| dc.contributor.advisor | Fitri, Resfa | |
| dc.contributor.advisor | Mahanani, Yekti | |
| dc.contributor.author | Harp, Aphylla Planifolia | |
| dc.date.accessioned | 2021-01-26T04:33:12Z | |
| dc.date.available | 2021-01-26T04:33:12Z | |
| dc.date.issued | 2021 | |
| dc.identifier.uri | http://repository.ipb.ac.id/handle/123456789/105418 | |
| dc.description.abstract | Keterbatasan modal merupakan masalah yang dihadapi oleh delapan puluh persen unit usaha mikro dan kecil (UMK) di Indonesia. Solusi pembiayaan syariah melalui peer-to-peer (P2P) lending syariah dapat menjadi alternatif modal usaha bagi UMK. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan peer-to-peer lending syariah terhadap kinerja dan kesejahteraan pelaku UMK. Hasil uji-t berpasangan menunjukkan bahwa terdapat perbedaan omzet, keuntungan, biaya usaha, dan jumlah tenaga kerja UMK antara sebelum dan sesudah mendapatkan pembiayaan. Analisis OLS menunjukkan bahwa jumlah pembiayaan, biaya usaha, tenaga kerja, dan lama usaha memengaruhi perubahan omzet UMK. Hasil analisis regresi logistik menunjukkan bahwa pendapatan rata-rata keluarga dan jumlah tabungan memengaruhi kesejahteraan pelaku UMK. Penelitian ini diharapkan menjadi referensi untuk memecahkan permasalahan permodalan bagi pelaku UMK dan memberikan informasi bagi pelaku industri teknologi finansial untuk memajukan industri teknologi finansial Indonesia. | id |
| dc.description.abstract | Limited capital is a problem faced by eighty percent of micro and small business enterprises (MSEs) in Indonesia. Islamic financing solutions through Islamic peer-to-peer (P2P) lending can be an alternative for business capital for MSEs. This study aims to analyze the effect of Islamic peer-to-peer lending financing on the performance and welfare of MSEs. The paired t-test results show that there are differences in turnover, profits, business costs and the number of labor between before and after receiving financing. OLS analysis shows that the amount of financing, business costs, labor, and length of business affect changes in MSE turnover. The results of the logistic regression analysis show that the average family income and the amount of savings affect the welfare of MSEs. This research is expected to be a reference for solving capital problems for MSEs and providing information for financial technology industry players to advance the Indonesian’s financial technology industry. | id |
| dc.language.iso | id | id |
| dc.publisher | IPB University | id |
| dc.title | Pengaruh Pembiayaan Peer-to-Peer Lending Syariah terhadap Kinerja dan Kesejahteraan Pelaku Usaha Mikro dan Kecil (Studi Kasus PT Ammana Fintek Syariah) | id |
| dc.title.alternative | The Effect of Islamic Peer-to-Peer Lending Financing on the Performance and Welfare of Micro and Small Business Enterprises (Case Study of PT Ammana Fintek Syariah) | id |
| dc.type | Undergraduate Thesis | id |
| dc.subject.keyword | Islamic financing, Islamic peer-to-peer (P2P) lending, performance, welfare, MSEs | id |
