THE ROLE OF ISLAMIC BANKING AND E-COMMERCE FOR THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTREPRENEUR BUSINESSES

Abstract

The growth of online business transactions and people's behavior in the digital era has had an impact on bank business.The Islamic banking industry is one industry that is currently experiencing rapid development in Indonesia.Also, the micro, small, and medium business sector (MSMEs) is the backbone of Indonesia's economic growth.Therefore the purpose of this study is to ( i) analyze the influence of Islamic banking services on business improvement from MSMEs, (ii) analyze the effect of ecommerce on business improvement from MSMEs, and (iii) analyze the influence of Islamic banks and e-commerce on business improvement from MSMEs.The research method used is quantitative statistical software version 18 with multiple linear regression statistical methods.The results of this study are Islamic banks have a significant effect on increasing MSMEs business, and e-commerce has an insignificant impact on increasing MSMEs' business.However, e-commerce is an added value of Islamic bank services in improving MSMEs' business.The contribution of this research is to provide information, both to practitioners of Islamic banks and stakeholders related to the needs of the community, primarily entrepreneurs in the MSMEs segment for digital services that can facilitate them with online business transactions.

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