Pengaruh Pembiayaan Murabahah Dan Pendampingan Usaha (Bank Tabungan Pensiunan Nasional) BTPN Syariah Terhadap Perkembangan UMKM Di Kecamatan Sukatani Kabupaten Bekasi
DOI:
https://doi.org/10.31334/jambis.v5i3.5195Abstract
The purpose of this study was to examine the impact of Murabaha Financing and Business Assistance provided by BTPN Syariah on the development of MSMEs in Sukatani Subdistrict, Bekasi Regency. A quantitative research methodology with a descriptive approach was used, where data were gathered through questionnaires distributed to 97 MSME customers of BTPN Syariah. Data analysis was conducted using multiple linear regression with IBM SPSS version 27. The findings showed that Murabaha Financing (X1) has a positive and significant effect on MSME Development (Y) by 72.4%. Business Assistance (X2) also had a positive and significant impact on MSME Development (Y) by 71.1%. When combined, Murabaha Financing (X1) and Business Assistance (X2) account for 78.0% of the positive and significant influence on MSME Development (Y) in Sukatani Subdistrict, with the remaining 22% being attributed to other factors not explored in this study.
References
DAFTAR PUSTAKA
Buku
Aris Baharuddin, M. (2023). Administrasi Bisnis Sektor Publik. Sultan Publishing
Darma, B. (2021). Statistika Penelitian Menggunakan SPSS (Uji Validitas, Uji Reliabilitas, Regresi Linier Sederhana, Regresi Linier Berganda, Uji t, Uji F, R2). Guepedia.
Kamaluddin, I. H. A., & Patta Rapanna, S. E. (2017). Administrasi bisnis (Vol. 1). Sah Media.
Nugraha, B. (2022). Pengembangan uji statistik: Implementasi metode regresi linier berganda dengan pertimbangan uji asumsi klasik. Pradina Pustaka.
Priadana, MS, & Sunarsi, D. (2021). Metode penelitian kuantitatif . Buku Pascal.
Ramdhan, M. (2021). Metode penelitian. Cipta Media Nusantara.
Sugiyono, P. D. (2010). Metode Peneliian. Kuantitatif, Kualitatif, Dan R&D.
Sumargo, B. (2020). Teknik sampling. Unj press.
Jurnal
Afif, Z., Azhari, D. S., Kustati, M., & Sepriyanti, N. (2023). Penelitian Ilmiah (Kuantitatif) Beserta Paradigma, Pendekatan, Asumsi Dasar, Karakteristik, Metode Analisis Data Dan Outputnya. INNOVATIVE: Journal Of Social Science Research, 3(3), 682-693.
Aldiyansyah, M. (2024). The Impact of Financing and Business Assistance on the Business Income of Islamic Bank Clients. Management Analysis Journal, 13(3), 251-260.
Antika, R., & Murtani, A. (2023). Faktor-Faktor Yang Mempengaruhi Perkembangan Usaha Mikro Mustahik Di BAZNAS Sumatera Utara. Management, Accounting, Islamic Banking and Islamic Economic Journal, 1(1), 392-403.
Baridwan, M. Z. (2016). Peran Pendampingan Dalam Mendorong Perkembangan Usaha Anggota Bmt (Studi Pada Ksu-Bmt Umj).
Choirunisa, R., & Mulyanti, D. (2023). Literature Review: Peran E-Commerce Dalam Meningkatkan Pendapatan Umkm Di Era New Normal. Jurnal EBI, 5(1), 9-15.
Firdaus, R. F. (2015). Pengaruh Pembiayaan Murabahah, Mudharabah, Musyarakah, Dan Ijarah Terhadap Profitabilitas (Studi Pada Pt Bank Jabar Banten Syariah Tahun 2011- 2014) (Doctoral dissertation, Universitas Widyatama).
Harmoko, I. (2018). Mekanisme Restrukturisasi Pembiayaan Pada Akad Pembiayaan Murabahah Dalam Upaya Penyelesaian Pembiayaan Bermasalah. Qawãnïn (Journal of Economic Syaria Law), 2(2), 61-80.
Indika, N., & Adia, S. (2021). Pengaruh Kompensasi Dan Budaya Organisasi Terhadap Turnover Intention Karyawan Pada Pt Elang Transportasi Indonesia Di Jakarta. JAMBIS: Jurnal Administrasi Bisnis, 1(2), 64-73.
Indrawati, S., & Rachmawati, A. F. (2021). Edukasi Legalitas Usaha sebagai Upaya Perlindungan Hukum bagi Pemilik UMKM. Jurnal Dedikasi Hukum, 1(3), 231-241. https://doi.org/10.22219/jdh.v1i3.17113
Janah, M. R. (2018). Faktor Faktor Yang Mempengaruhi Pembiayaan Murabahah Pada Perbankan Syariah Di Indonesia Periode 2011-2016 (Doctoral dissertation, UIN Raden Intan Lampung).
Marasabessy, M., & Karman, A. (2022). Pengaruh pinjaman modal dan pendampingan usaha terhadap peningkatan kesejahteraan nasabah pada bank wakaf mikro honai sejahtera papua. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(6), 1586-1597.
Marzani, D., Fuad, Z., & Dianah, A. (2021). Analisis Pengaruh Pembiayaan Murabahah Terhadap Perkembangan Usaha Mikro Kecil Menengah (Studi Pada Koperasi Syariah Mitra Niaga Lambaro). Ekobis Syariah, 3(1), 13-24.
Masduki, M., & Anwar, M. Z. (2022). Pengaruh Pembiayaan Dan Pendampingan Usaha Unit Layanan Modal Mikro Syariah Terhadap Perkembangan Umkm Di Kabupaten Demak Pada Masa Pandemi (Doctoral dissertation, UIN Raden Mas Said Surakarta).
