MODEL PEMBIAYAAN BAITUL MAAL WA TAMWIL DAN PERANANNYA DALAM PEMBINAAN KESEJAHTERAAN USAHA KECIL MENENGAH (UKM)(Studi di KANINDO Syari`ah Cabang DAU­ Malang)

RACHMAN, TAUFIQ (2009) MODEL PEMBIAYAAN BAITUL MAAL WA TAMWIL DAN PERANANNYA DALAM PEMBINAAN KESEJAHTERAAN USAHA KECIL MENENGAH (UKM)(Studi di KANINDO Syari`ah Cabang DAU­ Malang). Other thesis, University of Muhammadiyah Malang.

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Abstract

Micro Income Bait al­Maal wa tamwil is a phenomenon of the 1990s, approximately 31 years ago but it was clearly contributed concrete enough in economic empowerment of the people. While SMEs with various barriers are also granted. Small and Medium Enterprises (SME) is a group of economic actors largest in Indonesia and the economy proved to be a safety valve the national economy in times of crisis, and the growth dinamisator post­economic crisis. In addition to the business sector, the largest contributions to national development, SMEs also create opportunities substantial work for domestic workers, so it is assist efforts to reduce unemployment. One of the inhibiting success of micro, small and medium is difficult to get a clear capital. Meanwhile in the world Islamic financial institutions have credit terms known as financing. One of the financing system in the Baitul Maal Wa tamwil (BMT) is Al Mudharabah (Profit Sharing). The nature of this financing is not harming each other viii because capital fully borne by the BMT and the customer only run their business operational. In granting the loan to the KANINDO customer Sharia­Malang Branch DAU judging from some aspects including the legality, marketing aspects, security aspects, aspects management and finance. The purpose of the analysis to avoid occurrence of bad credit. Based on the results of research in Sharia KANINDO Branch DAUMalang can be concluded that there is a relationship business credit KANINDO Sub Sharia Dau Malang with micro income in District Malang district, KANINDO business credit data Sharia Sub Dau Malang in Malang Regency average included in both criteria while micro income data at Malang regency included in both criteria. The results of this study is expected to be taken into consideration board Sharia KANINDO Dau Malang district in designing a credit system good in business management, so as to improve the quality of KANINDO performance Sharia Sub Dau Malang and micro entrepreneurs in Malang regency which may increase the welfare of particular micro entrepreneurs or people of Malang Regency. One way is to improve the performance of professional management and established programs micro business development professionals.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Islamic Studies > Department of Syariah
Depositing User: Anggit Aldila
Date Deposited: 26 Jun 2012 08:06
Last Modified: 26 Jun 2012 08:06
URI: http://eprints.umm.ac.id/id/eprint/9713

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