ANALYSIS OF MUSYARAKAH FINANCING ON SMALL BUSINESS INCOME BEFORE AND AFTER MUSYARAKAH FINANCING AT PT. BPRS HIKMAH WAKILAH (HEAD OFFICE)

Authors

  • Azlina Politeknik Kutaraja
  • Mirnawati Politeknik Kutaraja
  • Lisnawati Politeknik Kutaraja
  • Khairita H Politeknik Kutaraja

Keywords:

Financing, Musyarakah, Income, Small Business

Abstract

This research aims to determine the influence of Musyarakah financing on
the increase of income for small businesses at PT BPRS Hikmah Wakilah
Kantor Pusat. The data collection technique was conducted by gathering
secondary data in the form of documents containing customer income from
Musyarakah financing before and after the financing was provided. Out of
a population of 391, the sample size was determined using the Slovin
formula, resulting in 98 samples, and the sample was drawn using the
simple random sampling technique. Data analysis techniques were carried
out through descriptive statistics, normality tests, and hypothesis tests
using SPSS 26.0. From the descriptive statistical results, it was found that
the average income after financing was higher than before financing. The
normality test using the Kolmogorov-Smirnov test showed that the data
was not normally distributed, leading to the use of the nonparametric
Wilcoxon Sign rank test for data comparison. The results of the Wilcoxon
Sign rank test, an Asymp. A Sig (2-tailed) value of 0.000 was obtained,
which is less than the critical limit of the research at 0.05. Thus, the research
accepts the alternative hypothesis (Ha) and rejectsthe null hypothesis (Ho),
indicating that there is a significant difference in income between before
and after financing, and all samples experienced an increase in income
after the financing or had a positive value.

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Published

2023-07-31

How to Cite

Azlina, Mirnawati, Lisnawati, & Khairita H. (2023). ANALYSIS OF MUSYARAKAH FINANCING ON SMALL BUSINESS INCOME BEFORE AND AFTER MUSYARAKAH FINANCING AT PT. BPRS HIKMAH WAKILAH (HEAD OFFICE). Jurnal Manajemen, Ekonomi, Keuangan Dan Akuntansi, 4(1), 156–167. Retrieved from https://ejurnal.poltekkutaraja.ac.id/index.php/meka/article/view/281

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