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All Journal International Journal of Applied Finance and Business Studies
Enjat sudrajat
Universitas Mathla'ul Anwar, Banten, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The effect of financial literacy on online loans and its impact on poverty Irma Yunita Irma; Enjat sudrajat; Nono Arief Rachman; Bachtiar Rifai
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.109

Abstract

The development of information technology has brought things in a simpler direction, one of which is related to banking financial technology where banking transactions that were originally done offline can now be done online. Likewise transactions that are currently life, namely loans made online orpeer to peer lending.This study uses secondary data for 2019 and 2022 using Soft SEM-Pls and structural methods. The results of the study partially state that financial literacy has an effect on interest in online loans and financial literacy has an effect on poverty rates. The results of this study also found There is an influence of interest in online loans on poverty rates. However, the research results also show that interest in online loans has no effect on the poverty rate. This research provides valuable knowledge that online loans do not have a major impact on reducing poverty.
The relationship between knowledge, awareness, perceptions of mses on compliance with the halal process with self-declared as a moderating variable Emul Mulyana; Enjat Sudrajat; Meri Lustianah; Masitoh Masitoh
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.114

Abstract

Indonesia is ranked fourth in the world's halal product players, even though Indonesia has the largest Muslim population. The study aims to determine whether there is an effect of knowledge on compliance with the Halal Product Process (PPH) for Micro and Small Enterprises (MSEs). To find out whether awareness affects PPH compliance, does perception affect PPH compliance. Updates in this study include self-declare as a moderating variable on the relationship between knowledge and compliance, as a moderating variable on the relationship between awareness and compliance, as a moderating variable for the influence of perceptions on PPH compliance. The research was conducted on 400 small and medium enterprises (MSEs) in Banten province. This research is a quantitative research with a casual descriptive approach and was processed using PLS software version 4.0, indicating a positive effect of knowledge on PPH compliance. There is a positive influence between awareness on PPH compliance. There is a positive influence on perceptions on PPH compliance. Meanwhile, the self-declared hypothesis which moderates the three relationships above, none of which can be accepted
Co-Authors Bachtiar Rifai Emul Mulyana IRMA YUNITA Masitoh Meri Lustianah Nono Arief Rachman