Nasution, S. F. (2021). Pembiayaan murabahah pada perbankan syariah di indonesia. AT- TAWASSUTH: Jurnal Ekonomi Islam, 6(1), 132-152.
Puspita, D., Imsar, I., & Harahap, MI (2024). Pengaruh jumlah pembiayaan murabahah, pendampingan dan lama usaha terhadap peningkatan pendapatan. Jurnal Internasional Keuangan, Akuntansi, dan Manajemen , 6 (2), 261-281.
Rahman, S. R., & Fauziah, S. (2023). Pendampingan Rutin Untuk Meningkatkan Pendapatan UMKM Nasabah BTPN Syariah Kecamatan Sawahan Surabaya. KARYA: Jurnal Pengabdian Kepada Masyarakat, 3(2), 192-196.
Saputri, M., & Sihotang, M. K. (2023). Pengaruh Pembiayaan Dan Pendampingan Usaha Terhadap Kesejahteraan Nasabah Pada Bank Wakaf Mikro Pesantren Mawaridussalam. Jurnal Tabarru': Islamic Banking and Finance, 6(2), 530-541.
Sarfiah, S. N., Atmaja, H. E., & Verawati, D. M. (2019). UMKM sebagai pilar membangun ekonomi bangsa.Undang-undang No.20 Tahun 2008 tentang Usaha Mikro,Kecil,dan Menengah. Jurnal REP (Riset Ekonomi Pembangunan), 4(2), 137-146.
Sari, M., Rachman, H., Astuti, N. J., Afgani, M. W., & Siroj, R. A. (2023). Explanatory survey dalam metode penelitian deskriptif kuantitatif. Jurnal Pendidikan Sains Dan Komputer, 3(01), 10-16. https://doi.org/10.47709/jpsk.v3i01.1953
SISWANTO, T. (2016). Faktor Faktor Yang Mempengaruhi Perkembangan Umkm Sepatu Di Sentra Industri Sidoarjo (Studi Kasus Desa Seruni Kec. Gedangan Kab. Sidoarjo). Jurnal Pendidikan Ekonomi (JUPE), 4(3). https://doi.org/10.26740/jupe.v4n3.p%25p
Susilani, D., & Retnaningdiah, D. (2023). Pengaruh Bantuan Modal, Pelatihan dan Pendampingan Bank Wakaf Mikro Terhadap Peningkatan Pendapatan Usaha Mikro Kecil Menengah. Jurnal Bisnis dan Manajemen (Jurbisman), 1(1), 267-282.
Syavira, C. D., Kamilah, K., & Inayah, N. (2024). Pengaruh Pembiayaan Murabahah dan Lama Pengembalian Pembiayaan terhadap Perkembangan UMKM pada PNM Mekaar Syariah. MAMEN: Jurnal Manajemen, 3(1), 1-15. https://doi.org/10.55123/mamen.v3i1.2996
Taufik, A., Kurniasari, I., Hidayat, M. A., Al, M. B., Yasin, M. F., Syahidah, P. A., ... & Huda, M. (2024). Penerapan Model Bisnis Berkelajutan Untuk Meningkatkan Kinerja UMKM Di Kp. Tajug RW 6 Desa Haurpanggung. Jurnal Pengabdian Masyarakat Bangsa, 2(7), 2992- 3000. https://doi.org/10.59837/jpmba.v2i7.1381
Wahyuningsih, N. (2019). Pengaruh pendampingan dan modal usaha terhadap perkembangan usaha anggota misykat laz daruut tauhid peduli kota semarang. Skripsi UiN Walisongo Semarang, 8(5), 55.
Yanis, A. S., & Priyadi, M. P. (2015). Faktor-faktor yang mempengaruhi pembiayaan murabahah pada perbankan syariah di Indonesia. Jurnal Ilmu Dan Riset Akuntansi (JIRA), 4(8).
Website
https://www.btpnsyariah.com/p/daya, diakses Januari 2025
Downloads
Published
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Copyright Notice
Please find the rights and licenses in JAMBIS : Jurnal Administrasi Bisnis. By submitting the article/manuscript of the article, the author(s) agree with this policy. No specific document sign-off is required.
1.License
The non-commercial use of the article will be governed by the Creative Commons Attribution license as currently displayed on Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
2.Author(s)' Warranties
The author warrants that the article is original, written by stated author(s), has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).
3.User Rights
JAMBIS : Jurnal Administrasi Bisnis, spirit is to disseminate articles published are as free as possible. Under the Creative Commons license, JAMBIS : Jurnal Administrasi Bisnis permits users to copy, distribute, display, and perform the work for non-commercial purposes only. Users will also need to attribute authors and JAMBIS : Jurnal Administrasi Bisnis on distributing works in the journal and other media of publications.
4.Co-Authorship
If the article was jointly prepared by more than one author, any authors submitting the manuscript warrants that he/she has been authorized by all co-authors to be agreed on this copyright and license notice (agreement) on their behalf, and agrees to inform his/her co-authors of the terms of this policy. JAMBIS : Jurnal Administrasi Bisnis will not be held liable for anything that may arise due to the author(s) internal dispute. JAMBIS : Jurnal Administrasi Bisnis will only communicate with the corresponding author.
5.Miscellaneous
JAMBIS : Jurnal Administrasi Bisnis will publish the article (or have it published) in the journal if the article’s editorial process is successfully completed. JJAMBIS : Jurnal Administrasi Bisnis editors may modify the article to a style of punctuation, spelling, capitalization, referencing and usage that deems appropriate. The author acknowledges that the article may be published so that it will be publicly accessible and such access will be free of charge for the readers as mentioned in point 3.
Every accepted manuscript should be accompanied by "Copyright Transfer Agreement" prior to the article publication.
