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Universitas Trisakti
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Peran Inovasi Produk Bank Syariah Indonesia (BSI) dalam Meningkatkan Akses Pemberdayaan UMKM Azzuhra, Dirra; Hartini, Hartini; Panira, Sismaul; Kamal, Husni
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.374

Abstract

The Program for Empowerment and Enhancement by Bank Syariah Indonesia (BSI) significantly supports micro, small, and medium enterprises (UMKM) in Indonesia by providing Sharia-compliant financing such as murabahah, as well as fostering product development, digital marketing, and managerial skill enhancement. This initiative improves access to capital, enhances competitiveness, and promotes financial inclusion for UMKM, especially in remote areas. The role of Islamic banking product innovation is crucial in increasing UMKM access to funding, with banks acting as financial facilitators aligned with Sharia principles like mudharabah, musyarakah, and murabahah, which help UMKM obtain capital without interest and through fair systems. The research findings indicate that support through Sharia-based financing mechanisms and digital technology innovations can improve transparency and service accessibility, although challenges such as limited product understanding and administrative barriers still need to be addressed. Bank Syariah Indonesia exemplifies this approach by offering various financing products, training programs, and digital platforms that facilitate UMKM access to capital and markets. These innovations significantly contribute to UMKM empowerment, community welfare, and sustainable national economic growth. The findings demonstrate the potential of these efforts to strengthen financial inclusion and accelerate Sharia-based economic development in Indonesia.
Co-Authors Abdul Gafur Aciu, Lia Elena Adinda Putri Ramdhani Adji Sutama Anis, Idrianita Aprilia, Joti Aruan, Anggi Agustina Azura, Amelinda Fairuz Azwar, Beni Azzuhra, Dirra Bahtiar Usman Bahtiar Usman, Bahtiar Bambang Endro Yuwono Deriwanto, Deriwanto Dewi Nilamsari Djohar Tjintamani Eka Apriyanti Emelia Sari Evi Susanti Sinaga Fadila Fadila, Fadila Fafurida Fafurida Fauzan, Ad Fietroh, Muhammad Nur Gita Handayani Tarigan Gusni Muharam Harmaini Harmaini Hartini Rahayu, Dwi Hasbi, Zelfi Haya Uni Aldi Helmi Noviar Henny Setyo Lestari Hermawan, La Ode Hikmawan, Rizki Idi Warsah Idi Warsah, Idi Warsah Idrianita Anis Irama, Debi Irama Isnaeni Nabilah istiqomah istiqomah Iveline Anne Marie Jansen Arsyah, Regina Joseph, Corina Juliana Josephina Alexsandra Kamal, Husni Kartika Lestari, Kartika Khoirun Nisa Mandasari, Jayanti Mardiyono Mardiyono Marinda, Aflia Bela Monica Dwi Hartanti, Monica Dwi Muhammad Arfan Muhammad Syaipul Hayat Mutianingsih, Veronika Nina Haryati, Nina Ningsih, Liasulistia Nur Khoiri Nurasia, Nurasia Nurfadilah, Afifah Oktapiani, Serli Panira, Sismaul Pankham, Sumaman Prihantoro , Prihantoro Prihantoro Prihantoro Prihartini, Wa Ode Zuliah Ramli, Adelia Ramli Ratna Dewi Setiyawati Ratna Shofiati Ratnaningsih Ruhiyat Regina Jansen Arsjah Rina Fitriana, Rina Risnawati Risnawati Riswan R, Muh. Rosyidah, Isy Maryam Rudi Masniadi Rudy Pou, Rudy S, Dina Indrati D. Sari, Syandra Saripuddin, Saripuddin Setiawan, Jamil Siska Herliana Sumarto Sumarto Syamsul Rizal Tanjung, Indra Ismayudi Tanjung, Yulia Windi Teddy Siswanto, Teddy Tektona Agni, Muhammad Teruri, Shabrina Tiara, Meza Titi Lasmini Usman, Bachtiar Veronika Mutianingsih Wahyuni Rusliyana Sari Wahyuninggsih, Yayuk Eko Wawan Kurniawan Wegig Murwonugroho Wiranata, Erik Wirawn, Pandy Akbar Yudha Melianto Zafrida, Siska