Abstract-This study aims to elaborate entrepreneurship education experience in Sharia Banking Program that using combination between theory and practice in one semester. Entrepreneurship intention is one of goals from this curriculum method. PLS (Partial Least Square) was used to this research. The purpose of this paper is to examine the approach to entrepreneurship education with the theory of planned behavior was implemented in teaching entrepreneurship courses which are dominated by the practice rather than theory, research method used is PLS (Partial Least Square) elaborate attitudes, subject norm and behavior of students subject in response to assignments in entrepreneurship courses. Researcher also compared the secondary data obtained from the development of teaching. The results of this study showed an increase in the creation of entrepreneurial intention at the end of course. The results of this study confirms that education can be one important variable in the creation of entrepreneur through higher education.
This study examines the poverty alleviation efforts undertaken by the Islamic microfinance institutions (IMFIs) in Indonesia. We focused on the role played by the IMFIs in view of their direct involvements in the process of dealing with the borrowers, and their better understanding about the financial inclusion agenda as well as the financial guidelines and regulations issued by the relevant authorities. In methodology, a total of 34 managers of Baitul Maal wat Tamwil (BMTs) were taken as respondents from the Jakarta, Bogor, Depok, Tangerang and Bekasi (JABODETABEK) areas. A two-step approach was adopted in arriving at enriching findings: first, a survey questionnaire was distributed to the respondents, and subsequently, an in-depth interview was conducted to outline data related to the model design. The findings of this study highlight specific dimensions to improve financial inclusion among the poor. Apart from providing important inputs for better decision-making for the BMTs to further enhance its role in poverty alleviation, this study suggests a variety of strategies to warrant success of poverty alleviation efforts by BMT.
Indonesia has a strong presence of microfinance sector with the number of Islamic Microfinance Institutions (IMFIs) estimated to be around 5,000 currently. Microfinance is an effective tool in alleviating poverty in Indonesia due to the limited access to financial services by the poor who accounted for approximately 96 million Indonesians (or 37% of the total population), living on less than USD 1.90 a day. In the absence of collateral and steady income, the poor are considered too risky to be given credit facilities by the formal financial services providers and living in remote areas has also limited their access to formal financial services. This study aims to examine the poverty alleviation efforts from the perspective of the IMFIs in view of their direct involvement in the process and having rich information about financial issues facing the borrowers. The managers also understand about financial inclusion agenda as well as financial guidelines and regulations issued by the relevant authorities. A total of 34 managers of Baitulmaal Wa Tamwil (BMTs), which registered under the Sharia Cooperative Centre (INKOPSYAH) are taken as respondents from the Jakarta, Bogor, Depok, Tangerang and Bekasi (JABODETABEK) areas. The first instrument was a survey questionnaire, and the second one was an in-depth interview to outline data related to the model design. The findings of this research are expected to contribute to better decision-making for the BMTs to further enhance its role in alleviating poverty. The findings also elaborate several dimensions to improving financial inclusion among the poor including providing financial services, implementing Islamic principles, significant policies, communitybased framework concept and training financial education. This research highlights the need for a variety of strategies to warrant success of poverty alleviation efforts by BMT.
This research aims to answer and investigate the roles of Islamic microfinance institutions (IMFIs) in improving financial inclusion in Indonesia by taking three regions, namely, Jakarta, Bogor, Depok, Tangerang and Bekasi (JABODETABEK) area; Daerah Istimewa (DI) Yogyakarta area; and Nusa Tenggara Barat (NTB) area as samples. The results will demeanour the roles of IMFIS in improving financial inclusion. Only managers of the IMFIs are taken as respondents since they are the decision makers and have clear understanding of the mission of the IMFIs, thus are practically responsible for achieving IMFIs objectives by anticipating issues and regulatory changes. A complete of 481 managers of Baitulmaal Wa Tamwil (BMTs) which administered under the Sharia Cooperative Centre (INKOPSYAH) involved in the study. Qualitative method were approached in this research for determining the variables in advancing model. Two mechanisms were developed in the data collection; the first mechanism involved a survey questionnaire, and the second mechanism involved in-depth interview so as to outline data related to the model design. The findings of this research occurred current issues and challenges in increasing the roles of IMFIs in improving financial inclusion. The results also highlight recommendations for BMTs and policy makers that simultaneously collaborate the regulations and the implementations for improving financial inclusion in Indonesia.
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