The Effect of BMT Management on Performance to Distribute Productive Financing in Small Business Sectors in Cirebon

The rising of the sharia cooperative performance as the objective of sharia cooperative
management that required for the improvement of financing productive distribution and empowerment of small business trade sector. The fundamental problems faced by the small business trade sector in Indonesia are the lack of access to capital sources and
the weak the role of financial institutions services. Microfinance institutions which be
expected tend to more dominant in consumptive financing rather than productive
financing. While sharia microfinance institutions do not act optimally. Not yet know
how the contribution of the sharia cooperative management in development sharia
cooperative performance and its effect in increasing productive financing distribution
to empower small business trade sector in Cirebon City and Regency. This study used
the explanatory method to explain the causal relationships in the model of
empowerment of small business trade sector through hypothesis testing. Data compiled in the form of cross-sectional between a unit of analysis in Cirebon City and Regency. The research model is formulated as a recursive model and analyzed using path analysis. The finding of the study was: (1) the good management governance of funding, membership and financing had significant in increasing sharia cooperative
performance. And management of membership proven ineffective and very means in
enacting excellence sharia cooperative performance. (2) the sharia cooperative
performance has dramatized the increase means, but not yet effective on sharia
cooperative performance in financing distribution of Murabaha. (3) the financing
distribution of Musyarakah by sharia cooperative performance had a significant effect.
(4) the existence of sharia cooperative performance very helpful for the small business trade sector, mainly in productive financing distribution (Murabahah and Musyarakah).