{"title":"Efektifitas Pembiayaan Qarḍul Ḥasan Bagi Perkembangan Usaha Mikro Pada Baitul Maal Al-Amin, Kedungkandang, Kota Malang","authors":"Alficha Roby Vabella, Rahmad Hakim, Fien Zulkarijah","doi":"10.21111/IEJ.V4I2.2968","DOIUrl":null,"url":null,"abstract":"This study aims to analyze two things: first, the effectiveness of qardul hasan financing in Baitul Maal Al-Amin at Kedungkandang for Micro, Small and Medium Business Development (known as UMKM). Second, to know the impact of qardhul hasan financing for micro business development at Kedungkandang. This research using case study approach with the method of data collection is an interview, observation and documentation. While data analysis is qualitative data analysis technique using Miles and Huberman’s model. The results of this study indicate that qardul hasan financing in Baitul Maal Al-Amin at Kedungkandang is quite effective with the fulfillment of measurement of several indicators such as usability, accuracy and objectivity, scope, accountability, cost effectiveness, and timeliness. In addition, qardul hasan financing in Baitul Maal Al-Amin has a significant impact for micro business development at Kedungkandang with the growth of sales turnover which is seen from the income and the growth of custome, even though the growth of local labor and the expansion of the place are has low significant impact.","PeriodicalId":53101,"journal":{"name":"Islamic Economics Journal","volume":" ","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2018-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Islamic Economics Journal","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.21111/IEJ.V4I2.2968","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
Abstract
This study aims to analyze two things: first, the effectiveness of qardul hasan financing in Baitul Maal Al-Amin at Kedungkandang for Micro, Small and Medium Business Development (known as UMKM). Second, to know the impact of qardhul hasan financing for micro business development at Kedungkandang. This research using case study approach with the method of data collection is an interview, observation and documentation. While data analysis is qualitative data analysis technique using Miles and Huberman’s model. The results of this study indicate that qardul hasan financing in Baitul Maal Al-Amin at Kedungkandang is quite effective with the fulfillment of measurement of several indicators such as usability, accuracy and objectivity, scope, accountability, cost effectiveness, and timeliness. In addition, qardul hasan financing in Baitul Maal Al-Amin has a significant impact for micro business development at Kedungkandang with the growth of sales turnover which is seen from the income and the growth of custome, even though the growth of local labor and the expansion of the place are has low significant impact.
贫困城市Kedungkandang的Usaha Mikro Pada Baitul Maal Al Amin发展效率Qard
本研究旨在分析两件事:首先,qardul hasan在Kedungkandang的Baitul Maal Al Amin的融资对中小微企业发展(简称UMKM)的有效性。第二,了解卡塔尔哈桑融资对克顿坎当微型企业发展的影响。本研究采用案例研究的方法,采用数据收集的方法,进行访谈、观察和文献整理。而数据分析是使用Miles和Huberman模型的定性数据分析技术。本研究结果表明,qardul hasan在Kedungkandang的Baitul Maal Al Amin的融资在可用性、准确性和客观性、范围、问责制、成本效益和及时性等几个指标的衡量方面是相当有效的。此外,qardul hasan在Baitul Maal Al Amin的融资对Kedungkandang的微型企业发展产生了重大影响,销售额的增长可以从收入和客户的增长中看出,尽管当地劳动力的增长和地方的扩张影响不大。