Analysis of Financing, Working Capital and Business Management in Improving Family Welfare in Kedai Durian Village

Authors

  • Cindy Alya Tantri Universitas Islam Negeri Sumatera Utara
  • Muhammad Ikhsan Harahap Universitas Islam Negeri Sumatera Utara
  • Muhammad Lathief Ilhamy Nasution Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.37680/ijief.v6i1.9919

Keywords:

Financing, Working Capital, Business Management, Family Welfare, BMT

Abstract

This study aims to analyze the role of financing, working capital, and business management in improving family welfare in Kedai Durian Village. Using a descriptive qualitative approach, data were collected through in-depth interviews with 10 informants who are active BMT customers. The number of informants was determined based on data saturation, where no new themes emerged after the eighth interview. Data were analyzed through data reduction, data presentation, and conclusion drawing. The results indicate that BMT financing significantly strengthened working capital, enabling inventory expansion, equipment purchase, and increased production capacity. Business management improvements measured through indicators such as financial record-keeping, stock planning, and customer service quality emerged organically as businesses grew. Family welfare improvements were multidimensional: economically, informants reported stable income enabling fulfillment of basic household needs, children's education, and savings; socially, business owners expanded community networks; and spiritually, all informants expressed inner peace from Sharia-compliant, interest-free financing aligned with Maqasid al-Shariah values. BMT financing thus functions as an integrated instrument of Islamic economic empowerment.

References

Ansari, M. R. Al, Hasibuan, A. M., Alfay, M. G., & Hayati, F. (2024). Analisis Peran Koperasi Syariah BMT Barokah Mumtaz di Lingkungan Lembaga Pendidikan Universitas Al Washliyah Medan. Jurnal IKRAITH-EKONOMIKA, 8(3), 1657–1668. https://doi.org/https://doi.org/10.37817/ikraith-ekonomika.v8i3

Arif, M., Rokan, M. K., & Kumala, R. (2023). Quadruple Helix Model in the Development of Halal Micro Business in North Sumatra. Share: Jurnal Ekonomi Dan Keuangan Islam, 12(1), 201. https://doi.org/10.22373/share.v0i0.15628

Astuti, H., Wijaya, S., & Agustina, M. (2023). Implementasi Marketing Mix 7P Pada Usaha Mikro Kecil Dan Menengah. Referensi : Jurnal Ilmu Manajemen Dan Akuntansi, 11(1), 1–14. https://doi.org/10.33366/ref.v11i1.4416

Badina, T., & Suharto, U. S. (2020). Prospek Asuransi Mikro Dalam Mengembangkan Pembiayaan Mikro di Banten. Jurnal Riset Akuntansi Terpadu, 13(2), 207–233. https://doi.org/10.35448/jrat.v13i2.9067

Daulay, A. H., Asmuni, A., & Harahap, I. (2023). Investment, Islamic Human Development Index and Banking Financing on Economic Growth and Their Impact on Labor Absorption. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 7(2), 339–346. https://doi.org/10.29313/amwaluna.v7i2.12493

Dewi, N. A., Hariani, A., & Ritonga, P. P. (2023). Analisis Manfaat Media Sosial Sebagai Pengembangan Umkm Di Kabupaten Deli Serdang. Kabillah (Journal of Social Community), 8(14), 129–143. https://doi.org/https://doi.org/10.35127/kabillah.v8i2

Faizuddin, M., Zuki, M., Arif, M., Ishak, F., & Hassan, M. H. (2025). A systematic literature review on the determinants of Islamic financial literacy among individuals. The Malaysian Journal of Islamic Sciences, 37(3), 1–21.

Gaja, E. I., Batubara, M., & Marliyah, M. (2024). Influence Investment, Financing, and MSMEs Against Growth Medan City Community Economy 2017-2022. Quantitative Economics and Management Studies, 5(5), 1011–1020. https://doi.org/10.35877/454ri.qems2862

Galih, M. S., Fitriyah, N., & Puspitasari L., I. (2022). Penerapan Standar Akuntansi Keuangan Syariah Dalam Penyusunan Laporan Keuangan Pada Koperasi Serba Usaha (Ksu) Bmt Al-Iqtishady. Jurnal Riset Mahasiswa Akuntansi, 2(3), 462–479. https://doi.org/10.29303/risma.v2i3.267

Harahap, M. A., & Soemitra, A. (2022). Studi Literatur Peran Lembaga Keuangan Mikro Syariah Dalam Meningkatkan Kesejahteraan. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(4), 1186–1198. https://doi.org/10.47467/alkharaj.v4i4.889

Hardani, N. A. (2020). Metode penelitian kualitatif dan kuantitatif. Pustaka Ilmu.

Hermayani, P., & Arif, M. (2022). Analisis Strategi Kualitas Kelembagaan Koperasi Pada Dinas Koperasi Provinsi Sumatera Utara. Jurnal Multidisiplin Dehasen (MUDE), 1(2), 51–54. https://doi.org/10.37676/mude.v1i2.2142

Marisa, D., Anggraini, T., & Syahriza, R. (2023). Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Asuransi Jiwa Pada Masa Pandemi Covid-19 (Studi Kasus Pt Asuransi Jiwa Syariah Bumi Putera Cabang Medan). (EKSYA) Jurnal Program Studi Ekonomi Syariah STAIN Madina, 4(2), 107–124. https://doi.org/: https://doi.org/10.56874/eksya.v4i2.1227

Maulina, R., Dhewanto, W., & Faturohman, T. (2023). The integration of Islamic social and commercial finance (IISCF): Systematic literature review, bibliometric analysis, conceptual framework, and future research opportunities. Heliyon, 9(11), e21612. https://doi.org/10.1016/j.heliyon.2023.e21612

Moloeng. (2018). Metode Penelitian Kualitatif. Remaja Rosda Karya.

