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All Journal Neptunus: Jurnal Ilmu Komputer dan Teknologi Informasi Journal of Sharia Business Management SYAHADAT: Journal of Islamic Studies
Haya Aghnia Azzahra
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Social Sciences Other

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STUDI LITERATUR PEMBIAYAAN UMKM PADA PERBANKAN SYARIAH Nurhikmah Berasa; Haya Aghnia Azzahra; Muhammad Habib Rifky
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 3 (2025): September
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/g4jhmd67

Abstract

Penelitian ini bertujuan untuk menganalisis peran dan efektivitas perbankan syariah dalam pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Penelitian ini menggunakan pendekatan kualitatif deskriptif melalui studi literatur terhadap berbagai sumber seperti buku, jurnal ilmiah, dan laporan resmi lembaga keuangan periode 2014–2024 yang berkaitan dengan pembiayaan syariah dan pengembangan UMKM. Hasil kajian menunjukkan bahwa perbankan syariah memiliki peran penting dalam memperkuat sektor UMKM melalui skema bagi hasil seperti mudharabah, musyarakah, dan murabahah yang menekankan prinsip keadilan dan kemitraan. Namun, dalam praktiknya masih terdapat kendala seperti rendahnya literasi keuangan syariah, keterbatasan agunan, serta kurangnya inovasi produk mikro syariah. Penelitian ini menekankan pentingnya kolaborasi antara perbankan syariah, pemerintah, dan lembaga keuangan digital untuk meningkatkan inklusi dan inovasi pembiayaan berbasis syariah. Secara teoritis, penelitian ini berkontribusi terhadap pengembangan model pembiayaan syariah bagi UMKM, sedangkan secara praktis menjadi masukan bagi pengambil kebijakan untuk memperkuat ekosistem perbankan syariah dalam mewujudkan pertumbuhan ekonomi yang inklusif dan berkelanjutan.
Penerapan Perangkat Lunak Inovatif Guna Meningkatkan Efisiensi Sistem Manajemen Informasi pada Bank Syariah Indonesia Zahir Muhammad Fadhilah Harahap; Haya Aghnia Azzahra; Nabila Nasywa; Nurbaiti Nurbaiti
Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi Vol. 3 No. 4 (2025): November: Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/neptunus.v3i4.1309

Abstract

This study discusses the implementation of innovative software to improve the efficiency of information management systems at Bank Syariah Indonesia (BSI). The backround of this research begin with growing need for effective and efficient information systems in the digital era, particularly in Islamic banking which requires compliance with sharia principles. The purpose of this study is to identify how software innovation can support better service, data security, and operational effectiveness at BSI. By employing a qualitative descriptive methodology along with a literature review, this research analyzes various technological innovations such as artificial intelligence (AI), big data, and Customer Relationship Management (CRM) applications in Islamic banking systems. The findings show that the adoption of modern information technology significantly enhances operational efficiency, service quality, and competitiveness. The conclusion highlights that software innovation integrated with sharia principles strengthens the management information system and supports BSI’s vision to become a global center of Islamic finance. Future development of software should focus on improving data security and adapting to advanced technologies to further enhance customer service quality.
STUDI LITERATUR PEMBIAYAAN UMKM PADA PERBANKAN SYARIAH Nurhikmah Berasa; Haya Aghnia Azzahra; Muhammad Habib Rifky; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the role and effectiveness of Islamic banking in financing micro, small, and medium enterprises (MSMEs) in Indonesia. Using a qualitative descriptive approach through literature review, this research synthesizes data from books, scientific journals, and official publications from 2014 to 2024 related to Islamic banking and MSME development. The study reveals that Islamic banks play a crucial role in supporting MSMEs through profit-and-loss sharing schemes such as mudharabah, musyarakah, and murabahah, which emphasize fairness and partnership principles. Despite these advantages, several obstacles remain, including low Islamic financial literacy, limited collateral, and insufficient product innovation for micro-segments. The findings suggest that collaboration among Islamic banks, government, and financial technology institutions is necessary to enhance inclusion and innovation in Islamic financing. This research contributes theoretically to the development of Islamic financial models for MSMEs and provides practical implications for policymakers to strengthen the Islamic banking ecosystem in promoting inclusive and sustainable economic growth in Indonesia.
Co-Authors Harahap, Muhammad Ikhsan Muhammad Habib Rifky Nabila Nasywa Nurbaiti Nurbaiti Nurhikmah Berasa Zahir Muhammad Fadhilah Harahap