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description Journal article public Kontekstualita: Jurnal Penelitian Sosial Keagamaan

Dampak Lembaga Keuangan Mikro Islam dalam Peningkatan Pendapatan dan Pengentasan Kemiskinan di Provinsi Aceh: Studi Kasus di Baitul Qiradh Aceh

Asmawati Asmawati
Published 2015

Abstract

Since 1995 Baitul Qiradh has been serving low-income people who mostly work as micro enterprises by providing microfinance in Province Aceh. This study was conducted to assess and analyse the impact of baitul qiradh' microfinance services to increase the income and reduce poverty among the recipients. Primary data were collected from 208 completed questionairres distributed to the clients of 8 BQ in six district/city in Province Aceh, in order to find out their perceptions on their impacts they observed on their socio-economic lives after receiving financing from the institutions in question. The finding show that the average mean income after financing was increased significantly IDR 838.221 (42.92%) than before financing. Socio-economic factors that influence the increase customer income in this study is the level of education, amount of loan and entrepreneurial training participant. The results importantly also found that the financing has help in decrease in poverty among the clients from 39.4% before financing to 12.5% after financing. This study suggest Baitul Qiradh to improve their service not only financial side but also social services, to promote their financing products to community, to making tutorial meeting (monthly) to improve clients understanding on Islamic values in a practical way, to be more innovative in designed their financial product to fulfill the needs of their clients particular and community, and to develop link network to other financial institution (bank and non- bank), NGO dan goverment in implement their activity

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