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All Journal Among Makarti Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Yulfan Arif Nurohman
Universitas Muhammadiyah Surakarta
Computer Science & IT Economics, Econometrics & Finance Engineering Medicine & Pharmacology Social Sciences Other

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MEMPERLUAS TEORI PERILAKU TERENCANA DALAM PEMBIAYAAN UMKM: KINERJA INOVATIF SEBAGAI MEDIATOR AKSES KREDIT Yulfan Arif Nurohman; Jati Waskito; Imronudin Imronudin
Among Makarti Vol 19, No 1 (2026): Among Makarti
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v19i1.969

Abstract

ABSTRACTAccess to bank credit is a major obstacle for micro, small, and medium enterprises (MSMEs) in Indonesia. Rural MSMEs face more complex problems than urban ones. Therefore, this study aims to analyze the influence of personal attitudes, subjective norms, and behavioral control on the intention to financing access, as well as to test the mediating role of innovation performance within the framework of the Theory of Planned Behavior (TPB). A quantitative approach was used through a survey of 90 rural MSMEs in Sragen Regency, with data analysis using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that only personal attitudes significantly influence the intention to access credit, while subjective norms and behavioral control have no direct effect. However, subjective norms have an indirect effect through innovation performance as a mediating variable. These findings indicate that decisions to access financing in rural areas are more influenced by personal evaluations and innovative capacity strengthened by social support, rather than direct social pressure or perceived ease of procedures. This research provides implications for financial institutions and policymakers in designing more contextual and behavior-based financial inclusion strategies. The novelty of the study lies in the integration of innovation performance as a mediator in the TPB model in the context of rural MSMEs.ABSTRAKAkses kredit perbankan menjadi kendala utama bagi usaha mikro, kecil, dan menengah (UMKM) di Indonesia. UMKM pedesaan memiliki masalah yang lebih kompleks dibandingkan perkotaan, sehingga penelitian dilakukan dengan bertujuan untuk menganalisis pengaruh sikap pribadi, norma subjektif, dan kontrol perilaku terhadap niat mengakses pembiayaan perbankan, serta untuk menguji peran mediasi kinerja inovasi dalam kerangka Teori Perilaku Terencana (TPB). Pendekatan kuantitatif digunakan melalui survei terhadap 90 UMKM pedesaan di Kabupaten Sragen dengan analisis data menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa hanya sikap pribadi yang secara signifikan memengaruhi niat mengakses pembiayaan, sedangkan norma subjektif dan kontrol perilaku tidak memiliki pengaruh langsung. Namun, norma subjektif memiliki pengaruh tidak langsung melalui kinerja inovasi sebagai variabel mediasi. Temuan ini menunjukkan bahwa keputusan untuk mengakses pembiayaan di daerah pedesaan lebih dipengaruhi oleh evaluasi pribadi dan kapasitas inovatif yang diperkuat oleh dukungan sosial, daripada tekanan sosial langsung atau kemudahan prosedur yang dirasakan. Penelitian ini memberikan implikasi bagi lembaga keuangan dan pembuat kebijakan dalam merancang strategi inklusi keuangan yang lebih kontekstual dan berbasis perilaku. Keunikan penelitian ini terletak pada pengintegrasian kinerja inovasi sebagai mediator dalam model TPB dalam konteks UMKM pedesaan.
Trust in Religious Stewardship and Waqf Intention in Islamic Tourism Governance: Exploring Community Participation, Transparency, and Circular Economy through the SOR Model Yulfan Arif Nurohman; Jati Waskito; I Imronudin
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

This study investigates the role of trust, transparency, and community participation in shaping waqf intentions within the context of Islamic religious tourism in Indonesia. Referring to the Stimulus-Organism-Response (SOR) framework integrated with the principles of Community-Based Tourism (CBT), this research examines how external stimuli, community participation, circularity visibility, and transparency influence the internal psychological mechanism of trust in religious management and subsequently affect behavioral responses in the form of waqf intentions. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed using data from 210 respondents at mosque-based religious tourism destinations in Central Java. The findings reveal that community participation and transparency significantly enhance trust, whereas circularity has no significant effect. Furthermore, trust is positively associated with the waqf intentions of religious tourism visitors. The results highlight that moral legitimacy and spiritual integrity outweigh environmental circularity in building public trust in Islamic philanthropic institutions. This study contributes to theory by extending the application of SOR to Islamic philanthropy and to practice by offering a sustainable governance model for mosque-based tourism through transparent, participatory, and trust-oriented management.
PENGEMBANGAN STRATEGIS INDUSTRI PENGEMBANG GAME LOKAL INDONESIA: PENDEKATAN BERBASIS SWOT UNTUK MEMBUKA POTENSI EKONOMI KREATIF Yulfan Arif Nurohman; Muzakar Isa
Among Makarti Vol 18 No 1 (2025): Among Makarti
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v18i1.840

