THE ROLE OF ISLAMIC BANKING AND E-COMMERCE FOR THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTREPRENEUR BUSINESSES

Lucky Nugroho; Erik Nugraha

EN

THE ROLE OF ISLAMIC BANKING AND E-COMMERCE FOR THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTREPRENEUR BUSINESSES

Abstract

The growth of online business transactions and people's behavior in the digital era has had an impact on bank business. The Islamic banking industry is one industry that is currently experiencing rapid development in Indonesia. Also, the micro, small, and medium business sector (MSMEs) is the backbone of Indonesia's economic growth. Therefore the purpose of this study is to (i) analyze the influence of Islamic banking services on business improvement from MSMEs, (ii) analyze the effect of e-commerce on business improvement from MSMEs, and (iii) analyze the influence of Islamic banks and e-commerce on business improvement from MSMEs. The research method used is quantitative statistical software version 18 with multiple linear regression statistical methods. The results of this study are Islamic banks have a significant effect on increasing MSMEs business, and e-commerce has an insignificant impact on increasing MSMEs’ business. However, e-commerce is an added value of Islamic bank services in improving MSMEs’ business. The contribution of this research is to provide information, both to practitioners of Islamic banks and stakeholders related to the needs of the community, primarily entrepreneurs in the MSMEs segment for digital services that can facilitate them with online business transactions.

Keywords

Business Enhancement , E-Commerce , Islamic Bank , MSMEs

Kaynakça

Adrian, M. A. (2018). Empowerment Strategies of Micro, Small, Medium Enterprises ( MSMEs ) to Improve Indonesia Export Performance. International Journal of Economics, Business and Accounting Research (IJEBAR), 2(4), 50-60.
Ahmed, H. (2004). Frontiers of Islamic Banking: A Synthesis of Social Role and Micro finance Forthcoming in The European Journal of Management and Public Policy Frontiers of Islamic Banking: A Synthesis of Social Role and Microfinance. In Munawar Iqbal Islamic Banking in Practice 10 Said M. Elfakhani, Yusuf M. Sidani and Omar A. Fahel An Assessment of the Performance of Islamic Mutual Funds 39 Obiyathulla Ismath Bacha Value Preservation through Risk Management A Shariah Compliant Proposal (pp. 1-118).
Akhter, W., Akhtar, N., & Jaffri, S. K. A. (2009). Islamic Micro-Finance and Poverty Alleviation: A Case of Pakistan. In Proceedings 2nd CBRC (pp. 1-8). Lahore, Pakistan.
Alamsyah, H. (2012). Perkembangan dan Prospek Perbankan Syariah Indonesia: Tantangan Dalam Menyongsong MEA 2015. Milad Ke-8 Ikatan Ahli Ekonomi Islam (IAEI), (April 2012), 1-8.
Amah, N. (2013). Bank Syariah dan UMKM dalam Menggerakkan Roda Perekonomian Indonesia: Suatu Kajian Literatur. ASSETS: Jurnal Akuntansi Dan Pendidikan, 2(21), 48-54.
Asutay, M. (2012). Frontier of Islamic Economics and Finance : New Challenges Conceptualising and Locating the Social Failure of Islamic Finance : Aspirations of Islamic Moral Economy vs the Realities of Islamic Finance. Asian and African Area Studies, 11(2), 93-113.
Ayyagari, M., Demirguc-Kunt, A., & Maksimovic, V. (2011). Contribution to Employment, Job Creation, and Growth. Retrieved from http://econ.worldbank.org.
Beck, T., & Demirguc-Kunt, A. (2006). Small and medium-size enterprises: Access to finance as a growth constraint. Journal of Banking and Finance, 30(11), 2931-2943. https://doi.org/10.1016/j.jbankfin.2006.05.009
Casolaro, L., & Gobbi, G. (2007). Information Technology and Productivity Changes in the Banking Industry. Economic Notes, 36(1), 43-76. https://doi.org/10.1016/0305-0483(84)90018-5
Chapra, M. U. (1993). Islam and economic development. Islamabad, Pakistan: Islamic Research Institute (IRTI).

