PENGARUH PEMBIAYAAN TALANGAN HAJI (QARD AL IJARAH) TERHADAP PENINGKATAN LABA

Azizatul Hasanah, Khozainul Ulum, Achmad Fageh

Abstract


MAWAR Islamic Savings and Loan Cooperative (KSPPS) is one of the Islamic financial institutions. KSPPS MAWAR as a financial institution whose mission is to empower small and medium and low scale entrepreneurs, which applies sharia principles, and has been proven to play a role in building the economy of the community especially at the lower levels. With this role in society, the MAWAR KSPPS cooperative faces a big challenge. For this reason, it is necessary to develop several strategis of MAWAR KSPPS in developing their income. This research is a quantitative study that aims to determine the effect of the financing of the pilgrimage bailout to increase cooperative profits This research is motivated by the products offered by MAWAR KSPPS, namely the financing of the pilgrimage bailout using the contract qard} al ija>rah where at this time many customers demand. Hajj bailout financing is financing given to members who want to perform the pilgrimage but is constrained by costs. Data sources that I use are primary and secondary data sources. With the method of collecting interview, observation and documentation data. After this research has been carried out, it can be concluded that in principle the financing of the pilgrimage bailout in KSPPS MAWAR the impact is very positive. The results of this study indicate that the pilgrimage bailout financing has a positive effect on increasing profits where the results of hypothesis testing show a significant value <0.05 then H0 is rejected and Ha is accepted. While the results of the coefficient of determination (r square) shows a value of 0.998 or 99.8%. So this value shows the relationship between variable (X) Hajj bailout financing with variable (Y) profit increase in KSPPS MAWAR has a low effect. This shows that there are other factors besides Hajj bailout financing that affect the increase in profits.


Keywords


Hajj bailout financing, profit increase

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