| dc.contributor |
Fakultas Syariah |
|
| dc.contributor |
|
|
| dc.creator |
Nurhabibilah, Ihsan |
|
| dc.creator |
Nurhasanah, Neneng |
|
| dc.creator |
Eprianti, Nanik |
|
| dc.date |
2018-07-29 |
|
| dc.date.accessioned |
2019-01-22T06:32:17Z |
|
| dc.date.available |
2019-01-22T06:32:17Z |
|
| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10516 |
|
| dc.identifier.uri |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10516 |
|
| dc.description |
Abstract. The Assistance of Syariah UMKM Practitioner and Academician (PUSPA) is an assistance program held by Bank of Indonesia West Java towards the doer of UMKM under MISYKAT (a productive economic empowerment program for the member of DPU Darul Tauhid). This assistance is meant to assist the doer of UMKM based on syariah principals and is assisted by college students who had been trained by the practioners and academicians of syariah economic finance. Interest of the participant of the 2017 PUSPA assistance program as the doer of UMKM is categorized as low in filing a financing to syariah banking compare to conventional banking. This research aims to find out about the comprehention of the participants about the realization of this PUSPA assistance program, to analyze the interest of UMKM as the participant of the program in filing a financing and also to find out the effect of the PUSPA assistance program towards the UMKM syariah’s interest in filing a financing to syariah banking. The method used in this research is descriptive method with quantitative approach which analyzed the data using statistic test in form of simple linear regression. The sampling technique used is a non-probability sampling in the form of saturated sampling. The source data used is primary and secondary data while the technique of collecting data used is in form of questionnaire, documentation, and literary study. The result of this research shows that the understanding of the participant (UMKM) about the realization of PUSPA assistance program is done quite well with the cumulative score of 1400. UMKM’s interests in filing a financing to syariah banking is considered low as it is affected by various factors such as business characteristics, psychological, margin value, perception, and society knowledge as well as spiritual aspect. The test result shows that the value of t hitung (0.473) < t tabel (1.7247), this indicates that the PUSPA assistance program is partially not influential towards the UMKM’s interest in filing a financing to syariah banking. This absence of effect is caused by the PUSPA program is not necessarily pushed the interest of UMKM in filing a financing to syariah banking. Moreover, in the process of filing a financing to syariah banking, it is affected by various factors such as business characteristics, psychological, perception, and society knowledge (UMKM), margin value, and spiritual aspect.Key Words: Business Assistance, UMKM, Financing Interest Abstrak. Pendampingan UMKM Syariah Praktisi dan Akademisi (PUSPA) adalah sebuah program pendampingan yang dilakukan oleh Bank Indonesia Jawa Barat kepada pelaku UMKM binaan MISYKAT (program pemberdayaan ekonomi produktif umat DPU Darul Tauhid). Pendampingan bertujuan untuk mendampingi pelaku UMKM berlandaskan prinsip-prinsip syariah dengan pendamping mahasiswa yang sudah dibina terlebih dahulu oleh praktisi dan akademisi ekonomi keuangan syariah. Minat pelaku UMKM peserta pendampingan program PUSPA tahun 2017 masih tergolong rendah dalam minat mengajukan pembiayaan ke perbankan syariah dibandingkan ke perbankan konvensional. Tujuan penelitian ini adalah mengetahui pemahaman peserta tentang pelaksanaan pendampingan program PUSPA, menganalisis minat UMKM peserta pendampingan dalam pengajuan pembiayaan dan mengetahui pengaruh pendampingan program PUSPA terhadap minat UMKM syariah dalam pengajuan pembiayaan ke perbankan syariah. Metode yang digunakan dalam penelitian ini adalah penelitian deskriptif dengan pendekatan kuantitatif yaitu analisis data menggunakan uji statistik berupa regresi linear sederhana. Teknik sampling menggunakan non-probability sampling berupa sampling jenuh. Sumber data yang digunakan adalah data primer dan data sekunder sedangkan teknik pengumpulan data berupa kuesioner, dokumentasi dan studi pustaka. Berdasarkan hasil penelitian bahwa pemahaman peserta (UMKM) tentang pelaksanaan pendampingan program PUSPA sudah dilakukan dengan baik dengan mendapatkan skor kumulatif sebesar 1400. Minat UMKM dalam pengajuan pembiayaan ke perbankan syariah masih tergolong rendah karena dipengaruhi beberapa faktor yaitu faktor karakteristik