Title : DECISIONS OF DECISIONS OF MICRO-SMALL ENTREPRENEURS IN THE CULINARY SECTOR IN CHOOSING MURABAHAH FINANCING THROUGH BAITUL MAAL WA TAMWIL AMANAH UMMAH SURABAYA
Author : FAISHOL LUTHFI
Universitas Airlangga
Item Type : Thesis (Thesis)
Abstract
This research aims to analyze the determinants of the decisions of micro and small entrepreneurs in the culinary sector in choosing murabahah financing through BMT Amanah Ummah. The subjects of this research are micro and small entrepreneurs at BMT Amanah Ummah. The sample for this research consisted of 100 micro and small entrepreneurs in the culinary sector, members of BMT Amanah Ummah, who were taken using the convenience sampling method. Data collection techniques use questionnaires and documentation. The analysis technique used in this research is exploratory factor analysis. This research will formulate 20 indicators obtained from the preliminary test and then reduce them to factors or variables. The variable to be studied is the decision of micro and small entrepreneurs in the culinary sector in choosing murabahah financing through BMT Amanah Ummah. The stages of the research method are preliminary tests, literature studies, and main tests carried out on 100 micro and small entrepreneurs in the culinary sector, members of BMT Amanah Ummah Surabaya. The results of this research show that there are five factors that influence the decisions of micro and small entrepreneurs in the culinary sector in choosing murabahah financing through BMT Amanah Ummah Surabaya. These factors include ease of service factors, compensation factors, trust factors, BMT image factors and professionalism factors. Financing also has an impact on micro and small entrepreneurs, both in terms of madiyah welfare and spiritual welfare. The impact of financing from the Madiyah welfare side can be demonstrated by an increase in business income. Viewed from a spiritual welfare perspective, financing from BMT Amanah Ummah has helped increase the worship of micro and small entrepreneurs.
Keywords: Micro and Small Entrepreneur Decisions; Baitul Maal wa Tamwil; Exploratory Factor Analysis
