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All Journal Primanomics : Jurnal Ekonomi & Bisnis INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE
Irfan Andinata
Unknown Affiliation
Humanities Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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The Role of Sharia Microfinance Institutions in Fulfilling the Capital Needs of Micro, Small and Medium Enterprises: Case Study of BPRS AL WASLIYAH MEDAN sabbrina, Aura; Anisya Putri Ertani Daulay; Shara Jumiati Siregar; Irfan Andinata; fitri hayati
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 1 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i1.3470

Abstract

This research aims to analyze the role of sharia microfinance institutions, with a focus on PT. BPRS Al-Washliyah, in providing capital financing for MSME players, as well as identifying factors that influence the effectiveness of sharia financing in supporting the development of small businesses. One of the main challenges faced is the lack of understanding by MSME actors regarding the principles of sharia finance, thus hampering the use of these services. This research uses a qualitative descriptive approach through interviews, observations and documentation analysis to explore the relationship between sharia microfinance institutions and the growth of MSMEs, as well as finding solutions to the obstacles faced. The research results show that the Murabahah financing scheme implemented by PT. BPRS Al-Washliyah is in accordance with sharia principles as regulated in DSN Fatwa Number 04/DSN-MUI/IV/2000. This financing provides easy capital with a ceiling of up to 50 million rupiah, which contributes to the business development of MSME players. However, collateral requirements remain a challenge for some customers. To overcome these obstacles, banks implement strategies such as in-depth credit analysis, regular monitoring, and competitive product promotions. These steps demonstrate the bank's commitment to supporting the growth of MSMEs, strengthening the local economy, and encouraging sharia-based financial inclusion in society.
THE INFLUENCE OF WORD OF MOUTH, CUSTOMER EXPERIENCE, AND RISK PERCEPTION ON PURCHASE DECISIONS FOR WARDAH PRODUCTS Irfan Andinata; Nurlaila; Annio Indah Lestari Nasution
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1196

Abstract

The skincare industry has experienced rapid growth in line with increasing public awareness of the importance of skin care, particularly among younger generations. Skintific, a skincare brand based on dermatological research, faces intense competition, making it essential to understand the factors that influence consumer purchase decisions. This study aims to examine the effect of Word of Mouth (WOM), customer experience, and perceived risk on purchase decisions for Skintific products. A quantitative approach was employed, with data collected through questionnaires distributed to consumers who had previously used Skintific products. Multiple linear regression analysis was used to test the hypotheses. The results indicate that WOM, customer experience, and perceived risk have a positive and significant influence on purchase decisions, both individually and collectively. These findings suggest that positive WOM, satisfying customer experiences, and effective management of rerceived risk are crucial strategies to encourage consumer interest and purchasing decisions. The practical implications of this research highlight the need for Skintific to strengthen testimonial-based communication, improve the quality of customer interactions, and provide comprehensive product education to reduce consumer concerns.
Co-Authors Anisya Putri Ertani Daulay Fitri Hayati Nasution, Annio Indah Lestari Nurlaila sabbrina, Aura Shara Jumiati Siregar