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All Journal Jurnal Ilmiah Ekonomi Islam At-Tawassuth: Jurnal Ekonomi Islam YUME : Journal of Management Journal of Education, Humaniora and Social Sciences (JEHSS) Hikmah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Journal On Teacher Education (Jote) Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) JURNAL MANAJEMEN AKUNTANSI (JUMSI) Bhakti Nagori (Jurnal Pengabdian kepada Masyarakat) Journal of Management Analytical and Solution Mutiara: Multidiciplinary Scientifict Journal IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Journal Of Management Analytical and Solution (JoMAS) Journal of Ekonomics, Finance, and Management Studies
Amalia, Alfi
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Mathematics Mechanical Engineering Public Health Social Sciences Other

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Journal : Hikmah

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Mudharabah dan Musyarakah Sebagai Persepsi Keuangan Ekuitas Mikro Pelaku Usaha UMKM Wanita Kota Medan yang Kurang Beruntung Alfi Amalia; Andrew Satria Lubis
Hikmah Vol. 19 No. 2 (2022): Juli-Dember 2022
Publisher : Sekolah Tinggi Agama Islam Sumatera Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (950.564 KB) | DOI: 10.53802/hikmah.v19i2.156

Abstract

This study aims to determine the perceptions of disadvantaged women in the city of Medan regarding Sharia rules (Islamic law) on micro-equity financing instruments, mudharabah and musyarakah. This research was conducted through a survey method on 330 questionnaires on members of Islamic microfinance institutions (IsMFI), namely, the BMT Ar-Ridhwan sharia cooperative. The data obtained were analyzed using a structural equation model. The study results reveal that female BMT Ar-Ridhwan borrowers consider the sharia rules of mudharabah and musyarakah to require high moral and ethical values ​​and dynamic payment performance. They know several other basic provisions, such as liquidation of a business, transfer of shares, disclosure of information and termination of business. The overall findings of this study indicate that perceived Sharia rules are similar to those commonly used in general business partnerships between Muslims. It also shows that less fortunate entrepreneurs will accept rules that are easy to understand and benefit their interests. Furthermore, this indicates that the respondents' experience of microfinance and business operations does not significantly influence their perceptions of mudharabah and musyarakah instruments. The findings of this study can help IsMIF BMT Ar-Ridhwan take the initiative to offer mudharabah and musyarakah as micro-equity financing to economically disadvantaged women entrepreneurs.
Mudharabah dan Musyarakah Sebagai Persepsi Keuangan Ekuitas Mikro Pelaku Usaha UMKM Wanita Kota Medan yang Kurang Beruntung Alfi Amalia; Andrew Satria Lubis
Hikmah Vol. 19 No. 2 (2022): Juli-Dember 2022
Publisher : Sekolah Tinggi Agama Islam Sumatera Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53802/hikmah.v19i2.156

Abstract

This study aims to determine the perceptions of disadvantaged women in the city of Medan regarding Sharia rules (Islamic law) on micro-equity financing instruments, mudharabah and musyarakah. This research was conducted through a survey method on 330 questionnaires on members of Islamic microfinance institutions (IsMFI), namely, the BMT Ar-Ridhwan sharia cooperative. The data obtained were analyzed using a structural equation model. The study results reveal that female BMT Ar-Ridhwan borrowers consider the sharia rules of mudharabah and musyarakah to require high moral and ethical values ​​and dynamic payment performance. They know several other basic provisions, such as liquidation of a business, transfer of shares, disclosure of information and termination of business. The overall findings of this study indicate that perceived Sharia rules are similar to those commonly used in general business partnerships between Muslims. It also shows that less fortunate entrepreneurs will accept rules that are easy to understand and benefit their interests. Furthermore, this indicates that the respondents' experience of microfinance and business operations does not significantly influence their perceptions of mudharabah and musyarakah instruments. The findings of this study can help IsMIF BMT Ar-Ridhwan take the initiative to offer mudharabah and musyarakah as micro-equity financing to economically disadvantaged women entrepreneurs.
Co-Authors Al-Butary , Burhanuddin Andi Perkasa Tarigan Andrew Satria Lubis Andri Soemitra Asminah Burhanuddin Al-Butary Dinda Syafira Fiya Oktavia Habib Muhammad Rizq Indira Rahayu Isra Mira Norizka Juwita Putri Nabilah Kahairul Anwar Lubis Katherine Helen Aurora Lubis, Andrew Satria M. Halim Lukman Rasyid Nuraini Harahap Raisya Afifah Zahra Reza Syahputra Ginting Rialdha Ismadillah Rialdha Ismadillah Saidatul Mardiyah Saparuddin Siregar Sinanti Roilan Suci Puspita Sari Sugianto Sugianto Sulaiman Muhammad Amir Sulistia Ningrum Syakira Cahaya Nikita Ginting Tri Novita Syahfitri Tri Novita Syahfitri Wanda Febrianti