Jurnal Inovasi Ekonomi
Vol. 8 No. 02 (2023): October

The dynamics of perception and trust in decision-making among MSMEs: Insights from Islamic banking financing

Deswara, Nida Indika (Unknown)

Article Info

Publish Date
26 Oct 2023

Abstract

This study aims to investigate the impact of perception and trust on MSMEs' decisions regarding Islamic bank financing. Data were collected from 87 MSMEs in Ngaliyan District, Semarang, through surveys and questionnaires. Using a quantitative approach, the data were analyzed with IBM SPSS Statistics Version 24, employing multiple regression analysis. Surprisingly, the results show that neither perception nor trust significantly influences MSME entrepreneurs' decisions. Instead, factors like convenience and efficiency play a more critical role. The study emphasizes the need to streamline processes and improve accessibility to better serve MSMEs.

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Journal Info
Jurnal Inovasi Ekonomi
Website

Abbrev

JIKO

Publisher

Universitas Muhammadiyah Malang

Subject

Economics, Econometrics & Finance Social Sciences

Description

Jurnal Inovasi Ekonomi (JIKO) has been accredited by the National Journal Accreditation (ARJUNA) Managed by the Ministry of Research, Technology, and Higher Education, Republic of Indonesia, and is currently ranked 4th (Sinta 4). Indexed at Google Scholar and Dimensions. JIKO is an open-access ...