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"ABSTRAKThis research aims to analyze the role of active Islamic cooperative in improving the quality of the micro enterprise and know the kinds of cooperative role of Sharia in improving quality of micro enterprises. Qualitative research methods are methods with data retrieval through structured interviews, field observations and documentation.The results of the research show that the BMT BUMi has run its role in General as a cooperative of Sharia that are able to make economic and social activities of its members which is the community around the mosque became a better and prosperous, while the types of initiatives that have been undertaken by the BMT BUMi in the improved quality of micro enterprises only on the physical aspects of the marketing of products and havent touched aspects of marketing management services (quality of service), production management, financial management, simple accounting, human resource management and business ethics."

"Penelitian ini bertujuan untuk mengetahui ada tidaknya dampak faktor eksternal dan internal perbankan syariah terhadap pembiayaan macet, faktor periode mass lalu terhadap pembiayaan macet serta faktor manakah yang paling besar hubungannya dengan pembiayaan rnacet Faktor ekstemal yang digunakan adalah GDP, suku bunga dan inflasi. Sedangkan faktor intemalnya adalah modal, FDR dan pembiayaan. Data-data yang digunakan adalah data-data time series 2001 sarnpai dengan 2006 yang berasal dari Statistik Perbankan Syariah dan Statistik Ekonomi Keuangan Indonesia. Metode penelitian yang digunakan adalah metode Vector Auto Regressive (VAR). Metode VAR umumnya digunakan untuk mempelajari dinamika variabel tertentu setelah terjadinya shock atau perubahan pada perekonomian. Analisis yang lebih ditekankan pada penelitian ini adalah analisis Impulse Response Function dan Variance Decomposition. Kedua analisis tersebut berguna untuk mempelajari perilaku shock suatu variabel dan variabel manakah yang paling besar hubungannya dalam menjelaskan variabeI yang lain. Hasil penelitian menunjukkan bahwa faktor eksternal GDP, suku bunga, dan inflasi memiliki pengaruh atau dampak yang kecil serta hubungan searah atau positif dengan pembiayaan macet pada perbankan syariah. Sedangkan faktor internal perubahan modal memiliki dampak atau pengaruh erat dengan pembiayaan macet dan hubungan terbalik atau negatif. Faktor pembiayaan macet duo dan lima bulan yang :alu memiliki kaitan dengan pembiayaan macet periode sekarang pada perbankan syariah.

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The purposes of this research are to learn whether external and internal factors of sharia banking have certain impacts to non-performing financing, to find out impact of the past experience factor to non-performing financing, and to find which factor that has the highest relationship with non-performing financing (NPF). External factors being used are GDP, interest rate, and inflation, whilst internal factors are capital, FDR, and financing.

This research uses time series data from 2001-1006, taken from Sharia Banking Statistics and Statistics of Indonesian Financial Economy. Vector Auto Regressive (VAR) is the methodology being employed in this research. This methodology is generally used to learn the dynamic of certain variables after shocks in the economy occur. This research stresses the usage of Impulse Response Function and Variance Decomposition analysis. They are used to evaluate shock behaviours of macroeconomic variables and to find which variable that has the highest relationship with default financing variable.

The research has shown that external factors of GDP, interest rate and inflation have the lowest and positive relationship with NPF, whilst the internal factor of capital has the closest and negative relationship with NPF. The NPF variable lag 2 months and 5 months, respectively, have significant correlation with NPF of the sharia banking."