ANALISIS PENGARUH VARIABEL PEMBIAYAAN MODAL, LAMA USAHA SERTA MODAL SENDIRI TERHADAP PENDAPATAN ANGGOTA PELAKU UMKM

  • Robby Andika Kusumajaya Universitas Sains Dan Teknologi Komputer
  • Shinta Dewi Qoriah STIE Studi Ekonomi Modern
Keywords: Capital financing, Long standing of business, Owner’s equity, earnings of customers MSMEs.

Abstract

As a sharia microfinance institution that has a function as developing productive businesses and investments to improve the quality of micro, small and medium enterprises, this study aims to examine the effect of variable capital financing, length of business and own capital on the income of customers who are members of the Sharia Financing Savings and Loans Cooperative Baitul Mal wa Tamwil Nurul Barokah Klego branch, Boyolali regency. They are micro, small and medium enterprises (MSMEs), the population in this study is 108 with a sample of 52 respondents. Analysis techniques use multivariate regression analysis and use instrument tests which include validity and reliability tests, and descriptive statistical tests of respondents based on sex, based on age, and classical assumption tests include normality tests, multicolleniarity tests, heterokedasticity tests, and multiple linear regression analysis and model permanence tests including coefficients of determination, and hypothesis testing includes t tests, F tests. The results showed that only own capital had a positive effect on MSME income, while capital financing and long time did not affect MSME income, because financing members often took advantage of capital loans not in accordance with loan agreements and lack of innovation to see consumer interest so that it stagnated.

References

Duwi Prayatno, Paham Analis Statistik data dengan SPPS Cet, (Yogyakarta: Media Kom, 2010), h. 90-97.
Elvia, L., 2014, Pengaruh Modal Sendiri dan Modal Asing terhadap Pendapatan Usaha Mikro Kecil dan Menengah (UMKM) Pada Nasabah Bri Unit Batang Cenaku, E-Jurnal Ilmiah, Sekolah Tinggi Keguruan dan Ilmu Pendidikan (Stkip) Pgri : Sumatera Barat Padang.
Haris, Helmi. (2013). Manajemen Dana Bank Syariah. Sleman: Asnalitera.
Himpunan Fatwa Keuangan Syariah Dewan Syariah Nasional MUI, Jakarta : Erlangga, 2014, h. 60.
Huda, Nurul dan Mohamad Heykal. (2010). Lembaga Keuangan Islam. Jakarta: Kencana.
Iroso, Jual Beli Murabahah, Yogyakarta: UII Press, 2005, h. 13.
Kasmir. 2011, Kewirausahaan, Jakarta : Pt Raja Grafindo Persada.
Litriani, E & Leviana, L., 2017, Pengaruh Pembiayaan Modal Kerja Terhadap Pendapatan Usaha Nasabah Pada Pt. Bank Syariah Mandiri Kantor Cabang Simpang Patal Palembang, I-Finance, 3(2) : 133-140.
Marfuah, S.T & Hartiyah, S., 2019, Pengaruh Modal Sendiri, Kredit Usaha Rakyat (Kur), Teknologi, Lama Usaha dan Lokasi Usaha terhadap Pendapatan Usaha (Studi Kasus Pada UMKM di Kabupaten Wonosobo), Journal of Economic, Business and Engineering, 1(1) : 183-195.
Mayasari, T., Puspita, I . L & Ariningrum, H., 2015, Pengaruh Modal Sendiri, Modal Pinjaman dan Lama Usaha terhadap Pendapatan Pedagang Kecil Pengraji Kripik di Kawasan Sentra Industri Kripik (Gang Pu) Jalan Za.Pagar Alam Bandar Lampung, jurnal riset akutansi dan manajemen, 4(2) : 69-77.
Muhammad Syafi‟I Antonio, Bank Syariah Suatu Pengenalan Umum, (Jakarta : Tazkia Institute, 1999), hal 135.
Putri, N . M . D . M & Jember, I .M., 2016, Pengaruh Modal Sendiri dan Lokasi Usaha terhadap Pendapatan Usaha Mikro Kecil Menengah (UMKM) di Kabupaten Tabanan (Modal Pinjaman sebagai Variabel Intervening), JEKT,9(2) : 143-150.
Ridwan, Ahmad Hasan. (2013). Manajemen Baitul Mal Wa Tamwil. Bandung: Cv. Pustaka Setia.
Rohmatan, Analisis Implementasi Prinsip 5C dalam Upaya Pencegahan Pembiayaan Mudharabah Bermasalah di KSPPS BMT UMMAT SEJAHTERA (BUS) Cabang Cepu, 2015, h. 18.
Sugeng Widodo, Moda Pembiayaan Lembaga Keuangan, Yogyakarta: Kaukaba, 2014, h. 408.
Trisadini P. Usanti dan Abd. Shomad, Transaksi Bank Syariah, Jakarta : PT. Bumi Aksara, 2013, h. 67.
Utari, T & Dewi, P, M., 2014, Pengaruh Modal, Tingkat Pendidikan dan Teknologi terhadap Pendapatan Usaha Mikro Kecil dan Menengah (UMKM) di Kawasan Imam Bonjol Denpasar Barat, E-Jurnal EP Unud, 3(12) : 576-585.
Veithzal Rivai dan Arviyan Arifin, Islamic Banking., h. 681.
W Abdulmalik, Tafsir Al-Azhar, Jakarta: Pustaka Panimas, 1982, h. 66.
Wangsawidjaja, Pembiayaan Bank Syariah, Jakarta : PT. Gramedia Pustaka Utama, 2012, h. 85.
Wibowo, E & Setyaningsih., 2017, Effect Of Own Capital, Capital Loan, Turnover Sales, And Use Of Hours To Profitability (Empirical Study on The Actors SMEs Market Ngarsopuro Surakarta), PROCEEDINGS ICTESS UNISRI 2017, 1(1) :249-256.
Published
2023-05-31
How to Cite
Kusumajaya, R. A., & Qoriah, S. D. (2023). ANALISIS PENGARUH VARIABEL PEMBIAYAAN MODAL, LAMA USAHA SERTA MODAL SENDIRI TERHADAP PENDAPATAN ANGGOTA PELAKU UMKM. MANAJEMEN, 3(1), 91-99. https://doi.org/10.51903/manajemen.v3i1.219