Do Word of Mouth and Religiosity Affect the Interest of MSME Actors in Sharia P2P Lending?
-
Syihabudin Syihabudin
*
Sultan Ageng Tirtayasa University, Banten,
Indonesia
- Najmudin Najmudin Sultan Ageng Tirtayasa University, Banten, Indonesia
- Ma'zumi Ma'zumi Sultan Ageng Tirtayasa University, Banten, Indonesia (*) Corresponding Author
Abstract
This study aims to determine (1). The influence of religiosity on the interest of MSME actors in Sharia peer to peer lending, (2). The influence of word of mouth on the interest of MSME actors in Sharia peer to peer lending, and (3). The influence of religiosity and word of mouth on the interest of MSME players in Sharia peer to peer lending. The object of this research is the SMEs in Banten province. The research method used is quantitative. Data collection techniques using a questionnaire in the form of a series or collection of questions that are arranged systematically in a list of questions, then sent to the respondent to be filled out. Questionnaires were distributed to 99 MSME actors in Banten Province. Data were analyzed using multiple linear regression methods through SPSS software version 23. The results of this study indicate that (1). Religiosity has a positive and significant effect on the interest of MSME actors in Sharia peer to peer lending. (2). Word of mouth has a negative and insignificant effect on the interest of MSME actors in sharia peer to peer lending, and (4). Word of mouth and religiosity have a positive and significant effect on the interest of MSME players in sharia peer to peer lending. The total contribution of the influence of religiosity, and Word of mouth on the interest in making loans at P2P Lending Syariah is 39.6 percent, while the rest is influenced by other variables not examined in this study.
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References
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Bachtiar, D. I. (2018). Analisis Pengaruh Diversifikasi Produk dan Harga terhadap Keputusan Pembelian pada UKM Gula Kelapa. Jurnal Ekonomi Dan Bisnis, 52–60.
Bungin, S. (2015). Metodologi Penelitian Sosial dan Ekonomi (Volume 2). Kencana.
Ferdindand. (2002). Structural Equation Modeling dalam Penelitian Manajemen (Edisi Revi). Badan Penelitian Universitas Diponegoro.
Fifaldyovan, M. I., & Supriyanta. (2021). Determinan Minat Penggunaan Fintech. Muara: Jurnal Manajemen Pelayaran Nasional, 4(2), 11–17.
Hamzah, Z., & Kurniawan, I. (2020). Pengaruh Pengetahuan Zakat Dan Kepercayaan Kepada Baznas Kabupaten Kuantan Singingi Terhadap Minat Muzakki Membayar Zakat. Jurnal Tabarru’: Islamic Banking and Finance, 3(1), 30–40. https://doi.org/10.25299/jtb.2020.vol3(1).5114
Ibnunas, B. G., & Harjawati, T. (2021). Pengaruh Religiusitas Terhadap Minat Pembelian Produk Halal. Jurnal Ilmiah Mahasiswa, 1(2), 85–100. https://doi.org/10.32493/jmw.v1i2.10105
Kominfo. (2021). Jadi Pendorong Ekonomi, Menkominfo: Fintech Perluas Jangkauan Ekonomi Digital. Kominfo.Go.Id. https://www.kominfo.go.id/content/detail/37256/siaran-pers-no-354hmkominfo092021-tentang-jadi-pendorong-ekonomi-menkominfo-fintech-perluas-jangkauan-ekonomi-digital/0/siaran_pers
Mansyuroh, F. A. (2020). Pengaruh Persepsi Dan Religiusitas Terhadap Pembelian Skin Care Tanpa Label Halal Pada Muslim Generasi Z di Banjarmasin. At-Taradhi: Jurnal Studi Ekonomi, 11(1), 46. https://doi.org/10.18592/at-taradhi.v11i1.3544
Meirina Resti Amelia, Farida Indriani, M. (2017). PENGARUH WORD OF MOUTH DAN SALES PROMOTION TERHADAP BRAND ATTITUDE DAN DAMPAKNYA TERHADAP KEPUTUSAN MENABUNG DENGAN TABUNGAN BIMA (Survei di PT BPD Jawa Tengah Cabang Salatiga) Meirina. Semantic Scholar, 58(12), 7250–7257. https://doi.org/10.1128/AAC.03728-14
Misissaifi, M., & Sriyana, J. (2021). Faktor-Faktor Yang Mempengaruhi Minat Menggunakan Fintech Syariah. IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita, 10(1), 109–124. https://doi.org/10.46367/iqtishaduna.v10i1.276
Najmudin, N., & Syihabudin, S. (2022). Religiosity and Halal Certification: Its Effect on Interest in Buying Traditional Food. Li Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 6(2), 79. https://doi.org/10.31332/lifalah.v6i2.2994
Najmudin, S. (2021). Religiosity and Halal Certification : Its Effect on Interest in Buying Traditional Food. Li Falah Journal of Islamic Economics and Business Studies, 6(2), 79–96.
