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Journal : Commodity : Jurnal Perbankan dan Keuangan Islam

SINERGI BANK SYARIAH DAN UMKM DALAM MENINGKATKAN PEREKONOMIAN MELALUI PEMBIAYAAN Kasmiati, Kasmiati
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 1 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i1.1587

Abstract

Sharia banks and UMKM have been known as one of the businesses that are an important sector in the Indonesian economy. This is reflected in its resilience in facing economic turmoil in the monetary crisis that Indonesia experienced in 1998.. Therefore, this article aims to analyze the synergy of Sharia Banks and UMKM in improving the country's economy through channeled financing. This research is a type of exploratory qualitative research. Meanwhile, conclusions are drawn inductively, where data and facts obtained from the field become the reference source. Secondary data is the main data in research collected through documentation from annual financial reports officially published by the Financial Services Authority. The results of this research show that Islamic banks play a role in encouraging UMKM to improve community welfare. This can be seen from statistical data which shows that in four consecutive years, Islamic banks have distributed funds to UMKM in the form of financing amounting to 20-23% of the total financing distributed. Of these funds, 49-62% is intended for working capital needs, while the rest is designed for investment needs to support UMKM productivity in the range of 38-51%.
Co-Authors Adiansyah, Romi Adisaturrahimi, Andi Adriani, Irma Agustina Al Ghifari, Lukman Aziz Alam, Jamaluddin F. Alwinsyah, Alwinsyah Amin, Muhtar Andi Masriah Anggreini Putri, Sas Mupida Annisak, Rizkia Anto, Sardi Arda, Darmi Ardi, Bening Azzahra Arif, Fahmi Arvicha Fauziah Arvicha Fauziah Asfar, A.M.Irfan Taufan Asih Nur Ismiatun, Asih Nur Asman Asman Asmi Citra Malina, Asmi Citra Atisholikhah, Mar Cahyono, Jumanto Nur D. Taufiq, Oyan Dewi Kurnia Sari Dewi, Suryani Diana, Raden Rachmy Dito Anurogo, Dito Dj, MUHAMMAD ZUHRI Djam'an, Fitriwati Dwiany, Fenny M. Ernandini, Endang Fadillah, Ummu Farah Fahrul Fahrul Faida, Zukhrufa Farid Karim, Faradilah Fatany, Alief Ihram fauziah, arvicha Finzho, Oscar Leon Dera Gaffar, Marwan Habibi, Baharudin Yusuf Haerani Rasyid, Haerani Hafidz, Nur Halomoan Hamidah, Akrimah Hamka Hamka Hamka Hamka, Hamka Harianja, Sri Indriani Hasanah, Shafa’ Atul Hasbi, Hartas Hasnawati Nukuhaly Hasni , Uswatul Haulussy, Rais Rahman Hendi, Hendi Hendra Sofyan Heru Kurniawan Hilira, Anggini Putri Hudepri, Hudepri Hulawa, Djeprin E. Idris Idris Ilham Ilham Jaya, Ilham Ilham Jaya Ima, Ima Insani, Nurul Aulia Iskandar, Israini W. Istifarriana, Deva Mega Jakob L Jambormias Jakob L. Jambormias Jambormias, Jacob L. Jambormias, Jakob Lasarus Janah, Sinta MIftakhul Jumarti, Jumarti Juniarti, Rizky Auliah Juniyazaki, Andi BA. Kahar, M. Iksan Kamilah, Nur Adnin Karim, Ikawati Kasma, Andi Sri Rahayu Kusumaningtyas, Fathia Lastari, Decia Sindi Latifa, Auliya Nahrul lidia fitri, lidia Lukman Daris M, Warda Maghfirah, Rabiah Maharani, Annisa Marsudi Marsudi Martien, Ronni Marwany, Marwany Masbukin Masbukin Meriem, Selis Metusalach Metusalach, Metusalach Miranda, Miranda Moore, Abigail M. Muhammad Irfan Muhammad Nur Asmawi Mulia, Nurcahya Indah Muspika Hendri Nabila, Salsa Nor Indriyanti Nunung Suryana Jamin Nur Faiza Nur Rahmah NUR, HASRIATI Nuraeni Nuraeni Nurhayati Zein Nurhikmah Nurhikmah Nurman Nurman Nursiah, Andi Nursinah Amir, Nursinah Ophirtus Sumule, Ophirtus Palaguna, Jumadil Pangaribuan, Tumewa panikkai, sumarni Prabangestha, Prabangestha Prihantini, Campina Illa Purnawanto, Edy QUDRATUDDARSI, HILMAN Rachman, Sitti Hardiyanti Rahagia, Rasi Rahayu Rahayu Rahmayanti, Siti Rahmi, Mufti Hatur Raja Ahmad, Raja Rahima Munawarah Rajiman, Widyawanti Ramadanti, Elga Retoliah Retoliah Rianti, Marlia Rismawati Rismawati Rizki Amalia Rosyadi, Akhmad Fikri Salamah, Sholihatus Saliun, Betty Sam Hermansyah Sanjaya, Utu Sapar Sapar Saragih, Kristiova Masnita Sari, Nurul Aulia Saude Saude Septaningsih, Andi Citra Sinta, Sinta Sinurat, Ellya Sitti Suharni Hermanses sri indriani harianja Suat, Hatty Sudirman Sudirman Sulandari, Siti Suriansyah, Suriansyah Susi Herawati Sutria, Herlin Anggun Syaf, Moh. Najib Syahid, Rahmat Syahrul Syahrul Tassakka, Asmi CMAR. Taufik, Moh. Ilzam Nuzuli Thahir, Musa Wahyuni, Budi Widiana, Sofia Yarnita, Yarnita Yauri, Andi Muhammad Yulianto Yulianto Zaenab, St Zainuddin, Elmi N. Zaitun Zaitun Zulkifli Zulkifli