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All Journal Journal of Sharia Business Management SYAHADAT: Journal of Islamic Studies
Muhammad Habib Rifky
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Religion Humanities 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.
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

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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.
MENGEMBANGKAN STRATEGI BISNIS DI ERA TRANSFORMASI DIGITAL Annisa Afwani; Khaila Calsa Fhadillah; Muhammad Habib Rifky; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Digital transformation has fundamentally changed the way companies operate, interact with customers, and compete in global markets. Companies are not only faced with the need to adopt new technology, but also have to adapt their business models, internal processes and human resource management strategies to remain relevant. This research aims to explore effective business strategies in facing the era of digital transformation. The research method used is qualitative, with a case study approach and in-depth interviews with companies that have implemented digital transformation. Research findings show that technology integration, business model innovation, development of HR capabilities, and the formation of an adaptive organizational culture are key factors for success. This research concludes that a comprehensive and holistic business strategy—combining aspects of technology, people, processes and business models—is the main key to building a competitive company in the digital era.
Co-Authors Annisa Afwani Harahap, Muhammad Ikhsan Haya Aghnia Azzahra Khaila Calsa Fhadillah Nurbaiti Nurhikmah Berasa