scholarly journals Determinants of Muslim Entrepreneurs Decisions 0n Sharia Bank Financing and It's Effect 0n Business Performance

2021 ◽  
Author(s):  
La Ode Alimusa
Keyword(s):  
Factor Analysis ◽  
Research Method ◽  
Business Performance ◽  
Small And Medium Enterprises ◽  
Profit Sharing ◽  
Analysis Method ◽  
Islamic Bank ◽  
Bank Financing ◽  
Main Factors ◽  
Medium Enterprises

The purpose of this study is to determine the factors that influence the decisions of Muslim entrepreneurs in using Islamic bank financing products and their influence on Business performance in MSMEs. The research method used is the factor analysis method (Exploratory Factor Analysis) and multiple linear regression. The results showed that there are 2 (two) main factors that determine the behaviour of entrepreneurs in using Islamic bank financing, namely external drives, and internal references. A profit-sharing system is the most important factor for customers in deciding to use Islamic bank financing products. The factors of using these financing products have a significant effect on the performance of small and medium enterprises (SMEs) in Southeast Sulawesi, Indonesia

scholarly journals Determinants of Muslim Entrepreneurs Decisions On Sharia Bank Financing And Its Effect On Business Performance

IKONOMIKA ◽  
2019 ◽  
Vol 4 (1) ◽  
pp. 71-84
Author(s):  
La Ode Alimusa
Keyword(s):  
Factor Analysis ◽  
Service Quality ◽  
Business Performance ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Reference Groups ◽  
Islamic Bank ◽  
Bank Financing ◽  
Bank System

 ABSTRACTThe purpose of this study is to determine the factors that influence the decisions of Muslim entrepreneurs in using Islamic bank financing products and their influence on Business performance in MSMEs. The variables studied were religious factors, service quality, accessibility, reference groups, promotions, profit sharing systems and attitudes towards fatwas. The research method used is the factor analysis method (Exploratory Factor Analysis) and multiple linear regression. sampling technique is non-probability sampling (incidental sampling) that is equal to 70 people with assumptions considered sufficient to represent the population, while the method of collecting data through questionnaires.The results showed thatthere are 2 (two) main factors that determine the behavior of entrepreneurs in using Islamic bank financing, namely external drives (promotion, accessibility, reference groups, and attitudes to the bank system), and internal references (religion, service quality, and profit sharing system). Profit sharing system is the most important factor for customers in deciding to use Islamic bank financing products. The factors of using these financing products have a significanth effect on the performance of small and medium enterprises (SMEs) in Southeast Sulawesi, IndonesiaKeywords : Muslim  Entrepreneurs, Sharia Banks and Business 

scholarly journals Implementasi Sistem Bagi Hasil Mudharabah pada Koperasi Serba Usaha Amanah Desa Bunobogu Kecamatan Bunobogu Kabupaten Buol

Al-Buhuts ◽  
2017 ◽  
Vol 13 (2) ◽  
pp. 109-126
Author(s):  
Abdul Latif
Keyword(s):  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Primary Data ◽  
Analysis Method ◽  
Qualitative Descriptive ◽  
Medium Enterprises ◽  
Made In

This study aims to determine the system for the results of Mudharabah on Business Multipurpose Cooperative (KSU) Amanah Desa Bunobogu with Qualitative Descriptive Analysis method. This study uses primary data sources and secondary data relating to the annual revenue sharing system Mudharabah (2010-2014). The results of this study indicate that the profit sharing system is implemented by the Multipurpose Business Cooperative (KSU) Amanah Desa Bunobogu in the form of Mudharabah financing. With a guarantee statement on the process akadnya. In the event of negligence made by members who resulted in his business losing the goods made in the guarantee will be seized by the cooperative. Businesses that are established by members are mostly small and medium enterprises so often encountered bookkeeping that is not clear and just make a budget booklet at random. However, it does not become alaasan and hamper the growth of cooperatives which each year has increased the remaining results of operations. Unclear budget bookkeeping can result in member earnings manipulation, by lowering the profits earned and the effect on the revenue share installments

scholarly journals Factors Affecting the Distribution of Micro, Small and Medium Enterprises (MSME) Financing in Islamic Banks

2020 ◽  
Vol 5 (1) ◽  
pp. 38
Author(s):  
Annisa Masruri Zaimsyah
Keyword(s):  
Small And Medium Enterprises ◽  
Design Method ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Internal Factors ◽  
Factors Affecting ◽  
Macroeconomic Conditions ◽  
Islamic Bank ◽  
Analysis Technique ◽  
Medium Enterprises

