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The Role of Islamic Microfinance Institutions in Promoting UMKM (Micro, Small, and Medium Enterprises) Growth in Indonesia: A SWOT Analysis Susiati; Wargo; Kuswanto
Zabags International Journal of Islamic Studies Vol. 2 No. 1 (2025): Islamic Studies
Publisher : Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijis.v2i1.33

Abstract

This study investigates the role of Islamic microfinance institutions in fostering the growth of UMKM (Micro, Small, and Medium Enterprises) in Indonesia by applying a SWOT (Strengths, Weaknesses, Opportunities, Threats) framework. Motivated by the gap between the considerable potential of Islamic microfinance as an inclusive financial instrument and persistent implementation challenges such as limited financial literacy, restricted outreach, and regulatory fragmentation the research aims to map internal and external strategic factors that affect institutional effectiveness. Employing a qualitative descriptive-analytic approach, data were collected through in-depth interviews, field observation, institutional documentation, and review of relevant policy and literature. Findings reveal that core strengths include profit-and-loss sharing mechanisms and social commitment, while key weaknesses comprise low Islamic financial literacy among UMKM actors and constrained service coverage. Identified opportunities center on digitalization and supportive pro-Islamic finance regulations; principal threats include strong competition from conventional finance providers and uneven regulatory implementation. The study concludes that realizing the strategic potential of Islamic microfinance requires integrated actions digital innovation, literacy enhancement, and institutional coordination to advance inclusive and sustainable economic empowerment for UMKM in Indonesia.
Co-Authors Abdul Halim Agus Basuki, Imam Akbar, Riyaldi Alimin, La Ode Ami, Iin Sulastri Ode Azwan Bugis, Riki Harziko Harziko, Harziko Henny, Anggrainy irwana, amelia Kuswanto Lusiana Wulansari Meta Sari Pina, Wa Ode Putri Arista, Rohmah Risman Iye Salamun, Asmita Siti Nur, Padilah Siti Suedah Sri, Winarsih Taufi Taufik Tenriawali, A. Yusdianti Titik Harsiati Umasugi, Selfa Yanti Wargo