Is Social Capital Determinant in Developing Islamic Microfinance Institutions?

IF 1 Q3 ECONOMICS
Etikonomi Pub Date : 2024-04-11 DOI:10.15408/etk.v23i1.31769
Imam Subchi, A. Jahar, R. Prasetyowati
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引用次数: 0

Abstract

Research Originality: One of the Islamic Microfinance Institutions (IMFI) was  Baitul mal wa Tanwil (BMT) which generally has a program using the group loan methodology which is seen as utilizing existing social capital, manifested in personal relationships and networks.Research Objectives: This study aims to examine the impact of social capital factors on BMT business as an IMFI covering cultural values, religious traditions, people's world views, geographical characteristics, work ethic, institutions, and social networks.Research Methods: This study uses a mixed method explanatory with a qualitative method for testing the level of importance using the Analytic Process Hierarchy (AHP) f  or the best priority in social capital factors and the ideal IMFI based on expert opinions as facilitators.Empirical Result: This result shows that the seven social capital factors at IMFI can be applied and considered applicable in developing business. The main priority factors are institutions and religious traditions. The IMFI that consistently applies social capital factors in developing IMFI business is BMT Bringhardjo (Yogyakarta) although it has not yet reached the maximum value. The determinants of social capital in the IMFIs business are considerably used to determine the IMFIs business development. It provides that the seven social capital factors at IMFI can be applied and considered applicable in developing business.Implications: The main priority factors are institutions and religious traditions. Investigating one of the IMFI was Baitul mal wa Tanwil that consistently applies social capital factors in developing IMFI business as a business that empowers social capital as a guarantee feasibility and business feasibility from micro communities that have so far been un-bankable. JEL Classification: D02, D04, O14How to Cite:Subchi, I., Jahar, A. S., & Prasetyowati, R. A.. (2024). Is Social Capital Determinant in Developing Islamic Microfinance Institutions. Etikonomi, 23(1), 233 – 248. https://doi.org/10.15408/etk.v23i1.31769.
社会资本是发展伊斯兰小额信贷机构的决定因素吗?
研究独创性:Baitul mal wa Tanwil (BMT)是伊斯兰小额信贷机构(IMFI)之一,该机构通常采用集体贷款方法开展项目,这被视为利用了现有的社会资本,体现在人际关系和网络中:本研究旨在探讨社会资本因素对 BMT 作为 IMFI 的业务的影响,这些因素包括文化价值观、宗教传统、人们的世界观、地理特征、职业道德、制度和社会网络:研究方法:本研究采用定性与解释相结合的混合方法,使用层次分析法(AHP)测试社会资本因素的重要程度,以及基于专家意见作为促进因素的理想 IMFI:这一结果表明,综合管理学院的七个社会资本因素可以应用于企业发展,并被认为适用于企业发展。主要的优先因素是制度和宗教传统。在发展 IMFI 业务时始终应用社会资本因素的 IMFI 是 BMT Bringhardjo(日惹),尽管它尚未达到最大值。社会资本在 IMFI 业务中的决定因素在很大程度上被用来决定 IMFI 的业务发展。它规定,IMFI 的七个社会资本因素可以应用于并被认为适用于发展业务:主要的优先因素是制度和宗教传统。Baitul mal wa Tanwil 是其中一家 IMFI,它在发展 IMFI 业务时始终应用社会资本因素,将社会资本作为迄今为止无法获得银行贷款的微型社区的可行性和业务可行性的保障。JEL 分类:D02, D04, O14如何引用:Subchi, I., Jahar, A. S., & Prasetyowati, R. A.. (2024).伊斯兰小额信贷机构发展中的社会资本决定因素。Etikonomi, 23(1), 233 - 248. https://doi.org/10.15408/etk.v23i1.31769.
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
Etikonomi
Etikonomi ECONOMICS-
自引率
12.50%
发文量
29
审稿时长
12 weeks
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