Analisis Tingkat Kesehatan BMT dan Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan Usaha Mikro (Studi Kasus BMT Al-Azhar Maros)

Abstract

Micro enterprises has become the center of attention for the government and the society due to its significant roles in economics development. Micro enterprises; that holds a strategic role, is facing a common problem which is limited source of capital to operate its business. BMT, as the alternative choice of MFI is present among the society is used as source of credit for MSMEs. This research is to analyze the financial performances of BMT and the impact of sharia financing on the development of the micro enterprises which uses the assesment rasio from PINBUK and OLS. The result of the analysis indicates, that the financial performace of BMT period 2012-2014 has good performance. The factor that determines the income of the micro enterprise is the the length of the bussiness activitiy, the amount of the credit, and the length of the education spent by the bussiness owner.