MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)

Empowerment of SMEs is a strategic step to improve and strength the basis of economic life for most of Indonesian people. During its development, SMEs are still having problems, especially in a capital. To overcome this finance obstacle, it is necessary to improve and develop some access-financing s...

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Autores principales:	Achmad Fajaruddin, Aulia Ulfa Nurfitriyani
Formato:	article
Lenguaje:	AR EN ID
Publicado:	Universitas Darussalam Gontor 2014
Materias:	mudharabah kjks ukm Islam. Bahai Faith. Theosophy, etc. BP1-610 Economic theory. Demography HB1-3840
Acceso en línea:	http://dx.doi.org/10.21111/iej.v2i2.177 https://doaj.org/article/5a2b94815dec428eb11a6aeff0c64960
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spelling	oai:doaj.org-article:5a2b94815dec428eb11a6aeff0c649602021-11-08T07:28:02ZMEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)http://dx.doi.org/10.21111/iej.v2i2.1772460-18962541-5573https://doaj.org/article/5a2b94815dec428eb11a6aeff0c649602014-06-01T00:00:00Zhttps://ejournal.unida.gontor.ac.id/index.php/JEI/article/view/177https://doaj.org/toc/2460-1896https://doaj.org/toc/2541-5573Empowerment of SMEs is a strategic step to improve and strength the basis of economic life for most of Indonesian people. During its development, SMEs are still having problems, especially in a capital. To overcome this finance obstacle, it is necessary to improve and develop some access-financing sources. One of them is to activate a cooperative enterprise. ICE of Mitra Amanah Sejahtera is an Islamic financial institution that given a financing provision based on mudharabah system. In this research, the researcher discusses about the mechanism of mudharabah financing conducted by ICE of Mitra Amanah Sejahtera for SMEs. In addition, the researcher continues her research on respondent perceptions toward mudharabah financing. Furthermore, this research was continuing by compare their prior revenue and after engaging into mudharabah financing. This research includes a case study, which used a phenomenological approach. The population in this research was all of SMEs that obtained the mudharabah financing at ICE of Mitra Amanah Sejahtera, amounting to 1500 customers and by slovin formula there are 94 data as a sample. The research comes with a result that the mechanism of mudharabah financing from ICE of Mitra Amanah Sejahtera used the principle to provide a maximum funding on Rp. 1 million, with no collateral and based on trusty principles. In general, mudharabah system that has been undertaken by this cooperative can provide some benefits for its members. Their perceptions toward mudharabah financing at ICE of Mitra Amanah Sejahtera were as follow: these are some benefits that perceived the borrowers (82.98%), there is a significant influence on business development (83.30%), respondent satisfied toward mudharabah mechanism (79.79%), an easy administration (77.66%) and respondent satisfied toward mudharabah contract (81.92%). From paired test result, there is significant difference between the prior revenue and after engaging into financing. Thus, can be seen from small and medium enterprises’ prior revenues and after engaging into mudharabah financing with average revenue of Rp. 261.968. Based on this research, the researcher prefers to suggest the ICE of Mitra Amanah Sejahtera to maintain the mechanism of mudharabah financing, especially in order to develop a micro-economic life from it capital difficulties.Achmad FajaruddinAulia Ulfa NurfitriyaniUniversitas Darussalam GontorarticlemudharabahkjksukmIslam. Bahai Faith. Theosophy, etc.BP1-610Economic theory. DemographyHB1-3840ARENIDIslamic Economics Journal, Vol 2, Iss 2, Pp 305-314 (2014)
institution	DOAJ
collection	DOAJ
language	AR EN ID
topic	mudharabah kjks ukm Islam. Bahai Faith. Theosophy, etc. BP1-610 Economic theory. Demography HB1-3840
spellingShingle	mudharabah kjks ukm Islam. Bahai Faith. Theosophy, etc. BP1-610 Economic theory. Demography HB1-3840 Achmad Fajaruddin Aulia Ulfa Nurfitriyani MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)
description	Empowerment of SMEs is a strategic step to improve and strength the basis of economic life for most of Indonesian people. During its development, SMEs are still having problems, especially in a capital. To overcome this finance obstacle, it is necessary to improve and develop some access-financing sources. One of them is to activate a cooperative enterprise. ICE of Mitra Amanah Sejahtera is an Islamic financial institution that given a financing provision based on mudharabah system. In this research, the researcher discusses about the mechanism of mudharabah financing conducted by ICE of Mitra Amanah Sejahtera for SMEs. In addition, the researcher continues her research on respondent perceptions toward mudharabah financing. Furthermore, this research was continuing by compare their prior revenue and after engaging into mudharabah financing. This research includes a case study, which used a phenomenological approach. The population in this research was all of SMEs that obtained the mudharabah financing at ICE of Mitra Amanah Sejahtera, amounting to 1500 customers and by slovin formula there are 94 data as a sample. The research comes with a result that the mechanism of mudharabah financing from ICE of Mitra Amanah Sejahtera used the principle to provide a maximum funding on Rp. 1 million, with no collateral and based on trusty principles. In general, mudharabah system that has been undertaken by this cooperative can provide some benefits for its members. Their perceptions toward mudharabah financing at ICE of Mitra Amanah Sejahtera were as follow: these are some benefits that perceived the borrowers (82.98%), there is a significant influence on business development (83.30%), respondent satisfied toward mudharabah mechanism (79.79%), an easy administration (77.66%) and respondent satisfied toward mudharabah contract (81.92%). From paired test result, there is significant difference between the prior revenue and after engaging into financing. Thus, can be seen from small and medium enterprises’ prior revenues and after engaging into mudharabah financing with average revenue of Rp. 261.968. Based on this research, the researcher prefers to suggest the ICE of Mitra Amanah Sejahtera to maintain the mechanism of mudharabah financing, especially in order to develop a micro-economic life from it capital difficulties.
format	article
author	Achmad Fajaruddin Aulia Ulfa Nurfitriyani
author_facet	Achmad Fajaruddin Aulia Ulfa Nurfitriyani
author_sort	Achmad Fajaruddin
title	MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)
title_short	MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)
title_full	MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)
title_fullStr	MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)
title_full_unstemmed	MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)
title_sort	mekanisme pembiayaan mudharabah untuk usaha kecildan menengah (ukm) (studi kasus di koperasi jasa keuangan syariah (kjks) mitra amanah sejahtera semarang tahun 2011-2012)
publisher	Universitas Darussalam Gontor
publishDate	2014
url	http://dx.doi.org/10.21111/iej.v2i2.177 https://doaj.org/article/5a2b94815dec428eb11a6aeff0c64960
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MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (STUDI KASUS DI KOPERASI JASA KEUANGAN SYARIAH (KJKS) MITRA AMANAH SEJAHTERA SEMARANG TAHUN 2011-2012)

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