Analisis Kelayakan Usaha Koperasi Simpan Pinjam dan Pembiayaan Syariah di Kampung Batik Cibuluh Kota Bogor.

Abstract

Kampung Batik Cibuluh merupakan kampung wisata ramah muslim yang berbasis kepada kegiatan usaha mikro. Namun, pembatik dan pelaku usaha mikro di Kelurahan Cibuluh masih terkendala dalam mendapatkan layanan simpanan dan pembiayaan syariah, sehingga perencanaan usaha koperasi syariah perlu dilakukan. Penelitian ini bertujuan mengetahui minat masyarakat terhadap jasa simpanan dan pembiayaan syariah, mengetahui nilai willingness to pay terhadap jasa simpanan dan pembiayaan syariah, dan menganalisis kelayakan pendirian KSPPS di Kampung Batik Cibuluh. Metode analisis yang digunakan adalah metode analisis deskriptif, willingness to pay, dan analisis kelayakan finansial dan non finansial. Hasil penelitian menunjukkan masyarakat Kelurahan Cibuluh yang berminat dengan adanya koperasi syariah sebesar 78,9%, sehingga permintaan terhadap jasa simpanan dan pembiayaan sangat baik. Selanjutnya biaya simpanan pokok, simpanan wajib dan margin murabahah yang bersedia dibayarkan oleh masyarakat untuk memperoleh layanan simpanan dan pembiayaan syariah adalah Rp31.998,00, Rp15.442,00, dan 29,5%. Hasil dari analisis non finansial usaha KSPPS layak untuk dijalankan. Pada analisis finansial usaha KSPPS diperoleh nilai NPV sebesar Rp675.985.915, IRR sebesar 16,2% dan PP selama 7 tahun, sehingga secara finansial usaha KSPPS dinyatakan layak.

Cibuluh Batik Village is a Muslim-friendly tourist village based on micro business. However, batik makers and micro business actors in Cibuluh are still constrained in obtaining sharia saving and financing services, so that providing plan of sharia cooperative needs to be done. This research was conducted to determine public interest in sharia savings and loans services, determine the value of willingness to pay for sharia savings and financing services, and analyze the feasibility of establishing KSPPS in Cibuluh. The analytical methods used are descriptive analysis method, willingness to pay, and financial and non-financial feasibility studies. From the research, it is known that the people of Cibuluh who are interested in the existence of sharia cooperatives are 78.9%, so that the demand for savings and financing services is very good. Furthermore, the cost of principal savings, obligatory deposits, and margin murabahah that are willing to be paid by the public to obtain sharia savings and financing services are Rp31.998,00, Rp15.442,00 and 29,5%. The results of the nonfinancial analysis of the KSPPS business are feasible to run. In the financial analysis of the KSPPS business, the NPV value of Rp675.985.915, IRR of 16,2% and PP for 7 years, so that the KSPPS business is declared to be financially feasible.