Pengaruh Pembiayaan Mudharabah Terhadap Perkembangan Usaha Nasabah Pada BMT Pradesa Finance Mandiri Tanjung Beringin

Abstract

This study focuses on the discussion of the effect of mudharabah financing distributed by BMT Pradesa Finance Mandiri Tanjung Beringin on the business development of the customers who receive the financing. The type of research carried out is quantitative research that emphasizes numerical data (numbers) which is processed by inferential statistical methods (performing analysis of relationships between variables by testing hypotheses). Processing and in this study using computer programs SPSS and Microsoft Office Excel. The data analysis in this study used validity test, reliability test, normality test, t test, r test, and simple linear regression analysis. The results of the study explain that there is a significant influence between mudharabah financing on customer business development at BMT Pradesa Finance Mandiri Tanjung Beringin. This is obtained from the results of the hypothesis test, namely the t test which shows that the significance value is less than 0.05 (0.000 < 0.05) and the t_count > t_table (8.219 > 2.02439) then there is an effect of variable X on variable Y. Financing mudharabah distributed by BMT Pradesa Finance Mandiri Tanjung Beringin affected the business development of customers receiving the financing by 63.1%. There is a positive or in line relationship between Mudharabah Financing (X) and Business Development (Y), the greater the mudharabah financing disbursed by BMT Pradesa Finance Mandiri Tanjung Beringin, the business development of the customer receiving the mudharabah financing will increase, and vice versa the smaller the mudharabah financing disbursed by BMT Pradesa Finance Mandiri Tanjung Beringin, the business development of customers who receive mudharabah financing will decline.