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All Journal Kartika: Jurnal Studi Keislaman As-Syirkah: Islamic Economic & Financial Journal
Nurul Izzahtul Islamiah
Universitas Yudharta Pasuruan
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Other

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Bias Perilaku dalam Pengambilan Keputusan Keuangan UMKM: Studi Kasus Pendanaan Jangka Panjang Atwaajus Payaman Andonosari Kec. Tutur Kab. Pasuruan Ach. Sadili Ridho; Ainur Rohmadiah Sherina Puteri; Ditta Noviana Putri; Muhammad Sofiyan Hadi; Nurul Izzahtul Islamiah
As-Syirkah: Islamic Economic & Financial Journal Vol. 4 No. 3 (2025): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/6pa4pm77

Abstract

This study examines the influence of behavioral biases on long-term financing decisions in the ATWAJUUS PAYAMAN MSME, located in Desa Andonosari, Tutur District, Pasuruan. Primary data were collected through semi-structured interviews with the business founders, field observations, and operational documentation since 2015. A thematic analysis was conducted to identify decision-making patterns driven by psychological factors such as risk aversion, loss aversion, status quo bias, and herding behavior. The results indicate that the owners consistently rely on internal capital to avoid the psychological burden of interest and installments, reduce production volume when input prices surge, and maintain manual processes despite available automation options to empower local labor. The introduction of new product variants is also influenced by observing successful peers, even without formal market analysis. Limited financial literacy delays the adoption of digital financing, but positive responsiveness emerges following education and guidance. These findings underscore the need for training programs and access to low-interest micro-loans to support production capacity building and product innovation in rural MSMEs.
Digital Relationship Marketing dan E-Service Quality dalam Membangun Customer Loyalty: Peran Mediasi Customer Trust pada Pengguna Mobile Banking BRImo Nurul Izzahtul Islamiah; Eko Agus Alfianto
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.1268

Abstract

This study examines the effect of Digital Relationship Marketing and E-Service Quality on Customer Loyalty through Customer Trust among BRImo mobile banking users in the Pasuruan area. A quantitative explanatory design was applied using purposive sampling, resulting in 123 respondents. Data were collected through a five-point Likert questionnaire and analyzed using descriptive statistics, validity and reliability tests, classical assumption tests, path analysis, t-test, F-test, coefficient of determination, and Sobel test. Digital Relationship Marketing significantly affects Customer Trust (β=0.447; p<0.001), while E-Service Quality also has a significant effect (β=0.637; p<0.001). Digital Relationship Marketing affects Customer Loyalty (β=0.250; p<0.001), E-Service Quality affects Customer Loyalty (β=0.206; p=0.007), and Customer Trust affects Customer Loyalty (β=0.538; p<0.001). The first structural model explains 74.0% of Customer Trust and the second explains 74.4% of Customer Loyalty. The indirect effects are 0.241 and 0.343, respectively, with Sobel statistics of 4.865 and 5.420. The results confirm significant partial mediation by Customer Trust.
Co-Authors Ach. Sadili Ridho Ainur Rohmadiah Sherina Puteri Ditta Noviana Putri Eko Agus Alfianto Muhammad Sofiyan Hadi