Intrinsic Factors Affecting the Acceptance of Muslim Small Entrepreneurs in Kelantan Towards Ar-Rahnu
DOI:
https://doi.org/10.33736/ijbs.3268.2020Abstract
Small entrepreneurs are often associated with the issue of difficulty in obtaining capital due to lack of trust from financial institutions. This is due to no loan repayment guarantee by small entrepreneurs. Therefore, Ar-Rahnu is one of the alternatives to small entrepreneurs to get financing easily and quickly. However, response of Ar-Rahnu towards entrepreneurial goals is still low as a result of focusing more on personal use rather than for entrepreneurial purposes. Is this low response related to the low acceptance of Ar-Rahnu? Hence, this article intends to identify the intrinsic factors (internal stimuli) that affect the acceptance of Muslim small entrepreneurs in Kelantan towards Ar-Rahnu. A total of 350 respondents were selected by a purposeful sampling consisting of Muslim small entrepreneurs in Kelantan. The set of questionnaires consisted of 8 items relating to respondents' backgrounds, and 20 items on the intrinsic factors that affected the acceptance of small entrepreneurs towards Ar-Rahnu. The findings were analysed descriptively to analyse the percentage and mean values using Statistical Package for Social Sciences (SPSS) version 22.0. Overall, small entrepreneurs in Kelantan exhibited positive acceptance of Ar-Rahnu based on the intrinsic factors. This was indicated by the high mean value displayed by each item, particularly items for halal and haram considerations.
Downloads
Published
How to Cite
Issue
Section
License
Copyright Transfer Statement for Journal
1) In signing this statement, the author(s) grant UNIMAS Publisher an exclusive license to publish their original research papers. The author(s) also grant UNIMAS Publisher permission to reproduce, recreate, translate, extract or summarize, and to distribute and display in any forms, formats, and media. The author(s) can reuse their papers in their future printed work without first requiring permission from UNIMAS Publisher, provided that the author(s) acknowledge and reference publication in the Journal.
2) For open access articles, the author(s) agree that their articles published under UNIMAS Publisher are distributed under the terms of the CC-BY-NC-SA (Creative Commons Attribution-Non Commercial-Share Alike 4.0 International License) which permits unrestricted use, distribution, and reproduction in any medium, for non-commercial purposes, provided the original work of the author(s) is properly cited.
3) For subscription articles, the author(s) agree that UNIMAS Publisher holds copyright, or an exclusive license to publish. Readers or users may view, download, print, and copy the content, for academic purposes, subject to the following conditions of use: (a) any reuse of materials is subject to permission from UNIMAS Publisher; (b) archived materials may only be used for academic research; (c) archived materials may not be used for commercial purposes, which include but not limited to monetary compensation by means of sale, resale, license, transfer of copyright, loan, etc.; and (d) archived materials may not be re-published in any part, either in print or online.
4) The author(s) is/are responsible to ensure his or her or their submitted work is original and does not infringe any existing copyright, trademark, patent, statutory right, or propriety right of others. Corresponding author(s) has (have) obtained permission from all co-authors prior to submission to the journal. Upon submission of the manuscript, the author(s) agree that no similar work has been or will be submitted or published elsewhere in any language. If submitted manuscript includes materials from others, the authors have obtained the permission from the copyright owners.
5) In signing this statement, the author(s) declare(s) that the researches in which they have conducted are in compliance with the current laws of the respective country and UNIMAS Journal Publication Ethics Policy. Any experimentation or research involving human or the use of animal samples must obtain approval from Human or Animal Ethics Committee in their respective institutions. The author(s) agree and understand that UNIMAS Publisher is not responsible for any compensational claims or failure caused by the author(s) in fulfilling the above-mentioned requirements. The author(s) must accept the responsibility for releasing their materials upon request by Chief Editor or UNIMAS Publisher.
6) The author(s) should have participated sufficiently in the work and ensured the appropriateness of the content of the article. The author(s) should also agree that he or she has no commercial attachments (e.g. patent or license arrangement, equity interest, consultancies, etc.) that might pose any conflict of interest with the submitted manuscript. The author(s) also agree to make any relevant materials and data available upon request by the editor or UNIMAS Publisher.
