Sustainable Collateral-Based Microfinancing as an Alternative Economic Empowerment Instrument for Women Community Entrepreneurs

DOI

10.2991/978-94-6239-752-1_15How to use a DOI?

Keywords

Islamic Pawnbroking; Microfinancing; Women Entrepreneur

Abstract

Women entrepreneurs often face difficulties in obtaining capital financing, as most of their businesses operate on a small scale, which raises concerns among financial institutions regarding their ability to repay loans. In this context, collateral based micro financing, such as pawnbroking, is an alternative source of funding to support entrepreneurial activities. In Malaysia, there are two types of pawnbroking offers shariah compliant financing that is simple, fast and transparent. This research aims to identify and analyse experts perspectives on the potential transformation of Islamic pawnbroking to support the development of women entrepreneurs. Data were collected through in depth interviews and analysed using NVivo version 14 software. The findings indicate that Islamic pawnbroking has the potential to serve as an alternative financing instrument that can empower women entrepreneurs through easier, more flexible, and Shariah-compliant access to capital, thereby supporting more inclusive community economic development.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Salimah Yahaya
AU  - Shahir Akram Hassan
AU  - Tengku Atikah Engku Fauzi
AU  - Hamizah Muhammad
AU  - Nur Ainina Mohd Fauzi
PY  - 2026
DA  - 2026/09/04
TI  - Sustainable Collateral-Based Microfinancing as an Alternative Economic Empowerment Instrument for Women Community Entrepreneurs
BT  - Proceedings of the9th International Conference on Business, Economics, Social Sciences & Humanities – Economics, Business and Management Track (ICOBEST-EBM 2026)
PB  - Atlantis Press
SP  - 166
EP  - 179
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-752-1_15
DO  - 10.2991/978-94-6239-752-1_15
ID  - Yahaya2026
ER  -