Araştırma Makalesi
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THE ROLE OF ISLAMIC BANKING AND E-COMMERCE FOR THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTREPRENEUR BUSINESSES

Yıl 2020, Cilt: 3 Sayı: 1, 11 - 24, 22.06.2020

Öz

The growth of online business transactions and people's behavior in the digital era has had an impact on bank business. The Islamic banking industry is one industry that is currently experiencing rapid development in Indonesia. Also, the micro, small, and medium business sector (MSMEs) is the backbone of Indonesia's economic growth. Therefore the purpose of this study is to (i) analyze the influence of Islamic banking services on business improvement from MSMEs, (ii) analyze the effect of e-commerce on business improvement from MSMEs, and (iii) analyze the influence of Islamic banks and e-commerce on business improvement from MSMEs. The research method used is quantitative statistical software version 18 with multiple linear regression statistical methods. The results of this study are Islamic banks have a significant effect on increasing MSMEs business, and e-commerce has an insignificant impact on increasing MSMEs’ business. However, e-commerce is an added value of Islamic bank services in improving MSMEs’ business. The contribution of this research is to provide information, both to practitioners of Islamic banks and stakeholders related to the needs of the community, primarily entrepreneurs in the MSMEs segment for digital services that can facilitate them with online business transactions.   

Destekleyen Kurum

Universitas Mercu Buana and Universitas Sangga Buana YPKP

Teşekkür

Research Centre of Universitas Mercu Buana to support our research fund

Kaynakça

  • Adrian, M. A. (2018). Empowerment Strategies of Micro, Small, Medium Enterprises ( MSMEs ) to Improve Indonesia Export Performance. International Journal of Economics, Business and Accounting Research (IJEBAR), 2(4), 50-60.
  • Ahmed, H. (2004). Frontiers of Islamic Banking: A Synthesis of Social Role and Micro finance Forthcoming in The European Journal of Management and Public Policy Frontiers of Islamic Banking: A Synthesis of Social Role and Microfinance. In Munawar Iqbal Islamic Banking in Practice 10 Said M. Elfakhani, Yusuf M. Sidani and Omar A. Fahel An Assessment of the Performance of Islamic Mutual Funds 39 Obiyathulla Ismath Bacha Value Preservation through Risk Management A Shariah Compliant Proposal (pp. 1-118).
  • Akhter, W., Akhtar, N., & Jaffri, S. K. A. (2009). Islamic Micro-Finance and Poverty Alleviation: A Case of Pakistan. In Proceedings 2nd CBRC (pp. 1-8). Lahore, Pakistan.
  • Alamsyah, H. (2012). Perkembangan dan Prospek Perbankan Syariah Indonesia: Tantangan Dalam Menyongsong MEA 2015. Milad Ke-8 Ikatan Ahli Ekonomi Islam (IAEI), (April 2012), 1-8.
  • Amah, N. (2013). Bank Syariah dan UMKM dalam Menggerakkan Roda Perekonomian Indonesia: Suatu Kajian Literatur. ASSETS: Jurnal Akuntansi Dan Pendidikan, 2(21), 48-54.
  • Asutay, M. (2012). Frontier of Islamic Economics and Finance : New Challenges Conceptualising and Locating the Social Failure of Islamic Finance : Aspirations of Islamic Moral Economy vs the Realities of Islamic Finance. Asian and African Area Studies, 11(2), 93-113.
