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All Journal Jurnal Ilmiah Ekonomi Islam AJIS : Academic Journal of Islamic Studies
saida, umi
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Modal Sosial: Apakah Penting Dalam Penyelesaian Pinjaman di Lembaga Keuangan Mikro Syariah? saida, umi; Abadi, M. Kurnia Rahman; Prasetiyo, Luhur
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11863

Abstract

This study examines the significance of social capital in Islamic microfinance at BMT La Tansa Gontor. The research uses a systematic review of theoretical and empirical literature. The findings show that group loans with joint liability are effective in overcoming credit market challenges for the impoverished. Peer selection, monitoring, and pressure play a role in this effectiveness. However, the empirical literature suggests that social capital is a complex concept with varying effects on performance. Factors like trust, cultural homogeneity, and peer pressure have a greater influence on repayment compared to family groups. The implications of this research are practical and social. It highlights the need to consider social capital in different areas before implementing microfinance programs. It also emphasizes the importance of forming groups with trustworthy individuals and helping those affected by external factors. Lastly, it suggests avoiding family groups. The originality of this research lies in its comprehensive analysis of social capital and its impact on group performance.
Indonesian Millennial Financial Behaviour: The Role of Financial Literacy in Intention to Use Fintech Lending Abadi, M. Kurnia Rahman; Saida, Umi
AJIS: Academic Journal of Islamic Studies Vol. 9 No. 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/ajis.v9i1.10050

Abstract

The significance of financial behaviour among millennials, particularly concerning fintech lending, is important. Fintech lending is a complex subject that is increasingly being studied. However, it also provides a solution for quick and easy funds. This study proposes to notice the financial behaviour of millennials by looking at their financial literacy and how it affects their plan to use fintech lending. The study practices a quantitative research approach and gathered data from 359 respondents through purposive random sampling. Structural equation modelling was used to test the hypotheses. The study found that the variables of the theory of planned behaviour do not directly affect the intention to use fintech, on the other hand, financial literacy has a significant influence. The consequences of this study are useful for investors, financial institutions, and government officials since it emphasises the necessity of knowing millennials' financial behaviours. These behaviours can impact their product choices, as seen in their susceptibility to the FOMO syndrome
Co-Authors Abadi, M. Kurnia Rahman Luhur Prasetiyo