usaha, psikologis, besarnya margin, persepsi dan pengetahuan masyarakat serta aspek spiritual. Hasil pengujian dapat diketahui bahwa nilai t hitung (0.473) < t tabel (1.7247), hal ini menunjukan bahwa pendampingan program PUSPA secara parsial tidak mempengaruhi minat UMKM dalam pengajuan pembiayaan ke perbankan syariah. Tidak adanya pengaruh disebabkan karena pendampingan program PUSPA tidak secara khusus mendorong minat UMKM dalam pengajuan pembiayaan ke perbankan syariah. Selain itu, dalam proses pengajuan pembiayaan ke perbankan syariah, dipengaruhi oleh beberapa faktor yaitu karakteristik usaha, psikologis, persepsi dan pengetahuan masyarakat (UMKM), besarnya margin dan aspek spiritual.Kata Kunci: Pendampingan Usaha, UMKM, Minat Pembiayaan |
|
| dc.description |
Abstract. The Assistance of Syariah UMKM Practitioner and Academician (PUSPA) is an assistance program held by Bank of Indonesia West Java towards the doer of UMKM under MISYKAT (a productive economic empowerment program for the member of DPU Darul Tauhid). This assistance is meant to assist the doer of UMKM based on syariah principals and is assisted by college students who had been trained by the practioners and academicians of syariah economic finance. Interest of the participant of the 2017 PUSPA assistance program as the doer of UMKM is categorized as low in filing a financing to syariah banking compare to conventional banking. This research aims to find out about the comprehention of the participants about the realization of this PUSPA assistance program, to analyze the interest of UMKM as the participant of the program in filing a financing and also to find out the effect of the PUSPA assistance program towards the UMKM syariah’s interest in filing a financing to syariah banking. The method used in this research is descriptive method with quantitative approach which analyzed the data using statistic test in form of simple linear regression. The sampling technique used is a non-probability sampling in the form of saturated sampling. The source data used is primary and secondary data while the technique of collecting data used is in form of questionnaire, documentation, and literary study. The result of this research shows that the understanding of the participant (UMKM) about the realization of PUSPA assistance program is done quite well with the cumulative score of 1400. UMKM’s interests in filing a financing to syariah banking is considered low as it is affected by various factors such as business characteristics, psychological, margin value, perception, and society knowledge as well as spiritual aspect. The test result shows that the value of t hitung (0.473) < t tabel (1.7247), this indicates that the PUSPA assistance program is partially not influential towards the UMKM’s interest in filing a financing to syariah banking. This absence of effect is caused by the PUSPA program is not necessarily pushed the interest of UMKM in filing a financing to syariah banking. Moreover, in the process of filing a financing to syariah banking, it is affected by various factors such as business characteristics, psychological, perception, and society knowledge (UMKM), margin value, and spiritual aspect. |
|
| dc.format |
application/pdf |
|
| dc.language |
eng |
|
| dc.publisher |
Prosiding Hukum Ekonomi Syariah |
|
| dc.publisher |
Prosiding Keuangan & Perbankan Syariah |
|
| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/10516/pdf |
|
| dc.rights |
Copyright (c) 2018 Prosiding Hukum Ekonomi Syariah |
|
| dc.source |
Prosiding Hukum Ekonomi Syariah; Vol 4, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2018); 457-463 |
|
| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 4, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2018); 457-463 |
|
| dc.source |
2460-2159 |
|
| dc.subject |
Hukum Ekonomi Syariah |
|
| dc.subject |
Pendampingan Usaha, UMKM, Minat Pembiayaan |
|
| dc.subject |
|
|
| dc.subject |
Business Assistance, UMKM, Financing Interest |
|
| dc.title |
Pengaruh Pendampingan Program PUSPA terhadap Minat UMKM Syariah dalam Pengajuan Pembiayaan ke Perbankan Syariah (Studi pada UMKM peserta program PUSPA 2017 yang diselenggarakan oleh Bank Indonesia Jawa Barat) |
|
| dc.title |
Pengaruh Pendampingan Program PUSPA terhadap Minat UMKM Syariah dalam Pengajuan Pembiayaan ke Perbankan Syariah (Studi pada UMKM peserta program PUSPA 2017 yang diselenggarakan oleh Bank Indonesia Jawa Barat) |
|
| dc.type |
info:eu-repo/semantics/article |
|
| dc.type |
info:eu-repo/semantics/publishedVersion |
|
| dc.type |
Peer-reviewed Article |
|
| dc.type |
Kuantitatif |
|
| dc.type |
Kuantitatif |
|