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All Journal Jurnal Investasi Islam Communautaire: Journal of Community Service
Nurul Fadilah
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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The Influence of Kotanopan Muslim Community Perceptions on Financing Decisions at BPRS Sidanglaya in Mandailing Natal Regency North Sumatra Nurul Fadilah; Atika; Muhammad Arif
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/m43tdr14

Abstract

This study aims to analyze the influence of Kotanopan Muslim community perceptions on financing decisions at BPRS Sidanglaya in Mandailing Natal Regency, North Sumatra. The research method used is a quantitative approach with purposive sampling techniques involving 83 respondents from the Kotanopan Muslim community who are financing customers at BPRS Sidanglaya. Data collection was conducted through the distribution of questionnaires, while data analysis used multiple linear regression with the help of the SPSS application. The results showed that partially, functional value, emotional value, and risk perception had a positive and significant effect on financing decisions. Meanwhile, religious value did not have a significant effect on financing decisions. Simultaneously, all independent variables had a significant effect on the decision to choose financing. These findings indicate that product benefits, emotional comfort, and risk perception play an important role in influencing the Muslim community's decision to choose financing products at BPRS Sidanglaya.
Improving MSME Digital Literacy through the Implementation of QRIS as a Cashless Payment Solution in the Digital Economy Era Vingkan Andini; Rahmad Badri; Yauma Afriyanti; Nurul Fadilah; Siti Aisyah
Communautaire: Journal of Community Service Vol. 4 No. 3 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/communautaire.v4i3.1336

Abstract

This study aims to analyze the implementation of the Quick Response Code Indonesian Standard (QRIS) as a non-cash payment solution and a means of enhancing digital literacy among MSMEs. The research background is based on the low level of digital understanding among rural MSME actors, limited infrastructure, and the dominance of cash transactions, despite the belief that QRIS can improve transaction efficiency and expand market access. The study employs a qualitative approach with a case study design through in-depth interviews, observations, and documentation, supported by thematic data analysis using source and method triangulation. The findings reveal that the implementation of QRIS provides tangible benefits, including increased digital knowledge and skills among MSME actors, improved transaction efficiency, and greater business development opportunities. Young consumers demonstrate high enthusiasm for digital payments, while older age groups tend to prefer cash transactions. The main challenges include limited digital literacy, uneven internet network coverage, and cultural resistance to cashless transactions. This study concludes that QRIS not only functions as a payment instrument but also as a digital transformation medium in supporting the digital economic transformation of MSMEs.
Co-Authors Atika Muhammad Arif Rahmad Badri Siti Aisyah Vingkan Andini Yauma Afriyanti