Faktor Penentu Aksesibilitas Pembiayaan Bank Wakaf Mikro pada Pelaku Usaha Mikro di Jawa Timur
Keywords:
Aksesibilitas; Pembiayaan; Bank Wakaf Mikro
Abstract
This study aims to determine the factors that determine the accessibility of financing at Micro Waqf Banks. The method used is a quantitative method, using primary data distributed to micro-entrepreneurs around Islamic boarding schools where Micro Waqf Banks (BWM) are located in East Java. The sample in this study consisted of 100 respondents, namely 75 respondents received financing accessibility and 25 respondents did not receive financing accessibility. Data analysis used in this study was logistic regression using Stata 16. The results of this study indicate that factors that influence financing accessibility at BWM are influenced by the variables of age, education, and assets, while the variables of household size, income, length of business, network or recommendation, and business mentoring do not affect micro-entrepreneurs in financing accessibility at BWM. The limitations or implications of this study are limited to data obtained from two districts or cities in East Java. However, the novelty in this study lies in the accessibility of financing at Micro Waqf Banks, which are LKMS whose funding sources come from social funds, namely waqf.
References
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Rahim Abdul Rahman, A. (2010). Islamic microfinance: An ethical alternative to poverty alleviation. In Humanomics (Vol. 26, Issue 4). https://doi.org/10.1108/08288661011090884
Santoso, D. B. (2016). Credit Accessibility : The Impact of Microfinance on Rural Indonesian Households. Master Thesis.
Vaessen, J. (2001). Accessibility of Rural Credit in Northern Nicaragua: the Importance of Networks of Information and Recommendation / Accessibilité Du Crédit Rural Dans Le Nord Du Nicaragua: L’Importance Des Réseaux D’Information Et De Recommandation. Savings and Development, 25(1), 5–32. http://www.jstor.org/stable/25830748
Zayanie, J. M., Fitria, A., & Kamariah, R. (2019). Bank Wakaf Mikro and Creative Economics in Pesantren Buntet. Shirkah: Journal of Economics and Business, 4(2). https://doi.org/10.22515/shirkah.v4i2.269
Akudugu, M. A., Egyir, I. S., & Mensah-Bonsu, A. (2009). Women farmers’ access to credit from rural banks in Ghana. Agricultural Finance Review, 69(3), 284–299. https://doi.org/10.1108/00021460911002671
Anggraeni, L., Puspitasari, H., El Ayyubi, S., & Wiliasih, R. (2013). Akses UMKM terhadap Pembiayaan Mikro Syariah dan Dampaknya terhadap Perkembangan Usaha: Kasus BMT Tadbiirul Ummah, Kabupaten Bogor. Al-Muzara’ah, 1(1), 56–67. https://doi.org/10.29244/jam.1.1.56-67
Behr, P., Entzian, A., & Güttler, A. (2011). How do lending relationships affect access to credit and loan conditions in microlending? Journal of Banking and Finance, 35(8), 2169–2178. https://doi.org/10.1016/j.jbankfin.2011.01.005
Diana, R. (2019). Kecil Pada Lembaga Keuangan Formal Di Provinsi Analysis of Capital Accessibility of Small Micro Enterprises To Formal Financial Institutions in. Jurnal Ekonomi Dan Pembangunan, 27(1), 67–80.
Disemadi, H. S., & Kholis Roisah. (2019). Bank Wakaf Mikro dan Pengaruhnya Terhadap Inklusi Keuangan Pelaku Usaha Kecil dan Mikro (UKM) | Proceedings of Annual Conference for Muslim Scholars. Law Reform, 15(2), 177–194. http://proceedings.kopertais4.or.id/index.php/ancoms/article/view/141
Fianto, B. A., Gan, C., & Hu, B. (2019). Financing from Islamic microfinance institutions: evidence from Indonesia. Agricultural Finance Review, 79(5), 633–645. https://doi.org/10.1108/AFR-10-2018-0091
Fianto, B. A., Gan, C., Hu, B., & Roudaki, J. (2018). Equity financing and debt-based financing: Evidence from Islamic microfinance institutions in Indonesia. Pacific Basin Finance Journal, 52(August 2016), 163–172. https://doi.org/10.1016/j.pacfin.2017.09.010
Haneef, M. A., Pramanik, A. H., Mohammed, M. O., Haneef, M. A., Amin, F. M., Muhammad, A. D., & Dabour, N. (2013). Integration of Waqf and Islamic Microfinance for Poverty Reduction: A Survey in Kuala Selangor, Malaysia. In Journal of Islamic Finance (Vol. 2, Issue 2).