Najmudin, & Shihabudin. (2022). Subjective Norms and Behavioral Control: The Effectiveness on Interest in Sharia Insurance. Jurnal Ilmiah Ekonomi Islam, 8(01), 39–46.
Nur, M. M., & Zulfahmi. (2018). Pengaruh Pengetahuan , Pendapatan , dan Kepercayaan , Terhadap Minat Muzakki dalam Membayar Zakat. Ekonomi Regional Unimal, 01(3), 19–29.
Nyoko, A. E. L., & Semuel, A. D. D. (2021). PENGARUH ELECTRONIC WORD OF MOUTH (e-WOM) DI MEDIA SOSIAL FACEBOOK TERHADAP KEPUTUSAN PEMBELIAN. Journal of Management : Small and Medium Enterprises (SMEs), 14(1), 63–76. https://doi.org/10.35508/jom.v14i1.3857
Ojk. (2023). Statistik Fintech Lending Periode Desember 2022. Ojk.Go.Id. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Desember-2022.aspx
Rachma, A., & Mardiana. (2022). Pengaruh Pengetahuan, Religiusitas Dan Akses Media Informasi Terhadap Minat Berwakaf Sukuk Wakaf Adenia. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 4(1), 22–27. https://doi.org/10.47065/ekuitas.v4i1.1663
Rakhmawati, A. (2018). Pengaruh Label Halal Dan Religiusitas Terhadap Minat Beli Dan Keputusan Pembelian (Studi Pada Wardah Beauty House Surabaya). Jurnal Sketsa Bisnis, 5(1), 48–59.
Sarawatari, Y. A., Hasan, A., & Ivalaili. (2021). Pengaruh Persepsi Risiko, Ekspektasi Return, Behavioral Motivation dan Kemajuan Teknologi terhadap Keputusan Investasi di Peer to Peer Lending Syariah. Human Falah: Jurnal Ekonomi Dan Bisnis Islam, 8(2).
Septianingsih, N., Romdhoni, A. H., & Hani’in, U. (2021). Pengaruh Label Halal, Religiusitas, dan Marketing Syariah Terhadap Minat Beli Sri2 Herbal Skinkare (Area Pemasaran Di Sukoharjo. Prosiding Seminar Nasional & Call for Paper STIE AAS, September, 623–632.
Setiawan, F. (2017). MEMBAYAR ZAKAT PROFESI ( Studi Kasus di Kabupaten Ponorogo ). Jurnal Ilmu Manajemen, 8(1), 13–21.