Purpose:This study aims to analyses of the influence of the external and internal factors on medium and small micro Enterprise financing in Indonesia Islamic Bank exsternal factors consist of inflation, BI Rate and Exceng Rate, while the internal factors consists of ROA, CAR, BOPO, FDR and NPF. Design/Method/Approach: The analysis technique used in this study is multiple regression with OLS approach. The data used this study are monthly data from 2014-2018. Data obtained from OJK and Bank Indonesia reports.Findings: The finding results of this study, change in macroeconomic conditions (external factor) will indirectly have an impact on the internal conditions od Islamic Bank and will have an impact on intermediation function, especially for the MSME sector, while partially the factors that influence MSME financing are only in inflation and Exceng rates, CAR, BOPO, NPF. FDR and BI Rate does not affect MSME financing because Islamic Bank do not use the interest system but instead use the profit sharing system.Originality/Values: The main contribution of this study to industry platetrs, Islamic bank and policy makers. Islamic bank must make more efferts to provide financing for MSME. Islamic Banks must be innovative and creative in creating and offering new products related to financing to MSME.

scholarly journals STRATEGI DIGITAL BRANDING UNTUK MENINGKATKAN PENJUALAN UMKM INDONESIA

2021 ◽  
Vol 1 (1) ◽  
pp. 202-214
Author(s):  
Sonny Santosa ◽  
Rini Novianti ◽  
Tri Anggraeni ◽  
Elizabeth Elizabeth ◽  
Andre Gustriandi
Keyword(s):  
Factor Analysis ◽  
Small And Medium Enterprises ◽  
Marketing Strategies ◽  
Creative Economy ◽  
Positive Side ◽  
The World ◽  
Two Factors ◽  
Main Factors ◽  
Digital Branding ◽  
Medium Enterprises

This is the time for us to see the positive side caused by pandemic. Even though not everybody agrees to this, the pandemic going on not only in Indonesia but also in all over the world has given us a chance for ‘adaptation’ over changes in business. Nowadays, business concept is not only affected by markets, companies, competitors but also by changes. Every individual, even a big company must acknowledge this. In order to maintain the side of people’s ‘economy’, various studies reviewing alternatives for good marketing strategies have been carried out. These studies are especially aimed at Small and Medium Enterprises (SMEs). This is because SMEs have been the part of creative economy. Based on these circumstances, the researcher was encouraged to study which strategy of digital branding dominantly carried out by the SME players. This research applied factor analysis to find out the basic attribute grounding SME players to survive their businesses, which were initiated either before or after pandemic. The method used was non-probability sampling. Here the questionnaires were distributed in order to find answers from five determined spots. There were 169 respondents as samples in this research. In the pre-test, before questionnaires distributed, there were at least 9 attributes used as references for the main players of SMEs in applying digital branding. Results of factor analysis test showed that there were at least two main factors developed. In these two factors, it is agreed that strategy of Search Engine Optimization was the most ideal to apply in order to survive their business. This is because it has big dominant value, which was 0.823 (82% for first group) and 0.790 (79% for the second group).

scholarly journals Islamic Bank Financing and It’s Impact on Small Medium Enterprise’s Performance

ETIKONOMI ◽  
2017 ◽  
Vol 16 (1) ◽  
pp. 13-24
Author(s):  
Faisol Faisol
Keyword(s):  
Business Performance ◽  
Partial Least Square ◽  
Least Square ◽  
Positive Direction ◽  
Islamic Bank ◽  
Bank Financing ◽  
Partial Least Square Analysis ◽  
One Year ◽  
Small Medium Enterprises ◽  
Medium Enterprises

The purpose of this paper is to examine the influence of Islamic bank’s financing toward the business performance. Besides that, this paper is going to analyze how far the influence of Islamic bank financing toward Small Medium Enterprises (SME’s) welfare. This research is using partial least square analysis. The population of this research is all of the small medium enterprises especially farmers and industries in the District of Kediri who got Islamic bank financing for one year. The results showed that the Islamic bank financing has significant influence with a positive direction on the SMEs’s performances. This means that when the Islamic bank financing improved, will improve the SMEs’s performance. Further Islamic bank financing has a significant effect with positive direction towards the SMEs’s Welfare.DOI: 10.15408/etk.v16i1.4404

scholarly journals The use of budgets by small and medium enterprises in Cape Metropolis, South Africa

2016 ◽  
Vol 14 (1) ◽  
pp. 183-191 ◽  
Author(s):  
Caroline Chidinma Maduekwe ◽  
Peter Kamala
Keyword(s):  
Business Performance ◽  
Small And Medium Enterprises ◽  
Management Support ◽  
Top Management Support ◽  
Planning And Control ◽  
Qualified Personnel ◽  
Main Factors ◽  
The Government ◽  
Medium Enterprises ◽  
And Control