Abstract

Abstract : The local game development industry in Indonesia holds significant potential to contribute to the national creative economy. However, despite substantial increases in labor absorption and market size, the sector’s contribution to national GDP and export value remains relatively low compared to other creative sub-sectors, such as fashion. Furthermore, the discrepancy between labor force growth and declining GDP performance raises concerns about productivity and industrial efficiency. This study aims to analyze the internal strengths and weaknesses, as well as external opportunities and threats (SWOT), that influence the strategic positioning of local game developers. Drawing on qualitative data gathered from key industry informants and validated through a SWOT matrix analysis (IFAS and EFAS), this research formulates strategic recommendations to enhance competitiveness and promote sustainable growth in both domestic and international markets. The findings offer practical insights for stakeholders—including policymakers, industry players, and investors—on how to develop adaptive and proactive strategies to advance Indonesia’s game development sector as a key driver of the creative economy.Abstrak : Industri pengembangan game lokal di Indonesia memiliki potensi yang signifikan untuk berkontribusi pada ekonomi kreatif nasional. Namun peningkatan substansial dalam penyerapan tenaga kerja dan ukuran pasar, kontribusi sektor ini terhadap PDB nasional dan nilai ekspor masih relatif rendah dibandingkan dengan subsektor kreatif lainnya seperti fashion. Selain itu, perbedaan antara pertumbuhan tenaga kerja dan penurunan kinerja PDB menimbulkan kekhawatiran mengenai produktivitas dan efisiensi industri. Penelitian ini bertujuan untuk menganalisis kekuatan dan kelemahan internal, serta peluang dan ancaman eksternal (SWOT), yang memengaruhi posisi strategis pengembang game lokal. Dengan menggunakan data kualitatif yang diperoleh dari informan industri utama dan divalidasi melalui analisis matriks SWOT (IFAS dan EFAS), penelitian ini merumuskan rekomendasi strategis untuk meningkatkan daya saing dan pertumbuhan berkelanjutan di pasar domestik dan internasional. Temuan ini memberikan wawasan praktis bagi para pemangku kepentingan pembuat kebijakan, pelaku industri, dan investor dalam merumuskan strategi adaptif dan proaktif untuk mendorong pengembangan sektor pengembangan game Indonesia sebagai penggerak ekonomi kreatif.
MEMPERLUAS TEORI PERILAKU TERENCANA DALAM PEMBIAYAAN UMKM: KINERJA INOVATIF SEBAGAI MEDIATOR AKSES KREDIT Yulfan Arif Nurohman; Jati Waskito; Imronudin Imronudin
Among Makarti Vol 19 No 1 (2026): Among Makarti
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v19i1.969

Abstract

ABSTRACTAccess to bank credit is a major obstacle for micro, small, and medium enterprises (MSMEs) in Indonesia. Rural MSMEs face more complex problems than urban ones. Therefore, this study aims to analyze the influence of personal attitudes, subjective norms, and behavioral control on the intention to financing access, as well as to test the mediating role of innovation performance within the framework of the Theory of Planned Behavior (TPB). A quantitative approach was used through a survey of 90 rural MSMEs in Sragen Regency, with data analysis using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that only personal attitudes significantly influence the intention to access credit, while subjective norms and behavioral control have no direct effect. However, subjective norms have an indirect effect through innovation performance as a mediating variable. These findings indicate that decisions to access financing in rural areas are more influenced by personal evaluations and innovative capacity strengthened by social support, rather than direct social pressure or perceived ease of procedures. This research provides implications for financial institutions and policymakers in designing more contextual and behavior-based financial inclusion strategies. The novelty of the study lies in the integration of innovation performance as a mediator in the TPB model in the context of rural MSMEs.ABSTRAKAkses kredit perbankan menjadi kendala utama bagi usaha mikro, kecil, dan menengah (UMKM) di Indonesia. UMKM pedesaan memiliki masalah yang lebih kompleks dibandingkan perkotaan, sehingga penelitian dilakukan dengan bertujuan untuk menganalisis pengaruh sikap pribadi, norma subjektif, dan kontrol perilaku terhadap niat mengakses pembiayaan perbankan, serta untuk menguji peran mediasi kinerja inovasi dalam kerangka Teori Perilaku Terencana (TPB). Pendekatan kuantitatif digunakan melalui survei terhadap 90 UMKM pedesaan di Kabupaten Sragen dengan analisis data menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa hanya sikap pribadi yang secara signifikan memengaruhi niat mengakses pembiayaan, sedangkan norma subjektif dan kontrol perilaku tidak memiliki pengaruh langsung. Namun, norma subjektif memiliki pengaruh tidak langsung melalui kinerja inovasi sebagai variabel mediasi. Temuan ini menunjukkan bahwa keputusan untuk mengakses pembiayaan di daerah pedesaan lebih dipengaruhi oleh evaluasi pribadi dan kapasitas inovatif yang diperkuat oleh dukungan sosial, daripada tekanan sosial langsung atau kemudahan prosedur yang dirasakan. Penelitian ini memberikan implikasi bagi lembaga keuangan dan pembuat kebijakan dalam merancang strategi inklusi keuangan yang lebih kontekstual dan berbasis perilaku. Keunikan penelitian ini terletak pada pengintegrasian kinerja inovasi sebagai mediator dalam model TPB dalam konteks UMKM pedesaan.
Co-Authors Imronudin Imronudin Jati Waskito Muzakar Isa