Chapra, M. U. (2007). Ibn Khaldun’s theory of development: Does it help explain the low performance of the present-day Muslim world? The Journal of Socio-Economics, 37(2), 836-863. https://doi.org/10.1016/j.socec.2006.12.051
Chiou, J., & Shen, C. (2012). The antecedents of online financial service adoption : the impact of physical banking services on Internet banking acceptance. Behaviour & Information Technology, 31(9), 859-871.
Choudhury, M. A. (2010). Islamic Perspective of Socioeconomic Development. Journal of Islamic Economics, Banking and Finance, 6(3), 37-54.
Choudhury, M. A., & Hoque, M. Z. (2013). Corporate governance in Islamic perspective. International Journal of Islamic and Middle Eastern Finance and Management, 6(3), 180-199. https://doi.org/10.1108/14720700610655132
Dusuki, A. W., & Abdullah, N. I. (2007). Why do Malaysian customers patronise Islamic banks? International Journal of Bank Marketing, 25(3), 142-160. https://doi.org/10.1108/02652320710739850
Elmelki, A., & Mounira, B. A. (2009). Ethical Investment and the Social Responsibilities of the Islamic Banks. International Business Research, 2(2), 123-130. https://doi.org/10.5539/ibr.v2n2p123
Ferawati, R., & Solihin, M. (2017). Kontribusi Bank Syariah Mandiri Cabang Jambi dalam Pembiayaan UMKM di Kota Jambi. Nur El-Islam, 4(2), 188-209.
Gunasekaran, A., Marri, H. B., Mcgaughey, R. E., & Nebhwani, M. D. (2002). E-commerce and its impact on operations management. Int. J. Production Economics, 75(1-2), 185-197.
Haryanti, D. M., & Hidayah, I. (2019). Potret UMKM Indonesia: Si Kecil yang Berperan Besar | UKM Indonesia. Retrieved January 16, 2020, from https://www.ukmindonesia.id/baca-artikel/62
Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2019). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(03), 326-333.
Hutagalung, M. A. K., Fitri, R., & Ritonga, S. R. W. (2019). Generasi Muslim Milenial dan Wirausaha. In Seminar Nasional Hasil Pengabdian Kepada Masyarakat 2019 (pp. 300-304). STMIK Pontianak, 29 Juli 2019.
Joyce, D. (2015). Internet freedom and human rights. European Journal of International Law, 26(2), 493-514. https://doi.org/10.1093/ejil/chv021
Kara, M. (2013). Konstribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) di Kota Makassar. Asy-Syir’ah Jurnal Ilmu Syari’ah Dan Hukum, 47(1), 269-302.
Kasyfi, H. (2018). APJII: Penetrasi Pengguna Internet Indonesia Capai 143 Juta Orang | Dailysocial. Retrieved January 25, 2020, from https://dailysocial.id/post/apjii-survei-internet-indonesia-2017
Kholis, N. (2018). Perbankan dalam era baru digital. Economicus, 9(1), 80-88.
Makarim, E. (2014). Kerangka Kebijakan Dan Reformasi Hukum Untuk Kelancaran Perdagangan Secara Elektronik (E-Commerce) Di Indonesia. Jurnal Hukum & Pembangunan, 44(3), 314. https://doi.org/10.21143/jhp.vol44.no3.25
Mckay, R. (2001). Women entrepreneurs: Moving beyond family and flexibility. International Journal of Entrepreneurial Behaviour & Research, 7(4), 148-165. https://doi.org/10.1108/EUM0000000005764
Musfiroh, M. F. S., Sabrina, L., & Wuragil, S. (2017). Kontribusi Perbankan Syariah Terhadap Perkembangan UMKM di Kecamatan Banjarnegara. Manarul Qur’an: Jurnal Ilmiah Studi Islam, 17(1), 136-158.
Nugroho, L. (2014). Role of Government Support to Micro Financing in Islamic Bank for Clean Water Connection to Low-Income Communities. Research Journal of Finance and Accounting, 5(4), 57-63.
Nugroho, L. (2020). Bank Syariah dan Dinamika Financial Technology (Fintek) Pada Era Revolusi Industri 4.0. In Eksistensi Bisnis Islami di Era Revolusi Industri 4.0 (pp. 153-181). Widina.
Nugroho, L., & Ali, A. J. (2020). E-Commerce to Improve Homemaker Productivity (Women Entrepreneur Empowerment at Meruya Utara, Kembangan District, West Jakarta, Indonesia). Amalee: Indonesian Journal of Community Research & Engagement, 1(01), 13-24.
Nugroho, L., Hidayah, N., Ali, A. J., & Badawi, A. (2020). E-Commerce to Improve Homemaker Productivity (Women Entrepreneur Empowerment at Meruya Utara, Kembangan District, West Jakarta, Indonesia). Amalee: Indonesian Journal of Community Research & Engagement, 1(01), 13-24.
Nugroho, L., Hidayah, N., & Badawi, A. (2018). The Islamic Banking, Asset Quality: “Does Financing Segmentation Matters” (Indonesia Evidence). Mediterranean Journal of Social Sciences, 9(5), 221-235. https://doi.org/10.2478/mjss-2018-0154
