Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme
This study attempted to identify the determinant of repayment behaviour from Islamic microfinance programmes in Malaysia. Based on theory of reinforcement which was supported by the theory of behaviour and asymmetric information theory, as well as past related studies, 5 hypotheses were established...
| Main Author: | |
|---|---|
| Format: | Thesis |
| Language: | English |
| Published: |
2021
|
| Subjects: | |
| Online Access: | http://eprints.usm.my/53482/ http://eprints.usm.my/53482/1/MOHAMAD%20HANIF%20BIN%20ABU%20HASSAN%20-%20TESIS.pdf%20cut.pdf |
| _version_ | 1848882541088473088 |
|---|---|
| author | Abu Hassan, Mohamad Hanif |
| author_facet | Abu Hassan, Mohamad Hanif |
| author_sort | Abu Hassan, Mohamad Hanif |
| building | USM Institutional Repository |
| collection | Online Access |
| description | This study attempted to identify the determinant of repayment behaviour from Islamic microfinance programmes in Malaysia. Based on theory of reinforcement which was supported by the theory of behaviour and asymmetric information theory, as well as past related studies, 5 hypotheses were established in this study. The results of the analysis showed that borrowers’ repayment behaviour were affected by their characteristics and accountability. Moreover, religiosity and business performance did not have a significant direct relationship with repayment behaviour. This research also found that accountability played a significant positive role as a mediator between borrower characteristic (financial strength, religiosity, understanding contract, and business performance) and repayment behaviour. |
| first_indexed | 2025-11-15T18:36:33Z |
| format | Thesis |
| id | usm-53482 |
| institution | Universiti Sains Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T18:36:33Z |
| publishDate | 2021 |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | usm-534822022-07-20T07:50:01Z http://eprints.usm.my/53482/ Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme Abu Hassan, Mohamad Hanif HG1-9999 Finance This study attempted to identify the determinant of repayment behaviour from Islamic microfinance programmes in Malaysia. Based on theory of reinforcement which was supported by the theory of behaviour and asymmetric information theory, as well as past related studies, 5 hypotheses were established in this study. The results of the analysis showed that borrowers’ repayment behaviour were affected by their characteristics and accountability. Moreover, religiosity and business performance did not have a significant direct relationship with repayment behaviour. This research also found that accountability played a significant positive role as a mediator between borrower characteristic (financial strength, religiosity, understanding contract, and business performance) and repayment behaviour. 2021-01 Thesis NonPeerReviewed application/pdf en http://eprints.usm.my/53482/1/MOHAMAD%20HANIF%20BIN%20ABU%20HASSAN%20-%20TESIS.pdf%20cut.pdf Abu Hassan, Mohamad Hanif (2021) Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme. PhD thesis, Universiti Sains Malaysia. |
| spellingShingle | HG1-9999 Finance Abu Hassan, Mohamad Hanif Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme |
| title | Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme |
| title_full | Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme |
| title_fullStr | Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme |
| title_full_unstemmed | Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme |
| title_short | Determinants Of Repayment Behaviour In Islamic Microfinancing: The Case Of Rural Economy Funding Scheme |
| title_sort | determinants of repayment behaviour in islamic microfinancing: the case of rural economy funding scheme |
| topic | HG1-9999 Finance |
| url | http://eprints.usm.my/53482/ http://eprints.usm.my/53482/1/MOHAMAD%20HANIF%20BIN%20ABU%20HASSAN%20-%20TESIS.pdf%20cut.pdf |