  • Ayyagari, M., Demirguc-Kunt, A., & Maksimovic, V. (2011). Contribution to Employment, Job Creation, and Growth. Retrieved from http://econ.worldbank.org.
  • Beck, T., & Demirguc-Kunt, A. (2006). Small and medium-size enterprises: Access to finance as a growth constraint. Journal of Banking and Finance, 30(11), 2931-2943. https://doi.org/10.1016/j.jbankfin.2006.05.009
  • Casolaro, L., & Gobbi, G. (2007). Information Technology and Productivity Changes in the Banking Industry. Economic Notes, 36(1), 43-76. https://doi.org/10.1016/0305-0483(84)90018-5
  • Chapra, M. U. (1993). Islam and economic development. Islamabad, Pakistan: Islamic Research Institute (IRTI).
  • Chapra, M. U. (2007). Ibn Khaldun’s theory of development: Does it help explain the low performance of the present-day Muslim world? The Journal of Socio-Economics, 37(2), 836-863. https://doi.org/10.1016/j.socec.2006.12.051
  • Chiou, J., & Shen, C. (2012). The antecedents of online financial service adoption : the impact of physical banking services on Internet banking acceptance. Behaviour & Information Technology, 31(9), 859-871.
  • Choudhury, M. A. (2010). Islamic Perspective of Socioeconomic Development. Journal of Islamic Economics, Banking and Finance, 6(3), 37-54.
  • Choudhury, M. A., & Hoque, M. Z. (2013). Corporate governance in Islamic perspective. International Journal of Islamic and Middle Eastern Finance and Management, 6(3), 180-199. https://doi.org/10.1108/14720700610655132
  • Dusuki, A. W., & Abdullah, N. I. (2007). Why do Malaysian customers patronise Islamic banks? International Journal of Bank Marketing, 25(3), 142-160. https://doi.org/10.1108/02652320710739850
  • Elmelki, A., & Mounira, B. A. (2009). Ethical Investment and the Social Responsibilities of the Islamic Banks. International Business Research, 2(2), 123-130. https://doi.org/10.5539/ibr.v2n2p123
  • Ferawati, R., & Solihin, M. (2017). Kontribusi Bank Syariah Mandiri Cabang Jambi dalam Pembiayaan UMKM di Kota Jambi. Nur El-Islam, 4(2), 188-209.
  • Gunasekaran, A., Marri, H. B., Mcgaughey, R. E., & Nebhwani, M. D. (2002). E-commerce and its impact on operations management. Int. J. Production Economics, 75(1-2), 185-197.
  • Haryanti, D. M., & Hidayah, I. (2019). Potret UMKM Indonesia: Si Kecil yang Berperan Besar | UKM Indonesia. Retrieved January 16, 2020, from https://www.ukmindonesia.id/baca-artikel/62
  • Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2019). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(03), 326-333.
  • Hutagalung, M. A. K., Fitri, R., & Ritonga, S. R. W. (2019). Generasi Muslim Milenial dan Wirausaha. In Seminar Nasional Hasil Pengabdian Kepada Masyarakat 2019 (pp. 300-304). STMIK Pontianak, 29 Juli 2019.
  • Joyce, D. (2015). Internet freedom and human rights. European Journal of International Law, 26(2), 493-514. https://doi.org/10.1093/ejil/chv021
  • Kara, M. (2013). Konstribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) di Kota Makassar. Asy-Syir’ah Jurnal Ilmu Syari’ah Dan Hukum, 47(1), 269-302.
