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All Journal Falahiya Nidhomiya: Research Journal of Islamic Philanthropy and Disaster
Fibrianis Puspita Anhar
Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo
Religion Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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Dampak Kendala Teknis QRIS BSI terhadap Kelancaran Usaha dan Kepuasan UMKM di Kampus Inggris Pare Denta Cahya Regita; Fibrianis Puspita Anhar
Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Vol. 5 No. 1 (2026): Islamic Philanthropy and Disaster
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/nidhomiya.v4i2.6520

Abstract

Introduction: Some business owners in Kampung Inggris Pare use BSI QRIS for accepting payments, but in practice, technical obstacles often arise that disrupt the smoothness of transactions. Research Methods: The study used a qualitative field approach with interviews, observations, and documentation of fifteen MSME owners and two BSI KCP Kediri Pare Supratman staff. Results: The results showed that the most frequently encountered obstacles were delays in payment notifications, funds not arriving in real time, and internet network disruptions. These obstacles impacted daily cash flow disruptions, long queues, and decreased user satisfaction with BSI QRIS services. BSI responded to these obstacles through customer service, merchant assistance, and education on application usage, although it was not able to eliminate all obstacles experienced by users in the field. Conclusion: BSI's QRIS system, using the Byond application, continues to experience technical issues that disrupt business continuity and user satisfaction. BSI's efforts to address these issues have not fully resolved them.
The Influence of Attitudes and Risk Perceptions on Investment Decisions in Bank Syariah Indonesia (BSI) Shares Yulia Cahya Ningrum; Fibrianis Puspita Anhar
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/bg9nxt15

Abstract

Introduction: This article investigates the influence of attitudes and risk perceptions on investment decisions in shares of Bank Syariah Indonesia (BRIS). Research Methods: Employing a quantitative methodology, primary data were collected via a 1–4 Likert scale questionnaire. The research population consisted of 1,017 members of the “Syariah Saham” WhatsApp Group, from which a purposive sample of 91 respondents was drawn. Data analysis was conducted using multiple linear regression with SPSS 25. Results: The findings demonstrate that attitudes exert a positive and significant impact on investment decisions in BRIS shares. Similarly, risk perception is shown to have a positive and significant influence on investment decisions. Jointly, attitudes and risk perception significantly affect investment decision-making in BRIS shares. The coefficient of determination (R²) reveals that the model accounts for 64.9% of the variance in investment decisions. These results underscore the necessity of fostering positive attitudes and enhancing risk literacy to promote participation in sharia-compliant equity investments.
Co-Authors Denta Cahya Regita Yulia Cahya Ningrum