Factors Influencing Behavioral Intention to Participate in Islamic Microfinance

Abstract

The main aim of this study was to examine factors affecting the participation of Muslim clients in the BMT. The model hypothesized the use of Islamic microfinance by three variables, attitude social norms and PBC influences client involvement. The model further decomposed the three factors into preceding creeds. The results of this study may help to better manage BMT Focus on managing relative benefits and behaviors to build relationships with clients. The study revealed that only three of the main beliefs Behavioral control perceived by BMT found that clients' participation in BMT was not positively affected by the signal. Only on their basic values, with reference to the ancients Perceived compatibility, perceived difficulty and ambiguity and the state of facilities do not matter. Uses key data obtained on paper Self-discipline questionnaires included in a survey of 405 BMT respondents selected from different agencies in East Java. Structural equation modeling were Used in analysis. Because the data collected is BMT's current client, the behavior has been abandoned Analysis, and consequently, research may lack detailed results. Therefore, future research will be very useful If it involves the behavioral control to act as a variable. The results of this study may help to better manage BMT Focus on managing relative benefits and behaviors to build relationships with clients. The study reported that the relative advantage substantially impacts the attitude of clients towards BMT participation. However, the study found no significant influence of perceived compatibility and perceived complexity and uncertainty on the attitude of the clients towards BMT participation. The study suggested that Islamic microfinance could maintain Islamic financial products and services provided as competitive, provide efficiency in the delivery of services and skills of workers, which are believed to be plausible reasons behind the attitude of the clients towards Islamic microfinance