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Awareness and Perceptions of Islamic Micro-Entrepreneurs on Mudharabah Finance and Justice for Financing Access in Malang Territory Indonesia

Author

Listed:
  • Hendrik Suhendri

    (Tribhuwana Tunggadewi University, Telaga Warna Street, Malang, Indonesia,)

  • Iwan Triyuwono

    (Brawijaya University, Malang 65145, Indonesia)

  • Aji Dedi Mulawarman

    (Brawijaya University, Malang 65145, Indonesia)

  • Zaki Baridwan

    (Brawijaya University, Malang 65145, Indonesia.)

Abstract

Micro business becomes one of the backbone of the Indonesia national economy. Besides to most of the workforce has been absorbed by this sector. In the midst of the instability of the price of basic commodities, fuel, and the application of a 1% tax on sales turnover from micro, small and medium enterprises, it is necessary for other compensation for micro business to be given ease in accessing financing in Islamic banking. The research was to understand the Islamic micro-entrepreneurs (IME) understanding of the products of Mudharabah financing. It also wants to know the perception of IME related access to financing in Islamic banking. The results of this study indicate that the IME lack an understanding and familiarity with the products of Mudharabah financing. In fact they felt that financing is the same as a regular credit financing. In addition mostly respondents convey disapproval or feel treated unfairly, when IME access the Islamic banks finance.

Suggested Citation

  • Hendrik Suhendri & Iwan Triyuwono & Aji Dedi Mulawarman & Zaki Baridwan, 2017. "Awareness and Perceptions of Islamic Micro-Entrepreneurs on Mudharabah Finance and Justice for Financing Access in Malang Territory Indonesia," International Journal of Economics and Financial Issues, Econjournals, vol. 7(5), pages 252-258.
    • Handle: RePEc:eco:journ1:2017-05-30
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    More about this item

    Keywords

    Micro Small Medium Enterprises; Islamic Micro-Enterpreneurs; Mudharabah Financing; Islamic Banks;
    All these keywords.

    JEL classification:

    • D63 - Microeconomics - - Welfare Economics - - - Equity, Justice, Inequality, and Other Normative Criteria and Measurement
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • M21 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics - - - Business Economics

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