Sharia Faculty, Universitas Islam Bandung, Bandung, Jawa Barat, 40116, Indonesia.
F1000Res. 2021 Dec 22;10:1310. doi: 10.12688/f1000research.76001.2. eCollection 2021.
: SMEs have made a major contribution to the national economy, but Pandemic covid-19 made the decline of SMEs which directly affected the economy in Indonesia. The purpose of this research focus to explore the innovation of business models the novelty of the research model in the business model of innovation research models is to include the variable self-efficacy. This research emphasizes self-efficacy and Islamic financial literacy as independent variables, business model innovation as an intermediate model and business performance variables as dependent variables, with the focus of research on SMEs. : This quantitative study uses partial least square structural equation modeling (PLS-SEM) and a questionnaire survey to analyze the 40 Street Vendors which is categorized as SMEs around Unisba. In the initial stages, the Questionnaire was tested with the Validity and Reliability test. In the PLS-SEM analysis, the validity of the indicators / items forming latent variables is based on the significance value of t arithmetic obtained from the loading factor value divided by the standard error. After being collected, the data is then processed and analyzed. The analytical method used in this study is the simultaneous equation model, namely Partial Least Square (PLS). The statistical tool used to test the hypothesis is Smart PLS. : The results showed that self-efficacy and Islamic financial literacy through business model innovation, had a positive effect on SMEs business performance simultaneously or partially. : So that by having good self-efficacy and good Islamic financial literacy plus an appropriate business innovation model, it will improve the business performance of SMEs.
中小企业为国民经济做出了重大贡献，但大流行 covid-19 使中小企业的业绩下降，直接影响了印度尼西亚的经济。这项研究的目的是探讨商业模式的创新，研究模型的新颖性在于将自感效能变量纳入商业模式创新研究模型中。本研究强调自感效能和伊斯兰金融素养作为自变量、商业模式创新作为中介变量以及业务绩效变量作为因变量，以中小企业为研究重点。本定量研究使用偏最小二乘法结构方程建模 (PLS-SEM) 和问卷调查，分析了 Unisba 周围 40 家被归类为中小企业的街头小贩。在初始阶段，使用有效性和可靠性测试对问卷进行了测试。在 PLS-SEM 分析中，形成潜在变量的指标/项目的有效性基于从负载因子值除以标准误差获得的 t 算法的显着性值。收集后，数据将进行处理和分析。本研究中使用的分析方法是联立方程模型，即偏最小二乘法 (PLS)。用于检验假设的统计工具是 Smart PLS。结果表明，自感效能和伊斯兰金融素养通过商业模式创新，同时或部分对中小企业的业务绩效产生积极影响。因此，通过具有良好的自感效能和良好的伊斯兰金融素养以及适当的业务创新模式，将提高中小企业的业务绩效。
