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Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan

Nik Azman, Nik Hadiyan and Kassim, Salina and Masron, Tajul Ariffin (2015) Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan. Australian Journal of Basic and Applied Sciences, 9 (28). pp. 105-110. ISSN 1991-8178

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Abstract

Ar-Rahnu is becoming an increasingly micro-credit instrument in Malaysia. It is accepted as a viable and competitive mode to obtain cash instantly. Despite this, studies on Ar-Rahnu, particularly on the acceptance factors among women micro-entrepreneurs has been very limited. This study aims to investigate the level of acceptance for ArRahnu among women micro-entrepreneurs, in Siti Khadijah’s market, Kelantan. This study conducted in-depth interviews with the women micro-entrepreneurs from different area of business who used Ar-Rahnu as a source of capital. Overall, there are four sub themes influencing the acceptance of Ar-Rahnu, namely; locality, difficulties in getting loan, service charges and collateral. This study finds that, service charge is the main factor influencing women micro-entrepreneurs to choose Ar-Rahnu as their source of micro-credit.

Item Type: Article (Journal)
Additional Information: 4600/46096
Uncontrolled Keywords: Ar-Rahnu; Women; MicroEntrepreneurs
Subjects: H Social Sciences > HF Commerce
H Social Sciences > HG Finance
Kulliyyahs/Centres/Divisions/Institutes (Can select more than one option. Press CONTROL button): Institute of Islamic Banking & Finance (IIiBF)
Depositing User: Dr Salina Kassim
Date Deposited: 09 Dec 2015 10:18
Last Modified: 20 Dec 2016 09:20
URI: http://irep.iium.edu.my/id/eprint/46096

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