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Zakik
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Economics, Econometrics & Finance Social Sciences

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Peran Inklusi Keuangan Syariah terhadap Perkembangan UMKM di Kabupaten Sumenep (Studi pada BPRS Bhakti Sumekar) Angraini, Yeni; Zakik
Airlangga Journal of Innovation Management Vol. 5 No. 3 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i3.58214

Abstract

This research is intended to identify and evaluate the contribution of Sharia financial inclusion at Sharia People's Financing Bank Bhakti Sumekar to the development of MSMEs in Sumenep Regency with the dimensions of accessibility, use of products and services, and service quality. This study determined sample size followed the Roscoe formula. At least 40 MSMEs were customers of Sharia People's Financing Bank Bhakti Sumekar were obtained. To collect data, a combination of interview methods and questionnaire distribution were used. The data was analyzed using SPSS for instrument testing, descriptive statistics, multiple linear regression, classical assumption testing, and hypothesis testing. Results showed that simultaneously, the variables of accessibility, use of products and services, and service quality have a significant impact on the development of MSMEs. However, partial use of products and services does not have a big impact on the development of MSMEs. This is partly due to the limited public awareness regarding Sharia financing, as well as the frequent misuse of credit financing. The implications of this research can provide direct benefits of Islamic financial inclusion, such as easier access to financing, better financial management, and increased business capacity. This will ultimately contribute to improved MSME performance, regional economic growth, and community welfare.
Pengaruh Inklusi Keuangan Syariah Terhadap Pembiayaan Industri Kreatif (Studi Kasus KSPPS BMT-NU Jawa Timur Kantor Cabang Lenteng Sumenep) Istiqamah, Vina Abidatin; Zakik
Airlangga Journal of Innovation Management Vol. 5 No. 3 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i3.60067

Abstract

This study aims to analyze the effect of Islamic financial inclusion on creative industry financing in KSPPS BMT-NU Sumenep. Multiple linear regression analysis technique was applied to identify the influence of independent variables.The research design used in this study is a questionnaire to customers of BMT-NU EAST JAVA Lenteng Branch Office who are willing to be respondents and fill out a questionnaire, the purpose of which is to find out how much influence the independent variables, namely, Profile (X1), Income (X2), Accessibility (X3), and Product (X4) on financing the creative industry in Sumenep Regency. The results of the research obtained through multiple Linear Regression dummy variables are profile variables and products that have a significant positive effect on financing the creative industry of BMT-NU Lenteng Branch Sumenep customers. While the accessibility variable has a significant negative effect on financing the creative industry of BMT-NU Lenteng Sumenep Branch customers. While the income variable has a positive, but insignificant effect on financing the creative idustry of BMT-NU Lenteng Sumenep Branch customers.
Co-Authors Angraini, Yeni Istiqamah, Vina Abidatin