EFFECTIVENESS OF MICRO SANITATION SCHEME FINANCING FOR MEMBER SATISFACTION OF THE INDONESIAN BENTENG MIKRO SHARIA COOPERATIVE (Case Study at KCP Curug Tangerang)

Abstract

This study aims to determine the Effectiveness of Skim Mikro Tata Sanitasi (MTS) financing in Sharia Cooperative Benteng Mikro Indonesia (BMI) Sub-branch Office of Curug Tangerang in compliance with the established Standard Operating Procedures (SOP) of financing. In addition, to find out customer satisfaction of the Sharia Cooperative BMI Sub-branch Office of Curug Tangerang after using Skim MTS financing. This study uses qualitative analysis methods with data collection techniques through observation, in-depth interviews, and documentation. The purposive sampling technique is used in the selection of informants, namely by selecting sources who are considered most knowledgeable about research topics. The result showed that Skim MTS financing in Sharia Cooperative BMI Sub-branch Office of Curug Tangerang in its implementation was effective, that is under the stipulated financing SOP. However, the Istishna 'Parallel contract used in financing SOP in Sharia Cooperative BMI Sub-branch Office of Curug Tangerang is not under applicable regulations. Another finding, Skim MTS financing provides customer satisfaction with the cooperative related to sanitation development services and results. Implications in this study, Sharia Cooperative BMI Sub-branch Office of Curug Tangerang needs to evaluate the Istishna contract on the SOP implementation of Skim MTS financing it uses.