Electronic Resource
Analisis Faktor-Faktor yang Mempengaruhi Karyawan dalam Mengambil Pembiayaan di Koperasi Syariah
Background – The existence of cooperatives whose initial purpose is to help meet
the needs of their members has also contributed to the National GDP of Rp. 451.95
trillion and it turns out that the contribution of Sharia cooperatives is below 2%.
Objective – The objective of this study is to analyze the factors that influence
employees in taking financing in sharia cooperatives so that they can be used by
sharia cooperatives to attract employees' interest in taking financing.
Research Method – Method of data analysis in this research using Structural
Equation Modelling – Part Least Square (SEM-PLS). The object of this research is
the employees of members and non-members of sharia cooperatives who work in
the areas of DKI Jakarta and West Java.
Findings – The findings of this study of the 6 factors that were analyzed only one
factor that did not affect the subjective norm while the other 5 factors, namely
attitudes towards behavior, behavioral perception control, religiosity, cooperative
staff and the process influenced employee interest in taking financing in Islamic
microfinance.
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