Muljadi. (2017). Prospek Baitul Maal Wat Tamwil (Bmt) Dalam Memajukan Pengusaha Mikro. Dynamic Management Journal, 1(2). https://doi.org/10.31000/dmj.v1i2.249

Nabilah, N., & Suprayogi, N. (2017). Analisis Penyajian Laporan Keuangan Koperasi Syariah (Studi Kasus Pada BMT Muda Dan KJKS BMT Amanah Ummah Di Surabaya). Jurnal Ekonomi Syariah Teori Dan Terapan, 3(10), 843. https://doi.org/10.20473/vol3iss201610pp843-855

Nasution, M. I., Nasution, M. S. A., & Rahmani, N. A. B. (2024). Marketing Strategical Analysis of Products UMKM Markets with Tol. Kontigensi : Jurnal Ilmiah Manajemen, 12(1), 390–395. https://doi.org/10.56457/jimk.v12i1.570

Nasution, M. L. I., & Aini, R. (2022). Marketing Strategy for Financing Products of PT. Bank of North Sumatra KCP Syari’ah Simpang Kayu Besar. Jurnal Ekonomi Manajemen Akuntansi Dan Keuangan, 3(Marketing Strategy for Financing Products of PT. Bank of North Sumatra KCP Syari’ah Simpang Kayu Besar Strategi Pemasaran Produk Pembiayaan PT. Bank Sumut KCP Syari’ah Simpang Kayu Besar), 951–958.

Nurhalita, S., & Imsar. (2022). Peran Pemerintah Daerah Dalam Pemberdayaan Usaha Mikro Kecil Menengah (Umkm) Di Kabupaten Langkat. Maro: Jurnal Ekonomi Syariah Dan Bisnis, 5(1), 84–90. https://doi.org/10.31949/maro.v5i1.2282

Rahmani, N. A. B. (2022). Metodologi Penelitian Kualitatif dan Kuantitatif. In Rahmani.

Ramdhan, M. (2021). Metode penelitian. Cipta Media Nusantara.

Safas, P. N., Heriyanti, L., & Wijayanti, A. (2024). Analisis Modal Sosial Terhadap Keberlanjutan Kehidupan Sosial Ekonomi Nelayan Di Pondok Besi, Kota Bengkulu. Jurnal Ilmiah Sosiologi Agama (JISA), 7(2), 37. https://doi.org/10.30829/jisa.v7i2.21251

Safri, M. F., Saefudin, M., Assidiqy, J., & Purwanto, M. R. (2021). Pengaruh Baitul Maal Wa Tamwil(Bmt) Siti Halimah Terhadap Kemajuan Ekonomi Nasabahnya Di Kecamatan Prambanan Klaten. At-Thullab : Jurnal Mahasiswa Studi Islam, 3(2), 731–740. https://doi.org/10.20885/tullab.vol3.iss2.art2

Samsul. (2017). Metode Penelitian : Teori dan Aplikasi Penelitian Kualitatif, Kuantitatif, Mixed Method, dan Development. Pusaka.

Sari, L. P., & Yafiz, M. (2022). Analisis Program Dinas Perdagangan Kota Medan Terhadap Peningkatan Usaha Kecil Menengah (UKM) Pada Usaha Tape Di Kelurahan Baru Ladang Bambu Kecamatan Medan Tuntungan. J-CEKI : Jurnal Cendekia Ilmiah, 1(2), 106–112. https://doi.org/10.56799/jceki.v1i2.149

Sekaran, U., & Bougie, R. (2014). International Standard Classification of Occupations (ISCO). In Encyclopedia of Quality of Life and Well-Being Research (7th ed., pp. 3336–3336). Springer Netherlands. https://doi.org/10.1007/978-94-007-0753-5_102084

Sugyono. (2022). Metode Penelitian Kualiatatif. Alfabeta.

Supahmi, A., & RS, S. (2021). Peran Koperasi Mina Sejahtera Dalam Meningkatkan Kesejahteraan Nelayan Desa Muara. Tamkin: Jurnal Pengembangan Masyarakat Islam, 6(2), 231–252. https://doi.org/10.15575/tamkin.v6i2.24054

Utari, R., Harahap, I., & Syahbudi, M. (2022). Penerapan SAK EMKM Pada Usaha Mikro, Kecil dan Menengah Studi Kasus UMKM Kota Tanjungbalai. JIAKES: Jurnal Ilmiah Akuntansi Kesatuan, 10(3), 491–498. https://doi.org/10.37641/jiakes.v10i3.1449

Downloads

Published

2026-07-10

How to Cite

Tantri, C. A., Harahap, M. I., & Nasution, M. L. I. (2026). Analysis of Financing, Working Capital and Business Management in Improving Family Welfare in Kedai Durian Village. Indonesian Journal of Islamic Economics and Finance, 6(1), 615–632. https://doi.org/10.37680/ijief.v6i1.9919

Issue

Vol. 6 No. 1 (2026)

Section

Articles

License

Copyright (c) 2026 Cindy Alya Tantri, Muhammad Ikhsan Harahap, Muhammad Lathief Ilhamy Nasution

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

Copyright:

An author who publishes in Indonesian Journal of Islamic Ekonomics and Finance agrees to the following terms:

  • Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under a Creative Commons Attribution-NonCommercial 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
  • Author is able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book) with the acknowledgment of its initial publication in this journal.
  • Author is permitted and encouraged to post his/her work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of the published work (See The Effect of Open Access).

License:

  • Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.

  • NonCommercial — You may not use the material for commercial purposes.

  • No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.

You are free to:

  • Share — copy and redistribute the material in any medium or format
  • Adapt — remix, transform, and build upon the material

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.