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All Journal Journal of Ekonomics, Finance, and Management Studies Contemporary Islamic Economic and Business Review
Dewi fatmasari
UIN Siber Syekh Nurjati Cirebon
Religion Economics, Econometrics & Finance

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Analisis Faktor - Faktor yang Mempengaruhi Minat UMKM dalam Memilih Pembiayaan Bank Syariah Winda Safitriyani; Achmad Kholiq; Dewi Fatmasari; Nur Haida
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.2

Abstract

This research aims to analyze the factors that influence the interest of MSMEs in Pilangsari Village in choosing sharia bank financing. This research uses a quantitative type of research. The sample in this study was Micro, Small and Medium Enterprises (MSMEs) in Pilangsari Village, totaling 80 respondents taken using proportional proportional sampling. Data collection techniques through distributing questionnaires and literature study. The data analysis used is descriptive analysis, statistical analysis in the form of validity and reliability tests, classical assumption tests, multiple linear regression tests, coefficient of determination tests (R^2) and hypothesis tests in the form of t tests (partial) and f tests (simultaneous) with using SPSS Statistics Version 22. The research results show that there is no influence between knowledge and financing procedures on the interest of Pilangsari Village Micro, Small and Medium Enterprises (MSMEs) in choosing sharia bank financing, and there is a positive and significant influence between promotion on the interest of Pilangsari Village MSMEs in choosing sharia bank financing and The calculated t value > t table is (2.862 > 2.227) with a significant value of 0.006 < 0.05. Simultaneously, Knowledge, Promotion and Financing Procedures together influence MSMEs' interest in choosing Islamic bank financing with a contribution of 15.9% while the remaining 84.1% is influenced by other variables not researched by the author.
Peran Literasi dan Inklusi Keuangan Syariah dalam Meningkatkan Kinerja UMKM di Kabupaten Kuningan Rifqi Muthoharul Janan; Abdul Rosyid; Ayus Ahmad Yusuf; Dewi fatmasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10863

Abstract

This study aims to analyze the role of Islamic financial literacy and Islamic financial inclusion in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in Kuningan Regency. The research employs a descriptive qualitative approach, focusing on the understanding, experiences, and practices of MSME actors in accessing and utilizing Islamic financial services. Data were collected through in-depth interviews, observations, and documentation involving MSME actors, Islamic financial institutions, and related stakeholders. The findings indicate that Islamic financial literacy plays a crucial role in shaping MSME actors’ understanding of Sharia-based transaction principles, thereby encouraging business decision-making that aligns more closely with values of justice and sustainability. Islamic financial inclusion also makes a tangible contribution through easier access to financing, savings products, and other Islamic financial services that support improved business performance. Nevertheless, several challenges remain, including limited understanding, insufficient socialization, and unequal access to Islamic financial services. This study concludes that strengthening Islamic financial literacy and expanding Islamic financial inclusion are strategic factors in enhancing MSME performance in Kuningan Regency. Therefore, synergy among local governments, Islamic financial institutions, and MSME actors is required to promote the development of competitive MSMEs grounded in Sharia principles.
Co-Authors Abdul Rosyid Achmad Kholiq Ayus Ahmad Yusuf Nur Haida Rifqi Muthoharul Janan Winda Safitriyani