Effects of Micro-credit: A Case Study of Poor Women Entrepreneurs in Southern Vietnam

2017 ◽  
Vol 9 (4) ◽  
pp. 175-199
Author(s):  
Mi kyung Yun
Keyword(s):  
Women Entrepreneurs ◽  
Southern Vietnam ◽  
Poor Women ◽  
Micro Credit

scholarly journals Muḍārabah and mushārakah as micro-equity finance: perception of Selangor’s disadvantaged women entrepreneurs

2020 ◽  
Vol 12 (2) ◽  
pp. 217-237
Author(s):  
Reazul Islam ◽  
Rubi Ahmad
Keyword(s):  
Women Entrepreneurs ◽  
Structural Equation ◽  
Islamic Law ◽  
Profit Sharing ◽  
Equity Financing ◽  
Content Type ◽  
Disadvantaged Women ◽  
Poor Women ◽  
Microfinance Institution ◽  
Equity Finance

Purpose This study aims to gain the perception of Selangor’s disadvantaged women on the Sharīʿah (Islamic law) rules on two micro-equity financing instruments, namely, muḍārabah (profit sharing) and mushārakah (profit-and-loss sharing) (M&M). Design/methodology/approach A survey was carried out in the rural area of Selangor district in Malaysia by administering a self-generated structured questionnaire. A total of 330 completed questionnaires were retrieved from the members of an Islamic microfinance institution (IsMFI), namely, Amanah Ikhtiar Malaysia (AIM). The data were analysed by using structural equation modelling. Findings The female borrowers of AIM perceive the Sharīʿah rules of M&M requiring high moral and ethical values and diligent repayment performance. They are aware of some other underlying provisions such as business liquidation, share transfer, information discloser and business termination. The overall findings of this study suggest that the perceived Sharīʿah rules are akin to those that are commonly used in general partnership businesses between Muslims. It also indicates that disadvantaged entrepreneurs would accept the rules that are easy to comprehend as well as favourable to their interests. It further suggests that respondents’ experiences of microfinance and business operation do not have a significant influence on their perception of M&M instruments. Research limitations/implications This study was limited to Selangor. So, the perception of Muslim women surveyed may not represent the views of all women in Malaysia. However, it can offer a primary understanding of the said issue. Practical implications The findings of this study can help IsMIFs take initiatives to offer M&M as micro-equity finance to poor women entrepreneurs. Originality/value So far, limited studies have been carried out on M&M-based microfinancing. This paper offers new insights presenting disadvantaged women entrepreneurs’ perception of these financing instruments.

Community Mobilization in Micro Credit as a Tool of Women Empowerment

2021 ◽  
Vol 4 (1) ◽  
pp. 60-70
Author(s):  
Nirmal Bhandari
Keyword(s):  
Participant Observation ◽  
Community Mobilization ◽  
Self Esteem ◽  
Economic Empowerment ◽  
Women Empowerment ◽  
Main Argument ◽  
Credit Programs ◽  
Local Ngo ◽  
Micro Credit

This article is about community mobilization in microcredit as a tool of women empowerment. It argues that women empowerment is a process and community mobilization is a tool for women empowerment process through micro-credit programs. This article is based on the views of selected key informants’ information through participant observation and a case study at Mahadevsthan Village in Dhading. Three local NGO managers and their three beneficiaries were conveniently selected for the sampling purpose. The main argument of the article shows that most of the females who received microcredit finally got socio-economic empowerment through acquiring access to capital, control over resources, self-esteem, confidence, decision-making power.

scholarly journals Analysis of Comparison of Islamic Banks with Online Micro In Disbursements of Micro-Financing Based on Requirements, Services Speed and Margin (Case Study of Micro-finance at Bank Mandiri Syariah and Micro Credit Uangteman.com)

2020 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Lucky Nugroho ◽  
Harnovinsah Harnovinsah ◽  
Yananto Mihadi Putra ◽  
Prinoti Prinoti
Keyword(s):  
Interest Rates ◽  
Digital Technology ◽  
Business Models ◽  
Industrial Revolution ◽  
Secondary Data ◽  
Financial Sector ◽  
Islamic Banks ◽  
Financial Technology ◽  
Micro Credit

