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All Journal JURNAL PENDIDIKAN, SAINS DAN TEKNOLOGI KHITABAH: Khazanah Penelitian Perbankan Syariah
Sutarjo, Tatang
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Humanities Computer Science & IT Economics, Econometrics & Finance Education Mathematics Social Sciences Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN UMKM MEMILIH PEMBIAYAAN DI BANK SYARIAH Sutarjo, Tatang; Karsono, Karsono
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.73

Abstract

The decision of Micro, Small, and Medium Enterprises (MSMEs) to choose financing in Islamic banks is influenced by various factors that affect business sustainability and growth. This study aims to analyze the factors affecting MSMEs' decisions in selecting financing in Islamic banks in Ciamis Regency. The research involved 100 MSME owners selected using purposive sampling techniques based on business type, duration, and experience with Islamic financing. A quantitative approach was applied, with structured questionnaires as the data collection instrument. Data analysis was conducted using multiple regression methods to examine the influence of variables such as religiosity, understanding of Islamic principles, banking services, and profit-sharing rates on financing decisions. The results show that religiosity and understanding of Islamic principles significantly impact MSME decisions, while banking services and profit-sharing rates also play relevant roles. The study concludes that increasing public understanding of Islamic banking products and principles can enhance Islamic banks' attractiveness to MSMEs. This research provides practical implications for Islamic banks to improve their services and education efforts toward potential MSME customers.
IMPLEMENTASI KEWIRAUSAHAAN BERBASIS TEKNOLOGI INFORMASI DAN LITERASI BAHASA INGGRIS DALAM MENINGKATKAN KOMPETENSI LULUSAN SMK NEGERI 1 CIBADAK SUKABUMI Yoseptry, Ricky; Iriani, Timur; Sutarjo, Tatang; Burhan, Barri Mochamad
PENDIDIKAN SAINS DAN TEKNOLOGI Vol 12 No 2 (2025)
Publisher : STKIP PGRI Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47668/edusaintek.v12i2.1585

Abstract

In the era of disruption, marked by a significant phenomenon of rapid change and characterized by the Industrial Revolution 4.0 and Society 5.0, there has been a profound impact on the workforce, particularly in West Java Province. This aligns with a groundbreaking regulation by the provincial government concerning the establishment of Vocational High Schools (SMK), currently totaling 2,905, and Job Training Institutions (LPK), amounting to 3,170. The primary aim is to create a productive workforce and reduce unemployment rates. This community service activity was conducted at SMKN 1 Cibadak, Sukabumi Regency. The goal of the program was to enhance the knowledge and skills of students at SMKN 1 Cibadak, shaping a resilient and competitive younger generation in the workforce (DUDIKA). The program also sought to develop students' self-potential, creativity, and entrepreneurial character through improved Information Technology competencies and English literacy. The Learning Journey Canvas method was utilized to design and visualize the learning process, while simulation techniques were employed for IT-based English literacy and entrepreneurship training. The expected outcome is that students of SMKN 1 Cibadak, Sukabumi Regency, will acquire proficient entrepreneurial knowledge and skills, enabling them to compete and adapt within DUDIKA. Additionally, they are expected to develop their potential, creativity, and entrepreneurial character while effectively utilizing Information Technology and English proficiency to support their readiness for work, further studies, or entrepreneurship (BMW)
Co-Authors Burhan, Barri Mochamad Iriani, Timur Karsono Karsono Yoseptry, Ricky