Does motivation and switching intention affect the trader's decision to choose Baitul Maal wa Tamwil as the intervening variable?

Authors

  • Al-Amin Postgraduate Islamic Economics and Business, Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
  • Asyari Postgraduate Islamic Economics and Business, Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

DOI:

https://doi.org/10.54471/iqtishoduna.v13i2.2913

Keywords:

motivation, switching intention, interest, trader, push pull mooring

Abstract

For traders and business actors who are motivated and interested in transitioning from conventional to sharia, the existence of Islamic microfinance institutions like Baitul Maal wa Tamwil (BMT) Sidogiri is a blessing. However, it's not solely a blessing; other factors like push-pull mooring (PPM) also play a role, demonstrating the confidence and motivation of business actors in BMT. The purpose of this study is to analyze the effect of push-pull mooring (PPM) mediating, motivation, and switching intention on traders' decisions to choose BMT. The variables in this study include independent variables, namely motivation (X1), and intentiswitching(X2), and the trader's decision to choose BMT (Y), whereas the mediation variable is push-pull mooring (Z). We conducted this research on MSME traders in Mempawah District, West Kalimantan Province, and monitored their decision to choose BMT from September 2023 until its completion. The primary data for this study was collected through questionnaires distributed to MSME traders in Mempawah Regency, West Kalimantan Province. We used the Warp Partial Least Square program for data collection in this study. PLS is a causal modeling approach whose goal is to maximize variable variability. The results of this study are The study concludes that motivation significantly and positively influences push-pull mooring, switching significantly and positively influences the trader's decision to choose BMT, and switching intention significantly and positively influences the trader's decision to choose BMT. Push Pull Mooring Mediates the Influence of Motivation on the Trader's Decision to Choose BMT. Push Pull Mooring Mediates the Effect of Switching Intention on the Trader's Decision to Choose BMT.

Downloads

Download data is not yet available.

References

Adzkiya, Ubbadul. “Analisis Maqashid Al-Syariah Dalam Sistem Ekonomi Islam Dan Pancasila.” JESI (Jurnal Ekonomi Syariah Indonesia) 10, no. 1 (2020): 23. https://doi.org/10.21927/jesi.2020.10(1).23-35.

Al-Amin, Andespa, Wira, and Husnul Bashir. “Peran Baitul Maal Wa Tamwil (BMT) Sidogiri Unit Cabang Sui Kunyit Terhadap Pemberdayaan Usaha Mikro Kecil Di Desa Sui Kunyit Hulu.” BULLET: Jurnal Multidisiplin Ilmu 1, no. 6 (2022): 1214–27.

Arrosyid, Afif, and Eko Priyojadmiko. “Analisis Pengaruh Sikap, Norma Subjektif, Kontrol Perilaku Dengan Religiusitas Dan Niat Sebagai Variabel Moderasi Terhadap Keputusan Muzakki Dalam Membayar Zakat.” Quranomic: Jurnal Ekonomi Dan Bisnis Islam 1, no. 1 (2022): 15–37.

Asyari, Asyari. “Literature Review: The Effect of Prices and Income on Consumer Choice and Consumption in Islam,” 2023.

———. “Religiosity, Cultural Belief and Economic Behavior in Contemporary Moslim Minangkabau West Sumatera.” International Journal Applied Business and Economic Reseacrh (IJABER) 14, no. 13 (2016): 8813.

———. “Strengthen the Resilience of Small and Medium Enterprises (SMEs) in Covid-19 Pandemic through the Strengthening Entrepreneurial Orientation and Religiosity (A Conceptual Framework),” 2022.

Asyari, Mohammad Enamul Hoque, M Kabir Hassan, Perengki Susanto, Taslima Jannat, and Abdullah Al Mamun. “Millennial Generation’s Islamic Banking Behavioral Intention: The Moderating Role of Profit-Loss Sharing, Perceived Financial Risk, Knowledge of Riba, and Marketing Relationship.” Journal of Risk and Financial Management 15, no. 12 (2022): 590.

Bansal, Harvir S, Shirley F Taylor, and Yannik St. James. “‘Migrating’ to New Service Providers: Toward a Unifying Framework of Consumers’ Switching Behaviors.” Journal of the Academy of Marketing Science 33, no. 1 (2005): 96–115.

Bogue, J Yule. “Drugs of the Future.” ACS Publications, 1969.

Chul Oh, Heung, Muzaffer Uysal, and Pamela A. Weaver. “Product Bundles and Market Segments Based on Travel Motivations: A Canonical Correlation Approach.” International Journal of Hospitality Management 14, no. 2 (1995): 123–37. https://doi.org/10.1016/0278-4319(95)00010-A.

