CULTURAL ASPECTS ON THE ISLAMIC MICROFINANCE: AN EARLY OBSERVATION ON THE CASE OF ISLAMIC MICROFINANCE INSTITUTION IN BANDUNG, INDONESIA 1 Kurniawan Saefullah 2 1 Submitted to the committee of the second workshop on Islamic Finance: What Islamic Finances does (not) change, 17 March 2010 at the EM Strasbourg Business School, France organized by EM Strasbourg Business School and European Research Group 2 Lecturer and Researcher at the Faculty of Economics, University of Padjadjaran, Bandung, Indonesia. The author thanks to the help of Mr. Ganjar Yuri Rahman, Ismail Hendrawan, Asep Sholihin, and Ms.Rina who helped the author during the data collection for the paper.