The Effectiveness Of Islamic Microfinance In Brunei Darussalam: A Case Study
This research aims to analyze the effectiveness of Islamic Microfinance in helping the poor in Brunei Darussalam. Based on a qualitative method, this study selected one Islamic Microfinance Institution, which is the Department of Community Development (JAPEM) as its case study. Two types of resp...
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my.usim-97982016-01-04T02:55:47Z The Effectiveness Of Islamic Microfinance In Brunei Darussalam: A Case Study Morsid, Nurhasanah Abdullah, Rose Islamic microfinance poverty alleviation Brunei Darussalam This research aims to analyze the effectiveness of Islamic Microfinance in helping the poor in Brunei Darussalam. Based on a qualitative method, this study selected one Islamic Microfinance Institution, which is the Department of Community Development (JAPEM) as its case study. Two types of respondents were interviewed; one JAPEM officer and 15 microfinance participants of JAPEM’s Perkasa Programme. An in-depth interview was conducted to find out whether or not the programme could help lessen the poverty among the participants. The level of effectiveness of Perkasa Programme is measured in terms of the clients’ income, repayment rate and business growth. The finding shows that the institution is not effective in terms of increasing the clients’ income, repayment rate and growth of the clients’ business. The factors that contribute to the clients’ business performance beside the internal factors such as commitment include the size of the loan amount provided and support from the institution. JAPEM lacks in its outreach and sustainability aspects as they only target the economically active poor in one out of four districts, i.e. Brunei-Muara and only managed to get one fully-repaid loan out of 15 clients. This research recommends hands-on-training to the client as well as training for the staff in order to improve the effectiveness of the programme. Group lending is also suggested as a new approach in order to boost the motivation of the client. 2016-01-04T02:55:47Z 2016-01-04T02:55:47Z 2015-07-29 Article 1823075X http://ddms.usim.edu.my/handle/123456789/9798 en_US JMIFR-VOL.11,NO.1,2014; Universiti Sains Islam Malaysia |
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Islamic microfinance poverty alleviation Brunei Darussalam |
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Islamic microfinance poverty alleviation Brunei Darussalam Morsid, Nurhasanah Abdullah, Rose The Effectiveness Of Islamic Microfinance In Brunei Darussalam: A Case Study |
| description |
This research aims to analyze the effectiveness of Islamic Microfinance
in helping the poor in Brunei Darussalam. Based on a qualitative
method, this study selected one Islamic Microfinance Institution, which
is the Department of Community Development (JAPEM) as its case
study. Two types of respondents were interviewed; one JAPEM officer
and 15 microfinance participants of JAPEM’s Perkasa Programme.
An in-depth interview was conducted to find out whether or not the
programme could help lessen the poverty among the participants. The
level of effectiveness of Perkasa Programme is measured in terms of
the clients’ income, repayment rate and business growth. The finding
shows that the institution is not effective in terms of increasing the
clients’ income, repayment rate and growth of the clients’ business. The
factors that contribute to the clients’ business performance beside the
internal factors such as commitment include the size of the loan amount
provided and support from the institution. JAPEM lacks in its outreach
and sustainability aspects as they only target the economically active
poor in one out of four districts, i.e. Brunei-Muara and only managed to
get one fully-repaid loan out of 15 clients. This research recommends
hands-on-training to the client as well as training for the staff in order
to improve the effectiveness of the programme. Group lending is also suggested as a new approach in order to boost the motivation of the
client. |
| format |
Article |
| author |
Morsid, Nurhasanah Abdullah, Rose |
| author_facet |
Morsid, Nurhasanah Abdullah, Rose |
| author_sort |
Morsid, Nurhasanah |
| title |
The Effectiveness Of Islamic Microfinance In Brunei Darussalam: A Case Study |
| title_short |
The Effectiveness Of Islamic Microfinance In Brunei Darussalam: A Case Study |
| title_full |
The Effectiveness Of Islamic Microfinance In Brunei Darussalam: A Case Study |
| title_fullStr |
The Effectiveness Of Islamic Microfinance In Brunei Darussalam: A Case Study |
| title_full_unstemmed |
The Effectiveness Of Islamic Microfinance In Brunei Darussalam: A Case Study |
| title_sort |
effectiveness of islamic microfinance in brunei darussalam: a case study |
| publisher |
Universiti Sains Islam Malaysia |
| publishDate |
2016 |
| url |
http://ddms.usim.edu.my/handle/123456789/9798 |
| _version_ |
1645152698100613120 |
| score |
13.222552 |