Factors influencing behaviour to participate in Islamic microfinance

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 d...

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Main Authors:	Maulana, Hartomi, Abdul Razak, Dzuljastri, Adeyemi, Adewale Abideen
Format:	Article
Language:	English English English
Published:	Emerald Group Publishing Ltd. 2018
Subjects:	BP160 General works on Islam HD28 Management. Industrial Management HG4001 Financial management. Business finance. Corporation finance.
Online Access:	http://irep.iium.edu.my/64514/ http://irep.iium.edu.my/64514/ http://irep.iium.edu.my/64514/ http://irep.iium.edu.my/64514/1/64514_Factors%20influencing%20behaviour_article.pdf http://irep.iium.edu.my/64514/2/64514_Factors%20influencing%20behaviour_scopus.pdf http://irep.iium.edu.my/64514/13/64514_Factors%20influencing%20behaviour_WoS.pdf

id	iium-64514
recordtype	eprints
spelling	iium-645142018-12-20T03:57:31Z http://irep.iium.edu.my/64514/ Factors influencing behaviour to participate in Islamic microfinance Maulana, Hartomi Abdul Razak, Dzuljastri Adeyemi, Adewale Abideen BP160 General works on Islam HD28 Management. Industrial Management HG4001 Financial management. Business finance. Corporation finance. 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. Emerald Group Publishing Ltd. 2018 Article PeerReviewed application/pdf en http://irep.iium.edu.my/64514/1/64514_Factors%20influencing%20behaviour_article.pdf application/pdf en http://irep.iium.edu.my/64514/2/64514_Factors%20influencing%20behaviour_scopus.pdf application/pdf en http://irep.iium.edu.my/64514/13/64514_Factors%20influencing%20behaviour_WoS.pdf Maulana, Hartomi and Abdul Razak, Dzuljastri and Adeyemi, Adewale Abideen (2018) Factors influencing behaviour to participate in Islamic microfinance. International Journal of Islamic and Middle Eastern Finance and Management, 11 (1). pp. 109-130. ISSN 1753-8394 E-ISSN 1753-8408 ttps://www.emeraldinsight.com/doi/full/10.1108/IMEFM-05-2017-0134 10.1108/IMEFM-05-2017-0134
repository_type	Digital Repository
institution_category	Local University
institution	International Islamic University Malaysia
building	IIUM Repository
collection	Online Access
language	English English English
topic	BP160 General works on Islam HD28 Management. Industrial Management HG4001 Financial management. Business finance. Corporation finance.
spellingShingle	BP160 General works on Islam HD28 Management. Industrial Management HG4001 Financial management. Business finance. Corporation finance. Maulana, Hartomi Abdul Razak, Dzuljastri Adeyemi, Adewale Abideen Factors influencing behaviour to participate in Islamic microfinance
description	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.
format	Article
author	Maulana, Hartomi Abdul Razak, Dzuljastri Adeyemi, Adewale Abideen
author_facet	Maulana, Hartomi Abdul Razak, Dzuljastri Adeyemi, Adewale Abideen
author_sort	Maulana, Hartomi
title	Factors influencing behaviour to participate in Islamic microfinance
title_short	Factors influencing behaviour to participate in Islamic microfinance
title_full	Factors influencing behaviour to participate in Islamic microfinance
title_fullStr	Factors influencing behaviour to participate in Islamic microfinance
title_full_unstemmed	Factors influencing behaviour to participate in Islamic microfinance
title_sort	factors influencing behaviour to participate in islamic microfinance
publisher	Emerald Group Publishing Ltd.
publishDate	2018
url	http://irep.iium.edu.my/64514/ http://irep.iium.edu.my/64514/ http://irep.iium.edu.my/64514/ http://irep.iium.edu.my/64514/1/64514_Factors%20influencing%20behaviour_article.pdf http://irep.iium.edu.my/64514/2/64514_Factors%20influencing%20behaviour_scopus.pdf http://irep.iium.edu.my/64514/13/64514_Factors%20influencing%20behaviour_WoS.pdf
first_indexed	2023-09-18T21:31:33Z
last_indexed	2023-09-18T21:31:33Z
_version_	1777412544660504576

Factors influencing behaviour to participate in Islamic microfinance

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