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All Journal Jurnal Al-Qardh SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Kunuz: Journal of Islamic Banking and Finance Maqrizi : Journal of Economics and Islamic Economics
Haris, Chadijah
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Jurnal Al-Qardh

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Exploring Factors and Impacts of Online Lending on UMKM Expansion in North Sulawesi Haris, Chadijah
AL-QARDH Vol 9 No 1 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Abstract

This study examines Micro, Small, and Medium Enterprises' (UMKM) perceptions of online loans, employing a descriptive qualitative approach. The research draws upon theoretical frameworks surrounding perception and financial behavior to analyze how UMKM players perceive online loans for business development. Findings indicate that while UMKM players perceive online loans as additional capital facilitating business expansion, there exists a gap in their comprehension of associated risks, notably concerning high-interest rates and over-indebtedness. Consequently, the study emphasizes the critical role of financial education in mitigating these risks effectively. By elucidating the theoretical underpinnings guiding the analysis, this research offers valuable insights into UMKM perceptions of online loans and underscores the importance of educational interventions in enhancing their financial literacy and risk management capabilities. This study contributes to the existing literature by providing a nuanced understanding of UMKM attitudes towards online loans and advocating for comprehensive educational strategies to empower UMKM in navigating the complexities of financial decision-making.
Co-Authors Azzochrah, Nurul Azizah Bukido, Rosdalina Jan, Radlyah Hasan Korompis, Claudia Wanda Melati Mamonto, Teguh Setiawan Manangin, Sakila Rosyadi, Muhammad Arief Ridha Samiun, Nur Ida Zulkarnain Suleman