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Journal : Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan

PEMBIAYAAN MUDHARABAH DAN DAMPAKNYA TERHADAP OMSET USAHA MIKRO DI KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH EL-UMMA TAMI NADIRAH; DENI LUBIS; ALLA ASMARA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.207

Abstract

Micro Enterprise Sector is a sector that has an important  role in the economy of the country. However the number of problems still felt by the sector, one of them  is the problem of capital. Mudharabah  financing can be an alternative for micro businesses to resolve the problem. KSPPS El-Umma  is one of the institution  that offer Mudharabah  financing for micro business actors in developing their business. This study aims to analyze the effectiveness of mudharabah financing and its impact on business turnover.  The method that used in this research is descriptive analysis method  using Likert  scale to measure  the effectiveness level of financing disbursed and to describe the impact of financing  on business development  also using Ordinary  Least Square (OLS) method to determine the factors that influence the business turnover. The result of analysis with Likert scale as a whole mudharabah financing distributed by KSPPS has been classified as effective, and there is business development  after getting financing  seen from the increase of business turnover.  The Factors that influencing the turnover of business are the length of business, age, the amount  of financing  and the term of financing.