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All Journal Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam
Naldi, Ool
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Humanities Decision Sciences, Operations Research & Management Social Sciences

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Determinant Analysis of MSE Owners' Interest in Islamic Banking Financing in Kenagarian Kinari: A Confirmatory Factor Analysis Approach Adif, Riandy Mardhika; Andespa, Roni; Naldi, Ool
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10244

Abstract

This study examines the factors influencing Micro and Small Enterprise (MSE) owners' interest in accessing Islamic banking financing in Kenagarian Kinari. Using a quantitative approach and Confirmatory Factor Analysis (CFA), the research involved 89 MSE owners who had not yet accessed Islamic bank financing. The analysis identified ten key factors influencing MSE owners' interest: social factors (27.393%), location (8.879%), marketing mix (7.033%), promotion (5.868%), cultural (5.018%), product (4.473%), procedural (3.930%), personal (3.490%), belief (3.232%), and psychological factors (3.053%). Notably, social factors, encompassing group recommendations, family encouragement, and work environment influence, emerged as the most dominant determinant with the highest loading factor. This research provides significant contributions to developing Islamic banking strategies in reaching the MSE segment and enhancing Islamic financial inclusion at the village level.
Determinant Analysis of MSE Owners' Interest in Islamic Banking Financing in Kenagarian Kinari: A Confirmatory Factor Analysis Approach Adif, Riandy Mardhika; Andespa, Roni; Naldi, Ool
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10244

Abstract

This study examines the factors influencing Micro and Small Enterprise (MSE) owners' interest in accessing Islamic banking financing in Kenagarian Kinari. Using a quantitative approach and Confirmatory Factor Analysis (CFA), the research involved 89 MSE owners who had not yet accessed Islamic bank financing. The analysis identified ten key factors influencing MSE owners' interest: social factors (27.393%), location (8.879%), marketing mix (7.033%), promotion (5.868%), cultural (5.018%), product (4.473%), procedural (3.930%), personal (3.490%), belief (3.232%), and psychological factors (3.053%). Notably, social factors, encompassing group recommendations, family encouragement, and work environment influence, emerged as the most dominant determinant with the highest loading factor. This research provides significant contributions to developing Islamic banking strategies in reaching the MSE segment and enhancing Islamic financial inclusion at the village level.
Co-Authors ADIF, RIANDY MARDHIKA RONI ANDESPA, RONI