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All Journal J-CEKI
Muhammad Reza Nacikit
IAIN Ambon
Humanities Social Sciences

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Preferensi Konsumen Sektor UMKM pada Bank Umum Syariah di Kota Ambon (Pembiayaan Modal Kerja & Investasi) Afdhal Yaman; Arizal Hamizar; Muhammad Reza Nacikit; Dety Aryani Relubun; Fatmah Watty Pelupessy; Muammar W. Maruapey; Fadli Fendi Malawat; Rajab Rajab
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7642

Abstract

This study aims to understand the preferences of MSME consumers in Ambon City toward working capital and investment financing provided by Islamic Commercial Banks (BUS). Amid competition with conventional banks, BUS holds significant potential to offer financing aligned with Sharia values, though it has yet to become the primary choice for many business owners. This study identifies the factors influencing MSMEs' decisions to choose BUS, deemed relevant for the development of the MSME sector in Ambon City. The research method used is a qualitative approach involving in-depth interviews and participatory observation with MSME actors in Ambon City. Through thematic analysis, data is processed to explore perceptions, experiences, and factors influencing MSMEs' choice of Sharia financing. The results show that MSMEs' preference for BUS is driven by adherence to Sharia principles, the flexibility of profit-sharing schemes, and ease in requirements and application processes. The profit-sharing scheme implemented by BUS provides advantages in terms of flexible payments adjusted to business income, especially for businesses with fluctuating cash flows. Additionally, guidance from BUS in investment planning offers significant added value for MSMEs in long-term business development.
Preferensi Teknologi, Perencanaan dan Pengambilan Keputusan Keuangan Berdasar Literasi Keuangan Syariah Arizal Hamizar; Fatmah Watty Pelupessy; Dety Aryani Relubun; Muhammad Reza Nacikit; Afdhal Yaman; Muammar W. Maruapey; Fadli Fendi Malawat; Soenari Soenari
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7643

Abstract

This research aims to analyze the influence of Islamic financial literacy on students' financial decision-making behavior, particularly in the context of financial technology (fintech) adoption. The study focuses on understanding how students’ preferences, trust, and comprehension of Islamic financial literacy affect their decisions in using fintech services and its impacts. This research employs a qualitative approach with an exploratory method, involving in-depth interviews with students from various majors and universities in Ambon City. Data were analyzed using a thematic method, identifying and interpreting key themes such as preferences toward fintech, trust levels, and the influence of fintech on students' financial decisions in depth. The results show that students have a high preference for fintech due to factors like efficiency, convenience, and accessibility. However, trust levels in fintech are influenced by perceptions of risk and data security. Islamic financial literacy plays a significant role in shaping students’ preferences for Sharia-based fintech services. Furthermore, fintech adoption has been proven to influence students’ financial planning, particularly in encouraging more practical and efficient financial management behavior, while also presenting challenges in maintaining consistency with Sharia financial principles.
Co-Authors Afdhal Yaman Arizal Hamizar Dety Aryani Relubun Fatmah Watty Pelupessy H. Rajab Malawat, Fadli Fendi Muammar W. Maruapey Soenari Soenari