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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam International Journal of Education, Social Studies, And Management (IJESSM)
Alviansha, Alwi
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The Role of Microfinance Institutions in Micro, Small and Medium Enterprises (MSMES): a Case Study of Budi Gadai Roren, Yeli; Puan, Adinda; Bonamanobing, Rizky; Alviansha, Alwi
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 5 No. 1 (2025): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v5i1.608

Abstract

This study examines the role of microfinance institutions in supporting the development of Micro, Small, and Medium Enterprises (MSMEs), with a case study on Budi Gadai, located on Jalan Pancing. The objective of this research is to analyze how microfinance, particularly Budi Gadai, contributes to the growth and sustainability of MSMEs through accessible financing and financial management guidance. The research employs a qualitative approach with in-depth interviews and analysis of business performance data from MSME clients of Budi Gadai. The findings indicate that Budi Gadai provides a significant impact on MSME growth by offering simplified loan access, which helps business owners overcome financing barriers. The majority of MSMEs reported increased revenue and business expansion after obtaining funding from Budi Gadai. However, challenges remain, such as high interest rates and limited loan amounts. Nevertheless, Budi Gadai plays a critical role in the economic resilience of MSMEs, especially during periods of financial crisis. This study concludes that microfinance institutions like Budi Gadai are essential for the sustainability and growth of MSMEs, particularly in urban areas.
The Role of Microfinance Institutions in Micro, Small and Medium Enterprises (MSMES): a Case Study of Budi Gadai Roren, Yeli; Puan, Adinda; Bonamanobing, Rizky; Alviansha, Alwi
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 5 No. 1 (2025): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v5i1.608

Abstract

This study examines the role of microfinance institutions in supporting the development of Micro, Small, and Medium Enterprises (MSMEs), with a case study on Budi Gadai, located on Jalan Pancing. The objective of this research is to analyze how microfinance, particularly Budi Gadai, contributes to the growth and sustainability of MSMEs through accessible financing and financial management guidance. The research employs a qualitative approach with in-depth interviews and analysis of business performance data from MSME clients of Budi Gadai. The findings indicate that Budi Gadai provides a significant impact on MSME growth by offering simplified loan access, which helps business owners overcome financing barriers. The majority of MSMEs reported increased revenue and business expansion after obtaining funding from Budi Gadai. However, challenges remain, such as high interest rates and limited loan amounts. Nevertheless, Budi Gadai plays a critical role in the economic resilience of MSMEs, especially during periods of financial crisis. This study concludes that microfinance institutions like Budi Gadai are essential for the sustainability and growth of MSMEs, particularly in urban areas.
Examining the Determinants of Consumer Trust in Local Skincare Marketing: Overclaim, Perceived Product Quality, and Influencers Alviansha, Alwi; Tambunan, Khairina; Aslami, Nuri
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.33221

Abstract

The practice of overclaim in the marketing of local skincare products has intensified alongside increased social media promotion and influencer involvement, potentially undermining customer trust. This study analyzes the effects of overclaim, product quality perception, and the role of influencers on customer trust in the marketing of local skincare products. An associative quantitative design was employed in 2025 in Medan, North Sumatra, with a purposive sample of 100 users of local skincare products. Data were collected via a closed-ended questionnaire and analyzed using descriptive statistics, classical assumption tests, and multiple linear regression with SPSS. Results indicate that overclaim exerts a significant negative effect on customer trust, while product quality perception and the role of influencers exert significant positive effects. Simultaneously, the three variables significantly explain variation in customer trust, with the role of influencers emerging as the most dominant predictor. The study’s novelty lies in integrating overclaim, product quality perception, and influencers into a single empirical model within the context of local skincare products affected by viral social media dynamics. Practical implications include the need for producers to reduce overclaim and strengthen empirical evidence of product quality in promotional activities, for regulators to tighten oversight of advertising claims, and for future research to examine mediation or moderation mechanisms such as influencer credibility and consumer characteristics.
Co-Authors Bonamanobing, Rizky Nuri Aslami Puan, Adinda Roren, Yeli Tambunan, Khairina