Ena, Zet, and Sirda H Djami. “Peranan Motivasi Intrinsik Dan Motivasi Ekstrinsik Terhadap Minat Personel Bhabinkamtibmas Polres Kupang Kota.” Among Makarti 13, no. 2 (2021).

Hastharita, Rafiqa. “Faktor-Faktor Yang Memengaruhi Keputusan Nasabah Memilih Jasa Bank Syariah Di Makassar.” Jurnal Hukum Ekonomi Syariah 4, no. 01 (2020): 66–80.

Herman, Nur Melianda. “Feasibility Analysis Of Financing Subsidized Mortgage Customers At Bank Btn Syariah Makassar Branch,” no. 10 (2022): 1–16.

Iskandar, Yelita Anggiane. “Factors Influencing the Intention of Jakarta Workers to Move to the State Capital in Kalimantan: From Systematic Literature Review to Conceptual Framework of Push-Pull-Mooring.” BERKALA SAINSTEK 11, no. 1 (2023): 50–59.

Kotler, Philip, and Kevin Lane Keller. “Menejemen Pemasaran.” Penerbit: Erlanggga. Jakarta, 2009.

Liu, Zhouying, Yuxiang Chris Zhao, Si Chen, Shijie Song, Preben Hansen, and Qinghua Zhu. “Exploring Askers’ Switching from Free to Paid Social Q&A Services: A Perspective on the Push-Pull-Mooring Framework.” Information Processing & Management 58, no. 1 (2021): 102396.

Makruflis, Muhammad. “Dampak Positif Sumber Daya Manusia Islami Bagi SDM Di Bank Syariah Mandiri KCP Ujung Tanjung Rohil.” Nathiqiyyah 2, no. 1 (2019).

Moon, Bruce. “Paradigms in Migration Research: Exploring’moorings’ as a Schema.” Progress in Human Geography 19, no. 4 (1995): 504–24.

Muliadi, Dedi. “Manajemen Pengelolaan Dan Pengembangan Usaha Pada UMKM Di Kabupaten Bogor (Studi Kasus Pada Usaha Makanan Fast Food).” Journal on Education 5, no. 4 (2023): 10976–88.

Mutia, Elma Juliani. “Pengaruh Referensi Dan Pelayanan Terhadap Keputusan Nasabah Dalam Memilih Produk Pembiayaan Murabahah Pada BMT Al-Aqobah Palembang.” UIN RADEN FATAH PALEMBANG, 2017.

Nurmaeni, Rokhmania, Siti Hasanah, and Mustika Widowati. “Analisis Pengaruh Hedonisme, Religiusitas, Motivasi, Dan Promosi Terhadap Keputusan Menabung Pada Bank Syariah (Studi Kasus Pada PT Bank BRI Syariah, Tbk Kantor Cabang Pembantu Majapahit Semarang).” Jurnal Tabarru’: Islamic Banking and Finance 3, no. 2 (2020): 303–12.

Pasi, Ida Royani. “Pengaruh Pengetahuan Dan Sikap Terhadap Perilaku Masyarakat Pada Bank Syariah.” Jurnal Al-Qasd Islamic Economic Alternative 1, no. 2 (2019): 189–201.

Potu, Janet, Victor P K Lengkong, and Irvan Trang. “Pengaruh Motivasi Intrinsik Dan Motivasi Ekstrinsik Terhadap Kinerja Karyawan Pada Pt. Air Manado.” Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi 9, no. 2 (2021).

Pradesyah, Riyan, and Nur Aulia. “Pengaruh Pembiayaan Murabahah Dan Musyarakah Terhadap Profitabilitas Pada PT. Bank Syariah Mandiri.” AGHNIYA: Jurnal Ekonomi Islam 3, no. 1 (2021). https://doi.org/10.30596/aghniya.v3i1.5852.

Purmiyati, Atik, Lucy Dyah Hendrawati, Ely Rahmawati, and Asan Ali Golam Hassan. “Assistance with The Economic Potential of Sharia Micro Enterprises (Baitul Maal Wat Tamwil and Sharia Cooperatives) and The Implementation of Local Culture Production to Reduce Poverty in Galis Village.” IQTISHODUNA: Jurnal Ekonomi Islam 13, no. 1 (2024): 175–86.

