A U T H O R S : N I K H A D I YA N N I K A Z M A N ( M A I N A - PowerPoint PPT Presentation

A U T H O R S : N I K H A D I YA N N I K A Z M A N ( M A I N A U T H O R ) Z A I D I M D . Z A B R I TA J U L A R I F F I N M A S R O N N U R H A F I Z A A B D U L K A D E R M A L I M

T H E U T I L I Z A T I O N O F I S L A M I C F I N T E C H ( I - F I N T E C H ) I N P R O M O T I N G S U S T A I N A B L E I N C L U S I V E G R O W T H : E V I D E N C E F R O M M I C R O - E N T R E P R E N E U R S I N M A L A Y S I A

Introduction Problem Statement CONTENTS Literature Review Methodology Results and Conclusion

INTRODUCTION Internet Users in ASEAN Countries (In ratio) Islamic Fintech Start-ups by Country

Investigate the sustainable income efgect by using i-fjntech apps in doing business among micro-entrepreneurs in Malaysia PROBLEM Potential justifjcation on how and to what extent fjnancial technology has been successful in easing the liquidity constraints STATEMENT by its customers, especially micro- entrepreneurs Focusing on four aspects which are mobile money, P2P lending, and crowdfunding application

LITERATURE REVIEWS LITERATURE REVIEWS Constructs Previous Studies Sustainable continuing business contribution towards economic development while Income enhancing the quality of life, family, and community. The ability to use technology is necessary for raising enough capital. Young and Tiller (2005), Alufohai (2006), Nik Azman et al (2016), Kaplinsky, R. (2019) Crowdfunding Raise external fjnance from a large audience (crowd) and has strong emphasis on responsibility and Syariah compliance. Ordanini et al., (2011), Schwienbacher and Larralde (2010), Hemer et al. (2011), Bellefmamme et al. (2013) and Gerber et al, (2012) Mobile Money Process of transmitting money from a person to another person through phone or any wireless or computer devices activation code that fjnally can transact with a cash transaction by a fjnancial or banking institutions. Shaikh and Karjaluoto (2014), Nel and Boshofg (2014), T alukder, Quazi, and Sathye, (2014) and Yang et al. (2015) Peer-to-Peer P2P enables modern investors to have direct access to an asset class that Lending was limited previously to large institutional investors, which may allow them to diversify their portfolios and create enhanced risk-adjusted returns through the savings achieved by a lower-cost operating model. Feng et al

METHODOLOGY OUTLOOK • Quantitative –Questionnaires Survey (107) –Adopted and adapted from previous researchers –Back to back translation • SPSS and AMOS (SEM)

R E S U L T S A N D A N A L Y S I S

FINAL NOTE WORKS • Micro-entrepreneurs can have macro-level view CITED on the information on their current state of fjnancial condition • Indirectly has increased micro-entrepreneurs’ income, gain and retain more customers, reduced their costs structure as well as mitigating their risks. • Enhance micro-entrepreneurs’ productivity and effjciency in carrying out their business

T H A N K Y O U