Factors influencing behaviour to participate in Islamic microfinance

Abstract

Purpose The purpose of this paper is to empirically examine the factors that affect Muslim customers’ participation in using Baitul Maal wat Tamwil (BMT). The decomposed theory of planned behaviour (DTPB) was used as the research framework. Design/methodology/approach The paper uses primary data collected by self-administered questionnaires involving a sample of 405 respondents from selected BMTs in five different regencies in East Java. Structural equation modelling was used in the analysis. Findings This study revealed that among the three main beliefs, only perceived behavioural control towards BMT was found to have positive and significant impact on clients’ participation towards BMT. With regards to antecedents’ influence on their main beliefs, only perceived compatibility, perceived complexity and uncertainty and facilitating condition were not significant. Research limitations/implications As the data collected are existing clients of BMT, behavioural intention is excluded from the study, and as a result, the study may lack comprehensive results. Therefore, future study will be very useful if it includes behavioural intention as the variables. Practical implications The finding of the present study could help BMT to better manage by focussing on relative advantage and behavioural control to build client relationships. Originality/value The paper may be first study to apply DTPB to client behaviours in the area of Islamic microfinance in Indonesia.

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“…In another study Schmidt, N. (2010) proposed that perceptions and ability to control investment in mutual funds have a significant positive impact on private investor general willingness to purchase mutual funds. Moreover, Maulana, Razak & Adeyemi (2018) suggested that positive beliefs about perceived behavioral control have a positive significant impact on participating in Islamic microfinance. In the view of the above discussion, it can be assumed that perceived control over investment will positively and significantly influence investment in Islamic sukuk.…”

Determinan Faktor Yang Memengaruhi Disloyalitas Nasabah Bank Pembiayaan Rakyat Syariah

“…Penelitian ini menunjukkan nilai eigenvalues yang memenuhi persyaratan adalah Component 1 (6,504) maka menjadi faktor 1 dan mampu menjelaskan 34,230% varian, Component 2 (1,769) menjadi faktor 2 dan mampu menjelaskan 9,309% varian, Component 3 (1,486) menjadi faktor 3 dan mampu menjelaskan 7,822% varian, Component 4 (1,242) menjadi faktor 4 dan mampu menjelaskan 6,538% varian, Component 5 (1,114) menjadi faktor 5 dan mampu menjelaskan 5,866% varian. Nilai total component 6,7,8,9,10,11,12,13,14,15,16,17,18,19 Faktor terbentuk yang berisikan variabel-variabel yang diteliti tersebut kemudian dilakukan penamaan faktor berdasarkan karakteristik yang sesuai dengan variabel-variabel yang dirangkum di dalamnya. Faktor 1 memiliki anggota yang terdiri atas variabel Eksploitasi Jabatan, Nilai Manfaat, Peningkatan Kinerja, Pemanfaatan Teknologi, Disintegrasi Informasi, Inovasi Serta Ketidaknyamanan Layanan.…”

“…Jika dua hal di atas (baca: pelayanan dan fasilitas) diabaikan, maka akan menimbulkan disloyalitas. 10 12 Disebutkan pula dalam penelitian Zikiene dan Lina, faktor yang mendukung beralihnya tingkah laku (baca: loyal menjadi disloyal) yaitu berkaitan dengan harga, ketidaknyamanan, kegagalan layanan inti, kualitas tidak memuaskan, kegagalan pertemuan layanan dan pencarian varietas, berganti tempat tinggal pelanggan serta adanya nilai baru. Sehingga faktor tersebut juga menjadi perhatian kaitannya dengan perubahan tingkah laku nasabah menjadi loyal atau disloyal.…”

“…100 Miliar -di bawah Rp. 250 Miliar dan menjadi satu-satunya yang berasal dari Jawa Timur dengan perolehan 12 Berdasarkan uraian di atas, penelitian ini penting dilakukan untuk mengetahui dan mengkaji faktor-faktor yang memengaruhi disloyalitas yang terjadi pada perbankan syariah dalam sektor bank pembiayaan rakyat syariah dengan judul "Analisis Faktor Yang Memengaruhi Disloyalitas Nasabah Perbankan Syariah (Studi Kasus Nasabah BPRS Lantabur Tebuireng di Pasar Prajurit Kulon). "…”

Sharia Financial Inclusion Solutions and Strategies : Case of Mse-BMT in North Sumatera-Indonesia

“…Technological security does not depend on this device. Instead the responsibility rests with users, service providers and financial institutions (banks), (Maulana, et.al., 2018) 8 , revealing that among the three main beliefs, only behavioral control on BMT was found to have a positive and significant impact on client participation against BMT. From the description above it can be seen that the previous researchers examined by looking at the relationship between several variables.…”