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

Full Text:

PDF

References


Al-Qur’an dan Terjemahannya, Departemen Agama Republik Indonesia.

Abubakar. Diktat Kuliah Statistika Ekonomi dan Bisnis. 2012

Amin, A.Riawan, Menata Perbankan Syariah di Indonesia, Jakarta: Uin Press (UIN Syarif Hidayatullah), 2009.

Antonio, Muhammad Syafi’i, Bank Syariah Dari Teori Ke Praktik, Jakarta: Gema Insani Press, 2001.

Annual Report BPRS Amanah Ummah, 2013

Sukarno, Fahrudin. Etika Bisnis dalam Perspektif Ekonomi Islam. Bogor: Al Azhar Freshzone Publishing. 2013

Hasan, M. Ali, Berbagai Macam Transaksi Dalam Islam(Fiqh Muamalat, Edisi 1, Cetakan ke-2, Jakarta: PT Raja Grafindo Persada, 2004.

Himpunan Perundang-Undangan tentang Ekonomi Islam, Jakarta: Referensi, 2012

Huda, Nurul dkk, Ekonomi Makro Islam (Pendekatan Teoritis), Jakarta: Kencana Prenada Media Group, 2009.

Junaedi, Dedi, Pengembangan Usaha Agribisnis Perdesaan (PUAP) Syariah Vs Konvensional, Jakarta: Biro Umum dan Hubungan Masyarakat, 2013

Karim, Adiwarman, Bank Islam Analisis Fiqh dan Keuangan, Jakarta: PT Raja Grafindo Persada, 2007.

Kusumaningrat, Hikmat, Memberdayakan Ekonomi Rakyat Kecil, Bandung: Remaja Rosdakarya, 2009.

Mardani, Ayat-ayat dan Hadts Ekonomi Syariah, Jakarta: Raja Grafindo Persada, 2011.

Marsuki, Pemikiran dan Strategi Memberdayakan Sektor Ekonomi UMKM di Indonesia, Jakarta: Mitra Wacana Media, 2006.

M.Baga, Lukman dkk, Kewirausahaan dan Dayasaing Agribisnis, Bogor: PT Penerbit IPB Press, 2011.

Sedarmayanti dan Syaripudin Hidayat. Metodologi Penelitian. Bndung: Mandar Maju. 2011

Soemitra, Andri, Bank dan Lembaga Keuangan Syariah, Jakarta: Kencana Prenada Media Group, 2009.

Suharsimi Arikunto, Prosedur Penelitian Suatu Pendekatan Prakti, Jakarta: PT. Rineka Cipta 2010.

Sukarno, Fahrudin. Etika Bisnis dalam Persfektif Ekonomi Islam. Bogor: Al-Azhar Freshzone Publishing. 2013

Sulaiman, Thahir Abdul Muhsin, Menanggulangi Krisis Ekonomi Secara Islam, diterjemahkan oleh Anshori Umar Sitanggal, Bandung: Al-Ma’arif.1985.

Tambunan, Tulus T.H, Usaha Kecil dan Menengah di Indonesia: Beberapa Isu Penting, Jakarta: Salemba Empat. 2002.

Tambunan, Tulus T.H, Usaha Mikro, Kecil, dan Menengah di Indonesia, Bogor: Ghalia Indonesia, 2009.

Tanjung, Hendri & Abrista Devi, Metodologi Penelitian Ekonomi Islam, Jakarta: Gramata Publishing, 2013.

Undang-undang Republik Indonesia No. 20 Tahun 2008 Tentang Usaha Mikro, Kecil, dan Menengah dan Nomor 25 tahun 1992 tentang Perkoprasian. Cetakan VI, Bandung: Citra Umbara, 2011.

Purnamasari, Irma Devita & Suswinarno, Kiat-Kiat Cerdas, Mudah dan Bijak Memahami Masalah Akad Syariah, Bandung: PT. Mizan Pustaka, 2011.

Wangsawidjaja, Pembiayaan Bank Syariah. Jakarta: PT Gramedia Pustaka Utama, 2012.

Zainuddin, Hukum Perbankan Syariah. Jakarta: Sinar Grafika, 2010

www.bps.go.id




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

Refbacks

  • There are currently no refbacks.


Copyright (c) 2018 Linda Novita, M. Kholil Nawawi, Hilman Hakiem

 Indexed by:

Google ScholarGoogle ScholarGoogle ScholarGoogle Scholar 

  

 

License

© Copyright CC BY-SA

web analytics View My Stats

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