Factors Influencing Payments Behavior among Customers of Islamic Retail Financing

Shaharudin, Zaifirol; Basri, Mohd Naili Ahmad; Isa, Mohd Yaziz Bin Mohd

doi:10.15640/jibf.v4n2a5

Cited by 3 publications

(3 citation statements)

References 7 publications

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“…This result contradicts the previous study which showed that good business performance usually can make repayment promptly. Previous studies have established that business performance has positive significant influence on the ability of the borrower to repay debt (Achim & Borlea, 2013;Nawai & Shariff, 2012;Shaharudin et al, 2016). Likewise, (Nawai, 2013) found that good business performance will more likely lead the borrower to repay the loan on time.…”

Section: Discussion Of Findingsmentioning

confidence: 93%

“…Apart from that, Malaysia's NPL ratio had increased in September 2017 to 1.7% from 1.6% in 2016 (CEIC, 2017;World Bank Group, 2017). Among the reasons for the increase in NPL are weak global growth and economic reforms in the domestic economy such as the rationalisation of subsidies as well as the implementation of minimum wage and sales and services tax (SST) (Shaharudin et al, 2016;Wong & Eng, 2018). According to Shaharudin et al (2016) and Zhou et al (2014), the introduction of GST on 1 April 2015, SST and depreciation of the Ringgit have resulted in an increase in the cost of living, leading to adjustments in household spending.…”

Section: Introductionmentioning

confidence: 99%

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Factors Affecting Repayment Behaviour in Islamic Microfinance Programs

Hassan¹,

Yahya²,

Shari³

2023

IJARAFMS

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This study is primarily concerned with borrower behaviour in the context of microfinance financing repayment. The high non-performing loans (NPLs) incurred by microfinance institutions are one of the contributing factors to the failure to achieve the objective of poverty alleviation. This study used the quantitative approach, and structured questionnaires were distributed among respondents in Peninsular Malaysia who were selected via multistage random sampling. The results of the analysis showed that borrowers' repayment behaviour was affected by their characteristics and accountability. Moreover, religiosity and business performance did not have a significant direct relationship with repayment behaviour. This research also found that accountability played a significant positive role as a mediator between borrower characteristics and repayment behaviour. This study makes a significant contribution to the knowledge of microfinance programmes, in which it explains repayment performance plays an important role in order to improve the social economy and alleviate poverty. The result also contributed to the practical aspect by suggesting ways to improve service and screening approaches to identify early warning signs and some factors that are potentially related to borrower behaviour.

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Section: Discussion Of Findingsmentioning

confidence: 93%

Section: Introductionmentioning

confidence: 99%

Factors Affecting Repayment Behaviour in Islamic Microfinance Programs

Hassan¹,

Yahya²,

Shari³

2023

IJARAFMS

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“…Four variables are found to have a significant impact on SME loan repayment, namely the borrower's educational level, business experience, loan size, and repayment time. Shaharudin et al (2016) discussed the factors influencing payment behaviour with a focus on Islamic retail financing, using two independent variables, namely the level of income and the percentage of savings. They found that income level and savings have a significantly positive effect on financing repayment behaviour.…”

Section: Literature Reviewmentioning

confidence: 99%

Bibliometric Analysis of Published Literature on Repayment Behaviour in Microfinance

Hassan¹,

Muhamad²,

Mansor³

2022

IJARBSS

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This study identifies the main areas and current dynamics of repayment behaviour with regards to microfinance and suggests future research directions. We explored a selection of 258 papers from the Scopus database using bibliometric analysis to find research on repayment behaviour in terms of microfinance between 1996 and early 2022. Based on various citations and publications, as well as their location and relevance within the network, we identified the most influential articles and authors. We also analysed topics, seek for impediments to expansion in the literature, and recommend study topics for the future. The data was incorporated by using the Publish or Perish software, while for data visualised was used VOSviewer. For data analysis, SPSS and Microsoft Excel were employed. Standard bibliometric analysis is presented based on the growth trend of publications, research output, and citation analysis. Based on the search, a total of 258 documents were retrieved. In the years 2019 to 2021, studies on repayment behaviour show an increasing trend. The majority of the research works have been written in English and published in journals and conference proceedings. Most of the research related to repayment behaviour is in the area of finance. 'Microfinance' and 'repayment' are the most frequent keywords used and represent the main areas of research on microfinance repayment behaviour. This research is on the development of studies on repayment behaviour in relation to microfinance and identifies both areas of current research interest and potential directions for future research.

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A Recent (Partial) Survey on Islamic Finance

Çelik¹,

Ay²

2017

JIFS

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The purpose of the present survey is to review the articles published in the latest issue of Islamic finance journals in terms of conceptualization, methods, findings and research implications. We reviewed 106 articles via content analysis in order to shed a light on the current research stream in Islamic finance. The results indicate the latest research themes, research methods, research findings and research implications within a systematic pattern. These findings may show a future direction for further research within the field of Islamic Finance.

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Factors Influencing Payments Behavior among Customers of Islamic Retail Financing

Cited by 3 publications

References 7 publications

Factors Affecting Repayment Behaviour in Islamic Microfinance Programs

Factors Affecting Repayment Behaviour in Islamic Microfinance Programs

Bibliometric Analysis of Published Literature on Repayment Behaviour in Microfinance

A Recent (Partial) Survey on Islamic Finance

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