scholarly journals Peer-to-Peer lending, financial bootstrapping and government support: The role of innovation mediation on MSME performance

2021 ◽  
Vol 23 (3) ◽  
pp. 247-261
Author(s):  
Maria Rita ◽  
Nugrahanti Widi ◽  
Kristanto Budi
Keyword(s):  
Business Performance ◽  
Peer To Peer ◽  
Government Support ◽  
Central Java ◽  
Analysis Technique ◽  
P2p Lending ◽  
Pls Analysis ◽  
The One ◽  
Positive Effect ◽  
Financial Bootstrapping

This study aims to examine whether Peer-to-Peer (P2P) lending, financial bootstrapping and government support affect the performance of Micro, Small, and Medium-sized Enterprises (MSMEs) by adding a mediating variable in the form of innovation. Innovation mediation is expected to be able to optimize the influence of government funding and incentives towards improving business performance. This study used an SEM-PLS analysis technique. The study samples were the MSMEs located in the city of Salatiga - Central Java, Indonesia. The results showed that P2P lending and financial bootstrapping had a positive effect on business performance and innovation. While government support had a positive effect on innovation, on the one hand, it had no effect on business performance, on the other. Innovation itself is proven to have an influence on business performance. This study also finds that innovation mediates the effect of P2P lending on business performance, facilitates the effect of financial bootstrapping on business performance and reconciles the effect of government support on business performance.

scholarly journals Determinants of Attitude Towards Zakat on Employment Income in Nigeria

2018 ◽  
Author(s):  
Abubakar U. Farouk ◽  
Kamil Md Idris ◽  
Ram Al Jaffri Saad
Keyword(s):  
Positive Attitude ◽  
Structural Model ◽  
Measurement Model ◽  
Analytical Tool ◽  
Government Support ◽  
Survey Questionnaire ◽  
Government Employees ◽  
Factors Influencing ◽  
Analysis Technique ◽  
Pls Analysis

The objective of this paper was to empirically examine the influence of perceived capability, perceived government support and religiosity as determinants of attitude towards Zakat in Nigeria. A survey questionnaire was administered on government employees and 343 valid observations were retrieved and analyzed from the survey. The PLS analysis technique was used to assess the measurement model, the structural model as well as the predictive relevance of the model of the study. The outcome of the examination disclosed the appropriateness of the model of the study as well as the analytical tool utilized. The postulated relationships were all supported. Thus, the findings, if utilized in developing policies for strengthening the attitude of employees towards Zakat, will boost Zakat collections, since a positive attitude leads to improved collections. The study establishes the efficacy and the suitability of its model on factors influencing the attitude of employees towards Zakat in Nigeria.  

scholarly journals Fintech Based Peer-too-peer (P2P) Lending : A Perspective of MSMEs In the New Normal Era of Pandemic Covid-19

2021 ◽  
Vol 5 (1) ◽  
pp. 26-46
Author(s):  
Tuti Zakiyah
Keyword(s):  
Sampling Method ◽  
Peer To Peer ◽  
Survey Method ◽  
Data Collection Tool ◽  
New Normal ◽  
Central Java ◽  
Inner Model ◽  
P2p Lending ◽  
R Value

The purpose of this research is to find out the role of Fintech Peer to Peer (P2P) lending based on the perception in the new normal era of Covid-19 as a financial inclusion for the recovery of the MSME financial sector. The population of this research is MSMEs in Central Java and East Java Provinces. The survey method was carried out by collecting data using a questionnaire as a data collection tool. In addition, researchers also use purposive sampling method to determine the sample. The analysis hypothesis is used the outer model and EViews 10 for the evaluation of the inner model. The results of this study are that peer to peer  lending together has a significant effect on the interests of MSME actors in East Java in The New Normal Era of the Covid-19, this is also supported by the Adjevtive R value which shows the number 87%.

The empirical model of trust, loyalty, and business performance of the dairy milk supply chain

2017 ◽  
Vol 119 (12) ◽  
pp. 2765-2787 ◽  
Author(s):  
Aries Susanty ◽  
Arfan Bakhtiar ◽  
Ferry Jie ◽  
Mustofa Muthi
Keyword(s):  
Business Performance ◽  
Significant Positive Effect ◽  
Collaborative Communication ◽  
West Java ◽  
Content Type ◽  
Dairy Farmer ◽  
Central Java ◽  
Dairy Cooperatives ◽  
Positive Effect ◽  
Central Java Province