  • Kasyfi, H. (2018). APJII: Penetrasi Pengguna Internet Indonesia Capai 143 Juta Orang | Dailysocial. Retrieved January 25, 2020, from https://dailysocial.id/post/apjii-survei-internet-indonesia-2017
  • Kholis, N. (2018). Perbankan dalam era baru digital. Economicus, 9(1), 80-88.
  • Makarim, E. (2014). Kerangka Kebijakan Dan Reformasi Hukum Untuk Kelancaran Perdagangan Secara Elektronik (E-Commerce) Di Indonesia. Jurnal Hukum & Pembangunan, 44(3), 314. https://doi.org/10.21143/jhp.vol44.no3.25
  • Mckay, R. (2001). Women entrepreneurs: Moving beyond family and flexibility. International Journal of Entrepreneurial Behaviour & Research, 7(4), 148-165. https://doi.org/10.1108/EUM0000000005764
  • Musfiroh, M. F. S., Sabrina, L., & Wuragil, S. (2017). Kontribusi Perbankan Syariah Terhadap Perkembangan UMKM di Kecamatan Banjarnegara. Manarul Qur’an: Jurnal Ilmiah Studi Islam, 17(1), 136-158.
  • Nugroho, L. (2014). Role of Government Support to Micro Financing in Islamic Bank for Clean Water Connection to Low-Income Communities. Research Journal of Finance and Accounting, 5(4), 57-63.
  • Nugroho, L. (2020). Bank Syariah dan Dinamika Financial Technology (Fintek) Pada Era Revolusi Industri 4.0. In Eksistensi Bisnis Islami di Era Revolusi Industri 4.0 (pp. 153-181). Widina.
  • Nugroho, L., & Ali, A. J. (2020). E-Commerce to Improve Homemaker Productivity (Women Entrepreneur Empowerment at Meruya Utara, Kembangan District, West Jakarta, Indonesia). Amalee: Indonesian Journal of Community Research & Engagement, 1(01), 13-24.
  • Nugroho, L., Hidayah, N., Ali, A. J., & Badawi, A. (2020). E-Commerce to Improve Homemaker Productivity (Women Entrepreneur Empowerment at Meruya Utara, Kembangan District, West Jakarta, Indonesia). Amalee: Indonesian Journal of Community Research & Engagement, 1(01), 13-24.
  • Nugroho, L., Hidayah, N., & Badawi, A. (2018). The Islamic Banking, Asset Quality: “Does Financing Segmentation Matters” (Indonesia Evidence). Mediterranean Journal of Social Sciences, 9(5), 221-235. https://doi.org/10.2478/mjss-2018-0154
  • Nugroho, L., & Husnadi, T. C. (2014). State-Owned Islamic Bank (BUMN) in Realizing The Benefit of Ummah (Maslahah) and Indonesia as Islamic Financial Center in The World. In Proceedings in 11th International Research Conference on Quality, Innovation and Knowledge Management. Bandung. (pp. 1-21).
  • Nugroho, L., Husnadi, T. C., Utami, W., & Hidayah, N. (2017). Maslahah and Strategy to Establish A Single State-Owned Islamic Bank in Indonesia. Tazkia Islamic Finance and Business Review, 10(1), 17-33. Retrieved from http://www.tifbr-tazkia.org/index.php/TIFBR/article/view/97/106
  • Nugroho, L., & Tamala, D. (2018). Persepsi Pengusaha UMKM Terhadap Peran Bank Syariah. Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan), 3(1), 49-62.
  • Nugroho, L., Utami, W., & Doktoralina, C. M. (2019). Ekosistem Bisnis Wisata Halal dalam Perspektif Maqasid Syariah (Halal Tourism Business Ecosystem in the Maqasid Syariah Perspective). Perisai : Islamic Banking and Finance Journal, 3(2), 84-92. https://doi.org/10.21070/perisai.v3i2.1964
  • Nugroho, L., Utami, W., Sukmadilaga, C., & Fitrijanti, T. (2017). The Urgency of Allignment Islamic Bank to Increasing the Outreach (Indonesia Evidence). International Journal of Economics and Financial Issues, 7(4), 283-291.
