Do Internal Factors of MSMEs Matter in Islamic Bank Financing Decision?

Authors

  • Naila Najihah Department of Accounting, Faculty of Economics, Universitas Islam Sultan Agung, Indonesia, Jl. Kaligawe Raya, KM. 4, Terboyo Kulon, Kec. Genuk, Kota Semarang, Jawa Tengah 50112
  • Devi Permatasari Department of Accounting, Faculty of Economics, Universitas Islam Sultan Agung, Indonesia, Jl. Kaligawe Raya, KM. 4, Terboyo Kulon, Kec. Genuk, Kota Semarang, Jawa Tengah 50112

DOI:

https://doi.org/10.22219/jes.v6i2.15693

Abstract

The existence of an Islamic bank is expected to play a role in increasing and equalizing the economy, including in supporting the growth of MSMEs. Therefore, it is important to know the character of MSMEs in determining Islamic financing. This study aims to examine the effect of the MSME's firm age (calculated from firm incorporation), firm size (as measured by asset ownership) and the level of religiosity of MSME managers in Islamic banks' financing decisions. This study is quantitatif by nature, and the sample of this study comprised 147 MSMEs. Based on the regression analysis, the results found that the firm size is not proven to be influential. Meanwhile, the firm age had a negative effect and the level of religiosity had a significant positive effect on Islamic bank financing decisions. The results of this study contribute to enriching a clear understanding through empirical evidence about how internal factors of MSMEs can influence their behavior in making financing decisions from Islamic bank.

Downloads

Download data is not yet available.

Downloads

Published

2021-08-08 — Updated on 2021-05-08

Versions

How to Cite

Najihah, N., & Permatasari , D. . (2021). Do Internal Factors of MSMEs Matter in Islamic Bank Financing Decision?. Falah: Jurnal Ekonomi Syariah, 6(2), 1–14. https://doi.org/10.22219/jes.v6i2.15693 (Original work published August 8, 2021)

Issue

Vol. 6 No. 2 (2021): AUGUST 2021

Section

Journal Article

License

Copyright (c) 2021 Copyright of content is for the author, and copyright for publishing is for publisher

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).


    Creative Commons License
    This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.