ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI PENGAMBILAN PEMBIAYAAN DAN EFEKTIVITAS PEMBIAYAAN USAHA KECIL PADA LEMBAGA KEUANGAN MIKRO SYARIAH (Studi Kasus: KJKS BMT Bi na Umat Sejahtera, Lasem, Jawa Tengah) OLEH SHOLIKHA OKTAVI K. H14050914 DEPARTEMEN ILMU EKONOMI FAKULTAS EKONOMI DAN MANAJEMEN INSTITUT PERTANIAN BOGOR 2009
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