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The Influence of PNM Mekar Syariah Microfinance on the Welfare of MSMEs in Parungpanjang, Bogor Regency Amin, Muhamad; Bahri, Syaeful; Mabruroh, Ahda Inayati; Mahmud Syukri
TSARWAH Vol. 9 No. 2 (2024): December
Publisher : PROGRAM STUDI EKONOMI ISLAM PROGRAM PASCASARJANA IAIN SULTAN MAULANA HASANUDDIN BANTEN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/tsarwah.v9i2.12477

Abstract

PNM Mekar Syariah Financing is a business capital loan service that implements a joint liability system and is carried out in groups. This study examines the Effect of PNM Mekar Syariah Micro Financing on Improving the Welfare of MSMEs in Bogor Regency. The study uses a quantitative approach with a questionnaire method as a data source, through five stages of testing: Validity Test, Reliability Test, Classical Assumption Test, with the help of SPSS Version 2023 software and Microsoft Excel 2013. The results of the study can be concluded that there is a positive and significant effect of PNM Mekar Syariah financing on improving the welfare of MSMEs in Bogor Regency. Simple Linear Regression Equation: The resulting equation is Y = 27.416 + 0.323X + εY = 27.416 + 0.323X + \varepsilonY = 27.416 + 0.323X + ε, with a regression coefficient of the financing variable (X) of 0.323. This shows that every one unit increase in financing has the potential to increase the welfare of MSMEs by 0.323 units. T-test: The results of the hypothesis test show that t count = 3.851t \text{ count} = 3.851t count = 3.851 with a significance value of <0.001, smaller than the significance limit of 0.05. With t count> t table (3.851> 1.66412)t \text{ count} > t \text{ table} (3.851 > 1.66412)t count> t table (3.851> 1.66412), H0 is rejected, and H1 is accepted. This means that the financing variable (X) has a significant effect on increasing MSMEs (Y). Determination Coefficient (R Square): The R Square value of 0.372 indicates that PNM Mekar Syariah financing affects the Increase in MSME Welfare by 13.8%. This means that 86.2% of the variation in MSME performance is influenced by other factors not included in this study.
Co-Authors Abdul Malik Abualreesh, Muyassar H. Adib, Akhmad Jauharul Agniny, Siswi Fililmi Agus Gunawan Ahmad A Ahmad Taufik S Akbar, Fauzan Akhmad Taufiq Mukti Akhyar Alawiyah, Geby Almatini, Soviliana Amelia Rahmaniah Amrullah, Shafwan Anisa, Hosia Anjasmara, L. Dede Arta Satya Annisa, Nia Aulia Rahman Azhary Noersidiq Cahyawati, Triyana Dyah Dahlanuddin Dahlanuddin, Dahlanuddin Elvina, Ina Fahrullah Fahrullah Febriarsita Eka Sasmita GOMIES, STEVANUS JOHAN Gufran Gunanti Mahasri Hafizah, Silva Nor Hakim, Muhammad Azizul Handayana, I Gusti Ngurah Yudi Hasnah Hasnah Hatuwe, Rahma Satya Masna Haudh Al Maa'uun Husnawati Husnawati Iksan Imaduddin, M Asad Imam Bukhari Imran, Tya Isroni, Wahyu J, Jufrin Jannah, Nadyatul Jayadi, Edi M Jumria, Andi Juwaidin, Juwaidin Kurniawidi, Dian W Lilianti, Mita Ayu Liliyanti, Mita Ayu Mabruroh, Ahda Inayati Mahasari, Gunanti Mahmud Syukri Mahmudah Mahmudah Matakita, Muhajir Mubaraq, Shofy Mufasirin Muhamad Ali Muhammad Athoillah Sholahuddin Muhammad Ikhlas Munir Murdiono Murdiono, Murdiono Musa, Muhammad Nur Denny Musa, Muhammad Nur Deny Muspiha, Muspiha Musthofa, Abdul Halim N, Nasrullah Nadila, Nadila Nanik Siti Aminah Nasution, Adnan Nazla, Siti Nugraha, Muhammad Ar Rozzaaq Nunuk Dyah Retno Lastuti Oktosuyono, Oktosuyono Oscar Yanuarianto, Oscar Purnaning, Dyah Putra, Ryan Aryadin Rafe’i, Muhammad Khairur Richard Kumaradjaja Robby, Robby Rozi Rozi, Rozi Sagaf, Umar Salonten, Salonten Samara, Shifania Hanifa Samara, Syifania Hanifah Santanumurti, Muhammad Browijoyo Saragi, Robson Sarimov, Renat Siti Zahra Khoirunnisa Siwabessy, Dominggus J Siwabessy, Dominggus Jacobus Ssonko Muhammedi Sudarti Sudarti Suhubdy Suhubdy Sukirman Sukirman Sulaeman Jajuli, Sulaeman Surijadi, Herman Susi Rahayu Syaeful Bahri Syamsul Hidayat Dilaga, Syamsul Hidayat Syaupi, Muhammad Tousalwa, Carla Carolien Umi Nadliroh, Umi Vebera Maslami Veryl Hasan Wahyudinsyah Wattiheluw, Siti Yayu Wattimena, Muhamad Amin Widodo, Dwi Candra Wisduyawati, Dita Yudi Cahyoko Yuli Kusuma Dewi