  • Nugroho, L., Wiwik, U., Citra, S., & Tettet, F. (2017). The Urgency of Allignment Islamic Bank to Increasing the Outreach. International Journal of Economics and Financial Issues, 7(4), 283-291. Retrieved from https://www.econjournals.com/index.php/ijefi/article/view/4493/pdf
  • Otoritas Jasa Keuangan/OJK. (2019). Penyelenggara Fintech Terdaftar dan Berizin di OJK per 31 Mei 2019. Retrieved January 26, 2020, from https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Penyelenggara-Fintech-Terdaftar-dan-Berizin-di-OJK-per-31-Mei-2019.aspx
  • Palladan, A. A., & Adamu, A. M. (2019). Toward Mitigating Graduate Unemployment for Political Stability: The Role Electronic Commerce Technology. A PLS Approach. Cross Current Int J Econ Manag Media Stud, 1(1), 22-29. Retrieved from https://www.researchgate.net/publication/330985931
  • Pratiwi, A. (2016). Islamic banking contribution in sustainable socioeconomic development in Indonesia: An epistemological approach. Humanomics, 32(2), 98-120. https://doi.org/10.1108/H-12-2015-0085
  • Rifa, B. (2013). Efektivitas Pemberdayaan Usaha Mikro Kecil dan Menengah (UMKM) Krupuk Ikan dalam Program Pengembangan Labsite Pemberdayaan Masyarakat Desa Kedung Rejo Kecamatan Jabon Kabupaten Sidoarjo. Kebijakan Dan Manajemen Publik, 1(1), 130-136.
  • Rohana, A. (2020). Kondisi Ekonomi Digital Global dan Nasion. Retrieved January 26, 2020, from https://www.depokpos.com/2020/01/kondisi-ekonomi-digital-global-dan-nasional/
  • Rosyidi, K. (2018). Community Based E-Marketing: Pemasaran Online Berbasis Komunitas bagi IKM Minapolitan Patuguran Rejoso Pasuruan. SOEROPATI, 1(1), 93-102.
  • Suci, Y. R. (2017). Perkembangan UMKM (Usaha Mikro Kecil dan Menengah) di Indonesia. Jurnal Ilmiah Cano Ekonomos, 6(1), 51-58.
  • Sukmadilaga, C., & Nugroho, L. (2017). Pengantar Akuntansi Perbankan Syariah" Prinsip, Praktik dan Kinerja. Lampung, Indonesia: Pusaka Media.
  • Tedjasuksmana, B. (2015). Potret UMKM Indonesia Menghadapi Masyarakat Ekonomi ASEAN 2015. In The 7th NCFB and Doctoral Colloquium 2014 Towards a New Indonesia Business Architecture Sub Tema: “Business And Economic Transformation Towards AEC 2015” (pp. 189-202).
  • Vania, A. S., Nugraha, E., & Nugroho, L. (2018). Does Earning Management Happen in Islamic Bank? (Indonesia and Malaysia Comparison). International Journal of Commerce and Finance, 4(2), 47-59. Retrieved from https://databoks.katadata.co.id
  • Wajdi Dusuki, A. (2008). Banking for the poor: the role of Islamic babking in microfinance initiatives. Humanomics, 24(1), 49-66.
  • Widagdyo, K. G. (2015). Analisis Pasar Pariwisata Halal Indonesia. The Journal of Tauhidinomics, 1(1), 73-80.
  • Widiyanto, I., & Prasilowati, S. L. (2015). Perilaku Pembelian Melalui Internet. Jurnal Manajemen Dan Kewirausahaan (Journal of Management and Entrepreneurship), 17(2), 109-112. https://doi.org/10.9744/jmk.17.2.109-122
  • Yustati, H., & Handayani, D. L. (2017). Strategi Perbankan Syariah dalam Menyokong Indonesia Menjadi Trend Setter Industri Halal. Baabu Al-Ilmi, 2(1), 16-35.
Yıl 2020, Cilt: 3 Sayı: 1, 11 - 24, 22.06.2020

