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Analysis of Religiosity, Customer Perceptions and Income Levels on the Decision to Choose Savings and Loans Cooperatives and Sharia Financing Trihudiyatmanto, M.; Onamusi, Abiodun Babatunde
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.2.15024

Abstract

 Purpose - This study aims to determine the influence of religiosity, customer perceptions and income level on the decision to choose Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) Melati, Sapuran branch in Wonosobo.Methodology - The analysis in this study uses multiple linear regression analysis to answer the questions in this study. This study used a total sample of 99 respondents to obtain research data.Results - The results of this study indicate that customer perceptions and income levels have a positive effect on the decision to choose KSPPS Melati. While the religiosity variable has no effect on the decision to choose KSPPS Melati.Implications - This study uses primary data obtained from respondents' answers through questionnaires distributed to respondents.Originality - Future research is expected to be able to add or replace variables in this study, in order to increase interest in choosing KSPPS Melati.
MARDHATILLAH RELATIONAL STABILITY AS A MEDIATOR BETWEEN KNOWLEDGE DISSEMINATION, SUPPLY CHAIN INTEGRATION, AND ALLIANCE PERFORMANCE IN INDONESIAN SMES Trihudiyatmanto, M.; Efendi, Bahtiar; Onamusi, Abiodun Babatunde
Journal of Economic, Business and Engineering (JEBE) Vol. 7 No. 2 (2026): April
Publisher : Universitas Sains Al Qur'an

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jebe.v7i2.10962

Abstract

This study aims to analyze the necessity of mardhatillah as a basic concept underpinning supplier-buyer relationships driven by effective knowledge dissemination in buyer-supplier relationships, which is necessary to achieve improved SME alliance performance, considering the mediating role of Mardhatillah Relational Stability and Supply Chain. This study uses a quantitative approach through structural equation modeling (SEM) techniques using partial least squares (SmartPLS 4). Data were collected using a structured questionnaire sent to 140 SMEs that are members of the Indonesian Chamber of Commerce and Industry (Kadin) in the Kedu Regency. Knowledge dissemination (KD) has no influence on alliance performance, but has a significant positive influence on Mardhati Relational Stability and Supply-Chain Integration directly, Mardhati Relational stability mediates the relationship between KD and alliance performance. However, MRS does not mediate the relationship between KD and Supply-Chain. MRS has a significant influence on alliance performance and supply chain integration directly. However, MRS is not mediated by the relationship between Supply-Chain Integration and Alliance Performance. Supply-Chain Integration does not have a direct influence on Alliance Performance and Supply-Chain Integration does not mediate the relationship between KD and Alliance Performance. Implications & Recommendations: For SMEs, the results of this study provide an empirical basis for sharing knowledge aimed at improving the stability of relationships in accordance with the Islamic framework (Mardhatillah) in order to improve Supply-Chain Integration to realize alliance performance in SMEs.