期刊名称：Journal of Islamic Monetary Economics and Finance
印刷版ISSN：2460-6146
电子版ISSN：2460-6618
出版年度：2020
卷号：6
期号：2
页码：373-402
DOI：10.21098/jimf.v6i2.1093
语种：English
出版社：Bank Indonesia
摘要：The study aimed to uncover the determinants of Islamic financial exclusion in Indonesia by gathering responses from financially-excluded respondents. A total of 110 respondents were surveyed,representing five provinces: West Java,South Sulawesi,Aceh,East Kalimantan,and North Maluku. The criteria of the selected participants included those who were financially-excluded,those who did not own any Islamic financial products,those without savings or financing,and those with no capital market products. The study employs Confirmatory Factor Analysis (CFA) to identify indicators explaining Islamic financial exclusion determinants in Indonesia. The paper found that location is the key barrier to obtaining financing from and being able to build savings in Islamic banks/Islamic microfinance,while a lack of financial knowledge is identified as the critical barrier when dealing with Islamic capital market products. Overall,most respondents perceived human capital and products and services to be the two most significant determinants of Islamic financial exclusion in Indonesia,followed by infrastructure,policies and regulation,financial literacy,social influence,and religious commitment. The originality of the paper lies in its detailed insight into the perception of being financially excluded on factors leading to Islamic financial exclusion.
关键词：Islamic financial exclusion;Product and services;Human capital;Infrastructure;Policies and regulation
