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Nihayatu Aslamatis Solekah
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Transportation Other

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Journal : I-Finance Journal

 1 
DETERMINATION OF INCREASING SMES'S INTENTION TO USE SHARIA BANKING SERVICES: SME’S PERSPECTIVE IN MALANG Tara Andaresta; Nihayatu Aslamatis Solekah
I-Finance Journal Vol 10 No 1 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/xr9bbd68

Abstract

The research aims to determine the influence of Shariah financial literacy, Islamic branding, and religiousness on the interests of SMEs in the use of Shariah banking services. Knowledge of Shariah finance, the application of Islamic branding, and the understanding of religiousness can influence the interest of Small Enterprise perpetrators in the Big Market of Malang City in banking services. Good financial literacy of the Shariah, an Islamic understanding of branding, and a high level of religiosity are expected to make SMEs a qualified perpetrator. This research uses a descriptive quantitative approach that uses primary and secondary data. The sample used in this study was 165 respondents of Small Enterprises offenders in the Big Market of Malang City—data obtained from questionnaires distributed offline to respondents who have qualified. The data obtained was then processed with the help of statistical software, which is SPSS version 24. The analysis used in this study is the measurement of validity and realisticity, the fulfilment of classical assumptions, the analysis of double linear regression, and the test of hypotheses. The results of this study are based on a regression test, i.e., partially, the variable of Shariah financial literacy has a significant influence on the interest in using Sharia banking services, vriable Islamic branding  partially has a positive and significant influence on variable dependency, i.e., interest in using Shariah banking services, and eligiosity variables have a partially positive and significant influence on the dependent variables, i.e., interest in using Sharia banking services. The conclusion of this study is that partially the variables of financial literacy Shariah, Islamic branding, and religiousness have a positive and significant influence on the dependent variable i.e. interest in using Sharia banking services.
Co-Authors Abdul Malik Setiawan Achmad Farid Hidayatullah Achmad Sani Supriyanto Adha Herfian Prayogi Adinda Putri Nur Aini Afifah, Binti Salisatul Agil Nurcahyo Ainur Rosidah Amalia Rahman AJR Amalia Rahman AJR Barianto Nurasri Sudarmawan Danarhuda, Admiral Dariri, Fardan Dhepril Puradi Rachmatulloh Dyah Febriantina Istiqomah Elfin, Maulidya Esy Nur Aisyah Faraz, Laode Farida Dwi Rahmawati Fathul Bachri Fenanda, Zakiah Intan Fitri Ilma Wahyuni Hakim, Ahmad Muqarrabin Hidayah, Nurul Fajriyah Hirmawan, Ari Prasetyo Inda, Ajeng Jelita Indrianawati Usman Jumriyah Jumriyah Kristi Fiki Andrayani Kusuma, Yossy Indra Lailatus Syarifah HN. Laksmi Puteri, Sayyida Islamiya Laurina Trisnaning Putri M Fatkhur Rozi, M Fatkhur M. Fatkhur Rozi MARDIANA Mardiana Mardiana Maulidina, Ivada Hedi Mauludin, Ahmad Hasbi Muhamad Delid Pahlevi Muhammad Ramadhan Mukaromatul Hisnidah Mukhamad Ikhlas Darmawan Muna, Rifka Mudrikul Nugraha, Reno Iwan Candra Nur Ainul Mutmainnah Nur Azizah, Nisya Premananto, Gancar Putri Kamila, Talia Rabikhatus Tsania Rachmatulloh, Dhepril Puradi Rangga Saputra Ratnasari, Kartika Rini Safitri Rohmah, Yushardani Rosalina achmad Salis, Nur Sandiani Sri Wahyuni Sandiani Sri Wahyuni Sonia, Lailatul Izzah Soranda, Rizky Febrian Sri Hartini Syafira, Azka Arij Syarifah HN., Lailatus Tanti Handriana Tara Andaresta Titis Miranti Tri Bagus Doni Andrean Ulfa Khoirun Nisa Ulfi Kartika Oktaviana Ulum, Ima Fidatul Yuanggi Nur Wiria Tarita Zuhratun Nisak Risnia