Muhammad Alfarizi|Ngatindriatun
Determination of the Intention of MSMEs Owners Using Sharia Cooperatives in Improving Indonesian Islamic Economic Empowerment
Binus University|Binus University
abstrak penurunan profit bisnis kecil akibat implikasi ekonomi pasca pandemi covid19 persoalan struktur permodalan menjadi kendala dalam mempertahankan dan meningkatkan usahanya secara terus menerus seiring kerubahan zaman koperasi syariah sebagai salah satu lembaga keuangan islam yang keislaman lebih dekat secara eksistensi maupun teritorial dengan masyarakat tingkat bawah sehingga menjadi alternatif pengembangan usaha masyarakat secara syariah sesuai persyaratan yang diberikan studi ini bertujuan untuk untuk menganalisis pengaruh literasi keuangan syariah dalam sikap pengaruh sosial dan selfefficacy terhadap perilaku pemanfaatan produk koperasi syariah di indonesia studi kuantitatif survey online dengan melibatkan 280 calon anggota koperasi syariah yang membutuhkan pembiayaan dan merupakan pemilik umkm dijalankan dengan teknik analisis sem pls hasil studi menunjukkan pengaruh literasi keuangan terhadap sikap pengaruh sosial dan selfefficacy lalu dilanjutkan arah jalur dukungan hipotesis terhadap niat untuk memilih koperasi syariah sebagai solusi kebutuhan finansial umkm ditemukan strategi manajerial khususnya pemasaran dikembangkan dengan mempertimbangkan efek sikap positif pengaruh sosial dan efikasi diri calon anggota sebagai pemilik bisnis atau produk keuangan syariah yang akan mereka tawarkan kepada pelanggan mereka akan berkontribusi pada pertumbuhan sektor umkm khususnya umkm generasi millenial dan umkm hijau di indonesia melalui upaya promosi dan kerjasama kata kunci ase model ekonomi islam koperasi syariah pemberdayaan umkm abstract decline small business profits due postcovid19 pandemic economy issue capital structure obstacle maintaining increasing development continuously line changing times sharia cooperatives one islamic financial institutions closer existence territorially lower level society become alternative community business development accordance requirements given study aims analyze effect islamic financial literacy attitudes social influence selfefficacy application islamic cooperative products indonesia quantitative study online surveys involving 280 prospective members islamic cooperatives need financing msme owners carried pls sem analysis technique results study show effect financial literacy attitudes social influence selfefficacy choosing direction hypothesis support intention find islamic cooperatives solution financial needs msmes managerial strategies especially marketing developed taking account effects positive attitudes social influence selfefficacy prospective members owners islamic financial products offer customers increase growth msme sector especially millennial generation msmes green msmes indonesia promotional efforts cooperation keywords ase model islamic economics sharia cooperatives empowerment msmes references abourrig 2021 social influence predicting islamic banking acceptance evidence morocco international journal accounting finance auditing 22 4256 httpsdoiorg105281zenodo4641472 ajzen 1991a theory planned behavior organizational behavior human decision processes 502 179211 httpsdoiorg101016074959789190020t ajzen 1991b theory planned behavior organizational behavior human decision processes 502 179211 httpsdoiorg101016074959789190020t alawlaqi amp aamer 2022a islamic financial literacy islamic banks selection exploratory study using multiple correspondence analysis banks small business customers international journal emerging markets httpsdoiorg101108ijoem0920211354 alawlaqi amp aamer 2022b islamic financial literacy islamic banks selection exploratory study using multiple correspondence analysis banks small business customers international journal emerging markets httpsdoiorg101108ijoem0920211354 albaity amp rahman 2019 intention use islamic banking exploratory study measure islamic financial literacy international journal emerging markets 145 9881012 httpsdoiorg101108ijoem0520180218 albashir w zainuddin krupasindhu panigrahi amp pahang 2018 acceptance islamic banking products libya theory planned behavior approach international journal economics financial issues 83 105111 ali h 2019 purchase decision repurchase models product quality process analysis case study house ownership credit financing permata sharia bank jakarta scholars bulletin 0509 526535 httpsdoiorg1036348sb2019v05i09006 atal n u iranmanesh hashim f amp foroughi b 2022 drivers intention use murabaha financing religiosity moderator journal islamic marketing 133 740762 httpsdoiorg101108jima0720190147 berakon aji h amp hafizi r 2022 impact digital sharia banking systems cashwaqf among indonesian muslim youth journal islamic marketing 137 15511573 httpsdoiorg101108jima1120200337 budiono 2017 penerapan prinsip syariah pada