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All Journal JIIP (Jurnal Ilmiah Ilmu Pendidikan) International Journal of Business, Law, and Education Horizon: Indonesian Journal of Multidisciplinary
Usman, Agus
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Social Sciences Other

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Optimalisasi Pembiayaan PT. Bank NTB Syariah untuk Usaha Mikro Kecil Menengah Usman, Agus; Hidayati, Sri Wahyu; Taryono, Taryono
JIIP - Jurnal Ilmiah Ilmu Pendidikan Vol. 6 No. 2 (2023): JIIP (Jurnal Ilmiah Ilmu Pendidikan)
Publisher : STKIP Yapis Dompu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (239.511 KB) | DOI: 10.54371/jiip.v6i2.1462

Abstract

Bank sebagai lembaga intermediasi yang menghimpun dana masyarakat dalam bentuk tabungan kemudian menyalurkan kemasyarakat dalam bentuk pembiayaan, dengan fungsi tersebut nyatanya sektor UMKM belum tersentuh maksimal padahal sektor ini merupakan penyumbang terbesar PDB dan menjadi andalan penyerapan tenaga kerja, Berbagai permasalahan mendasar UMKM seperti lemahnya kemampuan usaha, kualitas SDM yang terbatas, serta lemahnya akses permodalan kelembaga keuangan formal menyebabkan seringkali pelaku UMKM mencari sumber pendanaan lain yang lebih cepat dan mudah walaupun dengan bunga tinggi seperti ke rentenir.  Upaya membatasi praktek rentenir sangat mungkin dilakukan dengan mengoptimalkan produk pembiayaan yang bersifat formal dengan layanan merata dan mudah diakses, hal tersebut dilakukan oleh Bank NTB syariah dengan menyediakan produk dan layanan keuangan syariah yang unggul dan inovatif termasuk diantaranya dengan mengadakan literasi keuangan untuk pelaku UMKM. Untuk mengetahui minat pelaku UMKM dalam menggunakan produk pembiayaan bank NTB syariah, peneliti mengadopsi pendekatan dengan model UTAUT (unified teory of acceptance and use of technology), Data diperoleh dengan menyebarkan quesioner kepada 113 pelaku sektor UMKM menggunakan tehnik random sampling dengan perhitungan statistik regresi linear berganda diperoleh hasil faktor-faktor yang dapat mempengaruhi pelaku UMKM menggunakan jasa produk pembiayaan bank NTB syariah secara signifikan yaitu  performance expectancy terhadap behavioral intention dengan tingkat signifikan sebesar 46.7%, effort expectancy berpengaruh sebesar 21.2% dan behavioral intention 27.6% terhadap use behavior.
Driving Agribusiness MSME Performance: Linking Service Quality to Innovation Capability Usman, Agus; Windarko, Windarko
International Journal of Business, Law, and Education Vol. 7 No. 1 (2026): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v7i1.1354

Abstract

This study examines the effect of service quality on small and medium-sized enterprise (SME) performance, with innovation capability serving as a mediating variable. A quantitative research design was employed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The study involved owners and managers of SMEs operating in the processed food sector based on agricultural commodities. Data were collected through a structured questionnaire and analysed using SmartPLS version 4. The results demonstrate that service quality has a significant positive effect on SME performance and acts as a key driver of innovation capability. Furthermore, innovation capability significantly mediates the relationship between service quality and performance, indicating that SMEs are able to convert superior service quality into improved performance outcomes through enhanced innovation. These findings highlight the strategic role of innovation capability in strengthening the impact of service quality on business performance. This study contributes to the literature by providing empirical evidence from agribusiness-based SMEs and emphasizing innovation as a critical factor for achieving sustainable competitiveness at both local and global levels. The findings offer important managerial implications for SME practitioners and policymakers in designing strategies that integrate service excellence with innovation development.
Factors Influencing Seller’s Satisfaction of E-Commerce Platforms Octaviani, Reni Dian; Suminar, Ratna; Usman, Agus; Rahmawati, Fani; Rosid, Rijal; Mafrudoh, Lut
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary (In-Press)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i3.5363

Abstract

The rapid growth of the online marketplace sector has transformed the way sellers operate their businesses in the digital age. The choice of online marketplace platform is a strategic decision as it directly influences market reach, operational efficiency and seller satisfaction. This study aims to analyse the influence of promotions, transaction costs, delivery services, and vendor support on seller satisfaction when selecting an online marketplace platform. The study employs a quantitative approach using a survey method involving 100 sellers operating in the Central Java region. Data were collected via a structured questionnaire and analysed using Partial Least Squares-based Structural Equation Modelling (SEM-PLS). The results indicate that promotions, transaction costs, delivery services, and vendor support have a positive influence on seller satisfaction. Among these four factors, vendor support has the most significant influence on seller satisfaction when using online marketplace platforms. These findings suggest that the technical support and services provided by platform operators play a crucial role in enhancing seller satisfaction and the continued use of the platform by sellers.
Co-Authors Hidayati, Sri Wahyu Mafrudoh, Lut Octaviani, Reni Dian Rahmawati, Fani Rosid, Rijal Suminar, Ratna Taryono, Taryono Windarko Windarko