@phdthesis{digilib27294,
           month = {May},
           title = {ANALISIS DAMPAK PEMBIAYAAN MURABAHAH
TERHADAP PERKEMBANGAN USAHA MIKRO, KECIL, DAN
MENENGAH (UMKM)(STUDI KASUS DI BMT AL-MUTI?IN YOGYAKARTA)},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM. 13820162 HARRI LAKSONO},
            year = {2017},
            note = {Jauhar Faradis, S.HI., M.A},
        keywords = {Business Development, Murabahah Financing, BMT},
             url = {https://digilib.uin-suka.ac.id/id/eprint/27294/},
        abstract = {This study aims to know about the difference between capital, product, turnover,
fixed assets, and employees before and after obtaining murabahah financing by Sharia
Financial Services Cooperative BMT Al-Muthi'in Yogyakarta.
This research is a quantitative descriptive research. And the population of this
research is the micro, small and medium-scale businesses (MSMB) who get
murabahah financing from BMT Al-Muthi'in which totaled 357 customers. Sampling
method using simple random sampling. The number of samples of this research is 80
samples obtained by the Slovin formula. Data collection techniques used
questionnaires and documentation to obtain data on the development of MSMB before
and after obtaining murabahah financing. The analytical technique used in this study
is the Wilcoxon rank test.
The results of this study indicate that: (1) Based on calculation of wilcoxon sing
rank for capital variables obtained Z value of -7.774 with Asymp. Sig. (2-tailed)
amounting to 0,000 (0,000 {\ensuremath{<}}0.5) which means there is a difference of capital to MSMB
before and after using murabahah financing from BMT Al-Muthi'in Yogyakarta. (2)
Based on calculation of wilcoxon sing rank for the product variables obtained Z value
of -0,000 with Asymp. Sig. (2-tailed) amounting to 1,000 (1,000{\ensuremath{>}} 0,5) meaning that
there is no difference of Product to MSMB before and after using murabahah financing
from BMT Al-Muthi'in Yogyakarta. (3) Based on calculation of wilcoxon sing rank for
turnover variables obtained Z value of -7.775 with Asymp. Sig. (2-tailed) amounting
to 0,000 (0,000 {\ensuremath{<}}0.5), which means that there is a difference of turnover on MSMB
before and after using murabahah financing from BMT Al-Muthi'in Yogyakarta. (4)
Based on calculation of wilcoxon sing rank for fixed asset variable, Z value is -3.464
with Asymp. Sig. (2-tailed) amounted to 0.001 (0.001 {\ensuremath{<}}0.5), which means that there
are differences in fixed assets of MSMB before and after using murabahah financing
from BMT Al-Muthi'in Yogyakarta. And (5) Based on calculation of wilcoxon sing
rank for employee variable got Z value equal to -7,090 with Asymp. Sig. (2-tailed)
amounted to 0,000 (0,000 {\ensuremath{<}}0.5), which means the difference of Number of Employees
to MSMB before and after using murabahah financing from BMT Al-Muthi'in
Yogyakarta.}
}