Purpose The purpose of this paper is to measure and evaluate the relationship between collaborative communication, power dependence, price satisfaction, trust, supplier loyalty, and business performance. Design/methodology/approach Data used in this study were primary data which were collected through personal interviews and closed questionnaires using a five-point Likert scale ranging from 1 to 5. The sample consisted of 170 individual dairy farmer and several dairy cooperatives, which were located in Central Java Province (Boyolali and Semarang Districts) and West Java Province (West Bandung District). The study used partial least squares with the aid of the SmartPLS software program to analyze the hypothesis. Findings The results of hypothesis testing indicate that collaborative communication and price satisfaction had a significant positive effect on trust for Central Java and West Java Province. Meanwhile, power dependence had a significant negative effect on trust only for West Java Province. Trust had a significant positive effect on supplier loyalty for both of the two provinces. Significant positive effect of supplier loyalty on business performance was supported in Central Java Province, whereas in West Java Province, supplier loyalty had a positive but not significant effect on business performance. Research limitations/implications The limitation of this study is related to the number of samples, the type of scale used to measure a business performance, and the focus that is only on the relationship between the fargmers and cooperative to improve the performance of cooperative without considering the role of management. So, the future research may replicate this study in another region or in the other contexts of agribusiness sector that usually depends on farmer as a producer of the raw material. It may also enhance the measurement of business performance of dairy cooperative by using a direct measure of financial performance and non-financial performance and broaden the scope of research into the role of management of dairy cooperative. Practical implications It is recommended that managers of dairy cooperatives always involve the farmers when making marketing decisions especially concerning prices, products, market, and promotion. As organizational stakeholders, their involvement is vital in determining the ability of the dairy to achieve its goals. The other recommendation is the managers of cooperatives must have a clear policy on the price of milk, and this policy should indicate the transparency and accountability. Then, regarding the long-term benefit of dairy cooperative, it is recommended for dairy cooperatives to add the value of the milk so they can access wider markets, which, in turn, will maximize returns to the members. Based on this recommendation, it is better if the dairy cooperative in Indonesia not only serves as a marketing cooperative, but also serves as a farm supply cooperative which may process or formulate the milk into a more valuable product. Social implications The research confirms that individual dairy farmer’s loyalty can benefit the business of dairy cooperative. It may encourage more dairy cooperative to tap the good relationship with the individual dairy farmer at the initial stage of the economic growth of their business. Intensifying competition between dairy cooperatives would potentially bring even better quality and quantity of milk from the loyal dairy farmer. Originality/value Although this research used the conceptual model from the previous study, this research will make some improvement. First, it used more indicators to measure each dimension of the construct, and the investigation was slightly more complex and broader since the object of the research was represented by two regions, namely, Central Java Province and West Java Province.

scholarly journals Mediating effect of relational capabilities in the relationship between entrepreneurial orientation and SMEs performance

2021 ◽  
Vol 17 (1) ◽  
pp. 129-146
Author(s):  
Nuryakin ◽  
Keyword(s):  
Entrepreneurial Orientation ◽  
Structural Equation ◽  
Business Performance ◽  
Theory And Practice ◽  
Mediating Effect ◽  
Significant Positive Effect ◽  
Central Java ◽  
Relational Capabilities ◽  
Positive Effect

Purpose: The aim of this research is to analyze empirical evidence of the effect of entrepreneurial orientations on SMEs' business performance. The previous study found that entrepreneurial orientation became an important key for an entrepreneur to enhance business performance. This study also examined the role of relational capabilities as an intervening variable to achieve business performance. Methodology: The sample in this study was the furniture SMEs in the region of central Java with a sample size of 208 SMEs. This study used purposive sampling methods. Structural Equation Modelling (SEM) was used to test results of the data analysis with the help of software AMOS/Amos Graph. Findings: The results of the study showed that entrepreneurial orientation has a significant positive effect on business performance. Entrepreneurial orientation has a significant positive effect on relational capabilities. Relational capabilities are mediated the positive relationship between entrepreneurial orientation and business performance significantly. Implications for theory and practice: The results of this study indicate the effect of entrepreneurial orientation on business performance and relational capabilities and mediating role of relational capabilities. Therefore, SMEs ought to develop relational capabilities with SMEs networks through strengthening entrepreneurial orientation to achieve SMEs' performance. Originality and value: The main contribution of the study from the combination of entrepreneurial orientation and relational capabilities of SMEs to enhance business performance.

Influence of trust and risk on peer-to-peer investment willingness: a bidirectional perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mengfan Zhai ◽  
Yuan Chen ◽  
Mingxia Wei
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Peer To Peer ◽  
Equation Modeling ◽  
Content Type ◽  
Bidirectional Relationship ◽  
P2p Lending ◽  
The Relationship ◽  
Positive Effect

