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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Tauhidinomics JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Jurnal Studi Islam jurnal niara Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Pendas : Jurnah Ilmiah Pendidikan Dasar Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam EconBank : Journal Economics and Banking International Journal of Zakat (IJAZ) Al Huquq : Journal of Indonesian Islamic Economic Law Musikolastika: Jurnal Pertunjukan dan Pendidikan Musik Jurnal Ekonomi dan Perbankan Syariah Tijarah Journal of Religion and Public Health Ar Rasyiid Journal of Islamic Studies
Erika Amelia
UIN Syarif Hidayatullah Jakarta
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : Tijarah

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Optimization of Profit-Sharing Financing for the Recovery of MSMEs in Islamic Banks During the Covid-19 Pandemic Trimulato, Trimulato; Rodoni, Ahmad; Amelia, Erika
Tijarah: Jurnal Ekonomi Syariah Vol 4, No 1 (2025): Tijarah: Jurnal Ekonomi Syariah
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/tijarah.v4i1.1569

Abstract

This study aims to analyze the development and optimization of profit-sharing financing by Islamic banks to support MSMEs' recovery during the Covid-19 pandemic. Using a qualitative library research approach, the study collected secondary data from OJK, academic journals, and relevant reports. Descriptive qualitative analysis reveals that while profit-sharing financing slightly declined during the pandemic, it remains a strategic instrument for promoting MSME resilience. Optimizing profit-sharing schemes, such as mudharabah and musyarakah, requires stronger bank-customer partnerships and adaptive financial strategies to support real sector recovery.ABSTRAKPenelitian ini bertujuan untuk menganalisis perkembangan dan optimalisasi pembiayaan bagi hasil oleh bank syariah untuk mendukung pemulihan UMKM selama pandemi Covid-19. Dengan menggunakan pendekatan penelitian kepustakaan kualitatif, studi ini mengumpulkan data sekunder dari OJK, jurnal akademik, dan laporan yang relevan. Analisis kualitatif deskriptif menunjukkan bahwa meskipun pembiayaan bagi hasil sedikit menurun selama pandemi, pembiayaan bagi hasil tetap menjadi instrumen strategis untuk mendorong ketahanan UMKM. Optimalisasi skema bagi hasil, seperti mudharabah dan musyarakah, membutuhkan kemitraan bank-nasabah yang lebih kuat dan strategi keuangan yang adaptif untuk mendukung pemulihan sektor riil.
Co-Authors Abdurrohman Akbar, Firman Muhammad Afrizal Yudha Setiawan Ahmad Rodoni AlJannah, Eine Kiswah Amilin Amilin, Amilin Aprilianti, Astiti Chandra Aprilianti, Astiti Chandra Arief, Zaenal Ariyanti, Fajar Chanthy, Chhorn Claresta Octavina Ahmad Darwanto Darwanto Devi Dwi Sulastri Dhika Bayu Mahardhika Dimas Kenn Syahrir Duta Ananda Edi Sutanto Endah Meiria Erniati Rizky Islamiah Eva Fauziah Hardini Hadziq, M Fuad Haqiqi, Ahmad Zaki Intan Lilis Sugiarti Irhamsyah Putra Khodijah Qodiryani, Masayu Ustadzah Maria Qibtiyah Marsyanda, Rintia Maryadi Maryadi Muhammad Harfi Ramdan Muhammad Rendy Sanjaya Putra Muhtadi Nurmansyah, Muhammad Iqbal Qizam, Ibnu RAHMAT IQBAL Ratri Ciptaningtyas Riastuti Kusumawardani Selvia Nuriasari Simalango, Harold Marshall Terminanto, Ade Ananto Trimulato Trimulato Trimulato, Trimulato Yusup, Mohammad Zakiyudin, Muhammad Ali