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Financial and Social Performances of Islamic Microfinance Service Provider With Mobile Banking

Author

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  • Afifa Malina Amran
  • Intan Salwani Mohamed
  • Sharifah Norzehan Syed Yusuf
  • Nabilah Rozzani

Abstract

In Malaysia, Islamic microfinance institutions (IMFIs) are part of Islamic financial institutions and have been established to provide Islamic microfinance products (interest free loans). Their aim is to promote trade activities among Islamic microfinance recipients in improving their standard of living. Information and data gathered can be used as evidence to prove that Islamic microfinance has traits that provide a support system for the poorest of the poor. This study hence intends to investigate the application of technology by Islamic microfinance institutions within a context of its accounting information system through the usage of mobile banking. This study is conducted using qualitative approaches via interviews to obtain in depth understanding of mobile banking usage at an Islamic microfinance institution. Financial data, as well as data on the total number of loan recipients (sahabats) is referred by the study in investigating another aspect of social performance in terms of vicegerency and accountability of the IMFI. Extensive application of vicegerency concept in explaining the findings is parallel to Shari'ah Foundation for Accountants in outlining characteristics of Muslim accountants in preventing them from doing prohibited actions.

Suggested Citation

  • Afifa Malina Amran & Intan Salwani Mohamed & Sharifah Norzehan Syed Yusuf & Nabilah Rozzani, 2019. "Financial and Social Performances of Islamic Microfinance Service Provider With Mobile Banking," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 11(5), pages 181-190, August.
    • Handle: RePEc:jfr:ijfr11:v:10:y:2019:i:5:p:181-190
    DOI: 10.5430/ijfr.v10n5p181
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    References listed on IDEAS

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    1. Rahmah Ismail & Zeti Zuryani Mohd Zakuan & Sakina Shaik Ahmad Yusoff & Suzanna Mohamed Isa & Nazura Abdul Manap, 2018. "Consumers Basic Right to Housing: The Role of Institutional Frameworks in Malaysia," International Journal of Asian Social Science, Asian Economic and Social Society, vol. 8(8), pages 501-508, August.
    2. Xuan Ji & Yanqing Jiang, 2018. "The Difference of Outward-Oriented Economy in Six Provinces of Central China Based on the Theil Index," Asian Development Policy Review, Asian Economic and Social Society, vol. 6(2), pages 70-76.
    3. Xuan Ji & Yanqing Jiang, 2018. "The Difference of Outward-Oriented Economy in Six Provinces of Central China Based on the Theil Index," Asian Development Policy Review, Asian Economic and Social Society, vol. 6(2), pages 70-76, June.
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    Cited by:

    1. Hassan, M. Kabir & Alshater, Muneer M. & Hasan, Rashedul & Bhuiyan, Abul Bashar, 2021. "Islamic microfinance: A bibliometric review," Global Finance Journal, Elsevier, vol. 49(C).

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