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All Journal WELFARE Jurnal Ilmu Ekonomi Advances In Social Humanities Research
Haya, Aina Fathia
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Humanities Economics, Econometrics & Finance Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Islamic Rural Bank: Main Drivers of Micro, Small and Medium Enterprises Growth Rakhman, Kausar Icha Aina; Nisa, Siti Karomatun; Haya, Aina Fathia; Asytuti, Rinda
WELFARE Jurnal Ilmu Ekonomi Vol 4, No 2 (2023): November
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/wlfr.v4i2.9200

Abstract

Limited capital, production techniques, marketing, management, and technology generally trap MSMEs. MSMEs is a business sector that contributes positively to the economy and experiences problems in capital; the Government provides financial institutions that handle the sector, one of which is BPRS. This research covers the role of BPRS in increasing the growth of MSMEs. This research method uses a descriptive qualitative approach with primary data obtained from interviews with BPRS. Islamic rural bank (called as BPRS) is vital in supporting the real sector, especially MSME. Despite focusing on Islamic financing, challenges such as the need for guarantees and strict procedures can be obstacles for MSMEs in obtaining capital. Although BPRS assists such as training and coaching, MSME adoption of these initiatives is often limited. In facing this complexity, strong cooperation between BPRS, the Government, and MSMEs is needed to advance this sector.UMKM pada umumnya terjebak oleh keterbatasan modal, teknik produksi, pemasaran, manajemen, dan teknologi. UMKM sebagai sektor usaha yang berkontribusi positif terhadap perekonomian dan mengalami permasalahan dalam permodalan, pemerintah menyediakan lembaga keuangan yang menangani sektor tersebut, salah satunya BPRS. Penelitian ini membahas tentang peran BPRS dalam meningkatkan pertumbuhan UMKM. Metode penelitian ini menggunakan pendekatan kualitatif deskriptif dengan data primer yang diperoleh dari hasil wawancara dengan pihak BPRS. Bank pembiayaan rakyat syariah (BPRS), memiliki peran vital dalam mendukung sektor riil khususnya UMKM. Meskipun memiliki fokus pada pembiayaan syariah, tantangan seperti perlunya jaminan dan prosedur yang ketat dapat menjadi kendala bagi UMKM dalam memperoleh modal. BPRS memberikan bantuan seperti pelatihan dan pembinaan, namun adopsi UMKM terhadap inisiatif ini seringkali terbatas. Dalam menghadapi masalah ini, kerja sama yang kuat antara BPRS, pemerintah, dan UMKM sangat diperlukan untuk memajukan sektor ini. 
Optimalisasi Infrastruktur Industri untuk Meningkatkan Produktivitas dan Daya Saing UMKM di Desa Wangandowo Haya, Aina Fathia; Rohmah, Farida
Advances In Social Humanities Research Vol. 2 No. 1 (2024): Advances in Social Humanities Research
Publisher : Sahabat Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/adv.v2i1.160

Abstract

The community is expected to be able to understand the opportunities that exist in the surrounding area in order to maximize local economic growth. As an example, the author cites the development of industrial infrastructure in Wangandowo Village, Bojong, Pekalongan Regency. This industrial development project can create great opportunities for the general public, which can be utilized to set up businesses to improve their quality of life. This is the focus of the researcher's analysis to explore this phenomenon, especially related to the challenges faced by students or entrepreneurs in the MSME (Micro, Small and Medium Enterprises) sector which is an obstacle in the industrial development sector mentioned above. project. The research method used is a qualitative research method followed by interpretation through observation techniques and theoretical basis. By using the basis of Phenomenology, participants can take risks in exploiting existing business opportunities. In addition, participants must have patience, consistency, be able to adapt, and other important things implemented by existing local olekoman and be successful in pursuing their field as entrepreneurs. One of the limitations of this research is the small number of participants so it is unable to fully capture the broader phenomenon. This can serve as a guide for future researchers to expand their understanding of local economic phenomena and potential.
Co-Authors Nisa, Siti Karomatun Rakhman, Kausar Icha Aina Rohmah, Farida