PurposeThe purpose of this paper is to investigate the influence of trust and perceived risk on investment willingness considering the bidirectional relationship between trust and perceived risk in peer-to-peer (P2P) lending.Design/methodology/approachData were collected from a leading Chinese P2P platform, PPDAI.com. In total, 328 valid responses were received and analyzed using structural equation modeling (SEM).FindingsThe results show that the influence of trust on investment willingness is significant, whereas that of perceived risk is insignificant. The results also indicate that platform reputation has a positive effect on trust, and the quality of alternatives is positively associated with perceived risk. In addition, the bidirectional perspective should be preferred to cope with the bidirectional relationship between trust and perceived risk in P2P lending.Originality/valueThis study extends existing research on the influence of trust and perceived risk on investment willingness from a bidirectional perspective, which has not been addressed in the P2P lending context. In addition, this research enriches the current literature about trust and perceived risk by providing more evidence that the relationship between trust and perceived risk is bidirectional and thus the bidirectional model should be preferred. For practice, the study suggests that managers can earn trust and reduce the perceived risk of lenders by continuously providing high-quality products, services and enhancing platform reputation, ultimately improving their investment willingness.

scholarly journals Faktor-Faktor yang Mempengaruhi Minat Menggunakan Layanan Financial Technology Peer To Peer Lending Syariah

2021 ◽  
Vol 31 (5) ◽  
pp. 1201
Author(s):  
Henny Triyana Hasibuan
Keyword(s):  
Social Influence ◽  
Peer To Peer ◽  
Behavior Intention ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Analysis Technique ◽  
Effort Expectancy ◽  
Peer Lending ◽  
Facilitating Conditions ◽  
Positive Effect

The purpose of this study was to see the factors that influence the interest of users of Islamic peer to peer lending services using the Unified Theory Of Acceptance and Use Of Technology 2 (UTAUT2) model. The exogenous variables in this study are performance expectancy, effort expectancy, social influence, facilitating conditions, price value, hedonic motivation and habit, while the endogenous variable is behavior intention. The data was collected by distributing questionnaires using google forms. The data analysis technique used is Structural Equational Modeling (SEM). The results showed that the variables of performance expectancy, social influence, hedonic motivation and habit had no effect on behavior intention to use Islamic peer to peer landing fintech services, while the variables Effort Expectancy, Facilitating Condition and Price Value had a positive effect on behavior intention using Islamic peer to peer lending services. Keywords: UTAUT2; Behavior Intention; Financial  Peer To Peer Islamic Lending; SEM.

scholarly journals The Fintech Phenomenon: Protection of Consumer Privacy Data in Online Lending

2021 ◽  
Vol 21 (2) ◽  
pp. 185-194
Author(s):  
Ika Dewi Sartika Saimima ◽  
Valentino Gola Patria
Keyword(s):  
Financial Services ◽  
Legal Theory ◽  
Personal Data ◽  
Peer To Peer ◽  
Legal Norms ◽  
Consumer Privacy ◽  
P2p Lending ◽  
Peer Lending ◽  
The One ◽  
Online Lending

Abstract   Financial technology innovation that occurs nowadays leads to accelerated changes in the financial sector. However, these developments are like double-edged swords, on the one hand they provide convenience for consumers, on the other hand pose risks for consumers related to the confidentiality of their personal data. Money lending business through Peer to Peer lending (P2P lending) system often results in consumers receiving threats when they are late making payments. This paper presents several cases that result in consumers experiencing personal data theft, receiving threats directed at relatives or acquaintances. Even committing fraud by taking money from borrowers or customers without following the regulations made by the Financial Services Authority (OJK). The research data is carried out in a qualitative normative way where the data is translated based on legal norms and uses legal theory that can explain and answer existing legal problems.   Keywords: Consumer Protection, Peer to Peer lending (P2P lending), Private Data Protection   Abstrak   Inovasi teknologi keuangan yang terjadi saat ini mengarah pada akselerasi perubahan di sektor keuangan. Namun perkembangan tersebut ibarat pedang bermata dua, di satu sisi memberikan kemudahan bagi konsumen, di sisi lain menimbulkan risiko bagi konsumen terkait kerahasiaan data pribadinya. Bisnis money lending melalui sistem Peer to Peer lending (P2P lending) seringkali mengakibatkan konsumen mendapat ancaman ketika mereka terlambat melakukan pembayaran. Makalah ini menyajikan beberapa kasus yang mengakibatkan konsumen mengalami pencurian data pribadi, menerima ancaman yang ditujukan kepada kerabat atau kenalan. Bahkan melakukan penipuan dengan mengambil uang dari debitur atau nasabah tanpa mengikuti ketentuan Otoritas Jasa Keuangan (OJK). Data penelitian dilakukan secara normatif kualitatif dimana datanya diterjemahkan berdasarkan norma hukum dan menggunakan teori hukum yang dapat menjelaskan dan menjawab permasalahan hukum yang ada. Kata kunci: Peer to Peer lending (P2P lending), Perlindungan Konsumen, Perlindungan Data Pribadi   Kata Kunci: Perlindungan Konsumen, Peer to Peer lending (P2P lending), Perlindungan Data Pribadi

