Factors Affecting MSME Actors' Interest In Becoming Customers For Islamic Bank Financing

Annisa Nur Istiqomah, Rafli Dwi Adiputra, Yenny Kornitasari
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Abstract

This research aims to analyze the influence of Islamic financial literacy, capital requirements, ratios, and convenience on the interest of micro, small, and medium enterprises (MSMEs) to become Islamic bank financing customers. This research uses a descriptive quantitative approach with an analytical method such as multiple linear regression. The population of this research is all MSME actors in East Java. The research sample was obtained from 63 MSMEs in East Java using the Roscoe approach. The data source uses primary data as a questionnaire and is analyzed using multiple linear regression. The research results show that Islamic financial literacy, capital requirements, nisba, and convenience significantly influence the interest of MSMEs to become Islamic bank financing customers. Partially, only the nisba positively and significantly affects the interest of MSMEs to become Islamic bank financing customers. Islamic financial literacy, capital requirements, and convenience do not influence the interest of MSMEs to become Islamic bank financing customers. This research can be used as a complement to existing theories. It can be used as a reference for Islamic banks and the government in developing strategies to attract MSMEs to become Islamic bank financing customers.
影响中小微企业成为伊斯兰银行融资客户的因素
本研究旨在分析伊斯兰金融素养、资本要求、比例和便利性对中小微企业成为伊斯兰银行融资客户的兴趣的影响。本研究采用描述性定量方法与多元线性回归等分析方法相结合。本研究的人口是东爪哇的所有MSME参与者。使用Roscoe方法从东爪哇的63家中小微企业中获得研究样本。数据源使用原始数据作为问卷,并使用多元线性回归进行分析。研究结果表明,伊斯兰金融素养、资本要求、nisba和便利性显著影响中小微企业成为伊斯兰银行融资客户的兴趣。部分地,只有nisba正向显著地影响中小微企业成为伊斯兰银行融资客户的兴趣。伊斯兰金融知识、资金要求和便利性不影响中小微企业成为伊斯兰银行融资客户的兴趣。本研究可作为对现有理论的补充。可为伊斯兰银行和政府制定吸引中小微企业成为伊斯兰银行融资客户的策略提供参考。
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16 weeks
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