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Financial Inclusion Disclosure in Islamic Microfinance: The Case of Baitul Mal Wa Tamwil

In: Enhancing Financial Inclusion through Islamic Finance, Volume II

Author

Listed:
  • Rahmawati

    (Syarif Hidayatullah State Islamic University)

  • Hafiz Majdi Ab Rashid

    (IIUM)

  • Hairul Azlan Bin Annuar

    (IIUM)

  • Siti Alawiyah Siraj

    (IIUM)

Abstract

Indonesia has the highest concentration of Islamic Microfinance Institutions such as Baitul Mal Wa Tamwil (BMT) that have the potential of promoting financial inclusion among the unbanked poor. In the last decade the Islamic microfinance institutions’ programming reveals a lack of transparency, infrastructure for payments and credit reporting, as well as adequate governance mechanisms. Research on financial inclusion index is largely ignored. This paper is an attempt to fill this gap by proposing an index for financial inclusion disclosure. It examines the extent and quality of the financial inclusion index, specifically the association between this index and the financial inclusion performance of BMT. This paper utilizes the content analysis technique to quantify financial inclusion disclosure from the BMT “Annual Report” in Indonesia during 2014–2015. It will be of interest to managers, regulatory agencies and policy makers involved in developing laws, to strengthen the requirement on disclosure, financial consumer protection, and credit reporting.

Suggested Citation

  • Rahmawati & Hafiz Majdi Ab Rashid & Hairul Azlan Bin Annuar & Siti Alawiyah Siraj, 2020. "Financial Inclusion Disclosure in Islamic Microfinance: The Case of Baitul Mal Wa Tamwil," Palgrave Studies in Islamic Banking, Finance and Economics, in: Abdelrahman Elzahi Saaid Ali & Khalifa Mohamed Ali & Mohamed Hassan Azrag (ed.), Enhancing Financial Inclusion through Islamic Finance, Volume II, chapter 0, pages 137-160, Palgrave Macmillan.
    • Handle: RePEc:pal:psibcp:978-3-030-39939-9_5
    DOI: 10.1007/978-3-030-39939-9_5
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