Srisusilawati, P., Ibrahim, M. A., & Ganjar, R. (2019). Komunikasi Pemasaran Syariah Dalam Minat Beli Konsumen. JESI (Jurnal Ekonomi Syariah Indonesia), 9(1), 65. https://doi.org/10.21927/jesi.2019.9(1).65-71
Sudarman, L., Jejen, L., & Husriah, H. (2022). Peran Religiuitas dan Word Of Mouth terhadap Keputusan Nasabah dalam Memilih Bank Syariah Indonesia dengan Motivasi Sebagai Variabel Moderasi. Jurnal Bisnis Dan Manajemen, 9(1), 1–8. https://doi.org/10.26905/jbm.v9i1.6792
Sugesti, P., & Hakim, L. (2021). Puutri Sugesti, Luqman Hakim Al-Mashrafiyah Vol. 5, No. 1, April (2021). Al-Mashrafiyah: Jurnal Ekonomi, Keuangan Dan Perbankan Syariah, 5(1), 47–58. https://doi.org/10.24252/al-mashrafiyah.vi.19956
Suprihati, S., Sumadi, S., & Tho’in, M. (2021). Pengaruh Religiusitas, Budaya, Pengetahuan Terhadap Minat Masyarakat Menabung di Koperasi Syariah. Jurnal Ilmiah Ekonomi Islam, 7(1), 443. https://doi.org/10.29040/jiei.v7i1.1627
Syihabudin, & Najmudin. (2023). ZAKAT PROFESI; Pendapatan, Religiusitas dan Trust Masyarakat (M. Mukhsin (ed.); 1st ed.). Media Sains Indonesia. https://www.ptonline.com/articles/how-to-get-better-mfi-results
Tiyas, C. (2021). Analysis of the Effect of Word Of Mouth, Religiosity and Purchase Decisions of Alcoholic Beverages with Interest as a Mediation Variable. Journal of Islamic Economic Laws, 4(2), 67–87.
Ulya, A. N., & Karneli, O. (2018). Pengaruh Diversifikasi dan Kualitas Produk terhadap Kepuasan Pelanggan pada Toko Rabbani Cabang Pekanbar. JOM FISIP, 5(Edisi II Juli – Desember), 1–14.
Walfajri, M. (2020). Ini alasan fintech lending syariah jauh tertinggal dibanding pemain konvensional. Keuangan.Kontan.Co.Id. https://keuangan.kontan.co.id/news/ini-alasan-fintech-lending-syariah-jauh-tertinggal-dibanding-pemain-konvensional
Widyarini; Wahyu Yuliana. (2019). Faktor Pengaruh Minat Membayar Zakat Mal; Studi pada LAZ Baitul Mal MJK di Yogyakarta. Az Zarqa’, 11(2), 267–313.
Wulandari, S. (2021). Pengaruh Label Halal Dan Religiusitas Terhadap Keputusan Pembelian (Studi Kasus Konsumen Indomie Di Sidoarjo). Jurnal Riset Manajemen Dan Bisnis Dewantara, 4(1), 41. http://etheses.uin-malang.ac.id/id/eprint/3006
Yulinda, H., Lestari, P., & Magnadi, R. H. (2017). ANALISIS FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP. Diponegoro Journal of Management, 6(1), 1–11.
Anggraini, I., & Dewanti, D. S. (2020). The Effect of Halal Foods Awareness on Purchase Decision with Religiosity as a Moderating Variable. Journal of Economics Research and Social Sciences, 4(1). https://doi.org/10.18196/jerss.040116
Annur, C. M. (2022). Ada 204,7 Juta Pengguna Internet di Indonesia Awal 2022. Databoks.Katadata.Co.Id.
Arikunto. (2010). Prosedur Penelitian: Suatu Pendekatan Praktik (Edisi Revi). Rineka Cipta.
Asnaini. (2017). Minat muzakki membayar zakat melalui lembaga (studi kasus di provinsi bengkulu). Nuansa, X(1), 66–74.
Ayuningtyas, R. D., & Sari, R. L. (2020). Analisis Minat Muzakki Membayar Zakat di Badan Amil Zakat Nasional (Baznas) Kota Semarang. AKSES: Jurnal Ekonomi Dan Bisnis, 15(1), 45–54. https://doi.org/10.31942/akses.v15i1.3360
Bachtiar, D. I. (2018). Analisis Pengaruh Diversifikasi Produk dan Harga terhadap Keputusan Pembelian pada UKM Gula Kelapa. Jurnal Ekonomi Dan Bisnis, 52–60.
Bungin, S. (2015). Metodologi Penelitian Sosial dan Ekonomi (Volume 2). Kencana.
Ferdindand. (2002). Structural Equation Modeling dalam Penelitian Manajemen (Edisi Revi). Badan Penelitian Universitas Diponegoro.
Fifaldyovan, M. I., & Supriyanta. (2021). Determinan Minat Penggunaan Fintech. Muara: Jurnal Manajemen Pelayaran Nasional, 4(2), 11–17.
