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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Journal of Islamic Monetary Economics and Finance
Kassim, Salina Hj
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Religion Economics, Econometrics & Finance Social Sciences

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Roles of Islamic Microfinance Institutions in Improving Financial Inclusion in Indonesia: Empirical Evidence from Baitulmaal wa Tamwil Ginanjar, Adhitya; Kassim, Salina Hj
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 13 No. 1 (2021)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v13i1.19842

Abstract

Abstract. This research aims to investigate the role of Islamic microfinance institutions (IMFIs) in promoting financial inclusion in Indonesia. It takes seven areas, namely, Jakarta, Bogor, Depok, Tangerang, Bekasi, Yogyakarta and Nusa Tenggara Barat as samples. Only managers of the IMFIs are taken as respondents since they are the decision makers and understanding of the mission of the IMFIs. A complete of 481 managers of Baitulmaal Wa Tamwil (BMTs) which administered under the Sharia Cooperative Centre involved in the study. Qualitative method was used in this research for determining the variables in advancing model that developed with two mechanism in the data collection; the first mechanism involved a survey questionnaire, and the second mechanism involved in-depth interview. The findings of this research reveal current issues and challenges in strengthening the role of IMFIs in promoting financial inclusion and highlight recommendations for policy makers to promote financial inclusion. Abstrak. Penelitian ini bertujuan untuk mengetahui peran lembaga keuangan mikro Islam (LKMS) dalam mendorong inklusi keuangan di Indonesia. Dibutuhkan tujuh area riset, yakni wilayah Jakarta, Bogor, Depok, Tangerang, Bekasi, Yogyakarta dan Nusa Tenggara Barat sebagai sampel. Hanya manajer LKMS yang diambil sebagai responden karena mereka adalah pengambil keputusan dan memiliki pemahaman yang jelas tentang misi LKMS. Sebanyak 481 pengurus Baitulmaal Wa Tamwil (BMT) di bawah naungan Induksi Koperasi Syariah sebagai sampel. Metode kualitatif digunakan dalam penelitian ini dengan dua mekanisme yang dikembangkan dalam pengumpulan data; mekanisme pertama melibatkan kuesioner survei, dan mekanisme kedua melibatkan wawancara meSndalam. Temuan penelitian ini mengungkapkan isu dan tantangan terkini dalam memperkuat peran LKMS dalam mendorong inklusi keuangan. Hasil ini juga menyoroti beberapa rekomendasi bagi BMT dan pembuat kebijakan untuk mempromosikan inklusi keuangan. 
Islamic Fintech Financing Adoption Amongst Asnaf Micro Entrepreneurs in Malaysia: Extended UTAUT2 Jauhari, Farah Farhana; Mohd Yusoff, Syarah Syahira; Kassim, Salina Hj
Journal of Islamic Monetary Economics and Finance Vol. 11 No. 4 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v11i4.2341

Abstract

Zakat serves as a significant mechanism for improving Asnaf’s income. Participants in the Islamic financial industry have acknowledged its potential and adopted various fintech strategies, per Bank Negara Malaysia's support for a more proactive collaborative approach to enhance Malaysia's Islamic social finance (ISF) landscape. Statistics and reports about technology adoption among Asnaf are scarce. This study examines how the extended Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and Technology-Organisation-Environment (TOE) factors affect Asnaf micro entrepreneurs in Malaysia's use of Islamic fintech financing. Following a thorough data screening process, a total of 292 samples is accepted for analysis using a partial least squares structural equation model (PLS-SEM). Performance expectancy, price value, shariah financial literacy, perceived trust, and consumer pressure all significantly and positively influence the intention to use Islamic fintech financing. Subsequently, adoption is significantly influenced by behavioural intentions and facilitating conditions. This research represents one of the initial investigations into end users' factors influencing the adoption of Islamic fintech among Asnaf micro entrepreneurs, a field that is still nascent.
Co-Authors Adhitya Ginanjar, Adhitya Jauhari, Farah Farhana Mohd Yusoff, Syarah Syahira