Abstract:
This study aims to determine the behavior of Small Enterprise Business or well-known as SME in
utilizing Islamic banks to support the country's economy. Indonesia should be the largest Muslim
country in the world should make Islamic Banks superior compared to Conventional Banks. However,
loans issued by Islamic banks were only 11,074 billion, which is very small compared to conventional
banks, which were 5,561,328 billion. Though Islamic banking creates services by developing products
to meet customer needs and continues to innovate current development. This research carries the
concept of Islamic Values and Syirkah that can influence Debt Intentions in Islamic Banks by using
the attitude of SME Entrepreneurs as well as moderating with religiosity. The research method used is
quantitative by distributing online questionnaires to SMEs entrepreneurs, data collected using
probability sampling with a sample of 250 entrepreneurs. The data obtained will be analyzed using the
Structural Equation Model (SEM). The stimulus offered by Islamic banks related to Islamic Values
and Syirkah as Muslim guidance plus individual religiosity contributes to implicitly and explicitly
influencing attitudes by increasing Islamic Bank customers. |