Nugroho, L., & Husnadi, T. C. (2014). State-Owned Islamic Bank (BUMN) in Realizing The Benefit of Ummah (Maslahah) and Indonesia as Islamic Financial Center in The World. In Proceedings in 11th International Research Conference on Quality, Innovation and Knowledge Management. Bandung. (pp. 1-21).
Nugroho, L., Husnadi, T. C., Utami, W., & Hidayah, N. (2017). Maslahah and Strategy to Establish A Single State-Owned Islamic Bank in Indonesia. Tazkia Islamic Finance and Business Review, 10(1), 17-33. Retrieved from http://www.tifbr-tazkia.org/index.php/TIFBR/article/view/97/106
Nugroho, L., & Tamala, D. (2018). Persepsi Pengusaha UMKM Terhadap Peran Bank Syariah. Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan), 3(1), 49-62.
Nugroho, L., Utami, W., & Doktoralina, C. M. (2019). Ekosistem Bisnis Wisata Halal dalam Perspektif Maqasid Syariah (Halal Tourism Business Ecosystem in the Maqasid Syariah Perspective). Perisai : Islamic Banking and Finance Journal, 3(2), 84-92. https://doi.org/10.21070/perisai.v3i2.1964
Nugroho, L., Utami, W., Sukmadilaga, C., & Fitrijanti, T. (2017). The Urgency of Allignment Islamic Bank to Increasing the Outreach (Indonesia Evidence). International Journal of Economics and Financial Issues, 7(4), 283-291.
Nugroho, L., Wiwik, U., Citra, S., & Tettet, F. (2017). The Urgency of Allignment Islamic Bank to Increasing the Outreach. International Journal of Economics and Financial Issues, 7(4), 283-291. Retrieved from https://www.econjournals.com/index.php/ijefi/article/view/4493/pdf
Otoritas Jasa Keuangan/OJK. (2019). Penyelenggara Fintech Terdaftar dan Berizin di OJK per 31 Mei 2019. Retrieved January 26, 2020, from https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Penyelenggara-Fintech-Terdaftar-dan-Berizin-di-OJK-per-31-Mei-2019.aspx
Palladan, A. A., & Adamu, A. M. (2019). Toward Mitigating Graduate Unemployment for Political Stability: The Role Electronic Commerce Technology. A PLS Approach. Cross Current Int J Econ Manag Media Stud, 1(1), 22-29. Retrieved from https://www.researchgate.net/publication/330985931
Pratiwi, A. (2016). Islamic banking contribution in sustainable socioeconomic development in Indonesia: An epistemological approach. Humanomics, 32(2), 98-120. https://doi.org/10.1108/H-12-2015-0085
Rifa, B. (2013). Efektivitas Pemberdayaan Usaha Mikro Kecil dan Menengah (UMKM) Krupuk Ikan dalam Program Pengembangan Labsite Pemberdayaan Masyarakat Desa Kedung Rejo Kecamatan Jabon Kabupaten Sidoarjo. Kebijakan Dan Manajemen Publik, 1(1), 130-136.
Rohana, A. (2020). Kondisi Ekonomi Digital Global dan Nasion. Retrieved January 26, 2020, from https://www.depokpos.com/2020/01/kondisi-ekonomi-digital-global-dan-nasional/
Rosyidi, K. (2018). Community Based E-Marketing: Pemasaran Online Berbasis Komunitas bagi IKM Minapolitan Patuguran Rejoso Pasuruan. SOEROPATI, 1(1), 93-102.
Suci, Y. R. (2017). Perkembangan UMKM (Usaha Mikro Kecil dan Menengah) di Indonesia. Jurnal Ilmiah Cano Ekonomos, 6(1), 51-58.
Sukmadilaga, C., & Nugroho, L. (2017). Pengantar Akuntansi Perbankan Syariah" Prinsip, Praktik dan Kinerja. Lampung, Indonesia: Pusaka Media.
Tedjasuksmana, B. (2015). Potret UMKM Indonesia Menghadapi Masyarakat Ekonomi ASEAN 2015. In The 7th NCFB and Doctoral Colloquium 2014 Towards a New Indonesia Business Architecture Sub Tema: “Business And Economic Transformation Towards AEC 2015” (pp. 189-202).
Vania, A. S., Nugraha, E., & Nugroho, L. (2018). Does Earning Management Happen in Islamic Bank? (Indonesia and Malaysia Comparison). International Journal of Commerce and Finance, 4(2), 47-59. Retrieved from https://databoks.katadata.co.id
Wajdi Dusuki, A. (2008). Banking for the poor: the role of Islamic babking in microfinance initiatives. Humanomics, 24(1), 49-66.
Widagdyo, K. G. (2015). Analisis Pasar Pariwisata Halal Indonesia. The Journal of Tauhidinomics, 1(1), 73-80.
Widiyanto, I., & Prasilowati, S. L. (2015). Perilaku Pembelian Melalui Internet. Jurnal Manajemen Dan Kewirausahaan (Journal of Management and Entrepreneurship), 17(2), 109-112. https://doi.org/10.9744/jmk.17.2.109-122
Yustati, H., & Handayani, D. L. (2017). Strategi Perbankan Syariah dalam Menyokong Indonesia Menjadi Trend Setter Industri Halal. Baabu Al-Ilmi, 2(1), 16-35.