Failure to budget has been identified as one of the main causes of failure of Small and Medium Enterprises (SMEs). This study seeks to determine the extent to which SMEs in the Cape Metropolis use budgets. Specifically, the study aims to determine the types of budgets used, methods of budgeting employed, purpose for which budgets are used, perceived effectiveness of budgets used and factors that may inhibit SMEs from using budgets. Data were collected using a questionnaire and analyzed using both descriptive and inferential statistics. The findings of this study revealed that most of the SMEs sampled used budgets. The three most frequently used budgets were sales budgets, purchases budgets and cash budgets, while the most frequently used budgeting method was fixed budgeting. The findings also revealed that budgets were mostly used for monitoring, measuring business performance, future planning and control purposes. The findings further revealed that budgets were perceived to be effective but the lack of top management support and qualified personnel were the main factors that inhibit SMEs from using budgets. This study not only fills the gap in the literature on the use of budgets, but also provides invaluable insights on their use by SMEs. These insights could inform future endeavours of the Government when developing interventions meant to avert the high failure rates of these entities. The findings may also assist SMEs to gauge and review their own use of budgets with a view to optimising the benefits derived from these tools, as well as to overcome the factors that could inhibit them from using the budgets in the first place

Prioritization of Leadership Effectiveness Dimensions Improving Organizational Performance via Analytical Hierarchy Process (AHP) Technique

2020 ◽  
pp. 1-21
Author(s):  
Hamed Taherdoost ◽  
Mitra Madanchian
Keyword(s):  
Organizational Performance ◽  
Analytical Hierarchy Process ◽  
Research Method ◽  
Quantitative Method ◽  
Leadership Effectiveness ◽  
Small And Medium Enterprises ◽  
Digital Service ◽  
Main Factors ◽  
Medium Enterprises ◽  
Hierarchy Process

Small and medium enterprises (SMEs) play an important role in the economic development of a country. On the other hand, one of the main factors that leads to organizational success is leadership effectiveness. In addition, many researchers argue that leadership effectiveness can improve organizational performance. Therefore, in order to contribute to economic growth, it is crucial to understand and evaluate the leadership effectiveness. Some researches carried out studies to introduce the dimensions of leadership effectiveness, although there is a lack of research to prioritize these dimensions to effectively guide leaders on how to improve their effectiveness. The chapter aims to prioritize dimensions of leadership effectiveness in SMEs, specifically Malaysia digital service SMEs. The applied research method in this chapter is a quantitative method using analytical hierarchy process (AHP) technique. Furthermore, in this chapter, leadership effectiveness dimensions have been evaluated by practitioner and academician experts in the Malaysia SME context.

Incidence of Stakeholders in the corporate social responsibility of micro, small and medium-sized enterprises of Santa Marta

2018 ◽  
Vol 34 (62) ◽  
pp. 3-19
Author(s):  
Guillen León ◽  
Sergio Afcha
Keyword(s):  
Factor Analysis ◽  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Value Chain ◽  
Training Programs ◽  
Small And Medium Enterprises ◽  
Corporate Management ◽  
Medium Enterprises ◽  
Corporate Social ◽  
The City

This article analyses the perception and application of corporate social responsibility (CSR) practices in a sample of 499 micro, small and medium enterprises (MSMEs) in the city of Santa Marta (Colombia) following the theory of Stakeholders. Specifically, the interdependence technique of exploratory factor analysis was used to determine the most influential Stakeholders in the execution of CSR practices. It was found that Stakeholders related to the value chain, the environment and corporate management favour social responsibility actions in local MSMEs. In contrast, community and government have less influence on the development of social responsibility practices in MSMEs. Additionally, it was found that the size of the business acts as an important moderator of the development of the CSR. Given that there is a distinctive influence of Stakeholders in the development of responsible practices in the MSMEs of Santa Marta, it is suggested that comprehensive training programs on social responsibility be promoted in smaller companies.

Study on Subjective Evaluation of Comfort of Lighting Environment in Nursing Institutions

2016 ◽  
Vol 858 ◽  
pp. 262-266
Author(s):  
Yuan Yuan Zhou ◽  
Wang Da Zhu
Keyword(s):  
Factor Analysis ◽  
Subjective Evaluation ◽  
Analysis Method ◽  
Environment Quality ◽  
Switch Control ◽  
Sense Of Security ◽  
Lighting Environment ◽  
Main Factors

This paper investigated and determined the subjective evaluation indicators of comfort in lighting environment for elderly in nursing institutions. Factor analysis method was utilized and the result showed that the recognition of space and figures, sense of security from even illumination, convenience of switch control and no glare were the main factors. The conclusion of the study was not only used to evaluate the lighting environment quality, but also used to guide the design of lighting environment in nursing institutions.

Sign in / Sign up

Export Citation Format

Share Document