PENGARUH PEMBIAYAAN PRODUKTIF DENGAN AKAD MURABAHAH DAN MUSYARAKAH TERHADAP PERKEMBANGAN USAHA MIKRO KECIL MENENGAH (UMKM) (Studi Kasus Nasabah UMKM di Bank Syariah Indonesia Kota Pelabuhan Ratu)

This study aims to test and analyze whether or not there is an influence of murabahah and musyarakah financing on the development of Micro, Small and Medium Enterprises (MSMEs) partners of Bank Syariah Indonesia in Pelabuhan RatU City. The sampling technique in this study was taken using the probability sampling method. The number of samples used was 59 respondents. The data obtained were analyzed using multiple linear regression analysis techniques (multiple linear regression) through the Statistical Package for the Social Science (SPSS) Version 26 and Microsoft Excel 2016 software. The results of the study showed that 1) financing with murabahah contracts did not have a significant effect on the development of Micro, Small and Medium Enterprises (MSMEs). 2) Musyarakah financing has a significant effect on the development of Micro, Small and Medium Enterprises (MSMEs).

Keywords: Murabahah financing. Musyarakah financing.
Development of Micro, Small and Medium Enterprises (MSMEs)