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Jurnal Maps (Manajemen Perbankan Syariah)
Published by Universitas Masoem
ISSN : 25973665     EISSN : 26852837     DOI : 10.32627
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education Other
Jurnal Maps (Manajemen Perbankan Syariah) is a scholarly journal published by the Islamic Banking Study Program, Masoem University Bandung. This journal is a forum for publication of scientific works in the form of writings by academics, researchers and practitioners on pure and applied research in the fields of Management, Islamic Banking, Islamic Accounting and Islamic Economics. Maps are published twice a year, namely in March and September. This journal has been accredited by SINTA 5. In 2021, Jurnal Maps (Manajemen Perbankan Syariah) will be merged and recorded in the Masoem University journal. In addition, the DOI prefix of STIBANKS Al Masoem, which was originally 10.32483, became 10.32627 and then the DOI is affiliation was changed to become Masoem University. The journal at STIBANKS Al Masoem has changed its form to a journal at Masoem University.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 12 Documents
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Search results for , issue "Vol. 9 No. 1 (2025)" : 12 Documents clear
Peran Teknologi Finansial dalam Meningkatkan Akses Pembiayaan Usaha Kecil dan Menengah Aisya, Nafiatul; Atho'illah, Akhmad Yunan
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 1 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i1.1651

Abstract

The rapid development of financial technology (fintech) has brought about major changes in access to financial services, particularly for micro, small, and medium enterprises (MSMEs) in Indonesia. MSMEs often face obstacles in obtaining formal financing due to limited collateral, low financial literacy, and administrative constraints. The adoption of fintech provides benefits such as easier access to capital, a simpler process without collateral, and smoother cash flow. However, there are also obstacles such as high interest rates, technical system constraints, and limited understanding of fintech products. This study aims to analyze the role of fintech in improving access to financing for MSMEs in Wonocolo, Surabaya, while identifying the challenges faced in adopting these services. The research method used a qualitative approach through interviews with seven MSME actors from various sectors, such as culinary, handicrafts, and printing. The results showed that fintech such as GoPay, OVO, and ShopeePayLater were widely used by MSMEs in Wonocolo for daily transactions and business financing. This utilization provides easy access to unsecured capital, a quick and simple process, and smoothens cash flow, thereby supporting business sustainability. However, a number of obstacles were also found, such as high interest rates, limited digital literacy, and technical disruptions to the application. Thus, although fintech plays a positive role in supporting the efficiency and growth of MSMEs, optimizing its benefits requires improved literacy and adequate regulatory support.
Pengaruh Proses Produksi dan Pengendalian Mutu terhadap Kualitas Produk Kain Brukat Aprilianti, Puspa; Djachrab, Ida Rapida
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 1 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i1.1656

Abstract

Based on the results of observations and interviews, the background of this research is the fluctuation of production targets, actual production not meeting the targets, and defective products exceeding 3%. It is suspected that this is related to the production process and quality control not functioning properly. The research object is the embroidery department employees at PT Wiratama Prima Textile Indo Rancaekek. The type of research is associative quantitative. The primary data is in the form of questionnaires, while supporting data are collected through observation, interviews, and literature study. The population consists of all production employees in the embroidery section at PT Wiratama Prima Textile Indo Rancaekek, totaling 54 people. Based on Slovin's formula, a sample of 47 people was obtained. Respondents were determined using accidental sampling. Data testing was conducted using statistics, where previously the data were tested through validity, reliability, and normality tests. Subsequently, determination analysis, multiple correlation, and multiple regression were conducted. The results of the study showed that the reliability test results indicated that all research instruments were declared reliable, with a Cronbach’s Alpha value of 0.718 for the production process variable (X1) and 0.719 for quality control (X2), which means they fall into the high category. Partially, the production process affects 40.5% of product quality. Quality control affects 26.7% of product quality. Simultaneously, the production process and quality control affect 43.9% of product quality. The correlation coefficient (R) value of 0.662 indicates that there is a strong relationship between the two independent variables and the dependent variable.

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