lembaga keuangan syariah law justice 21 5465 httpsdoiorg1023917lajv2i14337 cristea amp gheorghiu 2016 attitude perceived behavioral control intention adopt risky behaviors transportation research part f traffic psychology behaviour 43 157165 httpsdoiorg101016jtrf201610004 daradkah aldaher amp shinaq h r 2020 islamic financial literacy evidence jordan transition studies review 272 109123 httpsdoiorg101466516144007272009 de vries h amp mudde n 1998a predicting stage transitions smoking cessation applying attitudesocial influenceefficacy model psychology health 132 369385 httpsdoiorg10108008870449808406757 de vries h amp mudde n 1998b predicting stage transitions smoking cessation applying attitudesocial influenceefficacy model psychology health 132 369385 httpsdoiorg10108008870449808406757 dewi k amp ferdian r 2021 enhancing islamic financial literacy communitybased workshops transtheoretical model journal islamic accounting business research 125 729747 httpsdoiorg101108jiabr0820200261 dietrich kuester k mller g j amp schoenle r 2022 news uncertainty covid19 survey evidence shortrun economic impact journal monetary economics 129 s35s51 httpsdoiorg101016jjmoneco202202004 duong amp duc le n 2021 plssem approach measuring impact influencing factors users perceived security trust epayment case rural areas vietnam international journal scientific research publications ijsrp 114 357364 httpsdoiorg1029322ijsrp11042021p11249 dwi hernanik n amp pratikto h 2022 religiusity bank products relationship decision making micro small medium business funding pt bank muamalat indonesia international journal science technology amp management 34 12021210 httpsdoiorg1046729ijstmv3i4532 etikan 2016 comparison convenience sampling purposive sampling american journal theoretical applied statistics 51 1 httpsdoiorg1011648jajtas2016050111 farrell l fry r l amp risse l 2016 significance financial selfefficacy explaining womens personal finance behaviour journal economic psychology 54 8599 httpsdoiorg101016jjoep201507001 fauzi r u saputra amp ningrum p 2022 effect religiosity profit loss sharing promotion consumer intention financing islamic bank toward trust intervening variable jurnal studi ekonomi dan bisnis islam 81 114 fessler p silgoner amp weber r 2020 financial knowledge attitude behavior evidence austrian survey financial literacy empirica 474 929947 httpsdoiorg101007s10663019094652 firdaus 2022 pemberdayaan pesantren melalui pendirian koperasi syariah dalam meningkatkan ekonomi masyarakat empowering islamic boarding school establishment sharia cooperatives imroving economy community koperasi simpan pinjam pembiayaan syariah almujtamae jurnal pengabdian masyarakat 21 2936 httpsdoiorg1030997almujtamaev2i12952 gijsbers b mesters knottnerus j amp van schayck c p 2006a factors associated initiation breastfeeding asthmatic families attitudesocial influenceselfefficacy model breastfeeding medicine 14 236246 httpsdoiorg101089bfm20061236 gijsbers b mesters knottnerus j amp van schayck c p 2006b factors associated initiation breastfeeding asthmatic families attitudesocial influenceselfefficacy model breastfeeding medicine 14 236246 httpsdoiorg101089bfm20061236 hair j f risher j j sarstedt amp ringle c 2019 use report results plssem european business review 311 224 httpsdoiorg101108ebr1120180203 hair j hollingsworth c l randolph b amp chong l 2017 updated expanded assessment plssem information systems research industrial management data systems 1173 442458 httpsdoiorg101108imds0420160130 hair jr j f matthews l matthews r l amp sarstedt 2017 plssem cbsem updated guidelines method use international journal multivariate data analysis 12 107 httpsdoiorg101504ijmda201710008574 hakim l amp kurnia 2022 tafsir riba di media sosial perspektif roy shakti dan arli kurnia ekoma jurnal ekonomi manajemen akuntansi 12 312325 hartono h amp ardini r 2022 effect opportunity recognition organization capability sme performance indonesia moderated business model innovation winners 231 3541 httpsdoiorg1021512twv23i16932 hasanah u amp lubis 2022 penerapan asas kebebasan berkontrak dalam akad pembiayaan mudharabah pada bank syariah indonesia kantor cabang pembantu asahan taqmin jurnal syariah dan hukum 111 8192 httpsdoiorg1037893jbhv11i1683 hayati r 2019 strategi bank syariah dalam meningkatkan literasi keuangan syariah pada masyarakat studi kasus pada bprs madina mandiri sejahtera jesi jurnal ekonomi syariah indonesia 82 129 httpsdoiorg1021927jesi201882129137 hendrik iwan dedi amp zaki b 2018 evidence indonesia true mudharabah financing micro business financing high risk sharia banking business rjoas 6june 197205 hikmawati amp muharam h 2022 capital market response information content announcement indonesia entering recession 2020 free recession 2021 covid19 pandemic budapest international research critics institute bircijournal humanities social sciences 52 1601916027 