Analysis Of Knowledge And Interest of Micro Business Actors In Sharia Business Loans PT. Sharia Pawn
DOI:
https://doi.org/10.25299/syarikat.2024.vol7(2).20659Keywords:
Knowledge, Interest, Loans, Sharia PawnshopsAbstract
Loans at Sharia Pawnshops for micro businesses are a solution to meet capital and economic needs without violating sharia principles. This institution is designed to apply the principles of sharia economics in financial services, especially in small business financing. Riba is prohibited in every transaction, and profits must be obtained in accordance with sharia law. Sharia Pawnshops also support zakat obligations and play a role in empowering micro businesses through halal and fair financing. This study aims to analyze the level of knowledge and interest of micro business actors in sharia business loans at PT. Sharia Pawnshop. This study evaluates how the understanding of micro business actors regarding sharia principles and Islamic financial products offered by Sharia Pawnshops affects their interest in using this service. This research is quantitative descriptive with a sample of 100 micro business actors from the city of Pekanbaru. The study found that there was a significant relationship between knowledge and interest in decision-making. This means that the more knowledge a person has about business and finance, the more likely they are to be interested in borrowing money at a sharia pawnshop.
Downloads
References
Azizah, A., et al. (2022). Minat Pelaku Usaha Terhadap Produk Keuangan Syariah. Jurnal Ekonomi Syariah, 15
Akbar, D. A. (2016). Analisis pengaruh ukuran perusahaan, kecukupan modal, kualitas aktiva produktif (KAP) dan likuiditas terhadap kinerja keuangan. Jurnal Ilmiah Stie Mdp, 3(1), 66-82.
Firmansyah, D. (2022). Teknik Pengambilan Sampel Umum dalam Metodologi Penelitian: Literature Review. Jurnal Ilmiah Pendidikan Holistik (JIPH), 1(2), 85-114.
Fatimah, S., & Hidayat, A. (2022). Tantangan Literasi Keuangan Syariah pada UMKM. Jurnal Studi Syariah, 12
Harahap, S. F., & Tirtayasa, S. (2020). Pengaruh Motivasi, Disiplin, Dan Kepuasan Kerja Terhadap Kinerja Karyawan Di PT. Angkasa Pura II (Persero) Kantor Cabang Kualanamu. Maneggio: Jurnal Ilmiah Magister Manajemen, 3(1), 120-135.
Lenaini, I. (2021). Teknik pengambilan sampel purposive dan snowball sampling. Historis: Jurnal Kajian, Penelitian dan Pengembangan Pendidikan Sejarah, 6(1), 33-39.
Lnu, S. (2020). Sumber Data Dan Metode Analisis.
Lukman, F., et al. (2023). Pengaruh Pembiayaan Syariah terhadap Pertumbuhan UMKM. Jurnal Keuangan Islam, 8
Mulyadi, M. (2014). Penelitian kuantitatif dan kualitatif serta pemikiran dasar menggabungkannya. Jurnal studi komunikasi dan media, 15(1), 128-137.
Maulana, I., & Fitri, R. (2020). Faktor Pendorong Penggunaan Pembiayaan Syariah oleh UMKM. Jurnal Bisnis Islam, 10
Mulazid, A. S. (2016). Kedudukan Sistem Pegadaian Syariah. Prenada Media.
Mokodenseho, S., & Puspitaningrum, T. L. (2022). Relasi sosial-ekonomi dan kekuasaan antara rentenir dan pedagang pasar tradisional di jawa tengah. Politika: Jurnal Ilmu Politik, 13(1), 41-58.
Mania, S. (2018). Observasi sebagai alat evaluasi dalam dunia pendidikan dan pengajaran. Lentera Pendidikan: Jurnal Ilmu Tarbiyah Dan Keguruan, 11(2), 220-233.
Prasetyo, E. (2017). Sistem informasi dokumentasi dan kearsipan berbasis client-server pada bank Sumsel babel cabang Sekayu. Jurnal TIPS: Jurnal Teknologi Informasi dan Komputer Politeknik Sekayu, 7(2), 1-10.
Sudarsono, B. (2017). Memahami dokumentasi. Acarya pustaka: jurnal ilmiah perpustakaan dan informasi, 3(1), 47-65.
Usman, H., & Akbar, P. S. (2020). Pengantar Statistika (Edisi Ketiga): Cara Mudah Memahami Statistika. Bumi Aksara.
Zulfa, M. (2019). Analisis Persepsi Masyarakat Industri Kecil Terhadap Pelaksanaan Pembiayaan Bagi Hasil Bank Riau Kepri Cabang Syariah Pekanbaru. Jurnal Tabarru': Islamic Banking and Finance, 2(1), 1-11.
Zulfa, M., & Arif, M. (2020). Potensi Wakaf Tunai Dalam Mendorong Pengembangan UMKM Di Kota Pekanbaru. Jurnal Tabarru': Islamic Banking and Finance, 3(2), 173-184.
Yuniwati, N., Lestari, E. D., & Alfiqoh, A. (2021). Pegadaian Syariah: Penerapan Akad Rahn Pada Pegadaian Syariah. An-Nisbah: Jurnal Perbankan Syariah, 2(2), 189-199