Hamzah, Z., & Kurniawan, I. (2020). Pengaruh Pengetahuan Zakat Dan Kepercayaan Kepada Baznas Kabupaten Kuantan Singingi Terhadap Minat Muzakki Membayar Zakat. Jurnal Tabarru’: Islamic Banking and Finance, 3(1), 30–40. https://doi.org/10.25299/jtb.2020.vol3(1).5114
Ibnunas, B. G., & Harjawati, T. (2021). Pengaruh Religiusitas Terhadap Minat Pembelian Produk Halal. Jurnal Ilmiah Mahasiswa, 1(2), 85–100. https://doi.org/10.32493/jmw.v1i2.10105
Kominfo. (2021). Jadi Pendorong Ekonomi, Menkominfo: Fintech Perluas Jangkauan Ekonomi Digital. Kominfo.Go.Id. https://www.kominfo.go.id/content/detail/37256/siaran-pers-no-354hmkominfo092021-tentang-jadi-pendorong-ekonomi-menkominfo-fintech-perluas-jangkauan-ekonomi-digital/0/siaran_pers
Mansyuroh, F. A. (2020). Pengaruh Persepsi Dan Religiusitas Terhadap Pembelian Skin Care Tanpa Label Halal Pada Muslim Generasi Z di Banjarmasin. At-Taradhi: Jurnal Studi Ekonomi, 11(1), 46. https://doi.org/10.18592/at-taradhi.v11i1.3544
Meirina Resti Amelia, Farida Indriani, M. (2017). PENGARUH WORD OF MOUTH DAN SALES PROMOTION TERHADAP BRAND ATTITUDE DAN DAMPAKNYA TERHADAP KEPUTUSAN MENABUNG DENGAN TABUNGAN BIMA (Survei di PT BPD Jawa Tengah Cabang Salatiga) Meirina. Semantic Scholar, 58(12), 7250–7257. https://doi.org/10.1128/AAC.03728-14
Misissaifi, M., & Sriyana, J. (2021). Faktor-Faktor Yang Mempengaruhi Minat Menggunakan Fintech Syariah. IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita, 10(1), 109–124. https://doi.org/10.46367/iqtishaduna.v10i1.276
Najmudin, N., & Syihabudin, S. (2022). Religiosity and Halal Certification: Its Effect on Interest in Buying Traditional Food. Li Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 6(2), 79. https://doi.org/10.31332/lifalah.v6i2.2994
Najmudin, S. (2021). Religiosity and Halal Certification : Its Effect on Interest in Buying Traditional Food. Li Falah Journal of Islamic Economics and Business Studies, 6(2), 79–96.
Najmudin, & Shihabudin. (2022). Subjective Norms and Behavioral Control: The Effectiveness on Interest in Sharia Insurance. Jurnal Ilmiah Ekonomi Islam, 8(01), 39–46.
Nur, M. M., & Zulfahmi. (2018). Pengaruh Pengetahuan , Pendapatan , dan Kepercayaan , Terhadap Minat Muzakki dalam Membayar Zakat. Ekonomi Regional Unimal, 01(3), 19–29.
Nyoko, A. E. L., & Semuel, A. D. D. (2021). PENGARUH ELECTRONIC WORD OF MOUTH (e-WOM) DI MEDIA SOSIAL FACEBOOK TERHADAP KEPUTUSAN PEMBELIAN. Journal of Management : Small and Medium Enterprises (SMEs), 14(1), 63–76. https://doi.org/10.35508/jom.v14i1.3857
Ojk. (2023). Statistik Fintech Lending Periode Desember 2022. Ojk.Go.Id. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Desember-2022.aspx
Rachma, A., & Mardiana. (2022). Pengaruh Pengetahuan, Religiusitas Dan Akses Media Informasi Terhadap Minat Berwakaf Sukuk Wakaf Adenia. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 4(1), 22–27. https://doi.org/10.47065/ekuitas.v4i1.1663
Rakhmawati, A. (2018). Pengaruh Label Halal Dan Religiusitas Terhadap Minat Beli Dan Keputusan Pembelian (Studi Pada Wardah Beauty House Surabaya). Jurnal Sketsa Bisnis, 5(1), 48–59.
