Optimization of Mudharabah Financing in The Development of MSMEs Sharia People’s Finance Bank (BPRS)

Abstract

The most common Micro, Small and Medium Enterprises (MSMEs) faced by companies are limited capital. Micro, Small and Medium Enterprises (MSMEs) may have many ideas to develop their business but must stop because there is no additional capital. This study aims to analyze the optimization of financing and mudharabah financing at Sharia People's Financing Banks for the development of MSMEs. This type of research is quantitative descriptive using secondary data. The data analysis method used is Multiple Linear Regression. The results of the partial research on Financing Optimization have a positive and significant effect on MSME Development and Mudharabah Financing has a partly positive and significant effect on the development of MSMEs. Simultaneously, Optimization of Financing and Mudharabah Financing have a positive and significant effect simultaneously on MSME Development. Keywords: Financing Optimization, Mudharabah Financing, and MSME Development