Independent samples test indicated that entrepreneurship motivation between male and female students differs (t = 12.767, P<0.05). Pearson's correlation showed a high, positive and significant association between students' involvement in entrepreneurship and income diversification (0.97, P<0.01). Furthermore, fund from parents and personal savings were the main sources of capital used to start a business. The study identified University entrepreneurship internship programme and parental occupation as main sources of entrepreneurship awareness accruable to university students. Result indicated that family knowledge and natural ability did not determine students' entrepreneurship involvement but the need for money, desire to become self-dependence and the desire to be employers of labour. Data was obtained through the administration of a structured questionnaire to undergraduate students with personal business irrespective of the scale. The study evaluated entrepreneurship involvement among undergraduate students of Cross River State University of Technology, Ogoja Campus, Cross Rive State. Keywords: Baitul Maal Muamalat, Micro financing, Business Model In addition, BMM arranged the curriculum model of financing through the KUM3 program. The KUM3 financing model is Sharīcah based model that use a variety of Islamic contract such as profit and loss sharing system between participants. There are three kinds of financing program of KUM3 which are Aqh Model, second, Qard model and the third is Musharakah model.

The program mission are to facilitate the micro business community through the utilization of ZIS (Zakat, Infaq and Sadaqah) funding, to build organization quality of the mosque as a basis of development and strengthening the quality of brotherhood as the basis for the establishment of micro enterprises, encourage the habit of giving, and create awareness of modern business management and ensure the business activity free from Maysir, Gharar, and Ribā. This program encourages Mustahik to increase their business line with modern business management. While KUM3 program is channeling micro financing to 24 cities that are consist of 183 mosques and 4647 Mustahik (poor recipients).

LKMS program is channeling fund to Islamic Micro Finance Institutions (IMFIs) through linkage program. The funds are distributed in the form of the micro financing program for economic empowerment through LKMS and KUM3 program. During 2010 Bank Muamalat has been distributed the social fund through BMM as much as Rp 22.8 billion.

This paper attempts to elucidate the micro financing products and business models of micro finance in Baitul Maal Muamalat (subsidiary of Bank Muamalat Indonesia).

Cipp model of program evaluation ppt