Purpose

This study aims to propose a Sharīʿah-based and information and communication technology-driven microfinance model (SIMM) to reduce extreme poverty in rural areas. Existing microfinance models run by microfinance institutions exclude severely poor individuals from their activities.

Design/methodology/approach

This study uses an exploratory sequential mixed-method design structured as Studies 1 and 2. Study 1 uses the grounded theory methodology to develop the emergent SIMM through interviews and focus group discussions with the participants (12 rich, 6 rural elites and 18 poor) of the target village. Study 2 uses a survey of 421 household members in the target village to evaluate their attitudes (ATT), subjective norms (SN) and perceived behavioural control (PBC) related to SIMM. Partial least squares-based structural equation modelling is used to evaluate relationships between constructs.

Findings

Study 1 identifies seven themes, in which aspirational hope is recognised as a core theme. Study 2 indicates significant relationships between ATT and PBC and between SN and PBC. Thus, the SIMM can alleviate poverty in rural communities.

Practical implications

The application of the SIMM in the pilot study provides aspirational hope for eradicating extreme poverty.

Social implications

Other rural communities should be encouraged to apply the SIMM to alleviate extreme poverty in their villages.

Originality/value

This study contributes to the development of an innovative microfinance model (SIMM) to eradicate extreme poverty in rural areas.

中文翻译：

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基于伊斯兰教法的小额信贷模式缓解极端贫困的美好愿望

目的

本研究旨在提出一种基于伊斯兰教法、信息和通信技术驱动的小额信贷模式（SIMM），以减少农村地区的极端贫困。小额信贷机构运营的现有小额信贷模式将严重贫困的个人排除在其活动之外。

设计/方法论/途径

本研究采用探索性序贯混合方法设计，结构如研究 1 和 2。研究 1 使用扎根理论方法，通过与参与者（12 名富人、6 名农村精英和 18 名穷人）的访谈和焦点小组讨论来开发新兴的 SIMM。目标村庄。研究2对目标村的421名家庭成员进行了调查，评估他们对SIMM的态度（ATT）、主观规范（SN）和感知行为控制（PBC）。基于偏最小二乘的结构方程建模用于评估构造之间的关系。

发现

研究 1 确定了七个主题，其中渴望的希望被认为是核心主题。研究 2 表明 ATT 和 PBC 之间以及 SN 和 PBC 之间存在显着关系。因此，SIMM 可以减轻农村社区的贫困。

实际影响

SIMM在试点研究中的应用为消除极端贫困带来了美好的希望。

社会影响

应鼓励其他农村社区应用 SIMM 来减轻其村庄的极端贫困。

原创性/价值

这项研究有助于开发创新型小额信贷模式（SIMM），以消除农村地区的极端贫困。