Hassan, A., & Saleem, S. (2017). An Islamic microfinance business model in Bangladesh: Its role in alleviation of poverty and socio-economic well-being of women. Humanomics, 33(1), 15–37. https://doi.org/10.1108/H-08-2016-0066
Kaleem, A., & Ahmed, S. (2010). The Quran and Poverty Alleviation. Nonprofit and Voluntary Sector Quarterly, 39(3), 409–428. https://doi.org/10.1177/0899764009332466
Li, X., Gan, C., & Hu, B. (2011). Accessibility to microcredit by Chinese rural households. Journal of Asian Economics, 22(3), 235–246. https://doi.org/10.1016/j.asieco.2011.01.004
Lin, L., Wang, W., Gan, C., Cohen, D. A., & Nguyen, Q. T. . (2019). Rural Credit Constraint and Informal Rural Credit Accessibility in China. Sustainability, 11(7), 1935. https://doi.org/10.3390/su11071935
Ma, S., Wu, X., & Gan, L. (2019). Credit accessibility, institutional deficiency and entrepreneurship in China. China Economic Review, 54(January 2018), 160–175. https://doi.org/10.1016/j.chieco.2018.10.015
Maadi, A. S. (2018). INSTRUMEN BANK WAKAF MIKRO : Alternatif Pemberdayaan Ekonomi Pesantren. INSTRUMEN BANK WAKAF MIKRO : Alternatif Pemberdayaan Ekonomi Pesantren, April, 449–454.
Mohamed. (n.d.). Access to Formal and Quasi-Formal Credit by Smallholder Farmers and Artisanal Fishermen: A Case of Zanzibar.
Muheramtohadi, S. (2017). Peran Lembaga Keuangan Syariah dalam Pemberdayaan UMKM di Indonesia. MUQTASID Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 95. https://doi.org/10.18326/muqtasid.v8i1.95-113
Nugrahana, Y. R. Y., & Zaki, I. (2020). Peran Bank Wakaf Mikro Di Masa Pandemi Covid-19. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(9), 1731. https://doi.org/10.20473/vol7iss20209pp1731-1742
Okten, C., & Osili, U. O. (2004). Social networks and credit access in Indonesia. World Development, 32(7), 1225–1246. https://doi.org/10.1016/j.worlddev.2004.01.012
Okurut, F. N., & Okurut, F. N. (2000). ACCESS TO CREDIT BY THE POOR IN SOUTH AFRICA : Evidence from Household Survey Data 1995 and 2000 ACCESS TO CREDIT BY THE POOR IN SOUTH AFRICA : Evidence from Household Survey Data 1995 and 2000.
Rahim Abdul Rahman, A. (2010). Islamic microfinance: An ethical alternative to poverty alleviation. In Humanomics (Vol. 26, Issue 4). https://doi.org/10.1108/08288661011090884
Santoso, D. B. (2016). Credit Accessibility : The Impact of Microfinance on Rural Indonesian Households. Master Thesis.
Vaessen, J. (2001). Accessibility of Rural Credit in Northern Nicaragua: the Importance of Networks of Information and Recommendation / Accessibilité Du Crédit Rural Dans Le Nord Du Nicaragua: L’Importance Des Réseaux D’Information Et De Recommandation. Savings and Development, 25(1), 5–32. http://www.jstor.org/stable/25830748
Zayanie, J. M., Fitria, A., & Kamariah, R. (2019). Bank Wakaf Mikro and Creative Economics in Pesantren Buntet. Shirkah: Journal of Economics and Business, 4(2). https://doi.org/10.22515/shirkah.v4i2.269
Published
2025-10-28
How to Cite
Diniyah, F., Widjaja, M. Y. A., & Syafira, S. R. (2025). Faktor Penentu Aksesibilitas Pembiayaan Bank Wakaf Mikro pada Pelaku Usaha Mikro di Jawa Timur. Jurnal Ekonomi Syariah Pelita Bangsa, 10(02), 387-398. https://doi.org/10.37366/jespb.v10i02.2767
Section
Articles
