Achyar, M Ridhotul (2024) Pengaruh Promosi Dan Literasi Keuangan Syariah Terhadap Keputusan Pembiayaan Usaha Mikro Kecil Dan Menengah (umkm) Di Desa Gunung Bungsu Kabupaten Kampar. Other thesis, Universitas Islam Riau.

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Abstract

THE INFLUENCE OF PROMOTION AND SHARIA FINANCIAL LITERACY ON FINANCING DECISIONS FOR MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) IN GUNUNG BUNGSU VILLAGE The purpose of this research was to determine the influence of promotion and sharia financial literacy variables on the financing decisions of MSMEs in Gunung Bungsu Village. This study was a field research. The population consisted of Micro, Small, and Medium Enterprises (MSMEs) in Gunung Bungsu Village, totaling 32 businesses. The sampling technique used was a census method, where all members of the population were taken as samples, amounting to 32 MSMEs. Data were collected using purposive sampling techniques, measured with a Likert scale, and processed using SPSS 27.The results showed that promotion significantly influenced financing decisions, as evidenced by a t-value of 3.543 > t-table of 2.03, and a significance level of 0.11 < 0.05 for the effect of X1 on Y. Sharia financial literacy had a negative influence on financing decisions, indicated by a t-value of -2.701 < 2.03 and a significance level of 0.009 < 0.05. This indicated a significant but negative effect of financial literacy on financing decisions. Simultaneously, promotion and financial literacy influenced financing decisions, with a significance value of 0.001 (below 0.05) and an f-value of 5.251 > f-table of 0.780. This showed that whether tested separately or combined, the variables of promotion (X1) and financial literacy (X2) influenced financing decisions (Y) by 32%, while the remaining 68% was influenced by other variables not included in this study.

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