Analisis Pengaruh Pembiayaan Paket Masa Depan Terhadap Pertumbuhan Usaha Mikro Kecil dan Menengah Dan Peningkatan Pendapatan Nasabah Dalam Perspektif Ekonomi Islam

Authors

  • Imsar Imsar Universitas Islam Negeri Sumatra Utara
  • Juliana Nasution Universitas Islam Negeri Sumatra Utara
  • Alfilda Amilah Ndraha Universitas Islam Negeri Sumatra Utara

Keywords:

MSMEs, Economic Growth, Sharia Insurance

Abstract

This study aims to analyze the effect of the Future Package (PMD) financing on the growth of Micro, Small and Medium Enterprises (MSMEs) and an increase in customer income in an Islamic economic perspective. This study uses two independent variables, namely the growth of Micro, Small and Medium Enterprises (MSMEs) and an increase in customer income with one dependent variable, namely Future Package financing (PMD). The sampling method used is simple random sampling method with the calculation of the Slovin formula with the final result being a total sample of 90 respondents. Analysis of the data obtained through IBM SPSS Statistics 23 uses a simple linear regression analysis technique. The results of the research show that the Future Package (PMD) financing has a significant and positive influence on the growth of Micro, Small and Medium Enterprises (MSMEs) of 61.1%. Whereas in the Y2 variable, Future Package financing (PMD) has no significant and positive effect on increasing customer income. Also BTPN Syariah MMS Medan Marelan in carrying out PMD financing activities is in accordance with sharia principles and does not apply a penalty system like conventional banks.

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Published

2023-03-13