Determination of the Intention of MSMEs Owners Using Sharia Cooperatives in Improving Indonesian Islamic Economic Empowerment

ABSTRAK Penurunan profit bisnis kecil akibat implikasi ekonomi pasca pandemi COVID-19. Persoalan struktur permodalan menjadi kendala dalam mempertahankan dan meningkatkan usahanya secara terus menerus seiring kerubahan zaman. Koperasi Syariah sebagai salah satu lembaga keuangan Islam yang keislaman lebih dekat eksistensi maupun teritorial dengan masyarakat tingkat bawah sehingga alternatif pengembangan usaha syariah sesuai persyaratan diberikan. Studi ini bertujuan untuk menganalisis pengaruh literasi sikap, sosial self-efficacy terhadap perilaku pemanfaatan produk koperasi di Indonesia. kuantitatif survey online melibatkan 280 calon anggota membutuhkan pembiayaan merupakan pemilik UMKM dijalankan teknik analisis SEM PLS. Hasil studi menunjukkan lalu dilanjutkan arah jalur dukungan hipotesis niat memilih solusi kebutuhan finansial ditemukan. Strategi manajerial khususnya pemasaran dikembangkan mempertimbangkan efek sikap positif, efikasi diri atau akan mereka tawarkan kepada pelanggan berkontribusi pada pertumbuhan sektor Generasi Millenial Hijau Indonesia melalui upaya promosi kerjasama. Kata Kunci: ASE Model, Ekonomi Islam, Syariah, Pemberdayaan, UMKM. ABSTRACT The decline in small business profits due to the post-COVID-19 pandemic economy. issue of capital structure is an obstacle maintaining and increasing development continuously line with changing times. Sharia cooperatives as one Islamic financial institutions are closer existence territorially lower level society so that they become alternative for community accordance requirements given. This study aims analyze effect literacy on attitudes, social influence application cooperative products Quantitative surveys involving prospective members who need financing MSME owners carried out PLS analysis technique. results show self-efficacy, then choosing direction hypothesis support intention find Cooperatives a solution needs MSMEs. Managerial strategies especially marketing developed taking into account effects positive or will offer their customers increase growth sector, Millennial Generation MSMEs Green through promotional efforts cooperation. Keywords: Economics, Cooperatives, Empowerment, REFERENCES Abourrig, A. (2021). Social predicting banking acceptance: Evidence from Morocco. International Journal Accounting, Finance, Auditing, 2(2), 42–56. https://doi.org/10.5281/zenodo.4641472 Ajzen, I. (1991a). theory planned behavior. Organizational Behavior Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T (1991b). Al-Awlaqi, M. 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