KONTRIBUSI PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN USAHA MIKRO DI KABUPATEN SUMENEP (Studi pada BPRS Bhakti Sumekar)

This study aims to analyze the contribution of murabahah financing to micro-enterprises and the effect of murabahah financing on the development of micro-enterprises in Sumenep Regency. This research is a type of quantitative research and uses a correlation approach to determine whether or not there are relations to two or more variables. The independent variable in this study is Murabahah Financing. While the dependent variable in this study is Micro Business Development. The data used are primary data obtained from BPRS Bhakti Sumekar and the results of distributing questionnaires to members of murabahah financing. The results of this study indicate that murabahah financing has a role for micro entrepreneurs of BPRS Bhakti Sumekar customers. Murabahah financing is a very appropriate financing for micro entrepreneurs who need funds in developing their businesses. The bank plays a role in providing funds for the capital needs of micro entrepreneurs, and customers will use murabahah financing for capital needs and to support their business. In the regression results indicate thatfinancing Murabahah has a significant effect on the Development of Micro Enterprises with a significance level of independent variables of 0,000 or below 0.05 and t-count is greater than t-table with a t-count value of 16,419> t-table value with value amounting to 2.002, which means that the independent variable has an effect on the dependent variabl