PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN UMKM DI KECAMATAN LEUWILIANG (STUDI KASUS BPRS AMANAH UMMAH)

Linda Novita, M. Kholil Nawawi, Hilman Hakiem

Abstract


This study aims to determine the effect of murabaha financing to the growth of the customer's business. This growth can be seen from the number of customers each month income. This research is a study using a quantitative approach. The number of respondent of this study is 30 costumer of BPRS Amanah Ummah in Leuwiliang. The collection of data obtained from the two types of data are primary and secondary data is by using interviews and data were obtained from the BPRS Amanah Ummah. The technique used in this study is a sampling technique by taking a sample of a population. Analysis of data using correlation analysis, i.e. used to determine the relationship between the variables studied.
The results showed that the utilization of murabaha financing to the development of the customer's business has a positive and significant impact to the value of r product moment, that is df = (N - nr) df = 30-2 = 28. It can be stated with df of 28 at the significant level of 5% was obtained r table at 0,361 and at significant level of 1% was obtained r table at 0.423. Thus due ro r xy or greater than r table is (0.98) and (0.98) at significance level of 5% and 1%, by the significant level of 5% can be known of the relationship between murabaha financing with the development of UMKM, and at significant level of 1% can be found a positive relationship between murabaha financing the development of UMKM.

Keywords


murabaha financing, growth of UMKM, costumer income

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DOI: https://doi.org/10.32507/ajei.v5i2.324

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Al-Infaq: Jurnal Ekonomi Islam, p-ISSN: 2087-2178, e-ISSN: 2579-6453