Peran Pembiayaan Murabahah di BMT Mandiri Sejahtera Cabang Sugio dalam Meningkatkan Pendapatan UMKM Pasar Sugio Lamongan

Abstract

Small and medium micro enterprises (MSMEs) has the important role in the community for expanding employment and giving economic services that spread to the community, increasing business income and achieving benefit and prosperity among others. MSMEs basically need the support of micro finance institutions which provides the funding to raise the financial asset of MSME using sharia system. This study aims at answering the question about the role of mura>bah}ah financing in BMT Mandiri Sejahtera Branch Sugio Lamongan for increasing the income of small and medium micro enterprises (MSME) of Sugio Market. This is qualitative research which is also called naturalistic research method because the research have the interview, observation, and documentation. This study uses qualitative descriptive analysis technique to analyze data which tells about mura>bah}ah financing held by BMT Mandiri Sejahtera Branch Sugio Lamongan. The findings reveal that mura>bah}ah financing in BMT Mandiri Sejahtera Branch Sugio Lamongan plays an important role in improving small and medium micro enterprises of Sugio Market.

Analisis Kontribusi Pembiayaan Murabahah Pada Peningkatan Pendapatan Usaha Mikro Kecil Menengah Di BMT Maslahah

“…Pendapatan yang diterima BMT melalui profit pembiayaan murabahah merupakan bagian dari proses pekerjaan yang ada dilingkungan BMT. Sehingga pendapatannya secara hukum sah melalui proses pemberian pembiayaannya (Syafaah, 2022). Baitul Mall Wat Tamwil sendiri merupakan jenis lembaga keuangan non bank dimana kegiatan nya dikenal merakyat yang diartikan mudahnya pelayanan kepada masyarakat dengan berbagai cara untuk hadir menjadi bagian dari masyarakat (Melina, 2020).…”

Analysis of Financing Risk Management Implementation at Baitul Maal Wat Tamwil

“…Savings and loan cooperatives According to PSAK No. 27, Savings and Loans Cooperatives are cooperatives whose main activities or services are providing storage and borrowing services for their members (Farida et al, 2022). Cooperatives actually operate in the form of business entities with capital from members' savings and then loaned to members in an easy and targeted way with the aim of productivity for financial institutions and welfare for members (Fikruddin & Mufid, 2015).…”