PEMBIAYAAN MUDHARABAH DAN DAMPAKNYA TERHADAP OMSET USAHA MIKRO DI KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH EL-UMMA

TAMI NADIRAH, DENI LUBIS, ALLA ASMARA

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.


Keywords


Effectiveness, Micro Business, Mudharabah Financing, Lending Cooperatives, Sharia Loan

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DOI: http://dx.doi.org/10.15548/al-masraf.v4i1.230

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