Analysis of the Effectiveness and Prospects of Micro Credit of Baitul Qiradh in Banda Aceh City

Article Sidebar

PDF
Published: Jun 30, 2019
DOI: https://doi.org/10.35870/emt.v3i1.91
Keywords:
Baitul Qiradh Microcredit Efectiveness Prospects

Main Article Content

Endra Gunawan
Sekolah Tinggi Ilmu Ekonomi Sabang (STIES)
Muhammad Ridha Ramli
Sekolah Tinggi Ilmu Ekonomi Sabang (STIES)

Abstract

This study aims to analyze the effectiveness and prospects of the microcredit of Baitul Qiradh in Banda Aceh City. Data gathering was carried out by distributing questionnaires to 140 customers from seven Baitul Qiradh. Furthermore, the data were analyzed descriptively using the average method. The study found that in general customers had a good assessment of microcredit channeled by the non-bank financial institutions. Unless useful to encourage the growth of their businesses, microcredit also has an impact on improving their standard of living and well-being. So that they are satisfied with the credit services they receive. Thus it can be concluded that microcredit at Baitul Qiradh in Banda Aceh not only effective for business improvement and customer welfare but also has good prospects in the future.

Downloads

Download data is not yet available.

Article Details

How to Cite
Gunawan, E., & Ramli, M. R. (2019). Analysis of the Effectiveness and Prospects of Micro Credit of Baitul Qiradh in Banda Aceh City. Jurnal EMT KITA, 3(1), 16–24. https://doi.org/10.35870/emt.v3i1.91
Issue
Vol. 3 No. 1 (2019): JANUARY-JUNE 2019
Section
Articles
Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

An author  who publishes in  the  Jurnal Manajemen Teknologi agrees to the following terms:

  1. Author retains the  copyright and grants the journal the right of first publication of  the work simultaneously licensed under the Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Author is  able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book)with the  acknowledgement of its initial publication in this journal.
  3. Author is  permitted and encouraged to post his/her  work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of the published work (See The Effect of Open Access).

Creative Commons LicenseJurnal Ekonomi Manajemen Teknologi (EMT) KITA by http://journal.lembagakita.org/index.php/emt/index is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

References

Adisasmita, R. (2011). Pengelolaan Pendapatan dan Anggaran Daerah. Yogyakarta: Graha Ilmu.

Aditya, S. W (2012) Efektivitas Program Kredit Usaha Rakyat (KUR) dalam Pengembangan Usaha Mikro di PT Bank Rakyat Indonesia (BRI) Persero Cabang Diponegoro, Jurnal Ekonomi dan Bisnis, 12(6), 124-141.

Amri, K. (2014). Pengaruh Kemampuan Kerja, Komunikasi, Kekompakkan Tim Kerja dan Kepemimpinan Terhadap Kualitas Laporan Hasil Pemeriksaan Inspektorat Aceh, Jurnal Ilmiah Manajemen Muhammadiyah 2(2), 123-134.

Amri, K. (2015). Pengaruh Perilaku Kepemimpinan dan Motivasi Dalam Meningkatkan Produktivitas Kerja Karyawan PT Bank Sinarmas Tbk Cabang Banda Aceh, Jurnal Ekonomi Manajemen dan Bisnis, 3(1), 522-536.

Amri, K. (2017). Analisis Pertumbuhan Ekonomi dan Ketimpangan Pendapatan: Panel Data 8 Provinsi di Sumatera, Jurnal Ekonomi dan Manajemen Teknologi, 1(1), 1-11.

Amri, K. (2018). The macroeconomic impact of regional minimum wages: A cross-province data evidence from Indonesia, Regional Science Inquiry, 10(3), 163-176.

Amri, K., & Aimon, H. (2017). Pengaruh Pembentukan Modal dan Ekspor Terhadap Pertumbuhan Ekonomi Indonesia, Economac 1(1), 1-16.

Amri, K., & Nazamuddin. (2018). Is there causality relationship between economic growth and income inequality? Panel data evidence from Indonesia, Eurasian Journal of Economics and Finance, 6 (2), 8-20.

