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All Journal Jurnal Riset Kesehatan Nursing News : Jurnal Ilmiah Keperawatan Manajer Pendidikan: Jurnal Ilmiah Manajemen Pendidikan Program Pascasarjana Primanomics : Jurnal Ekonomi & Bisnis Benchmarking: Jurnal Manajemen Pendidikan Islam Jurnal Pendidikan Fisika dan Teknologi JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Journal Of Business, Finance, and Economics (JBFE) EKONOMIKA45 Mumtaz : Jurnal Ekonomi dan Bisnis Islam Jurnal Terapan Ilmu Manajemen dan Bisnis (JTIMB) Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Jurnal Riset Manajemen JSE: Jurnal Sharia Economica Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Ilmiah Research Student Al-Tarbiyah: Jurnal Ilmu Pendidikan Islam Moneter : Jurnal Ekonomi dan Keuangan Jurnal Budi Pekerti Agama Islam Advances in Management & Financial Reporting JURNAL AKADEMIK EKONOMI DAN MANAJEMEN J-CEKI JIMEK
Fitri Hayati
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Journal : Primanomics : Jurnal Ekonomi

 1 
The Role of Sharia Microfinance Institutions in Fulfilling the Capital Needs of Micro, Small and Medium Enterprises: Case Study of BPRS AL WASLIYAH MEDAN sabbrina, Aura; Anisya Putri Ertani Daulay; Shara Jumiati Siregar; Irfan Andinata; fitri hayati
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 1 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i1.3470

Abstract

This research aims to analyze the role of sharia microfinance institutions, with a focus on PT. BPRS Al-Washliyah, in providing capital financing for MSME players, as well as identifying factors that influence the effectiveness of sharia financing in supporting the development of small businesses. One of the main challenges faced is the lack of understanding by MSME actors regarding the principles of sharia finance, thus hampering the use of these services. This research uses a qualitative descriptive approach through interviews, observations and documentation analysis to explore the relationship between sharia microfinance institutions and the growth of MSMEs, as well as finding solutions to the obstacles faced. The research results show that the Murabahah financing scheme implemented by PT. BPRS Al-Washliyah is in accordance with sharia principles as regulated in DSN Fatwa Number 04/DSN-MUI/IV/2000. This financing provides easy capital with a ceiling of up to 50 million rupiah, which contributes to the business development of MSME players. However, collateral requirements remain a challenge for some customers. To overcome these obstacles, banks implement strategies such as in-depth credit analysis, regular monitoring, and competitive product promotions. These steps demonstrate the bank's commitment to supporting the growth of MSMEs, strengthening the local economy, and encouraging sharia-based financial inclusion in society.
Co-Authors Adelia Khirani Lubis Adisty Aulia Zahra Amanda Mutiara Hasibuan Amelia Putri Anak Agung Istri Sri Wiadnyani Ananda Bintang Anggi Pretty Nadya Rumapea Anggun Khairunnissa Agustin Anggun Sari Fadilla Anisya Putri Ertani Daulay Annisa Riani Simbolon Arofiani Mutmainah Atika Safitri Aulia Syahfitri Cici El Dirrah Syafitri S Cynthia Ananda Br Tarigan Devi Herawati Dian Novita Dinata Dina Sari Dinda Ravina Dwi Hartina Dwi Marlena Dwi Septianingrum Ella Trafera Mesyah Elvira Andriyani Enia Fadila Sitakar Ermiannur, Ermiannur Fadia Anisa Fahrinsal Sitorus Faqih At Thariq Harahap Fauziah Nasution Gemma Surya Gemilang Gina Alya Sari Habibah Ramadhani Nasution Haura Afnani Zanjabila Hendestri Br Sembiring Hidayati Ika Salsabila Irfan Andinata Isma Tara Jelita Ramadhani Marpaung Lathifah Ananda Putri Lubis, Rasikah Firjatullah M. Arief Rahmadiansyah Purba M. Faisal Haririe M. Syawal Pitriyadi Makmur Syukri Maysa Chairani Melisa Melisa MIFTAHUL JANNAH Miratul Imaniah Muhammad Ancha Sitorus Muhammad Farhan Muhammad Iqbal Muhammad Rifa`i Nabila Keysha Mutmainah Nadia Anggraini Najwa Nabila Nasrul Syakur Chaniago Nazla Sabirah Neha Sartika Ngesti W. Utami Nirwana, Devi Nopita Rahma Nur Azizah Nurhayati Nurhayati Nurhidayah Nurhidayah Nuri Yuliani Nurul Hadianti Nurul Hidayah Popi Dea Ananda Puteri Lamsiah Putra Apriadi Siregar Putri Febby Aulia Ratna Sari Hasibuan Raulanda Dwi Putra Reni Armayani Nasution Rezza Pramudipa Rissa Yulinda Rizky Azura Ruli Pebrina br. Sitepu Rustam Rustam sabbrina, Aura Sadepa Putri Br Sunulingga Salbiah Salbiah Salma Agita Sitepu Salsabila Sofiya Wardani Sawaluddin Harahap Sembiring, M Ilham Septian Dwi Cahya Shara Jumiati Siregar Siti Jumaidah Sri Muliyani Sri Sudiarti Susmini Susmini Syahida, Tiara Nurul Syahla Nabila Tiara Tirta Dewi Tio Wirayuda Tri Wulan Hasibuan Uswatun Hasanah Sitompul Vany Fadillah Bastian Wida Yustika Widiya Wati Widya Anggraini Yauma Afriyanti Yusromuin Munthe