Please use this identifier to cite or link to this item:
http://repository.ipb.ac.id/handle/123456789/109689
Title: | Pengaruh Pembiayaan LKMS terhadap Pendapatan Pelaku Usaha Mikro (BMT An-Nur, Banjarnegara) |
Other Titles: | The Effect of Financing Program in Microfinance Institution (LKMS) towards the Income of Micro Enterprises Doers (BMT An-Nur, Banjarnegara) |
Authors: | Effendi, Jaenal Salsabela, Yustika Nabila |
Issue Date: | 2021 |
Publisher: | IPB University |
Abstract: | Usaha Mikro (UM) sangat berperan dalam membangun perekonomian Indonesia. Terbatasnya modal membuat pengembangan usaha mikro kian sulit. Baitul Maal wat Tamwil (BMT) termasuk bagian lembaga keuangan mikro syariah yang bisa menjadi pendukung permodalan usaha mikro. Satu diantara akad yang digunakan untuk pembiayaan Usaha Mikro di BMT An-Nur yaitu akad Mudharabah. Tujuan penelitian ini yaitu untuk menganalisis pengaruh karakteristik responden dan karakteristik usaha responden terhadap pendapatan pelaku usaha mikro. Metode yang dipergunakan yakni metode Regresi Linier Berganda dengan estimasi OLS dan metode Uji T Berpasangan. Hasil dari penelitian ini yaitu analisis deskriptif berupa karakteristik responden adalah usia dan pendidikan dan untuk karakteristik usaha responden berupa lama usaha, jarak, omset dan pembiayaan pendaptan pelaku usaha mikro memiliki perbedaan setelah melakukan pembiayaan di BMT An-Nur. Variabel yang secara positif signifikan memengaruhi pendapatan adalah pembiayaan yang diambil responden pendidikan, jarak, dan variabel lama usaha. Micro Enterprises plays a very important role in building the Indonesian economy. Limited capital makes the development of micro-enterprises increasingly difficult. Baitul Maal wat Tamwil (BMT) is part of a sharia microfinance institution that can support micro-enterprise capital. One of the contracts used to finance Micro Enterprises at BMT An-Nur is mudharabah. The purpose of this study is to analyze the effect of respondent characteristics and business characteristics of respondents on the income of micro-enterprises. The method used in this study is the Multiple Linear Regression method with estimation OLS and the Paired T Test method. The results of the research are descriptive analysis of the characteristics of the respondents is age and education, and the business characteristics of the respondents islength of business, distance, turnover and financing. The variables that have a significant positive effect on income are the financing taken by the respondent, education, distance, and the variable length of business. The income of micro business actors has a difference after financing at BMT An-Nur. |
URI: | http://repository.ipb.ac.id/handle/123456789/109689 |
Appears in Collections: | UT - Syariah Economic |
Files in This Item:
File | Description | Size | Format | |
---|---|---|---|---|
Cover, Lembar Pengesahan, Prakata, Daftar Isi.pdf Restricted Access | Cover | 2.54 MB | Adobe PDF | View/Open |
H54170080_Yustika Nabila Salsabela.pdf Restricted Access | Fullteks | 8.69 MB | Adobe PDF | View/Open |
Lampiran.pdf Restricted Access | Lampiran | 2.07 MB | Adobe PDF | View/Open |
Items in DSpace are protected by copyright, with all rights reserved, unless otherwise indicated.