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All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekonomi Syariah dan Akuntasi
Supardi Supardi
Universitas Muhammadiyah Kudus
Economics, Econometrics & Finance

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MEMBER PERCEPTIONS ON BUSINESS CAPITAL FINANCING PRODUCTS IN EMPOWERING MICRO, SMALL AND MEDIUM ENTERPRISES AT BAITUL MAAL WAT TAMWIL "UMMAT SEJAHTERA ABADI" NALUMSARI BRANCH Dewi Laras; Supardi Supardi; Yunus Mustaqim
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.11293

Abstract

The financial system in Indonesia continues to progress, especially in financial institutions based on Sharia. Sharia Microfinance Institutions actors develop along with an increase in turnover which is influenced by member perceptions of a product. The product that is often used by MSME players is a business capital financing product that can assist in capital. However, some people still cooperate with conventional financial institutions that have elements of ribawi which are prohibited by Islam in the Al-Qur'an and As-Sunnah because they are considered detrimental to one party. Therefore, the presence of BMT is needed because it can be an alternative solution for business people who need additional capital without worrying about usury. This study aims to describe the perception of members on business capital financing products in empowering MSMEs at BMT Ummat Sejahtera Abadi Nalumsari Branch. This study applies a type of field research with a qualitative approach and descriptive method. The data obtained in this study is in accordance with the facts that occurred at BMT Ummat Sejahtera Abadi Nalumsari Branch obtained through observation, interviews with branch heads, marketing employees and 5 members on business capital financing products and documentation. Data analysis is done by reducing data, presenting data and verification and conclusions. Member perceptions related to business capital financing products available at BMT Ummat Sejahtera Abadi Nalumsari Branch obtained good results, evidenced by an increase in the number of members by 1,34% and progress on the business being carried out. This perception is influenced by the quality of service and the price of a product that can be calculated because the margin or service provided tends to be low.
KUALITAS LAYANAN SYARI’AH, KELOMPOK SOSIAL DAN KEMUDAHAN ADMINISTRASI TERHADAP KEPUTUSAN MENJADI ANGGOTA BMT SURYA SEKAWAN KUDUS Supardi Supardi; Yunus Mustaqim; Nadiya Nur Husniyah
Jurnal Ekonomi Syariah dan Akuntansi Vol 6, No 2 (2025): JURNAL EKONOMI SYARIAH DAN AKUNTANSI
Publisher : Universitas Muhammadiyah Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26751/jeisa.v6i2.3150

Abstract

Penelitian ini dilakukan pada BMT Surya Sekawan yang mengalami fluktuasi jumlah anggota pada periode 2020–2024. Tujuannya adalah menganalisis pengaruh kualitas layanan syari’ah, kelompok sosial, dan kemudahan administrasi terhadap keputusan masyarakat menjadi anggota. Penelitian menggunakan metode explanatory research dengan pendekatan kuantitatif, melibatkan 100 responden yang dipilih melalui probability sampling. Data dikumpulkan dengan kuesioner dan wawancara, kemudian dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa ketiga variabel berpengaruh positif signifikan, baik secara parsial maupun simultan, terhadap keputusan menjadi anggota. Faktor yang paling dominan adalah kualitas layanan syari’ah, diikuti kelompok sosial dan kemudahan administrasi. Temuan ini menegaskan bahwa strategi peningkatan keanggotaan BMT perlu memperhatikan kualitas layanan berbasis nilai Islam yang didukung jaringan sosial dan pengalaman administratif anggota. 
Co-Authors Dewi Laras Nadiya Nur Husniyah Yunus Mustaqim