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All Journal International Journal of Islamic Economics and Finance (IJIEF)
Md Fouad Bin Amin
Department of Economics, King Saud University
Economics, Econometrics & Finance

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Modeling the Demand for Islamic Microfinance Services: An Application of PLS-SEM Approach Mohamed Asmy Bin Mohd Thas Thaker; Salina Kassim; Md Fouad Bin Amin; Marhanum Che Mohd Salleh; Nadhrah Othman; Siti Nadhirah Kassim
International Journal of Islamic Economics and Finance (IJIEF) Vol 5, No 1 (2022): IJIEF Vol 5 (1), January 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v5i1.11776

Abstract

The access to capital is very crucial for ensuring the financial sustainability of microfinance clients. It is also equally important to determine the demand for microfinance services among the clients. This study aims to identify the factors affecting the demand for Islamic microfinance (IsMF) services among the women micro-entrepreneurs in Malaysia. This study has collected a total of 250 samples from the field survey on women micro-entrepreneurs who are also the clients of Amanah Ikhtiar Malaysia (AIM). In addition, Partial Least Squares (PLS) method used to identify the potential factors (4As) i.e., affordability, accessibility, adequacy and awareness affecting the demand for IsMF. The results show that only “accessibility” has significant and positive relation with the demand for IsMF. Besides, the measurements items of accessibility such as distance of IsMF institution, collateral requirement, guarantor requirement, application procedure and process, repayment method, service efficiency, advise and consultation, and number of IsMF centers are the key factors affecting the demand for IsMF services in Malaysia. This paper provides some insights for the policy makers of Islamic microfinance and recommends that IsMF providers should take accessibility factor into greater consideration for the economic upliftment of women in microenterprises in Malaysia
Co-Authors Marhanum Che Mohd Salleh Mohamed Asmy Bin Mohd Thas Thaker Nadhrah Othman Salina Kassim Siti Nadhirah Kassim