Kajian Motif Pemilihan Skema Pembiayaan  LKMA PUAP


  • Dedi Junaedi IAI-N Laa Roiba


Agribusiness, direct aid societies, microfinance, motif, PUAP, Sharia.


The objective of this research is to explore the motif election financing scheme Rural Agribusiness Development (PUAP), knowing what factors affect the performance PUAP, and test whether performance sharia PUAP different from conventional PUAP in Central Java in 2008-2011. The study was conducted in the District of Banjarnegara, Banyumas, Jepara, Kendal and Kendal during the period from July to December 2012 Using qualitative and quantitative methods with a dummy variable multiple regression approach, the manager LKMA PUAP 185 respondents of this study with purposive sampling approach. From about 2267 LKMA PUAP in Central Java, the majority (87.25%) chose to operate with conventional financing scheme and only 289 (12.75%) which apply sharia scheme or the principle of profit sharing (profit sharing). Research shows PUAP sharia been selected for the motive of religious considerations (40.6%), while the conventional PUAP been LKMA practical reasons (35.3%) and the economy (30.2%). In the perception of respondents, LKMA PUAP sharia is considered more appropriate to the creed, manifestations of worship, fields expectation of reward, blessing and benefit. PUAP LKMA conventionally considered more practical, safe, and familiar with the daily habits of members. Statistical analysis showed motif election financing scheme LKMA significantly affected by the financing scheme (Sharia), education level (Educate), and regional differences (Kab). Motif scheme selection is also different between the respondent and the respondent voters LKMA sharia conventional LKMA voters.


Author Biography

Dedi Junaedi, IAI-N Laa Roiba

Ekonomi, Keungan, Bisnis



How to Cite

Junaedi, D. (2020). Kajian Motif Pemilihan Skema Pembiayaan  LKMA PUAP. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 1(2), 194-218. Retrieved from http://ojs.journal.my.id/ojs/index.php/elmal/article/view/10