untitled IJIBEC International Journal of Islamic Business and Economics International Journal of Islamic Business and Economics Av a i l a b l e a t h t t p : / / e - j o u r n a l . i a i n p e k a l o n g a n . a c . i d / i n d e x . p h p / I J I B E C / ISSN 255-3216 Article history: Published : 1 December 2017 Keywords: female customers, Expanding Women’s Access to The Banking Sector (Analysis of Perceptions, Behavior, Culture, and Social Class of Female Customers Towards The Effectiveness of Working Capital Financing at Islamic Banking in Palembang) Maftukhatusolikhah, Siti Mardiyah, Erdah Litriani, and Sri Delasmi Faculty of Islamic Economics and Business, UIN Raden Fatah Palembang International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4132 indicates that although the growth and success of female entrepreneurs in doing their business by women and considered them as their promising targets yet. The data show that in Indonesia, International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4 133 th comprehensive analysis is required to be a reference for overcoming these issues. comprehend the women’s access and control of development resources. They concern capital sector, for providing wider access for women to the development resources and enabling them to gender equality and women’s empowerment. International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4134 The increase in UMKM promoted by women that are financed by Islamic banks The increase in market share of Islamic banking in Indonesia The effectiveness of working capital financing of female customers at Islamic banking The increase in national economic growth International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4 135 society. Secondly, they have their internal obstacles, in which they assume that they do not need related to women, whereas public ones are addressed to men. as to cause the gender inequality, including in the economic sector. Even though it is assumed women receive unequal treatment, in which women experience some disadvantages because of support for gender equality and women’s independence. The CEDAW declares several following principles as follows. between women and men. equality of women’s rights, but also their de facto equality, in which the states should also International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4136 women change their roles in their family. It means that they are no longer depending on their than their husband. accomplishment of society’s demands. In reality, their roles in development has established The following table presents variables, dimensions, indicators, and scales of variable measurement employed in this study. Understanding: impressions or · be able to absorb · be able to It was measured with by using a comparing · be able to compare, assess, and evaluate an International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4 137 involved to obtain goods and · Tenacity and · Willingness to · Preference independently. It was measured with by using a beliefs, values, customs that behavior as the member of a certain society. society into some sociocultural and demographic variables such as religion, geographical Religious beliefs It was measured with by using a Customs Ethnic groups Subculture Race, age, gender, and language class, there are some factors and beliefs · How to manage · How to manage It was measured with by using a Lower class, middle class, and upper class entrepreneurs goals. infrastructure that has been previously established to produce goods and services in doing Anggriawan based on several factors as follows. International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4138 This factor highlights the customers’ irregular rates of payment. NPL is the comparison between loan amount and the frequency of arrears. In other words, it shows the number of arrears payment procedures. parameters. other resources, but also the increase in income and the welfare of the program targets. Not to showed the same result. It indicates International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4 139 their business. doing their business for more than three years when we interviewed them. It suggests that the female entrepreneurs could be trusted in the management of their business. The validity test of the instruments was carried out to examine the level of validity as reliability test was also done to examine that these instruments were reliable to be used in the Meanwhile, the normality test was performed to examine whether this study resulted from analysis as follows. Y= a + b1 x1+ b2 x2 + + b e International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4140 International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4 141 Palembang. male customers do. perceptions, behavior, culture, and social class so that the research results obtained the financial institutions. International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4142 Anggriawan Aries. Michigan: University of Michigan Press. . Illinois: University of Illinois Press. Cambridge: Cambridge University Press. . Surabaya: Universitas Airlangga Press. . Change: A Javanese Example”, Press of Harvard University Press. . . . Seminar . Holt, Rinehart, and Winston. Oxford: Oxford University Press. International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4 143 . Salemba Empat. Cambridge: Peabody Museum. Keluarga di Desa Wonosalam. . . Philadelphia: Open University Press. Mowen, . . Cultural Anthropology Tutorials Reagan, Ronald. , , , New Universitas Andalas. Hall. , issued on Language Day, , 2002 . and Giroux. International Journal of Islamic Business and Economics, 1(2) December 2017, 1 3 1 - 1 4 4144 Internet