Socio-Demographic Determinants of Credit Rationing at Baitul Maal Wa Tamwil in Indonesia

Wulandari, Permata

doi:10.21098/jimf.v5i3.1156

Cited by 2 publications

(2 citation statements)

References 29 publications

(122 reference statements)

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“…Wulandari et al (2021) study the practice of price rationing and risk rationing but not yet explain the quantity rationing. Moreover, Wulandari and Kassim (2019) also study credit rationing on socio-demographic aspects. The general objective of this study is to enhance the accessibility of Muslims at the BOP to Islamic microfinance in order to reach the welfare improving goals based on quantity rationing view.…”

Section: Introductionmentioning

confidence: 99%

The Appreciative Intelligence Framework of Islamic Microfinance Instrument for Quantity Rationing to Increase Participation of People at the Bottom of the Economic Pyramid

Wulandari

2023

JISF

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This study solicited Islamic microfinance practitioners for a framework of appreciative intelligence for Islamic microfinance instruments in order to surmount obstacles in the practice of quantity rationing assessment. Based on methods of purposive sampling, 26 Islamic Microfinance Institutions (MFIs) in Indonesia were selected. One instrument was created to capture data, namely an in-depth interview to characterize the data associated with the proposed solution. The findings of this study provide several solutions for quantity rationing issues in order to increase the impact of BMT on welfare-improving objectives. The majority of respondents agreed that a write-off and the role of zakah, infaq, and shadaqah are the most desirable solutions in the event of financing default. In the event of financing default, rescheduling the financing and sending a card for an ATM to BMT are additional options. Lastly, some BMT practitioners propose using savings as collateral and expanding the role of zakah, infaq, and shadaqah in BMT to address financing default. The majority of BMT borrowers concurred that a special margin on time deposits made 2-3 months prior to the peak season would address the problem of lack of liquidity during the peak season. In addition, a gift of savings is an alternative solution. The majority of BMT practitioners choose a financing donor as the most desirable solution and continue to use channeling and other BMT as solutions for insufficient own capital sources. BMT must provide funding on a low nominal basis in order to ensure that impoverished people are treated equitably. Standardization of borrowing limits must also be implemented.

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Section: Introductionmentioning

confidence: 99%

The Appreciative Intelligence Framework of Islamic Microfinance Instrument for Quantity Rationing to Increase Participation of People at the Bottom of the Economic Pyramid

Wulandari

2023

JISF

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“…It is related to the smoothness of the payment of money capital and the results from the customer. Congestion payment of capital and the management of credit have an impact on the health of the BMT (Wulandari and Kassim, 2019).…”

Section: Introductionmentioning

confidence: 99%

Model of Sharia Governance and Escalation of Performance of Sharia Cooperatives

Roziq¹,

Shulthoni

Sulistiyo

et al. 2022

J. Professional Business Review

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Purpose: This study aims to analyze a sharia governance model and its impact on the efficiency, information asymmetry, risk, and performance of sharia cooperatives. Theoretical framework: The purpose of the sharia cooperative is to improve the welfare of its members and the community's interest and participate in building the economy of Indonesia based on sharia principles (Sudjana and Rizkison, 2020). Design/methodology/approach: The type of research used is explanatory research to test the hypothesis. This study uses data analysis techniques using the smartPLS program. The research uses purposive sampling with sharia cooperatives located in 4 districts in Indonesia with a total sample of 165 cooperatives. Findings: The study's results found that the efficiency variable has a significant positive effect on the performance of the sharia cooperative. Information asymmetry has a nonsignificant negative impact on efficiency and the performance of sharia cooperatives. Information asymmetry has a significant positive effect on the risk of financing. The risk of financing has a nonsignificant negative effect on the performance of the sharia cooperative. Sharia governance has a significant positive impact on efficiency, information asymmetry, and the performance of sharia cooperatives but has a nonsignificant positive effect on the risk of financing. Research, Practical & Social implications: Further research is necessary to expand the research location, multiply the study's sample and variables and involve the cooperative members as respondents. Originality/value: The management of the sharia cooperative needs to apply sharia governance to improve efficiency and follow sharia provisions to maximize the performance of sharia cooperatives.

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Socio-Demographic Determinants of Credit Rationing at Baitul Maal Wa Tamwil in Indonesia

Cited by 2 publications

References 29 publications

The Appreciative Intelligence Framework of Islamic Microfinance Instrument for Quantity Rationing to Increase Participation of People at the Bottom of the Economic Pyramid

The Appreciative Intelligence Framework of Islamic Microfinance Instrument for Quantity Rationing to Increase Participation of People at the Bottom of the Economic Pyramid

Model of Sharia Governance and Escalation of Performance of Sharia Cooperatives

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