Jurnal Ekonomi dan Perbankan Syariah
Vol 9, No 2 (2021): Journal of Islamic Economics and Banking

Factors Affecting Small and Medium Micro Enterprises (Msmes) in Taking Business Capital Financing in Peer to Peer Lending Institutions Sharia Qazwa.Id

Muhammad Sayyid Farras (Sekolah Tinggi Ekonomi Islam (STEI) SEBI)
Rachmat Risky Kurniawan (Sekolah Tinggi Ekonomi Islam (STEI) SEBI)
Muhammad Isman almaududi (Sekolah Tinggi Ekonomi Islam (STEI) SEBI)

Article Info

Publish Date
30 Oct 2021

Abstract

This study aims to determine what factors influence MSMEs in taking business capital financing at a sharia financing institution, peer to peer lending namely qazwa.id. This study uses a descriptive qualitative method with a non-probability namely sampling technique, purposive sampling. The results of this study indicate that there are three factors that influence MSMEs in taking business capital financing in qazwa, namely easy and fast access to financing, margins and the sharia system. Among these three factors, the factor that greatly influences MSMEs in taking business capital financing at qazwa is the sharia system used by qazwa, namely mudharabah and murabahah contracts as evidenced by the results of interviews the majority of 4 out of 10 respondents chose it.

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Journal Info
Jurnal Ekonomi dan Perbankan Syariah
Website

Abbrev

jeps

Publisher

Sekolah tinggi ekonomi islam SEBI

Subject

Economics, Econometrics & Finance Social Sciences

Description

Jurnal Ekonomi dan Perbankan Syariah is a scholarly journal published by Islamic Banking Department, School of Islamic Economics STEI SEBI The JEPS journal has been issued since 2013 and it’s have published twice in a year in April and October. The journal has been publishing scholarly papers ...