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COMPETITION BETWEEN ISLAMIC VS CONVENTIONAL MFI : ITS IMPACT ON CONSUMER’S ACCESS DECISION

Al-Masraf: Jurnal Lembaga Keuangan Perbankan

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Title COMPETITION BETWEEN ISLAMIC VS CONVENTIONAL MFI : ITS IMPACT ON CONSUMER’S ACCESS DECISION
 
Creator HENDRI, DAVY
 
Subject Economics
Micro Finance, Islamic, Competition, Borrower, Access
 
Description This study uses data from the survey IFLS-4 (Indonesia Family Live Surveys-wave 4) to analyze the impact of competition between lenders on cli­ent behaviour. IFLS-4 contains data on self-reported habits of community residents (312 community) decision to access to Islamic Micro Finance Institu­tion (Islamic MFI), named Baitul Maal wat Tamwil (BMT). This data con­tains specific type of BMT’s location which could be accessed by community, with variously geographical distances. This data also is enriched by the presence of another type of conventional MFI. This study found that in­creased competition suggesting clients to change their behaviour. The pres­ence of conventional MFI and theirs proximity as indicator of competition, very instrumental in determining access to BMT. Interesting finding, for religious type borrowers, they tend to sustain their access to BMT whose more far geographical distance, even conventional MFI presence inside their vil­lage. Thus, this study suggests that the expansion of financial inclusion stra­tegy of Islamic MFI should also be specifically determined by behaviour of and the BMT’s location among the community.
 
Publisher Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang
 
Contributor —
 
Date 2016-06-01
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
Literary Analysis; Survey/Interview
 
Format application/pdf
 
Identifier http://journal.febi.uinib.ac.id/index.php/almasraf/article/view/27
10.15548/al-masraf.v1i1.27
 
Source Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan; Vol 1, No 1 (2016): Januari - Juni 2016; 93-106
2528-5637
2528-5629
 
Language eng
 
Relation http://journal.febi.uinib.ac.id/index.php/almasraf/article/view/27/33
http://journal.febi.uinib.ac.id/index.php/almasraf/article/downloadSuppFile/27/31
 
Rights Copyright (c) 2016 Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan
http://creativecommons.org/licenses/by-nc-sa/4.0