Ayrıntılar

Birincil Dil

İngilizce

Konular

İşletme

Bölüm

Araştırma Makalesi

Yazarlar

Lucky Nugroho ^*
0000-0002-9613-1667
Indonesia

Erik Nugraha
0000-0002-0576-4662
Indonesia

Yayımlanma Tarihi

22 Haziran 2020

Gönderilme Tarihi

29 Ocak 2020

Kabul Tarihi

28 Nisan 2020

Yayımlandığı Sayı

Yıl 2020 Cilt: 3 Sayı: 1

IZ

https://izlik.org/JA92SY78DD

APA

Nugroho, L., & Nugraha, E. (2020). THE ROLE OF ISLAMIC BANKING AND E-COMMERCE FOR THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTREPRENEUR BUSINESSES. Business Economics and Management Research Journal, 3(1), 11-24. https://izlik.org/JA92SY78DD

Dergimize gönderilecek makalelerin aşağıda linki verilen şablon dosyasına göre hazırlanması gerekmektedir. Şablon dosyasını indirip üzerinde düzeltmeler de yapılabilir. Şablon dosyasına uygun olarak hazırlanmayan makaleler editör tarafından yazara iade edilir.

THE ROLE OF ISLAMIC BANKING AND E-COMMERCE FOR THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTREPRENEUR BUSINESSES

Öz

THE ROLE OF ISLAMIC BANKING AND E-COMMERCE FOR THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTREPRENEUR BUSINESSES

Abstract

Keywords

Kaynakça

Ayrıntılar

Birincil Dil

Konular

Bölüm

Yazarlar

Yayımlanma Tarihi

Gönderilme Tarihi

Kabul Tarihi

Yayımlandığı Sayı

IZ

Kaynak Göster

Makaleniz Türkçe ise Şablon için tıklayınız...

Makaleniz İngilizce ise Şablon için tıklayınız...