Analisis Pengaruh Pembiayaan Syariah terhadap Perkembangan Usaha Mikro Kecil Menengah di Kota Depok
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Published:
Jun 27, 2014
Keywords:
BMT, OLS, Logistic Regression, MSMEs.
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Abstract
Micro, Small and Medium Enterprises (MSMEs) have an important role to economic growth. Most of MSMEs faced common problem, i.e lack of capital. Baitul Maal wat Tamwil (BMT) as a micro finance institution exists as an institution conducting the provision of financial services to micro and small entrepreneurs. This study analyzed MSMEs access to BMT and its impact on business development by using logistic regression and OLS (Ordinary Least Square). The analysis shows the factors that affect the access of MSMEs to Islamic micro finance of BMT are the business period, business turnover, total assets, and the amount of savings. The number of Islamic micro financing has a positive influence on the development of MSME business. Factors that affect the value of turnover are the frequency of the financing, the period of business, and the amount of financing.
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[KEMENKOP] Kementerian Koperasi dan UKM. 2012. Perkembangan Data Usaha Mikro, Kecil, dan Menengah (UMKM), dan Usaha Besar (UB) Tahun 2011-2012. [internet]. [diunduh 2013 Desember 3]. Tersedia pada: http://www.depkop.go.id.
Primiana I. 2009. Menggerakkan Sektor Rill UKM & Industri. Bandung: Alfabeta.
Puspitasari H. 2012. Akses UMKM Terhadap Pembiayaan Mikro Syariah dan Dampaknya Terhadap Perkembangan Usaha (Kasus: BMT Tadbirul Ummah, Kabupaten Bogor). [Skripsi]. Bogor (ID): Institut Pertanian Bogor.
Ridwan M. 2004. Manajemen Baitul Maal Wa Tamwil (BMT). Yogyakarta: UII Press.
Septiana RM. 2013. Analisis Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan keuntungan UMKM Di Kabupaten Bogor. [Skripsi]. Bogor (ID): Institut Pertanian Bogor.
Siwang RS. 2012. Access To Formal Credit And The Success Of Micro, Small, And Medium Enterprises In Central Sulawesi, Indonesia. [Tesis]. Bogor (ID): Institut Pertanian Bogor.
Soemitra A. 2009. Bank dan Lembaga Keungan Syariah. Jakarta: Kencana.
Supriyanto. 2006. Pemberdayaan Usaha Mikro, Kecil, dan Menengah (UMKM) Sebagai Salah Satu Upaya Penanggulangan Kemiskinan. Jurnal Ekonomi dan Pendidikan. 3(1): 1-17.
Tambunan T. 2009. UMKM di Indonesia. Bogor (ID): Ghalia Indonesia.
Wijono W. 2005. Pemberdayaan Lembaga Keuangan Mikro Sebagai Salah Satu Pilar Sistem Keuangan Nasional: Upaya Konkrit Memutus Mata Rantai Kemiskinan. Kajian Ekonomi dan Keuangan. Jakarta.