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All Journal Jurnal Hukum Ekonomi Syariah Velocity: Journal of Sharia Finance and Banking Velocity: Journal of Sharia Finance and Banking
Saptana Saptana
Indonesian Center for Agricultural Socio Economic and Policy Studies
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect of Sharia Financial Access & Financial Literation to Non-Bankable MSME’s Growth Fania Mutiara Savitri; Asep Suraya Maulana; Atika Dyah Perwita; Saptana Saptana
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v1i2.4606

Abstract

A number of Islamic financial institutions able to provide non-bankable requirement by limiting loan plafond in order to reduce credit risk. That condition can hamper Micro Small Medium Enterprise (MSME)’s growth. This is proven by only 13.21% of MSME that only have been served by obtaining access to Islamic finance. Study about MSME’s Growth have general purpose to analyze interaction between Financial Literacy and Sharia Financial Access to Finance to MSME’s Growth. This study adopted quantitative research design and used Structural Equation Model (SEM) analysis method by SmartPLS 3.0 to run the data. Population in this research was all MSME’s actor in Semarang that put 100 samples contributing in this research by convenience technique. The finding of the research found Financial Literacy and Access to Sharia Finance affect performance, Financial Literacy affects Access to Sharia Finance and financial Literacy cannot be mediator for the relationship between Access to Sharia Finance to MSME’s growth.
Sustainable Development Strategy on Poultry Industry in Indonesia Saptana Saptana; Rahmat Fadhil; Atika Dyah Perwita
JURNAL HUKUM EKONOMI SYARIAH Volume 3, No. 1, April 2020
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v0i0.6969

Abstract

Development of poultry industry that had been running in Indonesia which more emphasized in economic growth aspect, on one side has succeeded in increasing production, but on the other side it caused negative impact toward business and environmental sustainability. A new paradigm reorientation of poultry industry development was needed in terms of direction, strategy and policy. This paper aimed to study the success and the failure of poultry industry development by conventional approach, paradigm of sustainable poultry industry development, concept and implementation of integrated business partnership, and future perspective. The results of this study showed that the development of poultry industry by conventional approach had generated negative impact toward business stability and sustainability, also toward environmental sustainability. The paradigm of sustainable poultry industry development could be used as an alternative strategy in improving farmers welfare while maintaining environmental sustainability. This paradigm could work well if it was integrated with an integrated business partnership strategy from upstream to downstream. In order to support this effort, consolidation of poultry industry institutions from upstream to downstream was required, so that integration of product processes and between business people could be achieved.
The Effect of Sharia Financial Access & Financial Literation to Non-Bankable MSME’s Growth Fania Mutiara Savitri; Asep Suraya Maulana; Atika Dyah Perwita; Saptana Saptana
Velocity: Journal of Sharia Finance and Banking Vol. 1 No. 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1080.658 KB) | DOI: 10.28918/velocity.v1i2.4606

Abstract

A number of Islamic financial institutions able to provide non-bankable requirement by limiting loan plafond in order to reduce credit risk. That condition can hamper Micro Small Medium Enterprise (MSME)’s growth. This is proven by only 13.21% of MSME that only have been served by obtaining access to Islamic finance. Study about MSME’s Growth have general purpose to analyze interaction between Financial Literacy and Sharia Financial Access to Finance to MSME’s Growth. This study adopted quantitative research design and used Structural Equation Model (SEM) analysis method by SmartPLS 3.0 to run the data. Population in this research was all MSME’s actor in Semarang that put 100 samples contributing in this research by convenience technique. The finding of the research found Financial Literacy and Access to Sharia Finance affect performance, Financial Literacy affects Access to Sharia Finance and financial Literacy cannot be mediator for the relationship between Access to Sharia Finance to MSME’s growth.
Co-Authors Atika Dyah Perwita Fania Mutiara Savitri Maulana, Asep Suraya Rahmat Fadhil