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All Journal EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Manajemen Dayasaing
Aulia Galuh Ani Sekar Arum
Universitas 'Aisyiyah Surakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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PUBLIC IMPRESSIONS OF THE USE OF SHARIA PEER-TO-PEER LENDING IN PREVENTING ILLEGAL ONLINE LOAN FRAUD Nurul Aisah; Nur Rahmawati; Sisca Dian Rahmawati; Dewangga Eka Syahputra; Aulia Galuh Ani Sekar Arum
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 8 No 4 (2024): December
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2024.v8.i4.6724

Abstract

Interest in sharia loans may be significantly lower than regular internet loans. Online Sharia loans are safer than conventional loans as they do not incur interest or usury and do not impose penalties for late payments. This study seeks to ascertain public perceptions regarding the utilization of Sharia-compliant P2P lending as a means to mitigate illicit online loan fraud. The employed methodology is a mixed methods research strategy, specifically quantitative utilizing the TAM model and qualitative through structured interviews, aimed at acquiring deeper insights from relevant sources. This research sample used 167 respondents with the criteria namely people who have knowledge or experience using Sharia P2P Lending. The research findings indicate that trust and comfort affect individuals' views and interest in utilizing P2P syariah lending. Attitudes affect individuals' desire to utilize Sharia P2P Lending, whereas risk perceptions do not influence their attitudes or interests. Moreover, the significance of Sharia P2P Lending is paramount, as it functions by Sharia principles that prioritize justice, transparency, and the avoidance of usury, gharar, and maysir. Digital literacy, particularly in financial matters, is essential to avert illicit online loan fraud.
The Role of the Creative Economy in Enhancing the Competitiveness of Traditional Herbal SMEs: A Mediation Analysis of Innovation Capability Ayuk Setiyawan; Fida' Husain; Aulia Uswatun Khasanah; Aulia Galuh Ani Sekar Arum; Nofia Fajar Ramahdan
Jurnal Manajemen Dayasaing Vol. 28 No. 1 (2026): Jurnal Manajemen Dayasaing
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

The rapid development of the creative economy requires traditional herbal small and medium enterprises (SMEs) to improve their competitiveness. However, many herbal SMEs still face challenges in innovation, packaging, and marketing. This study aims to analyze how strengthening innovation capability can enhance the competitiveness of traditional herbal SMEs. The research employed a quantitative approach using a survey of 70 traditional herbal SME owners and managers. Data were analyzed using descriptive statistics, reliability and validity testing, correlation analysis, path analysis, and mediation analysis. The results show that digital media, storytelling, and collaboration positively influence innovation capability, while product innovation has a negative effect. Furthermore, innovation capability strongly mediates the relationship between creative economy elements and competitiveness, with digital media being the most dominant factor. These findings highlight the importance of digital literacy, collaboration, and authentic product narratives in strengthening the competitiveness of traditional herbal SMEs.
Co-Authors Aulia Uswatun Khasanah Ayuk Setiyawan Dewangga Eka Syahputra Fida’ Husain Nofia Fajar Ramahdan Nur Rahmawati Nurul Aisah Sisca Dian Rahmawati