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All Journal AL QUDS : Jurnal Studi Alquran dan Hadis SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam TAHKIM Jurnal Ulunnuha Tahdis: Jurnal Kajian Ilmu Al-Hadis Mazahibuna: Jurnal Perbandingan Mazhab Jurnal Al-Mubarak: Jurnal Kajian Al-Qur'an dan Tafsir Jurnal Studi Islam Muqaranah Legal Protection for the Partnership Agreement Parties Ihyaussunnah : Journal of Ulumul Hadith and Living Sunnah International Journal of Law and Society IJBLPS Jurnal Al-Mubarak: Jurnal Kajian Al-Qur'an dan Tafsir J-CEKI
H. Rajab
IAIN Ambon
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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Journal : J-CEKI

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Preferensi Konsumen Sektor UMKM pada Bank Umum Syariah di Kota Ambon (Pembiayaan Modal Kerja & Investasi) Afdhal Yaman; Arizal Hamizar; Muhammad Reza Nacikit; Dety Aryani Relubun; Fatmah Watty Pelupessy; Muammar W. Maruapey; Fadli Fendi Malawat; Rajab Rajab
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7642

Abstract

This study aims to understand the preferences of MSME consumers in Ambon City toward working capital and investment financing provided by Islamic Commercial Banks (BUS). Amid competition with conventional banks, BUS holds significant potential to offer financing aligned with Sharia values, though it has yet to become the primary choice for many business owners. This study identifies the factors influencing MSMEs' decisions to choose BUS, deemed relevant for the development of the MSME sector in Ambon City. The research method used is a qualitative approach involving in-depth interviews and participatory observation with MSME actors in Ambon City. Through thematic analysis, data is processed to explore perceptions, experiences, and factors influencing MSMEs' choice of Sharia financing. The results show that MSMEs' preference for BUS is driven by adherence to Sharia principles, the flexibility of profit-sharing schemes, and ease in requirements and application processes. The profit-sharing scheme implemented by BUS provides advantages in terms of flexible payments adjusted to business income, especially for businesses with fluctuating cash flows. Additionally, guidance from BUS in investment planning offers significant added value for MSMEs in long-term business development.
Co-Authors Afdhal Yaman Arizal Hamizar Dahlan, Mohd Akram bin Dato Dahaman Dety Aryani Relubun Fatmah Watty Pelupessy Gamal Achyar Hasan Hj. Rustina N Husin Wattimena Kamal, Latri M.Yunus, Fakhrurrazi Malawat, Fadli Fendi Marlina Wally Muammar W. Maruapey Muhammad Reza Nacikit Muhammad Saiful Manilet Mulyana Mulyana Nurdin, Roswati Ode, Wa Ulfa Paee, Rokiah Rahman, Mustafa Roswati Nurdin Roswati Nurdin Thalhah