Sarawatari, Y. A., Hasan, A., & Ivalaili. (2021). Pengaruh Persepsi Risiko, Ekspektasi Return, Behavioral Motivation dan Kemajuan Teknologi terhadap Keputusan Investasi di Peer to Peer Lending Syariah. Human Falah: Jurnal Ekonomi Dan Bisnis Islam, 8(2).
Septianingsih, N., Romdhoni, A. H., & Hani’in, U. (2021). Pengaruh Label Halal, Religiusitas, dan Marketing Syariah Terhadap Minat Beli Sri2 Herbal Skinkare (Area Pemasaran Di Sukoharjo. Prosiding Seminar Nasional & Call for Paper STIE AAS, September, 623–632.
Setiawan, F. (2017). MEMBAYAR ZAKAT PROFESI ( Studi Kasus di Kabupaten Ponorogo ). Jurnal Ilmu Manajemen, 8(1), 13–21.
Srisusilawati, P., Ibrahim, M. A., & Ganjar, R. (2019). Komunikasi Pemasaran Syariah Dalam Minat Beli Konsumen. JESI (Jurnal Ekonomi Syariah Indonesia), 9(1), 65. https://doi.org/10.21927/jesi.2019.9(1).65-71
Sudarman, L., Jejen, L., & Husriah, H. (2022). Peran Religiuitas dan Word Of Mouth terhadap Keputusan Nasabah dalam Memilih Bank Syariah Indonesia dengan Motivasi Sebagai Variabel Moderasi. Jurnal Bisnis Dan Manajemen, 9(1), 1–8. https://doi.org/10.26905/jbm.v9i1.6792
Sugesti, P., & Hakim, L. (2021). Puutri Sugesti, Luqman Hakim Al-Mashrafiyah Vol. 5, No. 1, April (2021). Al-Mashrafiyah: Jurnal Ekonomi, Keuangan Dan Perbankan Syariah, 5(1), 47–58. https://doi.org/10.24252/al-mashrafiyah.vi.19956
Suprihati, S., Sumadi, S., & Tho’in, M. (2021). Pengaruh Religiusitas, Budaya, Pengetahuan Terhadap Minat Masyarakat Menabung di Koperasi Syariah. Jurnal Ilmiah Ekonomi Islam, 7(1), 443. https://doi.org/10.29040/jiei.v7i1.1627
Syihabudin, & Najmudin. (2023). ZAKAT PROFESI; Pendapatan, Religiusitas dan Trust Masyarakat (M. Mukhsin (ed.); 1st ed.). Media Sains Indonesia. https://www.ptonline.com/articles/how-to-get-better-mfi-results
Tiyas, C. (2021). Analysis of the Effect of Word Of Mouth, Religiosity and Purchase Decisions of Alcoholic Beverages with Interest as a Mediation Variable. Journal of Islamic Economic Laws, 4(2), 67–87.
Ulya, A. N., & Karneli, O. (2018). Pengaruh Diversifikasi dan Kualitas Produk terhadap Kepuasan Pelanggan pada Toko Rabbani Cabang Pekanbar. JOM FISIP, 5(Edisi II Juli – Desember), 1–14.
Walfajri, M. (2020). Ini alasan fintech lending syariah jauh tertinggal dibanding pemain konvensional. Keuangan.Kontan.Co.Id. https://keuangan.kontan.co.id/news/ini-alasan-fintech-lending-syariah-jauh-tertinggal-dibanding-pemain-konvensional
Widyarini; Wahyu Yuliana. (2019). Faktor Pengaruh Minat Membayar Zakat Mal; Studi pada LAZ Baitul Mal MJK di Yogyakarta. Az Zarqa’, 11(2), 267–313.
Wulandari, S. (2021). Pengaruh Label Halal Dan Religiusitas Terhadap Keputusan Pembelian (Studi Kasus Konsumen Indomie Di Sidoarjo). Jurnal Riset Manajemen Dan Bisnis Dewantara, 4(1), 41. http://etheses.uin-malang.ac.id/id/eprint/3006
Yulinda, H., Lestari, P., & Magnadi, R. H. (2017). ANALISIS FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP. Diponegoro Journal of Management, 6(1), 1–11.
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