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Debt Taking and Charity Giving among Low-Income Households: Strengthening Resilience in Islamic Perspective

Journal of Islamic Monetary Economics and Finance · Vol. 4 No. 1 (2018) · hlm. 1–22

DOI
10.21098/jimf.v4i1.739
ISSN
2460-6618, 2460-6146
Terbit
2018-08-28
Penerbit
Bank Indonesia
Bahasa
eng

Abstrak

Households’ financial problem was perceived to be solved by taking other source of fund such as debt. In Islam, taking debt should be considered as the last resource when other sources were not available. Islam gives solution for those who have financial problem. Giving just small amount of money would give barakah to the giver. Charity-giving is not privilege for the rich people, but also for those in dire conditions. This paper attempts to explore whether low-income households’ perception on consecutive debt-taking influences their perception on regular charity-giving especially to achieve stipulated outcomes, i.e. households’ financial resilience. Structural Equation Modelling (SEM) is employed to analyse 1780 data from respondents across six areas in Indonesia. Low-income households perceived consecutive debt-taking to have negative relationship with regular charity-giving and positive relationship with outcomes (households’ financial condition and lifestyle satisfaction). Meanwhile, regular charity-giving has negative relationship with the outcomes when consecutive debt-taking intervene the relationship. Financial education and selection of financing institution have been proven to have relationships with variables which influence both regular charity-giving and consecutive debt-taking behaviours. As recommendation, charity education or sharing values should be included in the current financial education program. Formal financial institutions and social finance institution should also encourage supervision and continuously give financial education to social funds receivers.

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39 penulis · 62 tautan kepenulisan bersama · 21 lintas organisasi

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  • International Islamic University Malaysia
  • IPB University
  • Auro University
  • Al-Hikmah University
  • Universitas Syiah Kuala
  • Walisongo State Islamic University
  • Universiti Sains Malaysia
  • Organisasi lain
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Rekan penulisOrganisasiArtikel bersama
Muh Zul Hazmi RapiInternational Islamic University Malaysia2
Syarah Syahira Mohd YusoffInternational Islamic University Malaysia2
Jarita DuasaInternational Islamic University Malaysia1
M. Shabri Abd. MajidUniversitas Syiah Kuala1
Mohammad Syamsul MaarifAfiliasi tidak diketahui1
Yudha Heryawan AsnawiIPB University1
Konita Oktaviani LutfiyahIPB University1
Weni HawariyuniInternational Islamic University Malaysia1
Khalifah Muhamad AliIPB University1
Mohammad IrfanAuro University1
Sonali DhimmarAuro University1
Mohd ZahidAfiliasi tidak diketahui1
Nasrul Fahmi Zaki FuadiWalisongo State Islamic University1
Destiana Rahmawati DewiIPB University1
Irfan Syauqi BeikIPB University1
Fahami Muhammad AnisInternational Islamic University Malaysia1
Nik Hadiyan Nik AzmanUniversiti Sains Malaysia1
Norzitah Abdul KarimInternational Islamic University Malaysia1
Syed Musa Syed Jaafar AlhabshiInternational Islamic University Malaysia1
Razali HaronInternational Islamic University Malaysia1
Mohamed Yassine KhouildiInternational Islamic University Malaysia1
Hassanuddeen Abdul AzizAfiliasi tidak diketahui1
Hechem AjmiInternational Islamic University Malaysia1
Walid MansourSaudi Arabian Monetary Authority1
Adelia AdeliaIPB University1
Lina Nugraha RaniUniversitas Airlangga1
Permata WulandariUniversity of Indonesia1
Adhitya GinanjarInternational Islamic University Malaysia1
Nur Hazirah HamdanInternational Islamic University Malaysia1
Achmad HidayatInternational Islamic University Malaysia1
Nur Farhah MahadiAl-Hikmah University1
Muhammad‐Bashir Owolabi YusufAl-Hikmah University1
Farah Farhana JauhariInternational Islamic University Malaysia1
Lilik Noor YuliatiIPB University1
Hartoyo HartoyoJenderal Soedirman University1
Fitry PrimadonaAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) http://www.jimf-bi.org/index.php/JIMF/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Debt Taking and Charity Giving among Low-Income Households: Strengthening Resilience in Islamic Perspective</dc:title>
	<dc:creator xml:lang="en">Arsyianti, Laily Dwi</dc:creator>
	<dc:creator xml:lang="en">Kassim, Salina</dc:creator>
	<dc:creator xml:lang="en">Adeyemi, Adewale Abideen</dc:creator>
	<dc:subject xml:lang="en">Debt-taking</dc:subject>
	<dc:subject xml:lang="en">Charity-giving</dc:subject>
	<dc:subject xml:lang="en">Low-income Households</dc:subject>
	<dc:description xml:lang="en">Households’ financial problem was perceived to be solved by taking other source of fund such as debt. In Islam, taking debt should be considered as the last resource when other sources were not available. Islam gives solution for those who have financial problem. Giving just small amount of money would give barakah to the giver. Charity-giving is not privilege for the rich people, but also for those in dire conditions. This paper attempts to explore whether low-income households’ perception on consecutive debt-taking influences their perception on regular charity-giving especially to achieve stipulated outcomes, i.e. households’ financial resilience. Structural Equation Modelling (SEM) is employed to analyse 1780 data from respondents across six areas in Indonesia. Low-income households perceived consecutive debt-taking to have negative relationship with regular charity-giving and positive relationship with outcomes (households’ financial condition and lifestyle satisfaction). Meanwhile, regular charity-giving has negative relationship with the outcomes when consecutive debt-taking intervene the relationship. Financial education and selection of financing institution have been proven to have relationships with variables which influence both regular charity-giving and consecutive debt-taking behaviours. As recommendation, charity education or sharing values should be included in the current financial education program. Formal financial institutions and social finance institution should also encourage supervision and continuously give financial education to social funds receivers.</dc:description>
	<dc:publisher xml:lang="en">Bank Indonesia</dc:publisher>
	<dc:date>2018-08-28</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jimf-bi.org/JIMF/article/view/739</dc:identifier>
	<dc:identifier>10.21098/jimf.v4i1.739</dc:identifier>
	<dc:source xml:lang="en">Journal of Islamic Monetary Economics and Finance; Vol. 4 No. 1 (2018); 1 - 22</dc:source>
	<dc:source>2460-6618</dc:source>
	<dc:source>2460-6146</dc:source>
	<dc:source>10.21098/jimf.v4i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jimf-bi.org/JIMF/article/view/739/721</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2018 Laily Dwi Arsyianti, Salina Kassim, Adewale Abideen Adeyemi</dc:rights>
</oai_dc:dc>