The dynamics of the use of digital technology in the industrial revolution era 4.0 has had an impact on the financial sector. One of them is the development of financial technology (fintech) in the form of online loan services. Furthermore, the flagship product from fintech is lending to micro and small entrepreneurs. Likewise, Islamic banks that have a focus on financing to micro and small entrepreneurs must be able to compete with fintech services in the era of the industrial revolution 4.0 that is happening at this time. The purpose of this study is to analyze the different mechanisms of micro-financing distribution between Bank Mandiri Syariah and microcredit UangTeman.com. The method used is qualitative, which is to compare the requirements, mechanisms, and margins imposed on the customers and the information obtained through secondary data, namely standard and operational procedures. Based on the results of the study, the requirements and procedures for granting loans to micro and small entrepreneurs at Bank Mandiri Syariah are longer compared to UangTeman.com. While the fines for late payment in installments and interest rates on UangTeman.com are higher than the fines and margins of Bank Mandiri Syariah micro-financing. Therefore to be able to improve products and services for micro and small entrepreneurs, Bank Mandiri Syariah conducts a review of business models and business

scholarly journals The Success and Failures of Sari-Sari Stores: Exploring the Minds of Women Micro-Entrepreneurs

2020 ◽  
Vol 11 (2) ◽  
pp. 25-51
Author(s):  
Jonathan C. Gano-An ◽  
Gloria P. Gempes
Keyword(s):  
Women Entrepreneurs ◽  
Family Income ◽  
Defining Moments ◽  
Depth Interview ◽  
Personal Crisis ◽  
Multiple Case ◽  
People Skills ◽  
Will Power ◽  
Cross Case Analysis

AbstractIn the past decades, the unprecedented number of women in entrepreneurship has been overwhelmingly increasing. This was fueled by their motivation to earn independently and to uplift their economic condition. This paper magnified the stories of success and failures of women micro entrepreneurs in managing their ‘sari-sari’ stores. Informants of this multiple case study were five women micro-entrepreneurs who had been in business for at least five years. An in-depth interview was done and cross case analysis was employed. Results revealed that new investments, enhanced family income, productivity, and resourcefulness were the stories that they highlighted as success. On the stories of failures, they emphasized that business breakdowns and personal crisis once confronted their operation. They also revealed that failures framed them to be determined, faithful, diligent, and optimistic. Lastly, they shared significant insights that women entrepreneurs must be business oriented, develop people skills, and employ a strong will power. These women entrepreneurs have their own way of defining moments relative to success and failures in micro entrepreneurship. What is worth noting is the fact that the innumerable failures which confronted them shaped the entrepreneurial traits they now possessed and achieved the optimum success in their entrepreneurial journey.

scholarly journals LINKING ISLAMIC COMMERCIAL AND SOCIAL FINANCE WITH SPECIAL REFERENCE TO CASH-WAQF AS NEW STRATEGY OF INTEREST-FREE MICRO-CREDIT FOR FAMILY EMPOWERMENT OF THE POOR TOWARDS ESTABLISHING WORLD SOCIAL BANK: A CASE STUDY APPROACH

2018 ◽  
Vol 3 ◽  
pp. 1-32
Author(s):  
Muhammad Abdul Mannan
Keyword(s):  
Special Reference ◽  
Case Study Approach ◽  
Study Approach ◽  
Family Empowerment ◽  
The Poor ◽  
New Strategy ◽  
Micro Credit

Linking Islamic Commercial and Social Finance with Special Reference to Cash-Waqf as New Strategy of Interest-Free Micro-Credit for Family Empowerment of the Poor Towards Establishing World Social Bank: A Case Study Approach

scholarly journals IDENTIFIKASI MOTIVASI WIRAUSAHA PEREMPUAN PEDESAAN DENGAN HADIRNYA MITRA PEMBANGUN BERDASARKAN PENDEKATAN TEORI HARAPAN

2016 ◽  
pp. 179
Author(s):  
Teguh Endaryono
Keyword(s):  
Community Development ◽  
Rural Women ◽  
Rural Areas ◽  
Women Entrepreneurs ◽  
Family Income ◽  
Local Economy ◽  
Social Aspect ◽  
The Family ◽  
Production House

Entrepreneurship is an alternative to improve the ability of the local economy. Development in rural areas,which are dominated by agronomic activities and the roles of men as the bread winner of the family income.In order to respond the increasing needs of life, women had the opportunity to engage in business that can increase the family income. Based on the expectancy theory (Vroom, 1964), this case study examining how the women entrepreneurs in rural respond to the presence of students whom follow the activityof community development as a builder. The aims of this study is to find out the expectancy, instrumentality and valence according to the rural women entrepreneurs. This study uses a case study with the informant are the women entrepreneurs who become as business partners of the community development activities the student of STIE Prasetya Mulya. The specific finding in this research distinguished between individual and social aspect. In terms of individuals, they want to increase income, skill in basic accounting, anticipate the scarcity of rawmaterials and capital stimulus. In terms of social, they are not economically dependent on their parents, flexible hour, have a production house, and add to the family assets.

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