| Acknowledgements | 第5-7页 |
| Abstract | 第7-8页 |
| Abbreviations and Acronyms | 第13-15页 |
| 1 Introduction | 第15-35页 |
| 1.1 Islamic Banking: | 第17-21页 |
| 1.1.1 Principle of Riba (Usury or Interest) | 第20-21页 |
| 1.2 Conventional Micro Finance (CMF) | 第21-23页 |
| 1.2.1 The Islamic Solution (Qardh-Ul-Hassan) | 第23页 |
| 1.3 Small and Medium Sized Enterprises (SMEs) | 第23-29页 |
| 1.3.1 Constraints in Accessing Credit through SMEs to acquire capital from officialMFI's | 第25-28页 |
| 1.3.2 SME and Microfinance Growth | 第28-29页 |
| 1.4 Microfinance Institutions Operating in Tanzania | 第29-31页 |
| 1.4.1 Objectives of Microfinance Institutions Operating in Tanzania | 第30-31页 |
| 1.5 Mortgage Loan Fundamental Perception and Lawful Instruction | 第31-35页 |
| 1.5.1 Essential Diversity of Amortized Mortgage | 第32-34页 |
| 1.5.2 Perception of Mortgage in Islamic Law | 第34-35页 |
| 2 Background and Significance of the Research | 第35-43页 |
| 2.1 Research Background | 第35-37页 |
| 2.1.1 Research Philosophy | 第35-36页 |
| 2.1.2 Processes Involved in Research | 第36-37页 |
| 2.2 Research Significance | 第37-39页 |
| 2.3 Statement of the Problem | 第39-40页 |
| 2.4 Objective of the Study | 第40页 |
| 2.4.1 General Objective | 第40页 |
| 2.4.2 Specific Objectives | 第40页 |
| 2.5 Research Questions | 第40-43页 |
| 2.5.1 Research Innovation | 第41页 |
| 2.5.2 Organization of the Study | 第41-43页 |
| 3 Literature review | 第43-78页 |
| 3.1 Introduction | 第43-48页 |
| 3.1.1 Review of Microfinance and Microfinance Institutions | 第43页 |
| 3.1.2 Review of Microfinance | 第43-48页 |
| 3.2 The Demand and Supply for Microfinance | 第48-51页 |
| 3.2.1 The Demand for Microfinance | 第48-50页 |
| 3.2.2 The Supply of Microfinance | 第50-51页 |
| 3.3 Various Models of Microfinance in Tanzania | 第51-55页 |
| 3.3.1 The Microfinance Policy | 第53-54页 |
| 3.3.2 Challenges Facing the Microfinance Sector | 第54-55页 |
| 3.4 Review of Microfinance Institutions | 第55-58页 |
| 3.4.1 Loan Processing in Microfinance Institutions | 第57-58页 |
| 3.5 Delinquency | 第58-63页 |
| 3.5.1 MFIs and Specific Characteristics of the Loan Delinquency | 第60-62页 |
| 3.5.2 External Characteristics of the Loan Delinquency | 第62-63页 |
| 3.6 Default | 第63-66页 |
| 3.7 Review of Loan and Payment | 第66-68页 |
| 3.7.1 Review of Loan | 第66-67页 |
| 3.7.2 Review of Loan Repayment | 第67-68页 |
| 3.8 Review of Interest Rates | 第68-74页 |
| 3.8.1 Default of an Obligor | 第71-73页 |
| 3.8.2 Interest Incentive Credit Demand | 第73-74页 |
| 3.9 Empirical Literature Review | 第74-75页 |
| 3.10 Conceptual Framework | 第75-78页 |
| 4 research methodology | 第78-85页 |
| 4.1 Introduction | 第78-79页 |
| 4.1.1 Research Methods | 第78-79页 |
| 4.2 Research Design | 第79-80页 |
| 4.2.1 Research Population and Sample | 第80页 |
| 4.2.2 Sample Size | 第80页 |
| 4.3 Data Collection Methods and Procedures | 第80-85页 |
| 4.3.1 Document review | 第82-83页 |
| 4.3.2 Data Analysis Technique | 第83-85页 |
| 5 Presentation Analysis and Interpresentation of the Research Findings | 第85-104页 |
| 5.1 Introduction | 第85页 |
| 5.2 Status of the Distributed and Collected Questionnaires | 第85-88页 |
| 5.2.1 Respondents' Profile | 第85-87页 |
| 5.2.2 Duration of Business of client in MFIs | 第87-88页 |
| 5.3 Loan Repayments | 第88-95页 |
| 5.3.1 Business Capacity with Level of Loan and Interest Charged | 第90-93页 |
| 5.3.2 Multiple loans Contribute to hardship on the loan default | 第93-95页 |
| 5.4 Higher Interest Rate being the Cause of Loan Defaults | 第95-99页 |
| 5.4.1 Effect of Interest Rates on Loan Performance | 第96-99页 |
| 5.5 Inferential Analysis | 第99-102页 |
| 5.5.1 Relationship between the Capacity of the Business to Repay the Loan andLoan Performance | 第99-101页 |
| 5.5.2 Relationship between Multiple Loans and Loan Default in MFI's | 第101-102页 |
| 5.6 Relationship between Interest Rates and Loan Default in MFI's | 第102-104页 |
| 6 Conclusion and Recommendations | 第104-109页 |
| 6.1 Conclusion | 第104-105页 |
| 6.2 Recommendation | 第105-109页 |
| 6.2.1 Researcher Opinion | 第107页 |
| 6.2.2 Limitations and Further Research | 第107-109页 |
| 7 References | 第109-118页 |
| 8 Appendex | 第118-126页 |
| 8.1 APPENDEX A: Tanzania Map | 第118-120页 |
| 8.1.1 APPENDEX B: The Map of Zanzibar (Ungula and Pemba) | 第119-120页 |
| 8.2 APPENDEX C: Questionnaires for Micro Financial Institution Staff | 第120-126页 |
| 8.2.1 APPENDEX D:Questionnaire for Micro Financial Institution Clients | 第123-126页 |
| 8.2.2 APPENDEX E: Interview | 第126页 |
