Determinants of financing decisions for micro enterprises in Malang city in 2022-2023 moderated by Islamic financial literacy

Rosyada, Fina, Handoko, Azriel Rakaha, Riyanto, Feri Dwi ORCID: https://orcid.org/0000-0002-0420-687X and Andriani, Sri ORCID: https://orcid.org/0000-0001-5197-7098 (2024) Determinants of financing decisions for micro enterprises in Malang city in 2022-2023 moderated by Islamic financial literacy. Journal of Indonesian Applied Economics, 12 (1). pp. 29-47. ISSN 2541-5395

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Abstract

Purpose
This study aims to analyze the Determinants of Financing Decisions in Micro Enterprises in Malang City Moderated by Sharia Financial Literacy

Design/methodology/approach
This research uses a mix method with purposive sampling techniques and the number of samples isas many as 60 respondents of micro business actors. The data of this study uses primary data obtained directly from the source using interview techniques, questionnaires, literature studies. Logistic regression is used to analyze the data.

Findings
This study revealed that variations in income and business age have a negative and significant effect on the variability of financing decisions. Meanwhile, guarantees have a positive and significant effect on the provision of financing decisions. Then, the variables of education, guarantees, and cultural characteristics do not affect the decision to provide financing. Vaiebel moderation itself is predicted to influence and strengthen the relationship between income variability and financing decisions. However, moderation variability has an influence and weakens the relationship between collateral variables and financing decisions.

Research limitations/implications
This research has limitations related to the amount of financing data conducted by Islamic banks

Item Type:	Journal Article
Keywords:	Islamic financial literacy; financing decisions; logistic regression
Subjects:	14 ECONOMICS > 1401 Economic Theory > 140104 Microeconomic Theory 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1501 Accounting, Auditing and Accountability > 150103 Financial Accounting 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150201 Finance 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking)
Divisions:	Faculty of Economics > Department of Management
Depositing User:	sri andriani
Date Deposited:	04 Jun 2024 10:33

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