ANALISIS DAMPAK PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN USAHA MIKRO, KECIL, DAN MENENGAH (UMKM)(STUDI KASUS DI BMT AL-MUTI’IN YOGYAKARTA)

HARRI LAKSONO, NIM. 13820162 (2017) ANALISIS DAMPAK PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN USAHA MIKRO, KECIL, DAN MENENGAH (UMKM)(STUDI KASUS DI BMT AL-MUTI’IN YOGYAKARTA). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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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 <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> 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 <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 <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 <0.5), which means the difference of Number of Employees to MSMB before and after using murabahah financing from BMT Al-Muthi'in Yogyakarta.

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