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Application of a distributed verification in Islamic microfinance institutions:a sustainable model

Financial Innovation 2022年第1期8卷 2196-2207页

作者： Peter Wanke M.Kabir Hassan Md.Abul Kalam Azad Md.Azizur Rahman Naznin Akther COPPEAD Graduate Business School Federal University of Rio de JaneiroRua Paschoal Lemme355Rio de Janeiro 21949-900Brazil Department of Economics and Finance University of New OrleansNew OrleansLA 70148USA Department of Business and Technology Management Islamic University of TechnologyGazipur 1704Bangladesh Department of Business Administration Faculty of Business&EntrepreneurshipDaffodil International UniversityDhakaBangladesh

The literature gap in microfinance paradox of double bottom line(financial performance ***)has always been an interesting area of *** paper proposes a theoretical model most suitable for Islamic Microfinance Institutions(MFIs)which enables Islamic MFIs’to operate together with the existing financial models compliant with Islamic Shariah *** model is based on a distributed verification/decision-making process that might be realized(but not necessary)through *** the available distributed verification techniques,blockchain technology is an attractive emerging computing paradigm due to its decentralized,immutable,shared,and secure data structure *** model proposes three significant ***,sharing information through blockchain will allow a transparent network in MFI operations,which will raise confidence for donors resulting in a causal effect of a relatively lower profit rate to be charged by the ***,the consensus mechanism will enable risk-sharing,a character of Islamic finance;thus,the MFIs will operate without any collateral for low-risk ***,the double bottom line of MFIs’long-lasting paradox would be *** for practical implication of this proposed model,the causal impact of lower cost investment by the lenders would increase social welfare because of no collateral and no initial wealth *** proposed model proposes a credit rationing approach where profit can be *** collateral will be used when calculating the creditworthiness of a borrower.

关键词： Blockchain Islamic microfinance Double bottom line distributed verification

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