Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan
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 aim...
| Main Authors: | , , |
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| Format: | Article |
| Language: | English |
| Published: |
INSI Publications
2015
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| Subjects: | |
| Online Access: | http://irep.iium.edu.my/46096/ http://irep.iium.edu.my/46096/1/Nik1.pdf |
| _version_ | 1848782904883150848 |
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| author | Nik Azman, Nik Hadiyan Kassim, Salina Masron, Tajul Ariffin |
| author_facet | Nik Azman, Nik Hadiyan Kassim, Salina Masron, Tajul Ariffin |
| author_sort | Nik Azman, Nik Hadiyan |
| building | IIUM Repository |
| collection | Online Access |
| description | 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. |
| first_indexed | 2025-11-14T16:12:52Z |
| format | Article |
| id | iium-46096 |
| institution | International Islamic University Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-14T16:12:52Z |
| publishDate | 2015 |
| publisher | INSI Publications |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | iium-460962016-12-20T01:20:46Z http://irep.iium.edu.my/46096/ Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan Nik Azman, Nik Hadiyan Kassim, Salina Masron, Tajul Ariffin HF Commerce HG Finance 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. INSI Publications 2015 Article PeerReviewed application/pdf en http://irep.iium.edu.my/46096/1/Nik1.pdf 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 http://www.ajbasweb.com |
| spellingShingle | HF Commerce HG Finance Nik Azman, Nik Hadiyan Kassim, Salina Masron, Tajul Ariffin Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan |
| title | Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan |
| title_full | Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan |
| title_fullStr | Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan |
| title_full_unstemmed | Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan |
| title_short | Key factors influencing women micro-entrepreneurs to use Ar-Rahnu: evidence from Siti Khadijah’s Market, Kelantan |
| title_sort | key factors influencing women micro-entrepreneurs to use ar-rahnu: evidence from siti khadijah’s market, kelantan |
| topic | HF Commerce HG Finance |
| url | http://irep.iium.edu.my/46096/ http://irep.iium.edu.my/46096/ http://irep.iium.edu.my/46096/1/Nik1.pdf |