The Empowerment Of Small And Medium Enterprises (SMEs) Through Bmt And Cooperative Revolving Fund In Indonesia And Malaysia: International Collaborative Research

Susminingsih, Susminingsih and Fatimah, Fatimah and Hermuningsih, Sri and Kirana, Kusuma Chandra (2017) The Empowerment Of Small And Medium Enterprises (SMEs) Through Bmt And Cooperative Revolving Fund In Indonesia And Malaysia: International Collaborative Research. [Research]

Text THE EMPOWERMENT OF SMALL and MEDIUM ENTERPRISES (SMEs) THROUGH BMT and COOPERATIVE - LAPORAN PENELITIAN PUSAT DIKTIS BU SUSMININGSIH 2017.pdf Download (6MB)

Abstract

The role of BMT and cooperatives in Indonesian and Malaysian economics are undoubtedly. As a country with the biggest muslim population, BMT and cooperatives has proven flexible to be the partner of MSMEs in the face of economic crisis. The development of BMT and cooperatives as the basis of microeconomics strengthens the Indonesian grassroots economy. Cooperative’s and BMT’s working concept are familiar with the characteristics of Indonesian society which majority are muslims, that is mutual help and cooperations. A form of cooperation in the financial or capital sector, that is by using revolving fund. The mechanism of small and medium enterprises empowerment through BMT and cooperatives revolving fund in Indonesia and Malaysia very interesting to study. This research seek to find the contributions the BMT and cooperatives through the revolving fund program in Indonesia and Malaysia. This research applies qualitative and quantitative research method with sampling method. Samples are taken from the existing research subject population. The source of the data that used in this research is primary data which is taken directly from the field and secondary data as the complementer. Qualitative analysis is used to support problem solving in this study that is less able to be answered in quantitative analysis. While quantitative analysis is used for hypothesis testing by using partial least square technique (PLS). The reason for using PLS is because the variable contained in the model is latent with reflective indicator model, so it can not use other way. Pekalongan has the highest percentage (30%) compared to other provinces. The high percentage of the number of batik industries in Pekalongan shows that Pekalongan is still the center of batik industry in Central Java. The subject of the research in this research is the SMEs managers and cooperative managers in the city of Pekalongan Kuala Lumpur, and Kelantan. The tool analysis used in this research is descriptive. This study found that the attention of governments in the two countries towards batik development is basically quite integrated. The research found that various exhibition activities, performances, batik fashion show both national and international levels continue to be pursued. However there is little difference in both countries make the development of batik is also different. Based on the analysis result, the significance value of Revolving Fund affecting Sharia Cooperative in Trengganu is 0,009. This value is still below 0.050, so it is stated that Revolving Fund affect the Shariah Cooperative in Trengganu. Based on the analysis result, the significance value of Sharia Cooperative has an effect on the Welfare of Smes in Trengganu is 0,019. This value is still below 0.050, so it is stated that Sharia Cooperative Influence on Welfare Smes in Trengganu. Financial weakness is sometimes also used by moneylenders who lend money at high interest rates. Based on the analysis result, the significance value of Revolving Fund effect on BMT is 0,026. This value is still below 0.050, so it is stated that Revolving Fund affect SMES prosperity in Pekalongan. Based on the analysis results obtained significant significance BMT value against Smes Welfare is 0.006. This value is still below 0.050, so it is stated that BMT influence on Welfare Smes in Pekalongan. Differences in consumption emerging from the community make the empowerment of batik production in the two different countries.

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