Pengaruh Pembiayaan Murabahah terhadap Pendapatan Nasabah Usaha Mikro PT. BPRS Berkah Dana Fadhlillah Air Tiris Kabupaten Kampar

Layla - Hafni; Jansen - -

Layla - Hafni Universitas Tamansiswa Padang
Jansen - - Universitas Tamansiswa Padang

Abstract

The Purpose of this research was to find out how the procedure murabaha financing, describe and analyze the influence of murabaha financing to micro business customer revenue at PT. BPRS Berkah Dana Fadillah Air Tiris. The population was a micro business financing customers of PT. BPRS Berkah Dana Fadhlillah Air Tiris which amounted to 940 clients, totaling 30 samples and sampling technique used purposive sampling technique. Data collection methods used were interviews. Data analysis method used in this research was a simple linear regression analysis. The results showed, from simple linear regression equation obtained Y = 1015282.939 + 0,035x, while the hypothesis testing performed by t test proving that micro business customers incomes affacted to murabaha financing of PT.BPRS Berkah Dana Fadhlillah Air Tiris before and after murabaha financing. The calculation result of determination (R Â²) provides information that the 83.1% increase in revenues micro business customers affected by murabaha financing of PT. BPRS Berkah Dana Fadhlillah Air Tiris while the rest influenced by other variables that was not included in this research model. Results of the analysis of the correlation coefficient also explained that the financing murabaha have a very strong relationship and positive impact on customers' income micro enterprises of PT. BPRS Berkah Dana Fadhillah Air Tiris.

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