Analisis Pembiayaan Dengan Sistem Syari’ah Dan Pembinaan Hubungan Kerja Terhadap Peningkatan Pendapatan Pengusaha Kecil

Abstract

<jats:p>The purpose of this study is to know how the effect of fund to Syari’ah system and construction of work relation to the increasing of small entrepreneur earnings. on actual events than people perception about an event. The population of this research is costumers who gain funds from Pusat Pendanaan Syari’ah (PPS) or Syari’ah This research is empirical study that is ”an approach to gain knowledge, which separate between obtained knowledge based on fact and knowledge without fact” or it is more emphasized Fund Center of Economic. The number of population is 200 customers. However, the sample taking method uses sampling purposive method. The sample of customers that are chose is 40 customers. The data is analyzed by using double linier regression. The analysis result of this study shows that funding by using syariah system which is owned by PPS and constructions of work relation influence significantly to increase small entrepreneur earnings. Besides PPS has important role in helping small entrepreneur to increase its earnings through funding and constructing work relation.</jats:p>

The analysis of the effect of Islamic financing and labor relationship development toward nonperforming financing in Islamic banks

“…The study conducted by Malikah (2007) about the analysis of financing with Islamic system and LRD toward small business income shows that financing that used Islamic modes and LRD positively affected small business income with 0,638 for financing with Islamic system and 0,456 for fostering the employment of small business income. It can be clearly seen that X 1 (IF system) has t -test value at 0,638 which is greater than 0,05 and X 2 (LRD) has t -test number in 0,456 which is bigger than 0,05.…”

“…In terms of Islamic bank activities, to create a relationship with bank customers, especially loan customers, a strategy called labor relationship development (LRD) was used. In Indonesia, this method is also known as Pembinaan Hubungan Kerja (Malikah, 2007; Robiyah, 2004, Al-Makki, 2010). The reason for using LRD is to provide supervision of customers in the attempt to minimize the risk on nonperforming financing (NPF).…”