Amri, K., Masbar, R., Nazamuddin.,& Aimon, H. (2019). Is there a causality relationship between local tax revenue and regional economic growth? A panel data evidence from Indonesia,Regional Science Inquiry, 11 (1), 73-84.

Amri, K., & Surya, J. (2013). Kajian Perilaku Mahasiswa Dalam Menggunakan Internet Dengan Pendekatan Technology Acceptance Model (TAM), Jurnal Penelitian Pos dan Informatika 3 (1), 67-80.

Amri, K., Qurratul’aini, I., & Julianty. (2018). Preferensi Nasabah Memilih Produk Pembiayaan Bank Aceh Syariah di Kota Banda Aceh, Jurnal Samudra Ekonomi dan Bisnis 9(1), 31-41.

Amri, K., & Marwiyati. (2019). Preferensi Muzakki Membayar Zakat Melalui Baitul Mal: Studi Empiris di Kota Banda Aceh, Jurnal Manajemen dan Sains, 4(2), 386-391.

Djasmin, S., & Yevis, M.O. (2002). Perilaku Konsumen dan Pemasaran Strategi. Linda Karya, Jakarta.

Farnita, I., & Amri, K. (2013).Persepsi Mahasiswa Terhadap Kualitas Layanan Pendidikan Akademi Manajemen Informatika dan Komputer Indonesia (AMIKI) Banda Aceh, Jurnal Ekonomi Manajemen dan Bisnis 1(1), 118-139.

Iskandar, D., & Amri, K. (2014).Pengaruh Daya Tarik Iklan, Kualitas Pesan Iklan dan Frekuensi Penayangan Iklan Terhadap Efektifitas Iklan Televisi Produk Mie Instan Merek Indomie Goreng Cabe Ijo, Jurnal Ekonomi Manajemen dan Bisnis, 2 (2), 424-437.

Kasmir. (2010). Manajemen Perbankan, Cetakan Keempat, PT RajaGrafindo Persada, Jakarta.

Krugman, P. R., & Maurice, O. (2004). Ekonomi Internasional: Teori dan Kebijakan, PT Rajagrafindo Persada, Jakarta.

Mahmudi. (2005). Manajemen Kinerja Sektor Publik. Yogyakarta: UPP AMP YKPN.

Makmur.(2011). Efektivitas Kebijakan Kelembagaan Pengawasan. Bandung: Refika Aditama.

Moeliono, A. M. (2007). Kamus Besar Bahasa Indonesia, Balai Pustaka, Jakarta.

Muliadi., & Amri, K. (2019). Infrastruktur Jalan, Belanja Modal dan Kesempatan Kerja: Bukti Data Panel Kabupaten Kota di Aceh, Jurnal Manajemen dan Sains, 4(2), 334-341.

Putra, I. G. A. A. S, (2013) Efektivitas dan Dampak Program Bantuan Kredit Usaha Rakyat (KUR) terhadap Pendapatan dan Kesempatan Kerja Usaha Mikro Kecil dan Menengah (UMKM) di Kota Denpasar, Jurnal Ekonomi Pembangunan Universitas Udayana, 2(10), 457-468.

Ratnawati., & Amri, K. (2013). Pengaruh Keadilan Organisasional, Kepercayaan Pada Atasan Terhadap Perilaku Kewargaan Organisasi (Organizational Citizenship Behavior), Jurnal Ekonomi Manajemen dan Bisnis1(1), 56-73.

Robbins, S.,& Coulter, M. (2013).Manajemen, Edisi Kedelapan, Indeks, Jakarta.

Wijono, W. (2005).Pemberdayaan Lembaga Keuangan Mikro sebagai Salah Satu Pilar Sistem Keuangan Nasional: Upaya Konkrit Memutus Rantai Kemiskinan. Kajian Ekonomi dan Keuangan (Edisi Khusus). Pusat Pengkajian Ekonomi dan Keuangan. Badan Pengkajian Ekonomi, Keuangan dan Kerjasama Internasional. Departemen Keuangan.