Öz

Kaynakça

  • Adrian, M. A. (2018). Empowerment Strategies of Micro, Small, Medium Enterprises ( MSMEs ) to Improve Indonesia Export Performance. International Journal of Economics, Business and Accounting Research (IJEBAR), 2(4), 50-60.
  • Ahmed, H. (2004). Frontiers of Islamic Banking: A Synthesis of Social Role and Micro finance Forthcoming in The European Journal of Management and Public Policy Frontiers of Islamic Banking: A Synthesis of Social Role and Microfinance. In Munawar Iqbal Islamic Banking in Practice 10 Said M. Elfakhani, Yusuf M. Sidani and Omar A. Fahel An Assessment of the Performance of Islamic Mutual Funds 39 Obiyathulla Ismath Bacha Value Preservation through Risk Management A Shariah Compliant Proposal (pp. 1-118).
  • Akhter, W., Akhtar, N., & Jaffri, S. K. A. (2009). Islamic Micro-Finance and Poverty Alleviation: A Case of Pakistan. In Proceedings 2nd CBRC (pp. 1-8). Lahore, Pakistan.
  • Alamsyah, H. (2012). Perkembangan dan Prospek Perbankan Syariah Indonesia: Tantangan Dalam Menyongsong MEA 2015. Milad Ke-8 Ikatan Ahli Ekonomi Islam (IAEI), (April 2012), 1-8.
  • Amah, N. (2013). Bank Syariah dan UMKM dalam Menggerakkan Roda Perekonomian Indonesia: Suatu Kajian Literatur. ASSETS: Jurnal Akuntansi Dan Pendidikan, 2(21), 48-54.
  • Asutay, M. (2012). Frontier of Islamic Economics and Finance : New Challenges Conceptualising and Locating the Social Failure of Islamic Finance : Aspirations of Islamic Moral Economy vs the Realities of Islamic Finance. Asian and African Area Studies, 11(2), 93-113.
  • Ayyagari, M., Demirguc-Kunt, A., & Maksimovic, V. (2011). Contribution to Employment, Job Creation, and Growth. Retrieved from http://econ.worldbank.org.
  • Beck, T., & Demirguc-Kunt, A. (2006). Small and medium-size enterprises: Access to finance as a growth constraint. Journal of Banking and Finance, 30(11), 2931-2943. https://doi.org/10.1016/j.jbankfin.2006.05.009
  • Casolaro, L., & Gobbi, G. (2007). Information Technology and Productivity Changes in the Banking Industry. Economic Notes, 36(1), 43-76. https://doi.org/10.1016/0305-0483(84)90018-5
  • Chapra, M. U. (1993). Islam and economic development. Islamabad, Pakistan: Islamic Research Institute (IRTI).
  • Chapra, M. U. (2007). Ibn Khaldun’s theory of development: Does it help explain the low performance of the present-day Muslim world? The Journal of Socio-Economics, 37(2), 836-863. https://doi.org/10.1016/j.socec.2006.12.051
  • Chiou, J., & Shen, C. (2012). The antecedents of online financial service adoption : the impact of physical banking services on Internet banking acceptance. Behaviour & Information Technology, 31(9), 859-871.
  • Choudhury, M. A. (2010). Islamic Perspective of Socioeconomic Development. Journal of Islamic Economics, Banking and Finance, 6(3), 37-54.
  • Choudhury, M. A., & Hoque, M. Z. (2013). Corporate governance in Islamic perspective. International Journal of Islamic and Middle Eastern Finance and Management, 6(3), 180-199. https://doi.org/10.1108/14720700610655132
  • Dusuki, A. W., & Abdullah, N. I. (2007). Why do Malaysian customers patronise Islamic banks? International Journal of Bank Marketing, 25(3), 142-160. https://doi.org/10.1108/02652320710739850
  • Elmelki, A., & Mounira, B. A. (2009). Ethical Investment and the Social Responsibilities of the Islamic Banks. International Business Research, 2(2), 123-130. https://doi.org/10.5539/ibr.v2n2p123
  • Ferawati, R., & Solihin, M. (2017). Kontribusi Bank Syariah Mandiri Cabang Jambi dalam Pembiayaan UMKM di Kota Jambi. Nur El-Islam, 4(2), 188-209.
  • Gunasekaran, A., Marri, H. B., Mcgaughey, R. E., & Nebhwani, M. D. (2002). E-commerce and its impact on operations management. Int. J. Production Economics, 75(1-2), 185-197.
  • Haryanti, D. M., & Hidayah, I. (2019). Potret UMKM Indonesia: Si Kecil yang Berperan Besar | UKM Indonesia. Retrieved January 16, 2020, from https://www.ukmindonesia.id/baca-artikel/62
  • Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2019). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(03), 326-333.
  • Hutagalung, M. A. K., Fitri, R., & Ritonga, S. R. W. (2019). Generasi Muslim Milenial dan Wirausaha. In Seminar Nasional Hasil Pengabdian Kepada Masyarakat 2019 (pp. 300-304). STMIK Pontianak, 29 Juli 2019.
  • Joyce, D. (2015). Internet freedom and human rights. European Journal of International Law, 26(2), 493-514. https://doi.org/10.1093/ejil/chv021
  • Kara, M. (2013). Konstribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) di Kota Makassar. Asy-Syir’ah Jurnal Ilmu Syari’ah Dan Hukum, 47(1), 269-302.
  • Kasyfi, H. (2018). APJII: Penetrasi Pengguna Internet Indonesia Capai 143 Juta Orang | Dailysocial. Retrieved January 25, 2020, from https://dailysocial.id/post/apjii-survei-internet-indonesia-2017
  • Kholis, N. (2018). Perbankan dalam era baru digital. Economicus, 9(1), 80-88.
  • Makarim, E. (2014). Kerangka Kebijakan Dan Reformasi Hukum Untuk Kelancaran Perdagangan Secara Elektronik (E-Commerce) Di Indonesia. Jurnal Hukum & Pembangunan, 44(3), 314. https://doi.org/10.21143/jhp.vol44.no3.25
  • Mckay, R. (2001). Women entrepreneurs: Moving beyond family and flexibility. International Journal of Entrepreneurial Behaviour & Research, 7(4), 148-165. https://doi.org/10.1108/EUM0000000005764
  • Musfiroh, M. F. S., Sabrina, L., & Wuragil, S. (2017). Kontribusi Perbankan Syariah Terhadap Perkembangan UMKM di Kecamatan Banjarnegara. Manarul Qur’an: Jurnal Ilmiah Studi Islam, 17(1), 136-158.
  • Nugroho, L. (2014). Role of Government Support to Micro Financing in Islamic Bank for Clean Water Connection to Low-Income Communities. Research Journal of Finance and Accounting, 5(4), 57-63.
  • Nugroho, L. (2020). Bank Syariah dan Dinamika Financial Technology (Fintek) Pada Era Revolusi Industri 4.0. In Eksistensi Bisnis Islami di Era Revolusi Industri 4.0 (pp. 153-181). Widina.
  • Nugroho, L., & Ali, A. J. (2020). E-Commerce to Improve Homemaker Productivity (Women Entrepreneur Empowerment at Meruya Utara, Kembangan District, West Jakarta, Indonesia). Amalee: Indonesian Journal of Community Research & Engagement, 1(01), 13-24.
  • Nugroho, L., Hidayah, N., Ali, A. J., & Badawi, A. (2020). E-Commerce to Improve Homemaker Productivity (Women Entrepreneur Empowerment at Meruya Utara, Kembangan District, West Jakarta, Indonesia). Amalee: Indonesian Journal of Community Research & Engagement, 1(01), 13-24.
  • Nugroho, L., Hidayah, N., & Badawi, A. (2018). The Islamic Banking, Asset Quality: “Does Financing Segmentation Matters” (Indonesia Evidence). Mediterranean Journal of Social Sciences, 9(5), 221-235. https://doi.org/10.2478/mjss-2018-0154
  • Nugroho, L., & Husnadi, T. C. (2014). State-Owned Islamic Bank (BUMN) in Realizing The Benefit of Ummah (Maslahah) and Indonesia as Islamic Financial Center in The World. In Proceedings in 11th International Research Conference on Quality, Innovation and Knowledge Management. Bandung. (pp. 1-21).
  • Nugroho, L., Husnadi, T. C., Utami, W., & Hidayah, N. (2017). Maslahah and Strategy to Establish A Single State-Owned Islamic Bank in Indonesia. Tazkia Islamic Finance and Business Review, 10(1), 17-33. Retrieved from http://www.tifbr-tazkia.org/index.php/TIFBR/article/view/97/106
  • Nugroho, L., & Tamala, D. (2018). Persepsi Pengusaha UMKM Terhadap Peran Bank Syariah. Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan), 3(1), 49-62.
  • Nugroho, L., Utami, W., & Doktoralina, C. M. (2019). Ekosistem Bisnis Wisata Halal dalam Perspektif Maqasid Syariah (Halal Tourism Business Ecosystem in the Maqasid Syariah Perspective). Perisai : Islamic Banking and Finance Journal, 3(2), 84-92. https://doi.org/10.21070/perisai.v3i2.1964