FAKTOR YANG MEMPENGARUHI PORSI PEMBIAYAAN BAGI HASIL (STUDI PADA BANK PEMBIAYAAN RAKYAT SYARIAH DI DIY DAN JAWA TENGAH)

2019 ◽  
Vol 3 (1) ◽  
pp. 34-50
Author(s):  
Setya Pramono
Keyword(s):  
Customer Service ◽  
Supervisory Board ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Profit Sharing ◽  
Government Support ◽  
Islamic Banks ◽  
Marketing Manager ◽  
Central Java ◽  
Positive Effect

This study examines conceptual and empirical models regarding Manager Skills, Sharia Compliance, Characteristics of Islamic Banks, Manager's Perceptions of Islamic Bank Internal SDI, Manager's Perceptions of Customer Characteristics, Manager's Perceptions of the Existence of Regulation, Manager's Perceptions of Government Support for the Portion of Profit Sharing Financing in Sharia People's Financing Bank The selection of research locations was carried out by means of a simple random proportional technique (proportional simple random sampling). The sampling technique used in this research was purposive sampling. In this study there were 36 BPRS in DIY and Central Java, then five people were taken as respondents for each BPRS consisting of the Board of Directors, the Sharia Supervisory Board, Marketing Manager, Operations Manager (Financing Manager) and Customer Service. So the number is 180 (one hundred and eighty) respondents. As for the object of the assessment is the Operations Manager / Funding Manager, considering that this research is related to the portion of profit sharing financing. The results showed that 1) Manager's conceptual skills had a positive effect on the portion of profit-sharing financing in BPR Syariah 2) Manager's technical skills had a positive effect on the portion of profit-sharing financing in BPR Syariah 3) Manager's social skills had a positive effect on the portion of profit-sharing financing in BPR Syariah 4 ) Managers' perceptions about the internal SDI of Islamic banks have a positive effect on the portion of profit-sharing financing in Islamic BPR Sharia BPR 7) There is no influence of the characteristics of Islamic banks on the portion of profit sharing financing in Sharia BPR 8) There is no effect of sharia compliance on the portion of profit sharing financing in Islamic BPR face the portion of profit sharing financing in Sharia BPR

scholarly journals THE EFFECT OF ENTREPRENEURSHIP EDUCATION ON INTERESTS OF ENTREPRENEURSHIP THROUGH SELF AWARENESS IN STUDENTS IN SURABAYA

2020 ◽  
Vol 7 (01) ◽  
Author(s):  
Candraningrat Candraningrat
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Quantitative Research ◽  
Entrepreneurship Education ◽  
Self Awareness ◽  
Analysis Technique ◽  
Pls Analysis ◽  
The City ◽  
Positive Effect ◽  
Program Data

This study aims to determine the effect of entrepreneurship education and self-awareness variables on entrepreneurial interest in students in the city of Surabaya. The data analysis technique used is the SEM-PLS analysis through the Warp PLS 6.0 program. Data collection techniques by conducting surveys through a questionnaire distributed to respondents by purposive sampling. The population in this study were all students in the city of Surabaya who were taking and who had passed an entrepreneurship course, so the sample determined in this study were 100 students in the city of Surabaya who were making and who had passed an entrepreneurship course with active status. This research is classified as quantitative research. This study provides findings that the variables of entrepreneurship education and self-awareness have a significant and positive effect on entrepreneurial interest. Also, entrepreneurship education variables affect the interest in entrepreneurship through self-awareness.

scholarly journals Alocative Efficiency of Honey Pineapple Farm in Pemalang Regency, Central Java, Indonesia

2021 ◽  
Vol 232 ◽  
pp. 01016
Author(s):  
Triyono ◽  
Diah Rina Kamardiani ◽  
Muhammad Adhi Prasetio
Keyword(s):  
Production Function ◽  
Function Analysis ◽  
Factors Affecting ◽  
Central Java ◽  
Analysis Technique ◽  
Positive Effect ◽  
Douglas Production Function

Pineapple Honey is one of the superior commodity of Pemalang Regency, Central Java. However, production of honey pineapple in 2013- 2015 was occurred fluctuations. The purpose of this research is to know the factors that affect production and to know the level of elasticity in each honey pineapple farming input in the Beluk Village. The sampling of locations was carried out purposively with the consideration that beluk village was the centre of honey pineapple production. The number of samples was 64 farmers who were taken simple random. Cobb-Douglas production function analysis technique was used to determine the factors affecting the production and elasticity of each of the honey pineapple farming inputs. The results of the analysis showed that the factors affecting the production of honey pineapple are the number of plants, manure, and harvest season. In variables that affect production is obtained only variable manure has negative value. It can be occurred as effect of the application of immature manure. So, we suggest that the use of manure that is ripe and of good quality will have a positive effect on the growth and production of honey pineapple.

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