The Effect of Sharia Financing in Sharia Financial Services Cooperatives (KJKS) on Microenterprise Development (A Case Study of BMT Mawaridussalam)
DOI:
https://doi.org/10.37680/ssa.10625Keywords:
Sharia Financing, Sharia Financial Services Cooperative (KJKS), Micro Enterprises, BMTAbstract
This study aims to analyze the contribution of sharia financing to the development of micro-enterprises among members of BMT Mawaridussalam. Micro-enterprise development is measured by comparing business conditions before and after receiving sharia financing, which includes increases in business income and micro-enterprise development scores. This study uses a quantitative approach with descriptive and comparative methods. The study population was all members receiving sharia financing at BMT Mawaridussalam, with a sample of 81 respondents selected using a purposive sampling technique. Data were collected through questionnaires and documentation, then analyzed using descriptive statistics and a Paired Sample t-Test using SPSS. The results indicate that sharia financing has a positive contribution to the development of micro-enterprises. Descriptive analysis shows that all respondents experienced an increase in business income after receiving sharia financing, with the majority of respondents in the Very Effective and Effective categories. In addition, the results of the Paired Sample t-Test showed a significant difference between the conditions of micro-enterprises before and after receiving sharia financing. These findings indicate that sharia financing distributed by BMT Mawaridussalam is effective in supporting the development of micro-enterprises by increasing business capital, business capacity, and business income.
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