Purpose

The main purpose of this study is to experiment with interest-free microfinance (IFMF) products and investigate the factors affecting IFMF institutions.

Design/methodology/approach

This study uses both quantitative and qualitative data types that will be collected through questionnaires, secondary data, interviews and experimental tests to answer key questions. The collected data were analyzed using repeated-measures analysis ANOVA. This study determines the factors affecting the default rate of Islamic microfinance (MF) products, and evaluates the repayment performance of IFMF products using field experiments.

Findings

The participants found that the repayment performance level is higher than that of Qard Al-Hassan, which shows that it is one of the best mechanisms to reduce the default rate among borrowers. It has been observed that women have higher repayment performance than men, and those with different income sources have higher repayment performance levels than those who do not. This study showed that the effects of age, marital status and educational status on the repayment performance level of the participants were not statistically significant. In addition, it was shown that the participants’ status of having or not having children did not have a significant effect on the level of repayment performance.

Originality/value

This study differs from other studies in two ways. First, in terms of field experimentation, this study focuses on the practical impact of IFMF products on customer reimbursement performance. Second, this study tested different demographic variables that could affect the reimbursement performance.

中文翻译：

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无息小额信贷产品实验

目的

本研究的主要目的是试验无息小额信贷（IFMF）产品并调查影响 IFMF 机构的因素。

设计/方法论/途径

本研究使用通过问卷、二手数据、访谈和实验测试收集的定量和定性数据类型来回答关键问题。使用重复测量分析方差分析对收集的数据进行分析。本研究确定了影响伊斯兰小额信贷（MF）产品违约率的因素，并通过现场实验评估了 IFMF 产品的还款绩效。

发现

参与者发现，其还款绩效水平高于Qard Al-Hassan，这表明它是降低借款人违约率的最佳机制之一。据观察，女性的还款绩效高于男性，不同收入来源的人的还款绩效水平高于无收入来源的人。本研究表明，年龄、婚姻状况和教育状况对参与者还款绩效水平的影响不具有统计学意义。此外，研究表明，参与者是否有孩子的状况对还款绩效水平没有显着影响。

原创性/价值

这项研究与其他研究有两个不同之处。首先，在现场实验方面，本研究重点关注IFMF产品对客户报销绩效的实际影响。其次，本研究测试了可能影响报销绩效的不同人口变量。