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All Journal Islamic Banking and Finance Proceeding International Annual Conference Economics, Management, Business, and Accounting
Muh. Hasbi Ash. Shiddiq
Institut Agama Islam Negeri Bone
Economics, Econometrics & Finance Social Sciences

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MEKANISME HAWALAH DENGAN DANA INFAK DALAM PEMBIAYAAN USAHA SYARI’AH KOTA MOJOKERTO Muh. Hasbi Ash. Shiddiq
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.3012

Abstract

This article aims to find out the debt transfer agreement in the PUSYAR program. PUSYAR is a program to strengthen UMKM where PUSYAR participants get business capital assistance with a murabahah scheme. The margin from the murabahah is paid by the Mojokerto City Baznas using infaq funds. This research is descriptive qualitative with a case study approach to find out the phenomenon and find the meaning of a case. The results of this study are, the contract in the process flow of the transfer of margin debt from the murabahah contract is in the form of a hawalah contract where BAZNAS (muhal 'alaih) pays the margin debt of PUSYAR participants ( muhil) to the BPRS (muhal).
Digital payment usage by MSME players in Bone regency: a theory of planned behavior and risk perception approach Muh. Hasbi Ash. Shiddiq; Titiek Muthmainnah
Proceeding International Annual Conference Economics, Management, Business, and Accounting Vol. 1 (2023): Proceeding International Annual Conference Economics, Management, Business, and Accou
Publisher : IAEI

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Abstract

This study aims to identify the factors influencing the intention to adopt digital payment methods among Micro, Small, and Medium Enterprises (MSMEs) in Bone Regency, South Sulawesi, using the Theory of Planned Behavior and perceived risk approach. Data were collected through online questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The findings of this study reveal that only two variables in the Theory of Planned Behavior significantly influence the intention to adopt digital payment methods among MSMEs, while perceived risk does not have a significant direct or mediating effect. The results indicate that MSMEs in Bone Regency are accustomed to using digital payments because they perceive it as a convenient method. Additionally, the ability to operate digital payments positively influences their intention to adopt. MSMEs in this study do not perceive any significant risks associated with digital payments.
Co-Authors Titiek Muthmainnah