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All Journal Journal of Economics and Social Sciences Journal of Innovative and Creativity ZIJEc: Zabags International Journal of Economy ZIJEn: Zabags International Journal of Engagement
Saputra, Ahmad Edi
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Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Social Sciences Other

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Journal : Journal of Innovative and Creativity

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Persepsi dan Pengetahuan Pelaku UMKM Desa Rantau Rasau II dalam Bertransaksi di Bank Syariah Indonesia Maulana, Andre; Haeran, Haeran; Kuswanto, Kuswanto; Pitri, Alisyah Pitri; Saputra, Ahmad Edi; Devi, Erwina Kartika
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2782

Abstract

This study aims to determine the perceptions and level of knowledge of Micro, Small, and Medium Enterprises (MSMEs) in Rantau Rasau II Village regarding Islamic banking services, particularly in conducting transactions at Bank Syariah Indonesia (BSI). The background of this study is based on the importance of Islamic financial literacy among MSMEs to support economic growth based on Islamic principles. The method used in this study is descriptive quantitative with data collection through questionnaires distributed to MSMEs in the village. The results show that most MSMEs have limited basic knowledge regarding Islamic banking principles and products. Nevertheless, perceptions of Bank Syariah Indonesia are generally quite positive, especially related to aspects of halal transactions and fairness of the profit-sharing system. Factors such as education level, business experience, and access to information are variables that influence the level of knowledge and perceptions of MSMEs. These findings imply the need for more intensive education and socialization regarding Islamic banking so that MSMEs can have more trust and actively utilize BSI services optimally.
Co-Authors Al-Munip Daud dewi, hasna Erwina Kartika Devi Haeran, Haeran Kuswanto Kuswanto Marwendi, Reza Okva Maulana, Andre Munip, Al Pilisia, Ade Elfhina Pitri, Alisyah Pitri Ratna Safitri Riyadi, Ilham Slamet Sapriandi Wargo Yulianti Yustina Zaenal Abidin