MICRO SMALL ENTERPRISES’ INTEREST IN ISLAMIC FINANCING: CASE OF MSEs AND ISLAMICS BANKS IN YOGYAKARTA

Hidayah, Khusnul and Wahyudin, Wahyudin (2019) MICRO SMALL ENTERPRISES’ INTEREST IN ISLAMIC FINANCING: CASE OF MSEs AND ISLAMICS BANKS IN YOGYAKARTA. [Artikel Dosen]

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Abstract

The development of the micro and small enterprises (MSEs) in Yogyakarta City grew rapidly
and was able to support the economic sector of the city. Nevertheless, they usually face some
problems related to limited capital, market access and product quality. Islamic banking is expected
to play a role in overcoming such problems, especially in providing capital to improve the product
quality and market access. This study aims to acquire the empirical evidence of the effect of profit
sharing, personal, and service factors on the MSEs’ interest in Islamic financing provided by
Islamic banks in Yogyakarta City.
This study employed a survey method using a research questionnaire distributed to MSE
entrepreneurs in Yogyakarta City. The source of data was primary data and the data was analyzed
using SPSS software. Of the total 70 distributed questionnaires, only 60 were responded and
collected by the respondents. The data analysis techniques included data quality testing,
classical assumption test, and hypothesis testing (Multiple Regression Analysis, Coefficient of
Determination, F-Test, and T-Test).
The results showed that profit sharing, personal factors, and service influence the MSEs’ interest
in Islamic bank products provided by Islamic Banks in Yogyakarta City

Item Type:	Artikel Dosen
Keyword:	profit sharing, personal factors, service, interest in financing
Subjects:	H Social Sciences > HJ Public Finance
Divisi / Prodi:	Faculty of Economics (Fakultas Ekonomi) > S1-Accounting (S1 Akuntansi)
Depositing User:	Msi Khusnul Hidayah
Date Deposited:	09 Feb 2023 04:29
Last Modified:	09 Feb 2023 04:29
URI:	http://eprints.uad.ac.id/id/eprint/39661

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