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Tujuan dari penelitian ini adalah U
Tujuan dari penelitian ini adalah Untuk mengetahui bagaimana kendala serta peranan pembiayaan Bai’ Bitsaman Ajil terhadap perkembangan usaha mikro di Kopersi Jasa Keuangan Syari’ah Arjuna.
Metode analisis yang dilakukan dengan data kualitatif deskriptif. Dalam proses pengambilan data dengan cara observasi, wawancara dan dokumentasi. Sedangkan data yang digunakan adalah data primer dan data sekunder kemudian menganalisis dan mengambil kesimpulan dari data tersebut.
Berdasarkan hasil penelitian, diperoleh bahwa peran Bai’ Bitsaman Ajil merupakan salah satu produk pembiayaan yang banyak digunakan di Koperasi jasa keuangan syari’ah. Pada piutang Bai’ Bitsaman Ajil, Pihak KJKS bertindak sebagai penjual sedangkan anggota/ calon anggota pembiayaan bertindak sebagai pembeli dan akad yang digunakan adalah akad jual beli (Bai’) dan cara pembayarannya secara mengangsur. Harga jual yang diberikan kepada anggota/ calon anggota pembiayaan adalah harga pokok ditambah keuntungan atau margin yang telah disepakati kedua belah pihak. Pihak Koperasi Jasa Keuangan Syari’ah menyediakan modal usaha berupa barang bagi para usaha, khususnya usaha mikro karena dari banyaknya nasabah yang mengajukan pembiayaan Bai’ Bitsaman Ajil untuk keperluan usahanya. Hal ini dapat terlihat dari perkembangan jumlah aset pembiayaan mulai tahun 2013 sampai tahun 2015 dan anggota pembiayaan BBA sejumlah 700 orang. Dari wawancara dengan beberapa nasabah yang mengajukan pembiayaan Bai’ Bitsaman Ajil di koperasi Jasa Keuangan Syari’ah Arjuna, mereka mengatakan pembiayaan BBA berpengaruh terhadap perkembangan usaha mereka dan terlihat dalam peningkatan omset meskipun penghasilannya tidak seberapa dari hasil usaha mereka. Maka dari itu dengan adanya pembiayaan Bai’ Bitsaman Ajil ini nasabah sangat terbantu karena dapat digunakan untuk menambah modal dalam pengembangan usaha mikro tersebut.
Kata Kunci : Pemberdayaan, Pembiayaan Ba’i Bitsaman Ajil, Usaha Mikro
Metode analisis yang dilakukan dengan data kualitatif deskriptif. Dalam proses pengambilan data dengan cara observasi, wawancara dan dokumentasi. Sedangkan data yang digunakan adalah data primer dan data sekunder kemudian menganalisis dan mengambil kesimpulan dari data tersebut.
Berdasarkan hasil penelitian, diperoleh bahwa peran Bai’ Bitsaman Ajil merupakan salah satu produk pembiayaan yang banyak digunakan di Koperasi jasa keuangan syari’ah. Pada piutang Bai’ Bitsaman Ajil, Pihak KJKS bertindak sebagai penjual sedangkan anggota/ calon anggota pembiayaan bertindak sebagai pembeli dan akad yang digunakan adalah akad jual beli (Bai’) dan cara pembayarannya secara mengangsur. Harga jual yang diberikan kepada anggota/ calon anggota pembiayaan adalah harga pokok ditambah keuntungan atau margin yang telah disepakati kedua belah pihak. Pihak Koperasi Jasa Keuangan Syari’ah menyediakan modal usaha berupa barang bagi para usaha, khususnya usaha mikro karena dari banyaknya nasabah yang mengajukan pembiayaan Bai’ Bitsaman Ajil untuk keperluan usahanya. Hal ini dapat terlihat dari perkembangan jumlah aset pembiayaan mulai tahun 2013 sampai tahun 2015 dan anggota pembiayaan BBA sejumlah 700 orang. Dari wawancara dengan beberapa nasabah yang mengajukan pembiayaan Bai’ Bitsaman Ajil di koperasi Jasa Keuangan Syari’ah Arjuna, mereka mengatakan pembiayaan BBA berpengaruh terhadap perkembangan usaha mereka dan terlihat dalam peningkatan omset meskipun penghasilannya tidak seberapa dari hasil usaha mereka. Maka dari itu dengan adanya pembiayaan Bai’ Bitsaman Ajil ini nasabah sangat terbantu karena dapat digunakan untuk menambah modal dalam pengembangan usaha mikro tersebut.
