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Hartini
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 Aciu, Lia Elena Adinda Putri Ramdhani Agustanti, Sri Primaini Anis, Idrianita Azura, Amelinda Fairuz Azwar, Beni Azzuhra, Dirra Bahtiar Usman Bahtiar Usman, Bahtiar Bambang Endro Yuwono Deriwanto, Deriwanto Dewi Nilamsari Dina Hajja Ristianti, Dina Hajja Djohar Tjintamani Emelia Sari Evi Susanti Sinaga Fadila Fadila, Fadila Fafurida Fafurida Fauzan, Ad Gita Handayani Tarigan Gusni Muharam Hajja, Dina Harmaini Harmaini Hartini Rahayu, Dwi Hasbi, Zelfi Haya Uni Aldi Helmi Noviar Henny Setyo Lestari Hermawan, La Ode Husni Kamal Idi Warsah Idi Warsah, Idi Warsah Idrianita Anis Indra Ismayudi Tanjung Irama, Debi Irama Isnaeni Nabilah Iswanto, Rahmad Iveline Anne Marie Jansen Arsyah, Regina Jimmie Joseph, Corina Juliana Josephina Alexsandra Karnadi Kartika Lestari, Kartika Kartika, Sri Khoirun Nisa Khusnia, Alfun Leon, Farah Margaretha Liasulistia Ningsih Mandasari, Jayanti Marinda, Aflia Bela Monica Dwi Hartanti, Monica Dwi Mutianingsih, Veronika Nofriyelniati, Nofriyelniati Oktapiani, Serli Panira, Sismaul Pankham, Sumaman Prihantoro , Prihantoro Prihantoro Prihantoro Putra, Fajrie Agus Dwino Ramli, Adelia Ramli Ratna Dewi Setiyawati Ratna Shofiati Ratnaningsih Ruhiyat RATNAWATI Regina Jansen Arsjah Rina Fitriana, Rina Risnawati Risnawati Rosyidah, Isy Maryam Rudi Masniadi Rudy Pou, Rudy Sari, Syandra Saripuddin, Saripuddin Seprianto, Seprianto Setiawan, Jamil Siska Herliana SRI RAHAYU Sumarto Sumarto Syamsul Rizal Tanjung, Yulia Windi Teddy Siswanto, Teddy Tektona Agni, Muhammad Teruri, Shabrina Tiara, Meza Usman, Bachtiar Veronika Mutianingsih Wahyuni Rusliyana Sari Wahyuninggsih, Yayuk Eko Wawan Kurniawan Wegig Murwonugroho Wiranata, Erik Wirawn, Pandy Akbar Yudha Melianto Zulhipni Reno Saputra Elsi