<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR"^^ . "Background of the problem: In this modern era, small traders\r\nplay a crucial role in regional economic development but face\r\nsignificant challenges, particularly in accessing capital. Despite being\r\nprohibited in Islamic teachings, the practice of loan sharking persists\r\ndue to limited income and financial information. Small traders are\r\npivotal in transforming income generation amid dynamic economic\r\nconditions. However, a persistent challenge is their access to adequate\r\nfinancial resources, leading them to frequently engage with loan\r\nsharks to develop their businesses. The enduring issue is the high\r\ndependency on loan sharks, which remains prevalent.\r\nProblem: Small traders often choose loan sharks due to the\r\nsimplicity and speed of the procedures despite the exorbitant interest\r\nrates, potentially causing long-term financial issues. Conversely,\r\nformal financial institutions, which offer loans at lower interest rates\r\nand are regulated by the government, present more complex\r\nprocedures and requirements that are challenging for small traders to\r\nmeet. The complexity of factors influencing financial interactions with\r\nloan sharks has not been adequately addressed. The primary reason is\r\nthe easier access to loans from loan sharks compared to formal\r\nfinancial institutions. Therefore, this research aims to uncover the\r\ncausal relationships between variables that influence small traders’\r\ndecisions to interact with loan sharks.\r\nMethodology: This study employs a microeconomic approach\r\nto understand the borrowing behavior of small traders. The\r\nmethodology uses an explanatory multivariate approach with\r\nStructural Equation Modeling Partial Least Squares (SEM PLS) to\r\nexplain the causal relationships between observed variables, including\r\nrelevant factors. The research aims to test data implications and\r\nprovide a more accurate reference for financial information in the\r\ncontext of small traders.\r\nResearch Findings: The research finds that small traders’\r\ndecisions to borrow from loan sharks align with rational choice theory, opting for the quickest and most accessible option despite high-interest\r\nrisks. Loan sharking remains prevalent because loan sharks understand\r\nthe needs and conditions of small traders. In contrast, formal financial\r\ninstitutions struggle to attract small traders due to limited accessibility\r\nand understanding. The findings contribute to a deeper understanding\r\nof the financial behavior transformation of small traders. This research\r\nalso provides insights into better-planned financial access and\r\nsignificantly informs loan shark customers about the risks and interest\r\nlosses associated with loan shark loans. It is hoped that this\r\ndissertation can contribute to formulating a more inclusive and\r\nsustainable Islamic economic strategy.\r\nContributions in the Field of Economics: This research\r\nenhances the understanding of small traders’ economic behavior\r\nregarding borrowing decisions. It applies rational choice theory and\r\nthe theory of planned behavior within a microeconomic context. The\r\nstudy provides insights for developing more inclusive and effective\r\nmicrofinance policies to reduce dependency on loan sharks. It also\r\nemphasizes the need for more effective interventions from formal and\r\nsharia financial institutions in providing capital access to small traders.\r\nAdditionally, increasing financial literacy among small traders is\r\nessential to reduce dependency on loan sharks and encourage the use\r\nof formal financial services."^^ . "2025-01-13" . . . . "UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . "PASCASARJANA, UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . . . . . . . "NIM.: 19300012002"^^ . "Fatmawati Sungkawaningrum"^^ . "NIM.: 19300012002 Fatmawati Sungkawaningrum"^^ . . . . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Text)"^^ . . . . . "19300012002_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"^^ . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Text)"^^ . . . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Other)"^^ . . . . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Other)"^^ . . . . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Other)"^^ . . . . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Other)"^^ . . . . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Other)"^^ . . . . . . "lightbox.jpg"^^ . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Other)"^^ . . . . . . "preview.jpg"^^ . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Other)"^^ . . . . . . "medium.jpg"^^ . . . "DETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR (Other)"^^ . . . . . . "small.jpg"^^ . . "HTML Summary of #70301 \n\nDETERMINAN KEPUTUSAN MASYARAKAT MEMINJAM UANG KE RENTENIR\n\n" . "text/html" . . . "332 Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan" . .