  • Nugroho, L., Utami, W., Sukmadilaga, C., & Fitrijanti, T. (2017). The Urgency of Allignment Islamic Bank to Increasing the Outreach (Indonesia Evidence). International Journal of Economics and Financial Issues, 7(4), 283-291.
  • Nugroho, L., Wiwik, U., Citra, S., & Tettet, F. (2017). The Urgency of Allignment Islamic Bank to Increasing the Outreach. International Journal of Economics and Financial Issues, 7(4), 283-291. Retrieved from https://www.econjournals.com/index.php/ijefi/article/view/4493/pdf
  • Otoritas Jasa Keuangan/OJK. (2019). Penyelenggara Fintech Terdaftar dan Berizin di OJK per 31 Mei 2019. Retrieved January 26, 2020, from https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Penyelenggara-Fintech-Terdaftar-dan-Berizin-di-OJK-per-31-Mei-2019.aspx
  • Palladan, A. A., & Adamu, A. M. (2019). Toward Mitigating Graduate Unemployment for Political Stability: The Role Electronic Commerce Technology. A PLS Approach. Cross Current Int J Econ Manag Media Stud, 1(1), 22-29. Retrieved from https://www.researchgate.net/publication/330985931
  • Pratiwi, A. (2016). Islamic banking contribution in sustainable socioeconomic development in Indonesia: An epistemological approach. Humanomics, 32(2), 98-120. https://doi.org/10.1108/H-12-2015-0085
  • Rifa, B. (2013). Efektivitas Pemberdayaan Usaha Mikro Kecil dan Menengah (UMKM) Krupuk Ikan dalam Program Pengembangan Labsite Pemberdayaan Masyarakat Desa Kedung Rejo Kecamatan Jabon Kabupaten Sidoarjo. Kebijakan Dan Manajemen Publik, 1(1), 130-136.
  • Rohana, A. (2020). Kondisi Ekonomi Digital Global dan Nasion. Retrieved January 26, 2020, from https://www.depokpos.com/2020/01/kondisi-ekonomi-digital-global-dan-nasional/
  • Rosyidi, K. (2018). Community Based E-Marketing: Pemasaran Online Berbasis Komunitas bagi IKM Minapolitan Patuguran Rejoso Pasuruan. SOEROPATI, 1(1), 93-102.
  • Suci, Y. R. (2017). Perkembangan UMKM (Usaha Mikro Kecil dan Menengah) di Indonesia. Jurnal Ilmiah Cano Ekonomos, 6(1), 51-58.
  • Sukmadilaga, C., & Nugroho, L. (2017). Pengantar Akuntansi Perbankan Syariah" Prinsip, Praktik dan Kinerja. Lampung, Indonesia: Pusaka Media.
  • Tedjasuksmana, B. (2015). Potret UMKM Indonesia Menghadapi Masyarakat Ekonomi ASEAN 2015. In The 7th NCFB and Doctoral Colloquium 2014 Towards a New Indonesia Business Architecture Sub Tema: “Business And Economic Transformation Towards AEC 2015” (pp. 189-202).
  • Vania, A. S., Nugraha, E., & Nugroho, L. (2018). Does Earning Management Happen in Islamic Bank? (Indonesia and Malaysia Comparison). International Journal of Commerce and Finance, 4(2), 47-59. Retrieved from https://databoks.katadata.co.id
  • Wajdi Dusuki, A. (2008). Banking for the poor: the role of Islamic babking in microfinance initiatives. Humanomics, 24(1), 49-66.
  • Widagdyo, K. G. (2015). Analisis Pasar Pariwisata Halal Indonesia. The Journal of Tauhidinomics, 1(1), 73-80.
  • Widiyanto, I., & Prasilowati, S. L. (2015). Perilaku Pembelian Melalui Internet. Jurnal Manajemen Dan Kewirausahaan (Journal of Management and Entrepreneurship), 17(2), 109-112. https://doi.org/10.9744/jmk.17.2.109-122
  • Yustati, H., & Handayani, D. L. (2017). Strategi Perbankan Syariah dalam Menyokong Indonesia Menjadi Trend Setter Industri Halal. Baabu Al-Ilmi, 2(1), 16-35.
Toplam 53 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular İşletme
Bölüm Araştırma Makalesi
Yazarlar

Lucky Nugroho 0000-0002-9613-1667

Erik Nugraha 0000-0002-0576-4662

Yayımlanma Tarihi 22 Haziran 2020
Kabul Tarihi 28 Nisan 2020
Yayımlandığı Sayı Yıl 2020 Cilt: 3 Sayı: 1

Kaynak Göster

APA Nugroho, L., & Nugraha, E. (2020). THE ROLE OF ISLAMIC BANKING AND E-COMMERCE FOR THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTREPRENEUR BUSINESSES. Business Economics and Management Research Journal, 3(1), 11-24.

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