The effect of mudharabah financing on customers of MSME owner in terms of the economic changes - Pengaruh pembayaan mudharabah pada nasabah pemilik UMKM ditinjau dari perubahan ekonomi

This research is qualitative research that aims to know the influence of mudharabah financing on the economic changes of its costomers through four aspects, such as business assets, business turnover, business income, and business profit. The technique of data retrieval are interviews, observation, and documentation to seven mudharabah financing costomers, Berbek Government, BMT PUMA members, and local society. Data collected then analyzed by reduction data technique with the research result presented by tables, graphics, and description. The result of this study concludes that Small Micro Enterprises (SME’s) experiencing positive economic changes that experienced an increase in the form of business assets reached 90%, increase in business turnover reached 233,33%, increase in business income reached 233,33%, and increase in business profit 150%. But there were still customers who used part of their financing funds for other needs. BMT PUMA gives full trust to customers without monitoring their business. Suggestions that are relevant to the research result is customers are expected to be more trustworthy in using mudharabah financing funds. Moreover, BMT PUMA should be more assertive in overseeing mudharabah financing funds on customers.