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Achmarul Fajar
Universitas Madura, Indonesia
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PENGARUH SUKU BUNGA KREDIT TERHADAP MINAT PINJAMAN Mar’atus Sholehah; Ayunida Retno Megarani; Ibnu Halwan; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.2024

Abstract

Banking plays an important role in supporting economic growth through the activities of collecting and distributing funds to the public in the form of credit. Credit has become one of the main sources of financing for people to meet consumption needs as well as business capital. However, public interest in applying for loans is greatly influenced by various factors, one of which is the credit interest rate. High credit interest rates can increase the burden of installment payments, thereby affecting customers' decisions in taking loans. On the other hand, lower interest rates tend to increase public interest in borrowing because the cost of loans becomes more affordable. This study aims to determine and analyze the effect of credit interest rates on customers’ loan interest in the banking sector. The research uses a quantitative approach with a simple linear regression analysis method. Data were obtained through questionnaires distributed to 100 bank customers who had previously taken or were currently taking credit loans. The sampling technique used was purposive sampling with certain criteria. Data analysis was conducted using validity tests, reliability tests, simple linear regression tests, t-tests, and coefficient of determination tests. The results of the study indicate that credit interest rates have a negative and significant effect on customers’ loan interest. The higher the credit interest rate, the lower the public interest in applying for loans. Conversely, lower credit interest rates can increase people’s interest in applying for credit. These findings indicate that credit interest rate policies are important factors that must be considered by banks in increasing credit distribution to the public.
STRATEGI BANK DALAM MENINGKATKAN INKLUSI KEUANGAN MASYARAKAT MADURA Zuhal Thoriq; Mohammad Raihan Alghifari; Ahmad Kivlan Zain; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.1972

Abstract

This study aims to identify factors influencing financial inclusion in Madura and assess banking strategies for increasing financial participation, including partnerships with FinTech, the development of micro-waqf products, and financial education programs. The research background is based on the low level of financial inclusion in Madura, which is below the national average, with the majority of the population still relying on informal financial services. This study used a qualitative approach, distributing open-ended questionnaires to 120 respondents in three main Madura regencies (Bangkalan, Sumenep, and Pamekasan) and conducting semi-structured interviews with 12 bank branch managers. The data were analyzed using thematic analysis. The results revealed five main themes: (1) limited physical accessibility of branch and ATM networks, (2) the high demand for digitalization of services, especially for MSMEs, (3) public trust in sharia products as an opportunity for portfolio development, (4) low digital financial literacy, which hinders the adoption of modern services, and (5) the need for local policy support. The study's conclusions emphasize that an effective banking strategy must be multifaceted, encompassing the development of mobile service units, collaboration with local fintech companies, sustainable digital financial literacy programs, segmented Sharia product development, and policy advocacy with local governments. Implementing this strategy is expected to increase financial participation among Madurese, expand the customer base, and support inclusive economic growth in the archipelago.
ANALISIS PERAN PERBANKAN DALAM MENINGKATKAN STABILITAS EKONOMI DI PULAU MADURA Dera Damayanti; Dwi Indah Ria Astari; Yulia Ilmi Qur'ani; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.1973

Abstract

This study aims to analyze the role of the banking sector in enhancing economic stability in Madura Island, particularly through financial inclusion, financial technology (fintech) adoption, and the integrity of financial reporting. This research employs a qualitative approach with an exploratory case study design involving banking practitioners, MSMEs, and local government officials. Data were collected through semi-structured interviews, focus group discussions (FGD), and document analysis. The results indicate that the banking sector plays a significant role in expanding financial access for MSMEs, improving business productivity, and reducing dependence on informal financing sources. Furthermore, the integration of fintech and the improvement of financial literacy have been proven to broaden the reach of banking services and increase transaction efficiency through digital payment systems. Government policy support also strengthens the effectiveness of banking in maintaining regional economic stability.
Co-Authors Ahmad Kivlan Zain Ayunida Retno Megarani Dera Damayanti Dwi Indah Ria Astari Ibnu Halwan Mar’atus Sholehah Mohammad Raihan Alghifari Yulia Ilmi Qur'ani Zuhal Thoriq