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.
Collections
- UT - Syariah Economic [394]