Journal of Contemporary Islamic Law

No eISSN: 0127-788X
I

2017 2(2)

30 DECEMBER 2017

Impak Kewangan Mikro Shariah Kepada Prestasi Usaha Usahawan Mikro: Kajian di Koperasi Shariah Baitul Qiradh Acheh
The Impact of Shariah Finance Micro towards the Performance of the Micro Bussiness Entrepenuer: A Study of The Shariah Cooperation of Baitul Qiradh Acheh

Asmawati Binti Husaini, asmawati_husaini@yahoo.co.id
Postgraduate Student, Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Shofian Bin Ahmad, shofian@ukm.edu.my
Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Muhammad Adib Bin Samsudin, adib@ukm.edu.my
Department of Sharia Law, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Received: 1 September 2016 | Accepted: 22 July 2017 | Published: 30 December 2017

2017, Vol. 2(2), pp. 1-23.  |  PDF

Kewangan mikro telah dikenal sebagai alat pembangunan sosial ekonomi masyarakat dan pembanterasan kemiskinan. Artikel ini bertujuan untuk menilai kesan pembiayaan mikro shariah kepada prestasi usahawan mikro dalam kalangan pelanggan koperasi shariah Baitul Qiradh Aceh, Indonesia. Usahawan mikro adalah sektor yang mempunyai peranan kuat dalam pembangunan ekonomi negara. Variabel bersandar kajian ini adalah pendapatan dan hasil penjualan, manakala variabel bebas yang digunakan adalah umur, taraf pendidikan, umur perusahaan, jumlah pembiayaan, pemilikan tabungan dan penyertaan dalam pelatihan. Analisis ujian Wilcoxon t mendapati peningkatan pendapatan dan hasil penjualan bulanan sebelum dan sesudah menyertai pembiayaan. Selain itu, analisis data dengan menggunakan Korelasi Spearman turut menggariskan adanya perhubungan signifikan faktor umur kepada prestasi perusahaan pada kadar yang lemah. Manakala taraf pendidikan, umur usahawan, kepemilikan tabungan dan penyertaan pelatihan pengurusan mempunyai perhubungan positif kepada prestasi usahawan dalam kadar perhubungan yang kuat. Manakala perhubungan positif signifikan jumlah pembiayaan kepada prestasi usahawan dengan kadar sangat kuat. Begitupun hubungan kuat negatif antara prestasi usaha dengan penyertaan dalam pelatihan. Oleh itu, Baitul Qiradh Aceh perlu meningkatkan jumlah pembiayaan dan memperluaskan perkhidmatan bukan kewangan seperti pembangunan perniagaan dan latihan keusahawanan kepada pelanggan sebelum memberikan pinjaman.

Kata kunci: Pembiayaan Mikro Shariah, Prestasi Perusahaan, Usahawan Mikro, Baitul Qiradh Aceh, perniagaan sosial

 

 

The micro finance is recognised as a medium of development of community socio economic and illimination of  poverty. This article aims to evaluate on the effect of the micro Shariah financing towards the perfomance of micro bussiness entrepenuer among the customers of the cooperation of  Shariah Cooperation of Baitul Qiradh Acheh, Indonesia. The micro bussiness is a sector that has a great role in developing country’s economy. The dependent variable of this sudy are result of incomes and  selling, whereas the independent variale used are gender, age, educational level, entreprenuer’s ages, amount of finance, ownership of saving and participation of training. Analysis of Wilcoxon t test discovers an increment of monthly income and selling result, before and after receiving the finance. Besides, the data analysis that applies coleration Spearman also emphasize the existance of significant relation between age factor to the perfomance of the micro bussiness entreprenuer at a weak rate. However educational level, age of bussiness, ownership of saving and participation of management training has positive relation to the the bussiness perfomance at strong relationship rate. Whereas, the positive relation significant to the bussiness performance is at a strong relationship rate financing amount. However, there is  negative strong relationship between the bussiness perfomance with the participation in the training. Therefore, the Baitul Qiradh Aceh has to upgrade the financing amount and expand the non-financal services such as bussiness development and entrepenuership training to customers before granting loan.

Keywords: Shariah Micro Finance, Bussiness Perfomance, Micro Entreprenuer, Baitul Qiradh Aceh, social bussiness

 

 

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