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Analisis Bibliometrik Pembiayaan Syariah untuk UMKM: Tren dan Perspektif Riset dalam Ekonomi Indonesia Febriyantoro, Mohamad Trio; Kairupan, Daniel Joel Immanuel
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4545

Abstract

Pembiayaan syariah bagi Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan aspek strategis dalam pengembangan ekonomi Islam di Indonesia, mengingat peran UMKM sebagai tulang punggung perekonomian nasional serta kesesuaiannya dengan prinsip keadilan dan inklusivitas dalam keuangan syariah. Penelitian ini bertujuan untuk memberikan gambaran menyeluruh mengenai perkembangan literatur ilmiah terkait pembiayaan syariah untuk UMKM di Indonesia melalui pendekatan bibliometrik. Sebanyak 168 artikel ilmiah yang terbit pada periode 2015–2025 dianalisis menggunakan teknik analisis kuantitatif dan pemetaan visual untuk mengidentifikasi tren publikasi, pola sitasi, jaringan kolaborasi penulis dan institusi, serta struktur tematik penelitian. Hasil analisis menunjukkan adanya peningkatan jumlah publikasi yang konsisten, dengan puncak produktivitas riset terjadi pada periode 2019–2021, sejalan dengan berkembangnya ekosistem keuangan syariah nasional, penguatan regulasi, serta meningkatnya perhatian akademik dan kebijakan terhadap pembiayaan UMKM berbasis syariah. Analisis tematik mengidentifikasi tujuh tema utama, yaitu perbankan syariah, mekanisme dan skema pembiayaan UMKM, keuangan sosial Islam (zakat, infak, sedekah, dan wakaf), digitalisasi dan fintech syariah, tata kelola dan keberlanjutan, ekonomi halal, serta studi bibliometrik itu sendiri. Penelitian ini mengungkap sejumlah kesenjangan riset penting, khususnya terkait integrasi fintech syariah dengan perbankan syariah, evaluasi dampak keuangan sosial Islam terhadap pembangunan berkelanjutan UMKM, serta masih terbatasnya studi empiris yang mengakomodasi perspektif UMKM sebagai penerima manfaat pembiayaan. Temuan ini memberikan kontribusi signifikan bagi pengembangan agenda riset ke depan, termasuk eksplorasi model pembiayaan terintegrasi berbasis digital, penguatan inklusi keuangan syariah, serta analisis dampak sosial-ekonomi yang lebih komprehensif.
The Effect of Credit Product Knowledge and Perceived Benefits on the Utilization of Inclusive Financing by MSMEs at Bank XYZ Pekanbaru Vennie Vennie; Daniel Joel Immanuel Kairupan
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5677

Abstract

MSMEs play a strategic role in strengthening the national economy, yet access to formal financing remains a major obstacle. Limited financial literacy and insufficient understanding of banking products have caused many MSMEs to underutilize available credit facilitiesThis study aims to analyze the effect of credit product knowledge and perceived benefits on the utilization of inclusive financing by Micro, Small, and Medium Enterprises (MSMEs) that are clients of Bank XYZ Pekanbaru. A quantitative approach with multiple linear regression analysis was employed, and data were collected through questionnaires distributed to 112 respondents representing MSME clients. The results show that credit product knowledge has a positive and significant effect on inclusive financing utilization, and perceived benefits also exert a positive and significant influence. Simultaneous testing reveals that the two independent variables together contribute 48% to variations in inclusive financing utilization, while the remaining 52% is influenced by other factors beyond the scope of this study. These findings highlight the importance of improving financial literacy and fostering positive perceptions of credit to encourage MSMEs to make greater use of formal financial services. The practical implications suggest the need for continuous financial education strategies, simplified dissemination of banking product information, and regulatory support to strengthen financial inclusion and enhance MSME business sustainability.
From Passion to Intention: Investing, Funding, and Developing Passion in Student Entrepreneurship Daniel Joel Immanuel Kairupan
Telaah Bisnis Vol. 27 No. 1 (2026): July 2026
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v27i1.705

Abstract

Entrepreneurial passion has been theorized as a critical affective antecedent of entrepreneurial intention; however, the distinct and comparative contributions of its three domain-specific dimensions, passion for investing, passion for funding, and passion for developing remain insufficiently examined within a unified empirical model. Grounded in the Theory of Planned Behavior and the entrepreneurial passion framework, this study investigates the influence of these three passion dimensions on entrepreneurial intention. A quantitative cross-sectional design was employed, with data collected from 190 respondents using a structured questionnaire. Hypothesized relationships were tested using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS. The results confirm that all three dimensions exert significant positive influences on entrepreneurial intention, with passion for developing emerging as the strongest predictor (β = 0.363, t = 9.571, p < 0.001), followed by passion for investing (β = 0.328, t = 5.257, p < 0.001) and passion for funding (β = 0.223, t = 3.571, p < 0.001). These findings demonstrate that entrepreneurial intention is substantially driven by domain-specific affective orientations embedded within the individual's entrepreneurial identity, extending beyond purely cognitive determinants. This study contributes theoretically by integrating passion-based antecedents into a unified predictive model of entrepreneurial intention and offers practical implications for the design of entrepreneurship education programs that deliberately cultivate affective engagement alongside technical skill development. Policymakers and educators are encouraged to incorporate passion-nurturing pedagogical approaches, particularly those emphasizing developmental and investment orientations, to foster stronger and more sustained entrepreneurial intentions among prospective entrepreneurs.
Digital Marketing Strategy and Its Influence on Consumer Purchasing Decisions at Kopi Kenangan Surabaya: The Mediating Role of Brand Awareness Fidel Jonathan Kontarya; Daniel Joel Immanuel Kairupan; Dewi Mustikasari Immanuel
Telaah Bisnis Vol. 26 No. 2 (2025): December 2025
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v26i2.650

Abstract

Advances in digital technology have driven significant changes in the way consumers access information and make purchasing decisions. This study aims to examine the influence of digital marketing in purchasing decisions, considering brand awareness as a mediating variable. The research approach used was quantitative with a descriptive associative method. Primary data was collected through questionnaires administered to 110 respondents who met the criteria used in this study was Partial Least Square Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS version 4 software. The results of the analysis indicate that digital marketing has a positive and significant influence on brand awareness and purchasing decisions. Furthermore, brand awareness was also shown to have a significant influence on purchasing decisions and can act as a mediating variable, bridging the relationship between digital marketing and purchasing decisions. These findings indicate that appropriately implemented digital marketing strategies can increase consumer awareness of a brand, ultimately impacting consumer purchasing decisions.