Abstract
This article tries to explain the adoption innovation phenomenon of sharia banking in Surakarta, especially for small-scale enterprises in Surakarta. This paper tries to investigate some factors that are predicted stimulate the owners of small enterprises to adopt or not to adopt the sharia banking. Those factors were principle of religion about interest, profit sharing, financial risk, cost of fund and banking facility. Research suggests that there were no significant impact of all factors except profit sharing. To measure how they would adapt we tested by several factors of Rogers model such as relative advantage, compatibility, complexity, trialibility, and observability. The result showed that this innovation could be having a relative advantage and compatibility, had a significant effect on the adoption of innovation but not for three others factors. To test the hypothesis we use regression analysis, cross tabulation and chi-square statistic.
Highlights
Abstrak: Artikel ini bertujuan menjelaskan fenomena inovasi dalam penerapan perbankan syariah di Surakarta, terutama usaha kecil di Surakarta
This paper tries to investigate some factors that are predicted stimulate the owners of small enterprises to adopt or not to adopt the sharia banking
Research suggests that there were no significant impact of all factors except profit sharing. To measure how they would adapt we tested by several factors of Rogers model such as relative advantage, compatibility, complexity, trialibility, and observability
Summary
Hal ini dapat terlihat dari gabungan produk Ijaroh, Istisna, dan Murobahah yang secara total mencapai 50 persen dari total aktivitas bisnis yang dilakukan melalui bank syariah. Namun demikian produk yang cukup diminati oleh nasabah adalah mudarobah dan al-musyarokah, dimana sebanyak 23 persen dari total nasabah menggunakan produk tersebut. Namun demikian apabila data yang ditampilkan berasal dari keseluruhan kuesioner (80 kuesioner) yang berhasil diperoleh dalam masa penelitian, maka angka tersebut semakin turun dengan jumlah responden yang menjadi nasabah hanya berkisar 20 persen (Lihat Tabel 5). Hanya ada 3 persen responden yang sama sekali tidak ingin menjadi nasabah bank syariah dalam hal aktivitas pinjaman, dapat dilihat dalam Tabel 6. Kesesuaian dengan syariah Islam adalah alasan utama yang mendorong responden tertarik untuk menjadi nasabah Bank syariah. Hal ini dapat dilihat dari persentase responden sejumlah 29 persen yang memberikan jawaban pada alasan ini (Tabel 7)
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callMore From: Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan
Disclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
