Rural bank efficiency and loans for micro and small businesses: evidence from West Java Indonesia

Anwar, Mokhamad; Nidar, Sulaeman Rahman; Komara, Ratna; Layyinaturrobaniyah, Layyinaturrobaniyah

doi:10.1108/ijoem-11-2017-0494

Cited by 33 publications

(32 citation statements)

References 28 publications

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“…This result indicates that the efficiency of Islamic rural banks in Indonesia does not correlate with their profitability (Warninda & Hosen, 2015). The efficiency of rural banks affects the number of loans provided to small and medium enterprises (Anwar, Nidar, Komara, & Layyinaturrobaniyah, 2019).…”

Section: Introductionmentioning

confidence: 92%

Knowledge Level and Determinants Factors in Selecting to the Islamic Rural Banks

Firmansyah¹,

Alamanda²,

Santoso³

2020

IJIBEC

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The aims of this research are fourfold. First, it aims to identify the source of knowledge of the respondents on Islamic rural banks. Second, this research aims to study the factors considered important by the respondents in selecting Islamic rural banks. Third, this research studies the level of knowledge and awareness of the respondents on the products or contracts of Islamic rural banks. Finally, this paper aims to compare the respondents’ knowledge and awareness based on gender, education level, and period of banking in Islamic rural banks. We disseminated questionnaire to 285 customers of Islamic rural banks in several cities in West Java, Indonesia. This research uses descriptive and quantitative methods using a t-test. We found that our respondents attained knowledge in Islamic rural banks in college, and the most substantial factor affecting them to choose Islamic rural banking is not sharia compliance. In fact, it is the economic factor. Qardhul Hasan, wadiah, and mudharabah are the three most popular contracts among our research respondents. Finally, the level of knowledge and awareness about these three contracts are not significantly different between male and female, between different education levels, and between the banking periods of the customers.

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Section: Introductionmentioning

confidence: 92%

Knowledge Level and Determinants Factors in Selecting to the Islamic Rural Banks

Firmansyah¹,

Alamanda²,

Santoso³

2020

IJIBEC

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“…Currently, in most developing countries, including Pakistan, industrialized products have captured markets, which makes it difficult for traditional handicraft communities to make a living (Forero-Montaña et al, 2018;Yang et al, 2018). As the community enterprises offer potential sustainable development strategies for the disadvantaged rural poor peoples (Anwar et al, 2019;Darku and Akpan, 2020;Dissanayake et al, 2017;Ferreira et al, 2019;Gao and Wu, 2017;Wanniarachchi et al, 2020), most rural communities usually depend on the income earned through handicraft production. Hence, there is a need to revive this industry; else, the cultural heritage embodied in crafts may fade away soon.…”

Section: Introductionmentioning

confidence: 99%

Revival of the traditional handicraft enterprising community in Pakistan

Shafi

Yin

Yuan

et al. 2020

JEC

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Purpose This study aims to examine issues affecting the growth and survival of traditional handicraft enterprising community in Pakistan, and analyzes their strengths, weaknesses, opportunities and threats, as well as develops strategic solutions to overcome the problems identified for their revival. Design/methodology/approach This exploratory study is based on a descriptive approach because it attempts to investigate the critical issues faced by traditional handicraft enterprising community. To operationalize the theoretical approach, this paper used a SWOT analysis of craft enterprising community. After thoroughly reviewing relevant literature, this study put forward strategic solutions for the revival of the traditional enterprising community. Moreover, secondary data on employment and gender wage gap were used to provide empirical evidence of the issues identified and emphasize the importance of strategic solutions. Findings This study found that traditional handicraft producers are facing many problems that hinder their survival and growth. This paper, therefore, makes some essential strategic recommendations on how to overcome these issues. The current research argues that Pakistan’s handicraft industry must be revived; else, centuries-old traditional culture and patrimonial knowledge will vanish. Moreover, there is a need to attract foreign investment to overcome resource limitations and improve the competitive capability of the enterprising community. Notably, government intervention is necessary for the revival of the traditional handicraft industry. Originality/value This study provides in-depth knowledge of issues faced by the Pakistani traditional handicraft enterprising community and suggests possible strategic solutions for the problems identified. Unlike previous studies, this research also discusses the essential characteristics of traditional handicrafts that differentiate them from identical mechanized products.

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“…Rural banks are special banks, usually located in regions and sub regions, and they are very involved in lending to MSBS. Anwar m uses data envelopment analysis to empirically analyze the technical efficiency of rural banks, and uses panel data analysis to reveal the impact of rural banks' efficiency on their loan provision to Minsheng Bank [5]. Parida AK proposes a local recurrent neuro fuzzy information system based on Chebyshev polynomial function for financial data forecasting and analysis [6].…”

Section: B Construction Of Rural Financial Information Service Platformmentioning

confidence: 99%

Rural Financial Information Service Platform Under Smart Financial Environment

Dai

2020

IEEE Access

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With the continuous deepening of economic and social development and reform, the problems in rural financial development have gradually exposed. Therefore, in order to speed up the rural economic development and promote the construction of new rural areas. It is very necessary and urgent to promote the innovation of rural financial services and create a modern rural financial service platform. In order to solve the problems of information collection, processing and integration of rural financial information service platform in China, the diversification, personalization, timeliness and accuracy of information demand are difficult to be met, and the organization and operation mode of the platform are not perfect. In this paper, based on the intelligent sensor, the whole digital transformation is realized through the reference of big data. Based on this, this paper establishes the research model of rural financial information service platform under the smart financial environment. From the current situation of the construction and application of rural financial information service platform in China, it studies the basic situation of the construction of rural financial information service platform in China from three aspects of functional scope, service mode and operation mode, and draws the improvement conclusion. The results show that the efficiency of rural financial information service is increased by 20% after using the improved method in this paper, which has certain use value.

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Rural bank efficiency and loans for micro and small businesses: evidence from West Java Indonesia

Cited by 33 publications

References 28 publications

Knowledge Level and Determinants Factors in Selecting to the Islamic Rural Banks

Knowledge Level and Determinants Factors in Selecting to the Islamic Rural Banks

Revival of the traditional handicraft enterprising community in Pakistan

Rural Financial Information Service Platform Under Smart Financial Environment

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