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All Journal Diklat Review : Jurnal manajemen pendidikan dan pelatihan Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat AHKAM : Jurnal Hukum Islam dan Humaniora Indonesian Research Journal on Education Socius: Social Sciences Research Journal Jurnal Pengabdian Masyarakat (JURDIMAS) Profetik Jurnal Ekonomi Syariah Dinamis: Jurnal Pengabdian Kepada Masyarakat As-Syirkah: Islamic Economic & Financial Journal
Rambe, Riswan
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Religion Arts Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Analysis of the Implementation of MSME Financing Development at PT. Bank Sumut KCP Sy Hamparan Perak Najwa, Nuraini; Rambe, Riswan
AHKAM Vol 4 No 3 (2025): AHKAM: Jurnal Hukum Islam dan Humaniora
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v4i3.7418

Abstract

This study analyzes the implementation of MSME financing development at PT Bank Sumut KCPsy Hamparan Perak, with a focus on strategies, challenges, and solutions within the framework of Islamic banking. Employing a qualitative descriptive approach, data were collected through interviews, observations, and documentation, and analyzed using data reduction, presentation, and conclusion techniques. The findings reveal that MSME financing is implemented comprehensively by prioritizing sharia principles, including direct engagement with business actors, financing through mudharabah and musyarakah contracts, and provision of post-financing assistance. However, several obstacles hinder optimal implementation, such as low financial literacy, limited business legality, unstable MSME income, and insufficient field officers. To address these challenges, the bank has introduced financial literacy programs, assisted with business legality, enhanced officer capacity, and developed digital innovations. These measures have contributed to sustaining growth in financing while reinforcing the role of Islamic banks in supporting community-based economic development.
Co-Authors Ardika, Dimas As-Singkily, Herdi Auliadi, Rusdi Azmi, Alfiyyah Hutagalung, M. Abrar Kasmin Hutagalung, Muhammad Abrar Kasmin Miko, Jeroh Munawar, Mhd Sifa Murtani, Alim Najwa, Nuraini Nasution, Rana Padang, Farisah Keke Nola Rada Utami, Widia Rahmat Kurniawan Sari, Anisyah Paradhita Sari, Annisyah Paradhita Verawati, Irma