Kata Kunci : Pemberdayaan, Pembiayaan Ba’i Bitsaman Ajil, Usaha Mikro
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The purpose of this research is to find out how the constraints of financing and the role of Bai Bitsaman Ajil ' against the development of micro enterprises in the financial services Kopersi Shari'ah Arjuna.A method of analysis is done by qualitative descriptive data. In the process of retrieval of data by way of observation, interview and documentation. While the data used are secondary data primary data and then analyze and take the conclusions from these data.Based on research results, obtained that the role of the ' Bai Bitsaman Ajil financing is one product that is widely used in the financial services cooperative of Shari'ah. On the accounts receivable Bai Bitsaman Ajil, Parties ' KJKS acts as seller while members/prospective members of the financing act as buyer and contract is the contract of buying and selling (Bai ') and the way of payment in mengangsur. The selling price is given to the Member/prospective Member financing is cost of goods plus the profit or margin agreed upon both parties. Financial services Cooperatives Shari'ah parties providing venture capital in the form of goods for their businesses, especially micro enterprises because of the large number of borrowers who filed Bai Bitsaman Ajil ' financing for the purposes of his business. This can be seen from the development of total assets financing starting in 2013 to 2015 and a number of members of the BBA finance 700 people. From interviews with some clients who filed Bai Bitsaman Ajil ' financing in cooperative financial services Shari'ah Arjuna, they say the most influential on the development of the BBA financing their efforts and is seen in the increase in turnover in spite of income how results from their efforts. Thus the existence of financing this Ajil Bitsaman Bai ' greatly helped client because it can be used to increase capital in the development of micro enterprises. Keywords: empowerment, Bitsaman Ba'i Ajil Financing, Micro
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The purpose of this study was to determine how the funding constraints and the role of Bai 'Bitsaman Ajil to the development of micro-enterprises in Financial Services Syari'ah Arjuna cooperatives.
The analytical method performed by descriptive qualitative data. In the process of data collection by observation, interview and documentation. While the data used are primary data and secondary data and then analyze and draw conclusions from these data.
Based on the results of the study, found that the role of Bai 'Bitsaman Ajil financing is one product that is widely used in the financial services cooperative Shari'ah. At receivables Bai 'Bitsaman Ajil, KJKS Party acting as sellers, while members / prospective members to act as buyer financing and contract used is the sale and purchase agreement (Bai') and payment by installments. The selling price is given to members / prospective members are financing or cost plus profit margin has been agreed by both parties. Party Cooperative Financial Services Syari'ah provide venture capital in the form of goods for businesses, especially micro-businesses because of the number of customers who apply for financing Bai 'Bitsaman Ajil for their business purposes. It can be seen from the increasing number of financial assets from 2013 until 2015 and member of BBA financing some 700 people. From interviews with some of the customers who apply for financing Bai 'Bitsaman Ajil Financial Services in cooperative Syari'ah Arjuna, they said BBA financing influence the development of their businesses and seen in an increase in turnover despite meager income from their labor. Therefore with the financing Bai 'Bitsaman this Ajil customers very helpful because it can be used to increase capital in the development of the micro enterprises.
Keywords: Empowerment, Financing Ba'i Bitsaman Ajil, Micro
The analytical method performed by descriptive qualitative data. In the process of data collection by observation, interview and documentation. While the data used are primary data and secondary data and then analyze and draw conclusions from these data.
Based on the results of the study, found that the role of Bai 'Bitsaman Ajil financing is one product that is widely used in the financial services cooperative Shari'ah. At receivables Bai 'Bitsaman Ajil, KJKS Party acting as sellers, while members / prospective members to act as buyer financing and contract used is the sale and purchase agreement (Bai') and payment by installments. The selling price is given to members / prospective members are financing or cost plus profit margin has been agreed by both parties. Party Cooperative Financial Services Syari'ah provide venture capital in the form of goods for businesses, especially micro-businesses because of the number of customers who apply for financing Bai 'Bitsaman Ajil for their business purposes. It can be seen from the increasing number of financial assets from 2013 until 2015 and member of BBA financing some 700 people. From interviews with some of the customers who apply for financing Bai 'Bitsaman Ajil Financial Services in cooperative Syari'ah Arjuna, they said BBA financing influence the development of their businesses and seen in an increase in turnover despite meager income from their labor. Therefore with the financing Bai 'Bitsaman this Ajil customers very helpful because it can be used to increase capital in the development of the micro enterprises.
Keywords: Empowerment, Financing Ba'i Bitsaman Ajil, Micro
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