httpsdoiorghttpsdoiorg1033258birciv5i25518 16019 hoque n rahman k said j begum f amp hossain 2022 factors influence customer attitudes mindsets towards use services products islamic banks bangladesh sustainability switzerland 148 httpsdoiorg103390su14084703 hutomo mukti h 2020 development indonesian sharia banks malaysia comparation method study history products legal assets lambung mangkurat law journal 51 75 httpsdoiorg1032801lamlajv5i1140 im hong amp kang 2011 international comparison technology adoption testing utaut model information amp management 481 18 httpsdoiorg101016jim201009001 irwansyah amp alam p 2022 analisis penggunaan akad pada produk pembiayaan multijasa pada pt bank sumut syariah kcp stabat jurna islahiyah 1 izuma k 2017 neural bases social influence valuation behavior decision neuroscience integrative perspective pp 199209 academic press httpsdoiorg101016b9780128053089000166 jaffar amp musa r 2014 determinants attitude towards islamic financing among halalcertified micro smes preliminary investigation procedia social behavioral sciences 130 135144 httpsdoiorg101016jsbspro201404017 jaffar amp musa r 2016 determinants attitude intention towards islamic financing adoption among nonusers fifth international conference marketing retailing 3716 227233 httpsdoiorg101016s2212567116301186 khairi amp baridwan z 2015 empirical study organizational acceptance accounting information systems sharia banking international journal accounting business society 231 19 httpsdoiorg101109hicss2000926665 lechner l amp de vries h 1995a starting participation employee fitness program attitudes social influence selfefficacy preventive medicine 246 627633 httpsdoiorg101006pmed19951098 lechner l amp de vries h 1995b starting participation employee fitness program attitudes social influence selfefficacy preventive medicine 246 627633 httpsdoiorg101006pmed19951098 leguina 2015 primer partial least squares structural equation modeling plssem international journal research amp method education 382 220221 httpsdoiorg1010801743727x20151005806 madeira c amp margaretic p 2022 impact financial literacy quality selfreported financial information journal behavioral experimental finance 34 100660 httpsdoiorg101016jjbef2022100660 mamman ogunbado f amp abubakr 2016 factors influencing customers behavioral intention adopt islamic banking northern nigeria proposed framework journal economics finance 71 5155 httpsdoiorg109790593307135155 mardian 2019 tingkat kepatuhan syariah di lembaga keuangan syariah jurnal akuntansi dan keuangan islam 31 5768 httpsdoiorg1035836jakisv3i141 memon r cheah jh ting h chuah f amp cham h 2021 plssem statistical programs review journal applied structural equation modeling 51 ixiv httpsdoiorg1047263jasem5106 mindra r bananuka j kaawaase namaganda r amp teko j 2022 attitude islamic banking adoption moderating effects pricing conventional bank products social influence journal islamic accounting business research 133 534567 httpsdoiorg101108jiabr0220210068 mirzaei amp buer 2022 first results financial literacy oman managerial finance 482 117 httpsdoiorg101108mf0920210456 mukti shohiha garbo amp latifah 2022a effect sharia financial literacy decision use service products sharia pawn yogyakarta 3rd international conference advance amp scientific innovation icasi volume 2022 research 20221 273284 httpsdoiorg1018502kssv7i1011365 mukti shohiha garbo amp latifah 2022b effect sharia financial literacy decision use service products sharia pawn yogyakarta 3rd international conference advance amp scientific innovation icasi volume 2022 research 20221 273284 httpsdoiorg1018502kssv7i1011365 nimfa abdul wahab shaharudin abdul latiff amp abd wahab 2021 theories underlying sustainable growth small medium enterprises african journal emerging issues ajoei online issn 3 4366 nugroho p hidayat amp kusuma h 2017a influence religiosity selfefficacy saving behavior islamic banks banks bank systems 123 3547 httpsdoiorg1021511bbs123201703 nugroho p hidayat amp kusuma h 2017b influence religiosity selfefficacy saving behavior islamic banks banks bank systems 123 3547 httpsdoiorg1021511bbs123201703 ouachani belhassine amp kammoun 2021 measuring financial literacy literature review managerial finance 472 266281 httpsdoiorg101108mf0420190175 purwantini h noor athief f h amp waharini f 2020 indonesian consumers intention adopting islamic financial technology services shirkah journal economics business 52 171 httpsdoiorg1022515shirkahv5i2304 purwanto amp sudargini 2021 partial least squares structural equation modeling plssem analysis social management research literature review journal industrial engineering amp management research 24 114123 rahman tajudin amp tajuddin f 2018a determinant factors islamic financial literacy malaysia american journal humanities social sciences research 210 125132 rahman tajudin amp tajuddin f 2018b determinant factors islamic