The paper focuses on investment decisions made by microfinance borrowers in Jordan. While there has been a lot of literature concentrating on the level of investment after credit access was made available, there has been very limited research on the impact of Islamic microfinance. The amount of literature comparing Islamic financing and its conventional counterpart is even more uncommon. This study will look at how conventional and Islamic borrowers differ in their decisions pertaining to business investments, home improvement projects and consumer durable goods. Results show that microfinance loan take-ups do lead to a higher probability of business investments. In addition, it is found that the two groups of borrowers do not differ in investments regarding their microenterprises, but Islamic borrowers are less likely to invest in home improvement projects and purchase consumer durables. The findings suggest that there exists a substantial difference among investment decisions made by the two types of borrowers.
","abstract_html":"<p>The paper focuses on investment decisions made by microfinance borrowers in Jordan. While there has been a lot of literature concentrating on the level of investment after credit access was made available, there has been very limited research on the impact of Islamic microfinance. The amount of literature comparing Islamic financing and its conventional counterpart is even more uncommon. This study will look at how conventional and Islamic borrowers differ in their decisions pertaining to business investments, home improvement projects and consumer durable goods. Results show that microfinance loan take-ups do lead to a higher probability of business investments. In addition, it is found that the two groups of borrowers do not differ in investments regarding their microenterprises, but Islamic borrowers are less likely to invest in home improvement projects and purchase consumer durables. The findings suggest that there exists a substantial difference among investment decisions made by the two types of borrowers.</p>","abstract_has_math":false,"creators":["Bui, Ngan"],"institution":null,"degree_name":null,"degree_level":"Thesis","degree_discipline":null,"degree_department":null,"school":null,"contributors":["Elizabeth Katz"],"advisors":[],"committee_chairs":[],"committee_members":[],"year":2013,"date_issued":"2013-05-16T07:00:00Z","date_published":"2013-05-16T07:00:00Z","updated_at":"2026-07-24T05:42:43Z","subjects":["microfinance","Islamic","Islamic microfinance","Jordan","investment","event study","Econometrics","Finance","Other Economics"],"languages":[],"rights":[],"rights_urls":[],"identifier_entries":[]},"links":{"outbound_url":"https://repository.usfca.edu/thes/64","outbound_label":"Repository record","outbound_source":"dc:identifier"},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:contributor","label":"Contributor","values":["Elizabeth Katz"]},{"key":"dc:creator","label":"Author","values":["Bui, Ngan"]}]},{"id":"academic_context","label":"Academic Context","entries":[{"key":"dc:date.available","label":"Dc Date Available","values":["2013-05-30T07:00:00Z"]},{"key":"thesis:degree_level","label":"Degree Level","values":["Thesis"]}]},{"id":"subjects_keywords","label":"Subjects and Keywords","entries":[{"key":"dc:subject","label":"Dc Subject","values":["microfinance","Islamic","Islamic microfinance","Jordan","investment","event study","Econometrics","Finance","Other Economics"]}]},{"id":"identifiers","label":"Identifiers","entries":[{"key":"dc:identifier","label":"Identifier","values":["https://repository.usfca.edu/thes/64"]}]},{"id":"additional","label":"Additional Metadata","entries":[{"key":"dc:description.abstract","label":"Abstract","values":["The paper focuses on investment decisions made by microfinance borrowers in Jordan. While there has been a lot of literature concentrating on the level of investment after credit access was made available, there has been very limited research on the impact of Islamic microfinance. The amount of literature comparing Islamic financing and its conventional counterpart is even more uncommon. This study will look at how conventional and Islamic borrowers differ in their decisions pertaining to business investments, home improvement projects and consumer durable goods. Results show that microfinance loan take-ups do lead to a higher probability of business investments. In addition, it is found that the two groups of borrowers do not differ in investments regarding their microenterprises, but Islamic borrowers are less likely to invest in home improvement projects and purchase consumer durables. The findings suggest that there exists a substantial difference among investment decisions made by the two types of borrowers.
"]},{"key":"dc:title","label":"Title","values":["Different Uses of Microfinance Among Conventional and Islamic Borrowers: Evidence from Jordan"]}]}],"canonical_facts":{"dc:contributor":["Elizabeth Katz"],"dc:creator":["Bui, Ngan"],"dc:date.available":["2013-05-30T07:00:00Z"],"dc:description.abstract":["The paper focuses on investment decisions made by microfinance borrowers in Jordan. While there has been a lot of literature concentrating on the level of investment after credit access was made available, there has been very limited research on the impact of Islamic microfinance. The amount of literature comparing Islamic financing and its conventional counterpart is even more uncommon. This study will look at how conventional and Islamic borrowers differ in their decisions pertaining to business investments, home improvement projects and consumer durable goods. Results show that microfinance loan take-ups do lead to a higher probability of business investments. In addition, it is found that the two groups of borrowers do not differ in investments regarding their microenterprises, but Islamic borrowers are less likely to invest in home improvement projects and purchase consumer durables. The findings suggest that there exists a substantial difference among investment decisions made by the two types of borrowers.
"],"dc:identifier":["https://repository.usfca.edu/thes/64"],"dc:subject":["microfinance","Islamic","Islamic microfinance","Jordan","investment","event study","Econometrics","Finance","Other Economics"],"dc:title":["Different Uses of Microfinance Among Conventional and Islamic Borrowers: Evidence from Jordan"],"thesis:degree_level":["Thesis"]},"updated_at":"2026-07-24T05:42:43Z"}