Puteri, Dhea Ananda, and Asyari Asyari. “The Effect of Digital Transformation On The Revitalization of Msmes In Pandemi Time With Digital Literacy As An Intervening Variable (Case Study of Micro Enterprises in the City of Bukittinggi).” Islamic Banking: Jurnal Pemikiran Dan Pengembangan Perbankan Syariah 8, no. 2 (2023): 217–38.

Risfandy, Tastaftiyan, Bimo Saktiawan, Vira Amalia Putri, Adennia Oktaviana Fadli, and Desti Indah Pratiwi. Institusi Dan Pasar Keuangan: Ekonomi Digital Dan Keuangan Syariah. Deepublish, 2023.

RONY, ABDILLAH. “PERTUMBUHAN LEMBAGA KEUANGAN SYARIAH DI TENGAH PANDEMI COVID-19 (Analisis Dampak Liquiditas Dan Laporan Keuangan Pada KSPPS-BMT Amanah Indonesia Wangon Banyumas).” IAIN Purwokerto, 2021.

Rosyid, Abd, Nurul Jannah, Wanda Nor Azizah, Wardatus Syarifah, and others. “IMPLEMENTASI SISTEM JEMPUT BOLA PADA PRODUK TABUNGAN‎ MUDHARABAH DI KSPPS BMT NU JAWA TIMUR CABANG KOTA‎ SUMENEP.” PROSIDING 1, no. 1 (2023): 89–96.

Sani, Ageng Asmara, Ragil Satria Wicaksana, and Dunyati Ilmiah. “Implikasi Adiba Msme Sebagai Instrumen Channeling Masyarakat Umkm Dalam Menggunakan Layanan Lembaga Keuangan Syariah.” Jurnal Tabarru’: Islamic Banking and Finance 2, no. 2 (2019): 38–49.

Septianti, Dian, and Melia Frastuti. “Pengaruh Penggunaan Media Berbasis Internet, Motivasi Intrinsik Dan Motivasi Ekstrinsik Terhadap Minat Berwirausaha Online Mahasiswa Universitas Tridinanti Palembang.” Jurnal Ilmiah Ekonomi Global Masa Kini 10, no. 2 (2019): 130–38.

Setianingrum, Nurul, Nur Hidayat, Rizky Insani Taqwim, and Rini Rahmawati. “Pawn.” IQTISHODUNA: Jurnal Ekonomi Islam 13, no. 1 (2024): 199–210.

Solekha, Yasmin Afnan, Alisa Qotrunnada Murdianah, Nofia Sri Lestari, and Rinda Asytuti. “Baitul Maal Wa Tamwil Sebagai Lembaga Keuangan Mikro Syariah Pemberdaya Ekonomi Umat (Konsep Dan Teori).” Velocity: Journal of Sharia Finance and Banking 1, no. 1 (2021): 44–58.

Sugandha, Adita Primadana, and Tias Andarini Indarwati. “Pengaruh Push, Pull, Dan Mooring Terhadap Switching Intention Pada Konsumen Pengguna Wifi Di Era Pandemi Covid-19.” Jurnal Ilmu Manajemen 9, no. 4 (2021): 1537–48. https://doi.org/10.26740/jim.v9n4.p1537-1548.

Wahyuni, Mirasanti. “Pengaruh Volume Pembiayaan Bagi Hasil Dan Pembiayaan Murabahah Terhadap Kinerja Keuangan Bank Umum Syariah Dengan NPF Sebagai Variabel Moderasi.” Jurnal EBBANK 7, no. 1 (2016): 1–10. http://ebbank/article/viewFile/84/85.

Wibowo, Anshor, and Nia Hariyati. “Pengaruh Budaya Dan Persepsi Masyarakat Non Muslim Terhadap Keputusan Menjadi Nasabah Bank Syariah Mandiri Kantor Cabang Pembantu Bengkalis.” JPS (Jurnal Perbankan Syariah) 1, no. 1 (2020): 29–42.

Yoon, Yooshik, and Muzaffer Uysal. “An Examination of the Effects of Motivation and Satisfaction on Destination Loyalty: A Structural Model.” Tourism Management 26, no. 1 (2005): 45–56. https://doi.org/10.1016/j.tourman.2003.08.016.

Downloads

Published

2024-10-01

How to Cite

Al-Amin, and Asyari. “Does Motivation and Switching Intention Affect the trader’s Decision to Choose Baitul Maal Wa Tamwil As the Intervening Variable?”. IQTISHODUNA: Jurnal Ekonomi Islam 13, no. 2 (October 1, 2024): 583–604. Accessed December 8, 2024. https://ejournal.iaisyarifuddin.ac.id/index.php/iqtishoduna/article/view/2913.

Issue

Section

Artikel