Yasri, Yasri and Abror, Abror and Gesit, Thabrani and Rosyeni, Rasyid (2017) SMEs' determinant factors in choosing Islamic financing. In: 4th Conference on Business Management, 29 - 30 Oktober 2017, The Gurney Resprt Hotel & Recidences Penang, Malaysia...

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Abstract

This study investigates the determinant factors of SMEs in choosing financing from Baitul Maal wat Tamwil (BMT) as one of Islamic financing modes in West Sumatera.Moreover, this study also determines the important level of key factors which influenced the SMEs in choosing their Islamic financing.This research has been conducted in West Sumatera and the population of this study is all SMEs which used or potentially to use BMT financing.However, because the number of population is unknown, this study collected the data from 300 SMEs by using Cochran’s formula to calculate the number of sample.In addition, to analyze the data, this research deployed exploratory factor analysis (EFA) and analytical hierarchy process (AHP) as the analysis tools.The results found 12 determinant factors for SMEs in choosing financing from BMT, including profit sharing systems, proximity to the customers, service quality, customer cost, service charges, risks and benefits, repayment methods, fund installment, funding submission process, service schedule, training for customer and interest-free loans.Furthermore, by using AHP analysis this study found the level of importance of 12 factors respectively, including fund installment, repayment methods, risks and benefits, interest-free loans, funding submission process, training for customer, service schedule, profit sharing systems, service quality, proximity to the customer, the customer cost and service charges.

Item Type:	Conference or Workshop Item (Paper)
Additional Information:	eISBN 978-967-0910-76-5 Organized by: School of Business Management, Universiti Utara Malaysia.
Uncontrolled Keywords:	Profit sharing system; service schedule; training for customer; service charges;BMT
Subjects:	H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions:	School of Business Management
Depositing User:	Mrs. Norazmilah Yaakub
Date Deposited:	15 Apr 2018 04:22
Last Modified:	15 Apr 2018 04:22
URI:	https://repo.uum.edu.my/id/eprint/23890

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