ANALISIS PERKEMBANGAN USAHA MIKRO DAN KECIL SETELAH MEMPEROLEH PEMBIAYAAN MUDHARABAH DARI BMT AT TAQWA HALMAHERA DI KOTA SEMARANG

Abstract

Micro and Small Enterprises (MSEs) are the biggest players in the economic sector that engages in trading and services. In general, the problems faced by MSEs in the city of Semarang is the capital problem, in which micro entrepreneurs of small businesses do not have enough capital to do business. The purpose of this study is to analyze the differences and the development of MSEs between before and after obtaining financing from BMT At-Taqwa Halmahera including venture capital, sales turnover and profit. The object of research is MSEs that are members of At-Taqwa BMT sample is Halmahera with 75. Type of data collected is of primary data and secondary data. Methods of data analysis used in this research include test validity, reliability test and Wilcoxon sign rank test. Based on calculation of Wilcoxon sign rank test to obtain capital variable pvalue of 0.000 (0.000 <0.05) which means that there are different capital variables before and after obtaining financing from BMT At-Taqwa Halmahera of Semarang or increase capital by 92% after catty financing of the At-Taqwa BMT Halmahera city of Semarang. For sales turnover variables obtained p-value of 0.000 (0.000 <0.05) which means that there are differences in variable sales turnover before and after obtaining financing from BMT At-Taqwa Halmahera city, which is an increase of 103% after obtaining financing from BMT At-Taqwa Halmahera city of Semarang. For variable-p value of profits obtained by 0.000 (0.000 <0.05) which means that there are differences in variable profits before and after obtaining financing from BMT At-Taqwa Halmahera city, which is an increase of 65% after obtaining financing from BMT At-Taqwa Halmahera City Semarang. Thus with the financing of the At-Taqwa BMT Halmahera in the city of Semarang, the capital of business, sales turnover and profitability of Micro and Small Enterprises (MSEs) have increased significantly.