financial literacy malaysia american journal humanities social sciences research 210 125132 rai n amp thapa b 2015 study purposive sampling method research kathmandu publisher 1st ed kathmandu school law rasheed r amp siddiqui h 2022 smes behavioral intention towards usage financial products comparative study islamic conventional banks pakistan sustainable business society emerging countries 41 141150 razak amp abduh 2012a customers attitude towards diminishing partnership home financing islamic banking american journal applied sciences 94 593599 razak amp abduh 2012b customers attitude towards diminishing partnership home financing islamic banking american journal applied sciences 94 593599 rigdon e e sarstedt amp ringle c 2017 comparing results cbsem plssem five perspectives five recommendations marketing zfp 393 416 httpsdoiorg101535803441369201734 rini e e 2022 pengaruh promosi penerapan prinsip syariah dan bagi hasil terhadap keputusan menjadi bank bni syariah cabang pasuruan annisbah jurnal perbankan syariah 331 112 rokhman w amp abduh 2020 antecedents smes satisfaction loyalty towards islamic microfinance evidence central java indonesia journal islamic marketing 116 13271338 httpsdoiorg101108jima0520180090 safei 2012 koperasi syariah tinjauan terhadap kedudukan dan peranannya dalam pemberdayaan ekonomi kerakyatan media syariah 141 3962 sarstedt hair j f cheah j h becker j amp ringle c 2019 specify estimate validate higherorder constructs plssem australasian marketing journal 273 197211 httpsdoiorg101016jausmj201905003 saygl durmukaya sttemiz n amp ersoy 2022a determining intention choose islamic financial products using attitudesocial influenceselfefficacy ase model case turkey international journal islamic middle eastern finance management httpsdoiorg101108imefm1120200569 saygl durmukaya sttemiz n amp ersoy 2022b determining intention choose islamic financial products using attitudesocial influenceselfefficacy ase model case turkey international journal islamic middle eastern finance management httpsdoiorg101108imefm1120200569 sevriana l febrian e anwar amp ahmad faisal 2022 proposition implement inclusive islamic financial planning indonesia bibliometric analysis journal islamic accounting business research httpsdoiorg101108jiabr0120220022 shabrina z yuliati l n amp simanjuntak 2018 effects religiosity pricing corporate image attitude intention use sharia micro financing indonesian journal business entrepreneurship 42 197206 httpsdoiorg1017358ijbe42197 sitepu c f amp hasyim h 2018 perkembangan ekonomi koperasi di indonesia niagawan 72 5968 httpsdoiorg1024114niagav7i210751 srisusilawati p malik z silviany amp eprianti n 2021 roles selfefficacy sharia financial literacy smes performance business model intermediate variable f1000research 10may 1310 httpsdoiorg1012688f1000research760011 sumiyati januarita r ramli amp yusdiansyah e 2021a konstruksi hukum terhadap penetapan bunga tinggi pada investasi yang diselenggarakan koperasi simpan pinjam jurnal magister hukum udayana udayana master law journal 102 385 httpsdoiorg1024843jmhu2021v10i02p14 sumiyati januarita r ramli amp yusdiansyah e 2021b konstruksi hukum terhadap penetapan bunga tinggi pada investasi yang diselenggarakan koperasi simpan pinjam jurnal magister hukum udayana udayana master law journal 102 385 httpsdoiorg1024843jmhu2021v10i02p14 syamsiyah n syahrir amp susanto 2019 peran koperasi syariah baitul tamwil muhammadiyah terhadap pemberdayaan usaha kecil dan menengah di bandar lampung al amin jurnal kajian ilmu dan budaya islam 21 6373 httpsdoiorg1036670alaminv2i117 takidah e amp kassim 2021 determinants islamic financial inclusion indonesia demandside analysis journal islamic finance 102 3852 venkatesh v 2022 adoption use ai tools research agenda grounded utaut annals operations research 30812 641652 httpsdoiorg101007s10479020039189 vidia khairunnisa b amp hendratmi 2019 influence product knowledge attitude towards intention mudharabah funding products sharia banks mataram kne social sciences 313 663 httpsdoiorg1018502kssv3i134239 widityani f faturohman rahadi r amp yulianti 2020 sociodemographic characteristics islamic financial literacy matter selecting islamic financial products among college students indonesia journal islamic monetary economics finance 61 5176 httpsdoiorg1021098jimfv6i11057 yuniar talli h amp kurniati k 2021 bisnis koperasi syariah di indonesia alazhar journal islamic economics 32 7988 httpsdoiorg1037146ajiev3i2103 zaman z mehmood b aftab r shahid amp ameen 2017 role islamic financial literacy adoption islamic banking services empirical evidence lahore pakistan journal islamic business management jibm 72 230247 httpsdoiorg1026501jibm20170702006 ziky amp daouah r 2019 exploring small medium enterprises perceptions towards islamic banking products morocco international journal economics finance 1110 106 httpsdoiorg105539ijefv11n10p106