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ISLAMIC FINANCIAL LITERACY, ISLAMIC FINANCIAL INCLUSIVENESS, AND RELIGIOSITY INCREASE THE INTENTION TO SAVE IN SHARIA BANKS
Fokus Ekonomi : Jurnal Ilmiah Ekonomi
Vol 20
, No 2
(2025)
The inclination to save in Islamic banks indicates the public's acceptance and utilization of Islamic banking savings products. Comprehending the determinants affecting this purpose is crucial for Islamic banks to formulate tactics that promote increased engagement. This study examines the impact of Islamic Financial Literacy (IFL), Islamic Financial Inclusiveness (IFI), and religiosity on students' intentions to save in Islamic banks. The study sample consists of persons who have completed cour...
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EFEK DISCOURAGED BORROWERS DAN KEUNGGULAN KOMPETITIF TERHADAP KINERJA USAHA UMKM
Jurnal Manajemen Sosial Ekonomi
Vol 5
, No 2
(2025)
There is a phenomenon in which MSME actors often feel reluctant to apply for credit from banking institutions due to various obstacles, such as concerns over application rejection, difficulties in fulfilling administrative requirements, lack of collateral, and high interest rates—this condition is referred to as "discouraged borrowers." The population in this study consists of MSME actors in the manufacturing industry in Central Java Province, and by using purposive sampling, a total sample of 3...
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