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标题：AR-RAHNU AS A SOURCE OF FINANCIAL SUSTAINABILITY FOR WOMEN MICRO-ENTREPRENEURS IN MALAYSIA
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作者：Nik Hadiyan Nik Azman ; Salina Hj. Kassim
期刊名称：Journal of Islamic Monetary Economics and Finance
印刷版ISSN：2460-6146
电子版ISSN：2460-6618
出版年度：2017
卷号：2
期号：2
页码：221-250
语种：English
出版社：Bank Indonesia
摘要：Muslims in Malaysia had practiced ar-rahnu for fufilling their financial need,especially for emergency purposes since early 1990s.The pioneer of ar-rahnu in Malaysia is Muassasah Gadaian Islam Terengganu (MGIT) in January1992,followed by the Kelantan Capitalization Berhad (PKB) in March 1992.Both of these Islamic pawn centres are among the earliest exponents to theIslamic pawn scheme in Malaysia.Ar-rahnu is an increasingly popular financingoption among micro-entrepreneurs in Malaysia,particularly women micro-entrepreneurs.Women micro-entrepreneurs play a vital role in the Malaysianeconomy and could be considered as the backbone of the industrialdevelopment in Malaysia.This study examines the role of ar-rahnu as a sourceof financial stability for women micro-entrepreneurs.600 questionnaires weredistributed at three states in Malaysia which are Kelantan,Terengganu andKedah.Then,this study used SPSS and SEM Amos to analyses the data for 600respondents (women micro-entrepreneurs) in Malaysia.In essence,this studyfinds that shariah compliancy,locality,service charges,collateral and customersatisfaction has positive and significant impact towards the use of ai-rahnu.Thestudy also found use of ai-rahnu has significant impact towards financial self-sufficiency for women micro-entrepreneurs.
关键词：Women;Micro-entrepreneurs;Self - sfficicy