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Journal : JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi

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The Synergy Of Islamic Banking And Village-Owned Enterprises (BUMDes) To Strengthen Unbankable Business Capital Nurnasrina, Nurnasrina; Putra, Popi Adiyes; Khairunisa, Madona; Lubis, Haniah; Jenita, Jenita
JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Vol. 1 No. 4 (2023): JAAMTER - DESEMBER
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10408927

Abstract

This study aims to determine the synergy that can be implemented between Islamic Bank and Village Owned Enterprises (BUMDes) to strengthen unbankable business capital and to assess the application of sharia contracts toward some products provided by BUMDes. The research methodology used qualitative analysis, primary data obtained from informants, namely one branch manager of Islamic Bank of Indonesian (BSI), Pekanbaru branch and 14 BUMDes leaders in Tambang District, Kampar. The results show that first: two forms of synergy can be implemented between BSI and BUMDes to strengthen unbankable business capital, namely BSI finances through BUMDes then distributed to the unbankable micro-entrepreneurs and BSI distributes directly to the unbankable micro-entrepreneurs based on BUMDes recommendation then BSI provides a fee after BUMDes gives the guarantee, second: the application of sharia contracts toward some products supplied by BUMDes currently could use wadi`ah, mudharobah, musyarokah, murobahah, salam, istisna, ijaroh and wakalah.
Co-Authors Aftanorhan, Asyraf Ahmad Muktamar B Aji, Lexi Jalu Alchudri Alchudri Alfa Santoso Budiwidjojo Putra Amanda, Elisa Ambar Kusuma Astuti ANDRINI, ROZI Anita Ninasari Anuar, Saiful Arifuddin Arifuddin Asep Saepudin Badriatin, Tine Basir, Badirun Darnilawati Darnilawati Dedi Iskamto ERMAN ERMAN Fatmawati Sabur Febrian, Wenny Desty Hanafiah Hanafiah, Hanafiah Harefa, Anugerah Tatema Hasanah , Nur HERISPON HERISPON, HERISPON I Gusti Agung Komang Diafari Djuni Hartawan Khairul Amri Khairunisa, Madona Kurniati Karim Laksono Trisnantoro Lubis, Haniah Lucky Radi Rinandiyana Munir, Alchudri Musran Munizu Nabila, Syadza Muthi Nugroho, Budi Sulistiyo Nur Hasanah Nurnasrina Nurnasrina Nurul Hikmah Pebriani, Ela Putra, Popi Adiyes Putrie, Rena Augia Ramon Arthur Ferry Tumiwa Restu, Nugraheni Rukiyanto Rukiyanto, Rukiyanto Rustam Rustam zurman, zurman