ANALYSIS OF FACTORS INFLUENCING THE SUCCESS OF MUSTAHIQ BUSINESS WITH WORK ETHIC AS AN INTERVENING VARIABLE
Keywords:
Coaching, Mentoring, Work Ethic and Mustahik Business SuccessAbstract
Poverty is a crucial problem that must be overcome with strategic and effective steps. In Aceh, the phenomenon of poor people running ultra-micro-based businesses faces big challenges in accessing business capital financing from formal financial institutions. This group is often considered unbankable because it does not meet the credit worthiness criteria set by the bank, such as having adequate collateral or collateral, as well as regular financial records. As a result, many ultra-micro business actors are forced to take shortcuts by borrowing money from loan sharks, who offer loans with very detrimental interest rates. This practice not only burdens them with mounting debt, but also worsens their economic conditions in the long term. Baitul Mal Aceh, through the instrument of productive zakat utilization, is a solution in efforts to eradicate poverty. This research aims to analyze the factors that influence the success of mustahiq businesses with work ethic as an intervening variable. The method used in this research is a type of quantitative research. The population in this study were productive zakat mustahik who received ultra-micro business capital assistance in Baitul Mal Aceh by drawing a sample of 100 respondents using data collection techniques in the form of distributing questionnaires. The data analysis technique uses the Partial Least Square (PLS) approach using SmartPLS version 3 software. The results obtained are (1) Coaching has a significant positive effect on the success of mustahik businesses; (2) Mentoring has a significant positive effect on the success of mustahik businesses; (3) Coaching has a significant positive effect on work ethic; (4) Mentoring has a significant positive effect on work ethic; (5) Work ethic has a significant positive effect on the success of mustahik businesses; (6) Coaching has a significant positive effect on the success of mustahik businesses with work ethic as a mediating variable; (7) Mentoring has a significant positive effect on the success of mustahik businesses with work ethic as a mediating variable. The results of this research can be used as consideration for Baitul Mal Aceh for decision making in empowering the mustahik economy and as a consideration for mustahik to continue to improve their work ethic in entrepreneurship.
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