Windowati, Riska Aria (2018) Determinan Minat Pemilik Umkm Dalam Menggunakan Pembiayaan Mudharabah (Studi Pada Pemilik Umkm Di Wilayah Malang Raya). Sarjana thesis, Universitas Brawijaya.
Abstract
Wilayah Malang Raya merupakan daerah yang memiliki potensi UMKM sangat tinggi. Seiring dengan pesatnya perkembangan lembaga keuangan syariah, di Indonesia, namun masih sedikit pemilik Usaha Mikro Kecil Menengah (UMKM) yang menggunakan pembiayaan mudharabah. Berdasarkan permasalahan tersebut, penelitian ini bertujuan untuk menguji secara empiris determinan minat pemilik UMKM dalam menggunakan pembiayaan mudharabah dengan model Theory Reasoned of Action (TRA), yang dimodifikasi dengan menambahkan variabel Religiusitas dan Service Quality. Penelitian ini menggunakan metode survei kuesioner untuk memperoleh data. Tehnik pengambilan sampel yang digunakan adalah convenience sampling. Responden yang digunakan dalam penelitian ini sebanyak 96 responden, yakni pemilik UMKM di Wilayah Malang Raya yang pernah menggunakan pembiayaan mudharabah. Analisis data penelitian ini menggunakan model Part Least Square (PLS) dengan aplikasi SmartPLS. Hasil pengujian menunjukkan bahwa konstruk sikap, norma subyektif, dan religiusitas berpengaruh secara positif dan signifikan terhadap minat pemilik UMKM untuk menggunakan pembiayaan mudharabah. Sedangkan service quality tidak berpengaruh terhadap minat pemilik UMKM untuk menggunakan pembiayaan mudharabah dikarenakan pemilik UMKM lebih mementingkan jumlah keuntungan yang mereka peroleh saat menggunakan pembiayaan mudharabah dan kemudahan untuk memenuhi syarat menggunakan pembiayaan mudharabah di lembaga keuangan syariah.
English Abstract
Malang is an area that has a very high potential of MSMEs. The development of Islamic financial institutions in Indonesia is rapid, but only a few Micro, Small, and Medium Enterprise (MSME) owners use mudharabah financing. This research is aimed to empirically test the determinants of intentions of Micro, Small, and Medium Enterprises (MSMEs) in using mudharabah financing by modifying the Theory of Reasoned Action (TRA), Religiosity, and Service Quality. This research used questionnaire survey method to obtain data. The sampling technique used is convenience sampling. The respondents used in this research number to 96, who are MSME owners in Malang who had used mudharabah financing. Analysis of the research data used the Partial Least Square (PLS) model with SmartPLS application. The results showed that the construct of attitude, subjective norm, and religiosity positively and significantly affect MSME owners’ interest in using mudharabah financing. Service quality does not affect MSME owners’ interest in using mudharabah financing because MSME owners are more concerned with the amount of profit they earn when using mudharabah financing and the ease to qualify to use mudharabah financing in sharia financial institutions.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2018/512/051809978 |
| Uncontrolled Keywords: | Theory Reasoned of Action (TRA), Pembiayaan Mudharabah, Minat Perilaku, Sikap, Norma Subyektif, Religiusitas, dan Service Q, Malang is an area that has a very high potential of MSMEs. The development of Islamic financial institutions in Indonesia is rapid, but only a few Micro, Small, and Medium Enterprise (MSME) owners use mudharabah financing. This research is aimed to empirically test the determinants of intentions of Micro, Small, and Medium Enterprises (MSMEs) in using mudharabah financing by modifying the Theory of Reasoned Action (TRA), Religiosity, and Service Quality. This research used questionnaire survey method to obtain data. The sampling technique used is convenience sampling. The respondents used in this research number to 96, who are MSME owners in Malang who had used mudharabah financing. Analysis of the research data used the Partial Least Square (PLS) model with SmartPLS application. The results showed that the construct of attitude, subjective norm, and religiosity positively and significantly affect MSME owners’ interest in using mudharabah financing. Service quality does not affect MSME owners’ interest in using mudharabah financing because MSME owners are more concerned with the amount of profit they earn when using mudharabah financing and the ease to qualify to use mudharabah financing in sharia financial institutions. |
| Subjects: | 300 Social sciences > 338 Production > 338.6 Organization of production > 338.64 Size of enterprises > 338.642 Small business |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 24 May 2019 01:12 |
| Last Modified: | 20 Oct 2021 07:02 |
| URI: | http://repository.ub.ac.id/id/eprint/162901 |
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