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Risanda Alirastra Budiantoro
Fakultas Ekonomika Dan Bisnis, Universitas Negeri Semarang
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Journal : Bappenas Working Papers

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Strategy Model of Financing Empowerment Programs for Development Micro and Small Business: A Case Study of Pembiayaan Usaha Syariah Programs in Mojokerto City) Risanda Alirastra Budiantoro; Pradipta Puspita Larasati; Sri Herianingrum
Bappenas Working Papers Vol 2 No 1 (2019): Edisi Maret 2019
Publisher : Kementerian Perencanaan Pembangunan Nasional (Bappenas)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (360.839 KB) | DOI: 10.47266/bwp.v2i1.31

Abstract

In business practices, micro and small businesses (SMEs) have several internal and external problems, such as difficulties in the capital. These problems also occur in SMEs in Mojokerto. To solve this SME problem, several stakeholders in Mojokerto collaborated to create a Sharia Financing Program (PUSYAR) on the basis of a Murabahah contract. The implementation of this program has been running for approximately five years, since the memorandum of understanding was signed by the Badan Amil Zakat Nasional Kota Mojokerto, PT. BPRS Kota Mojokerto, Dinas Koperasi Perindustrian dan Perdagangan (Diskoperindag) dan Masyarakat Ekonomi Syariah (MES) in 2013. During this time, the amount of budget allocation and realization, and the number of beneficiaries of the PUSYAR program has increased, so basically, the PUSYAR financing program is needed by SMEs to survive the existing business competition. The renewal of this study describes the PUSYAR program model as a whole and formulates a development strategy by strengthening the roles and responsibilities of the stakeholders involved. Therefore, the aim of this study will be to examine more deeply in formulating the right development strategy of the SME empowerment program through the PUSYAR financing program, so that the usefulness of this program can increase. The hope of the study result can be used as a reference for other local governments or the central government to apply for this PUSYAR program in the future.
Co-Authors A. A. A. WULANDIRA SAWITRI DJELANTIK Afifah Nur Millatina Agus Wahyudin Ahmad Nurkhin Ahmad Syahrul Fauzi Ali, Luthfi G. Ali, Shujahat Amalia Nur Chasanah Anak Agung Istri Sri Wiadnyani Anis Susanti Arif Agus Haidar Arifandi, Muhammad Rizky Arsanda, Tiara Daffa Asrori Athoillah Athoillah, Athoillah Aulia Prima Kharismaputra Awanis Linati Haziroh Az Zahra, Nadia Faiza Bilkis Aulia Luxfiati Bogy Febriatmoko Cahyani, Indah A. Chasanah, Amalia Nur Damas Gianlugi Alrizqi Diana Puspitasari Djoko Widodo Dwi Rahmayani, Dwi Enggarningtyas Retno Pinasti Fatimatuzzahro Fatimatuzzahro, Fatimatuzzahro Febrianur Ibnu Fitroh Sukono Putra Fitrarena Widhi Rizkyana Florensia, Carina Foza Hadyu Hasanatina Foza Hadyu Hasanatina Foza Hadyu Hasanatina Foza Hadyu Hasanatina, Foza Hadyu Hadyu Hasanatina, Foza Hakimi, Fifi Hasan Mukhibad Heri Yanto Herry Subagyo Himmatina, Dina N. Indah Anisykurlillah Indri Murniawaty, Indri Ismiyati, Ismiyati Khaira, Mulil Khalwat Asyaria Khalwat Asyaria Khelle K, Nicky Clara Kholifah, Miftakhul JN Kiswanto Kiswanto Kusni Ingsih lailatis syarifah, lailatis Lamidi, Lamidi Larasati, Pradipta P Larasati, Pradipta Puspita Latifah, Faela R. Lestari, Selvia Puji M Aulia Rachman Mario Rosario Wisnu Aji Masitha Fahmi Wardani Masitha Fahmi Wardhani Maylia Pramono Sari Maylia Pramono Sari Mega Wahyu Widawati Meliana, Rini Mubashir Ahmad Mudinillah, Adam Muhammad Rizky Arifandi Musthofa, Ubaedul Mustofa, Ubaedul Nafisa, Binta Zulfa Nanik Sri Utaminingsih Nora Idiawati Nur Rachmat Arifin Nurhikmah, Abdullah Arif Nursalim Nursalim Perdana, Tito Aditya Pinasti, Enggarningtyas Retno Prabowo Yudo Jayanto Pradipta Puspita Larasati Pradipta Puspita Larasati Prayogi, Joni Putra, Febrianur I.F.S. Rachman, Mohammad Aulia Rachman, Muhammad Aulia Rahmad Hakim Ratna Herawati Ratna Wardani Richatul Jannah Riesanda Najmi Sasmita Rizkyana, Fitrarena Widhi Roymon Panjaitan Sandy Arief Sehabuddin, Ahmad Shujahat Ali Sih Darmi Astuti Sisca Dian Rahmawati Sri Herianingrum Sri Runtiningsih Suci Afnia Syahrul Fauzi, Ahmad Syamsuddin Syamsul Arifin Tamimah Tamimah Tika Widiastuti Tsani, Luthfi Ibnu Vicky Oktavia Vina Amalia, Vina Zahra, Mauren A.