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引用次数: 1
摘要
目的本研究的主要目的是对无息小额信贷(IFMF)产品进行实验,并调查影响IFMF机构的因素。设计/方法论/方法本研究使用定量和定性数据类型,这些数据类型将通过问卷、二次数据、访谈和实验测试收集,以回答关键问题。使用重复测量分析ANOVA对收集的数据进行分析。本研究确定了影响伊斯兰小额信贷(MF)产品违约率的因素,并通过实地实验评估了IFMF产品的还款性能。调查结果参与者发现,还款绩效水平高于Qard Al Hassan,这表明这是降低借款人违约率的最佳机制之一。据观察,女性比男性有更高的还款绩效,不同收入来源的女性比没有收入来源的男性有更大的还款绩效。这项研究表明,年龄、婚姻状况和教育状况对参与者还款绩效水平的影响没有统计学意义。此外,研究表明,参与者是否有孩子的状况对还款水平没有显著影响。原创性/价值这项研究与其他研究有两个不同之处。首先,在现场实验方面,本研究侧重于IFMF产品对客户报销绩效的实际影响。其次,本研究测试了可能影响报销绩效的不同人口统计学变量。
Purpose
The main purpose of this study is to experiment with interest-free microfinance (IFMF) products and investigate the factors affecting IFMF institutions.
Design/methodology/approach
This study uses both quantitative and qualitative data types that will be collected through questionnaires, secondary data, interviews and experimental tests to answer key questions. The collected data were analyzed using repeated-measures analysis ANOVA. This study determines the factors affecting the default rate of Islamic microfinance (MF) products, and evaluates the repayment performance of IFMF products using field experiments.
Findings
The participants found that the repayment performance level is higher than that of Qard Al-Hassan, which shows that it is one of the best mechanisms to reduce the default rate among borrowers. It has been observed that women have higher repayment performance than men, and those with different income sources have higher repayment performance levels than those who do not. This study showed that the effects of age, marital status and educational status on the repayment performance level of the participants were not statistically significant. In addition, it was shown that the participants’ status of having or not having children did not have a significant effect on the level of repayment performance.
Originality/value
This study differs from other studies in two ways. First, in terms of field experimentation, this study focuses on the practical impact of IFMF products on customer reimbursement performance. Second, this study tested different demographic variables that could affect the reimbursement performance.
期刊介绍:
The International Journal of Islamic and Middle Eastern Finance and Management (IMEFM) publishes quality and in-depth analysis on current issues within Islamic and Middle Eastern finance and management. The journal welcomes strong evidence-based empirical studies and results-focused case studies that share research in product development and clarify best practices. The title is also keen to consider work from emerging authors. IMEFM has just also accepted into Clarivate''s SSCI in 2018, and its IF will be available in summer 2019, with citations dating from 2016. The coverage includes but is not limited to: -Islamic finance: Fundamentals, trends and opportunities in Islamic Finance, Islamic banking and financial markets, Risk management, Corporate finance, Investment strategy, Islamic social finance, Financial planning, Housing finance, Legal and regulatory issues, -Islamic management: Corporate governance, Customer relationship management and service quality, Business ethics and corporate social responsibility, Management styles and strategies in Shariah environments, Labour and welfare economics, Political economy. The journal is the only title aiming to give an interdisciplinary and holistic view on Islamic finance and business management practices in order to inform these two intertwined communities.