The Role of Arrum VOD (Vehicle Ownership Document) Financing Products in Increasing MSME Income

Muhammad Jihad Firman, Akbar Sabani

Abstract


Purpose:This study aims to describe the role of Arrum BPKB financing products in increasing MSME income in Gorontalo City.
Design/methodology/approaches:This research is a field research qualitative descriptive category. The data sources used are primary and secondary data sources.
Findings:The results showed that the role of the Arrum BPKB financing product in Islamic pawnshops in the midst of the people of Gorontalo City received a positive response from the community.
Originality:This research is continued based on previous research,the existence of the Ar-Rrum BPKB financing product at sharia pawnshops as a microfinance institution that has the function and role of providing business capital for MSMEs and having an impact on MSME business development.
Research limitations/implications:Limitations in this study, namely the data collection process, the information provided by respondents through interviews sometimes does not show the actual opinions of the informants, this happens because sometimes different thoughts, assumptions and understandings are different for each respondent, as well as other factors such as the factor of honesty in answering the opinions of informants in interview.
Practical & Social Implications:Arrum BPKB financing products at sharia pawnshops make it easy for small entrepreneurs to get business capital with BPKB guarantees and vehicles that remain with the owner so that they can be used to support day-to-day businesses-day. Arrum BPKB financing products at sharia pawnshops make it easy for small entrepreneurs to get business capital with BPKB guarantees and vehicles that remain with the owner so that they can be used to support day-to-day businesses-day.


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References


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