Efektivitas Program Pembiayaan Mikro Syariah terhadap Peningkatan Pendapatan Pedagang Kecil di Kota Malang
DOI:
https://doi.org/10.62007/joumi.v4i1.906Keywords:
pembiayaan mikro syariah, pedagang kecil, peningkatan pendapatan, mudharabah, murabahah, LKMS.Abstract
This study analyzes the effectiveness of Islamic microfinance programs in increasing the income of small traders in Malang City. A quantitative approach was applied using a before-after design through a survey of 105 small traders receiving murabahah and mudharabah financing from three Islamic Microfinance Institutions. The data were analyzed using a paired sample t-test and multiple linear regression after validity, reliability, and classical assumption tests. The results show that respondents’ average monthly income increased by 34.7 percent after receiving financing, from IDR2,840,000 to IDR3,826,000, with t = 12.84 and p < 0.001. Mudharabah financing produced a higher income increase of 41.2 percent compared with murabahah at 28.9 percent. The regression model indicates that financing amount, length of membership, contract type, business type, and education level significantly affect income improvement with an R² value of 0.614. These findings confirm that the effectiveness of Islamic microfinance is shaped not only by capital access, but also by contract design, institutional relationship duration, and business assistance attached to financing practices.
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