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La Ode Alimusa
Universitas Muhammadiyah Kendari
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Ikonomika : Jurnal Ekonomi dan Bisnis Islam

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Determinants of Muslim Entrepreneurs Decisions On Sharia Bank Financing and Its Effect On Business Performance Alimusa, La Ode
IKONOMIKA Vol 4 No 1 (2019)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v4i1.3823

Abstract

The purpose of this study is to determine the factors that influence the decisions of Muslim entrepreneurs in using Islamic bank financing products and their influence on Business performance in MSMEs. The variables studied were religious factors, service quality, accessibility, reference groups, promotions, profit sharing systems and attitudes towards fatwas. The research method used is the factor analysis method (Exploratory Factor Analysis) and multiple linear regression. sampling technique is non-probability sampling (incidental sampling) that is equal to 70 people with assumptions considered sufficient to represent the population, while the method of collecting data through questionnaires.The results showed thatthere are 2 (two) main factors that determine the behavior of entrepreneurs in using Islamic bank financing, namely external drives (promotion, accessibility, reference groups, and attitudes to the bank system), and internal references (religion, service quality, and profit sharing system). Profit sharing system is the most important factor for customers in deciding to use Islamic bank financing products. The factors of using these financing products have a significanth effect on the performance of small and medium enterprises (SMEs) in Southeast Sulawesi, IndonesiaKeywords : Muslim Entrepreneurs, Sharia Banks and Business
Co-Authors Abdul Rahman Abdul Rahman Adinda Septiani M Ahmad Muhlis Nuryadi Al Asy Ari Adnan Hakim Asgar, Muhammad Bubun, Rita L. Edwin Oza Pratama Endro Sukotjo Habun Khoirun Nisa Hasan Aedy Heni Pujiastuti Hermawan, Rheza Huzaini, Moh Makmur, Muhammad Rizaldi Mohammad Rais Muhamad Rizaldi Makmur Murini, Murini Nisrina Hamid Njie, Yahya Ririn Tri Ratnasari Rosniatin, Rosniatin Sahraman D. Hadji Latif Sitti Zakiah Ma’Mun Sukotjo, Endro Zulfita Zulfita Zulkifli Zulkifli Zulkifli Zulkifli