PERAN BAITUL MAAL WAT TAMWIL (BMT) TERHADAP PERKEMBANGAN USAHA DAN PENINGKATAN KESEJAHTERAAN ANGGOTANYA DARI SEKTOR USAHA MIKRO

Fasilyana, Tika, Mustofa, Ardyan Firdausi and Hartono, Arif (2019) PERAN BAITUL MAAL WAT TAMWIL (BMT) TERHADAP PERKEMBANGAN USAHA DAN PENINGKATAN KESEJAHTERAAN ANGGOTANYA DARI SEKTOR USAHA MIKRO. ASSET: JURNAL MANAJEMEN DAN BISNIS, 2 (2). pp. 56-70. ISSN 2614-5502

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Abstract

Baitul Maal wat Tamwil (BMT) is one of the financial institutions that
protects the middle to lower classes from the interest system implemented by loan
sharks who set high interest rates on their customers. One of the activities carried
out by BMT institutions is coaching and financing or lending to members or
customers to increase business capital that is run. Lack of financial access to
microbusinesses is a problem that often occurs in microbusinesses. This study
aims to analyze the effect of BMT financing and business coaching by the BMT on
business development and improving the welfare of its members. This research
was conducted at BMT Surya Kencana Ponorogo. The variables of this study
include BMT financing, business development, business development, and welfare
improvement. The sample in this study was 95 respondents.The analysis model in
this study uses Partial Least Square (PLS). Statistical test results show that in the
first hypothesis, BMT financing has a significant effect on business development,
so that more and more funding is taken by customers or members, so that the
business that is run will also develop. The results of the second hypothesis show
that business development has a significant effect on business development, so
that the higher the guidance provided, the business that is run will experience
development. The results of the research on the third hypothesis show that BMT
financing has a significant effect on improving welfare, so that more and more
customer or member welfare financing has increased. The results of the fourth
hypothesis show that business development has a significant effect on improving
welfare, so that developing businesses will increase income and customers or
members will experience increased welfare. Thus the financing and guidance that
has been carried out by BMT has been in accordance with the principles of sharia
and the main purpose of establishing a BMT financial institution.

Item Type:	Article
Uncontrolled Keywords:	BMT, BMT Financing, Business Development, Business Development, Welfare Improvement
Subjects:	H Social Sciences > HC Economic History and Conditions H Social Sciences > HX Socialism. Communism. Anarchism
Divisions:	Faculty of Economic
Depositing User:	Library Umpo
Date Deposited:	31 Dec 2021 06:37
Last Modified:	15 Mar 2022 03:52
URI:	https://eprints.umpo.ac.id/id/eprint/8587

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