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All Journal Natural: Jurnal Pelaksanaan Pengabdian Bergerak Bersama Masyarakat International Journal of Islamic Business Management
Cindy Anita Sari
Universitas Islam Negeri Sumatera Utara
Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Engineering Health Professions Law, Crime, Criminology & Criminal Justice

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STRATEGI MARKETING PEMBIAYAAN BANK SYARIAH DALAM MENDUKUNG PENGEMBANGAN UMKM DI INDONESIA Cindy Anita Sari; Intan Azzahra; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

This study examines the role of Islamic banking marketing strategies in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Islamic banks have a strategic position in providing Sharia-compliant financing as an alternative source of capital for MSMEs. This research aims to analyze how financing marketing strategies implemented by Islamic banks contribute to MSME growth. A qualitative research approach is employed using SWOT analysis to identify internal strengths and weaknesses, as well as external opportunities and threats affecting the effectiveness of Sharia financing marketing. The findings indicate that compliance with Sharia principles, flexible financing contracts, strong community-based networks, and personalized services represent the main strengths of Islamic banks. However, limited understanding of Sharia contracts among MSME actors, inadequate digitalization, uneven human resource competencies, and restricted branch coverage remain internal challenges. Externally, MSME expansion, increasing demand for halal financial products, and supportive government policies provide significant opportunities, while competition from conventional banks, fintech platforms, online lending services, and low financial literacy pose serious threats. The study concludes that Islamic banks need to strengthen value-based marketing strategies rooted in Sharia principles while accelerating digital transformation. Enhancing Sharia financial literacy, developing innovative financing products, and reinforcing community-oriented marketing are recommended to improve MSME financing outreach.
Pendampingan Digitalisasi UMKM melalui Pemanfaatan QRIS dan Google Maps di Kelurahan Tanjung Pinggir Cindy Anita Sari; Dinda Nurayuni Humaira; Muhammad Risky Harahap; Muhammad Royhan Safdan Muzaki; Suheri Harahap
Natural: Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat. Vol. 4 No. 3 (2026): August : Natural: Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat
Publisher : Asosiasi Riset Ilmu Kesehatan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/natural.v4i3.2557

Abstract

Digitalization has become one of the needs for business owners in adapting their business activities to technological developments. However, some MSME owners have not yet fully utilized digital services, both for transactions and for introducing their business locations to consumers. This community service activity aims to provide assistance to MSME owners in Tanjung Pinggir Urban Village through the use of QRIS and Google Maps as part of their business digitalization efforts. The activity was carried out through several stages, namely observation, data collection, coordination, assistance, and implementation of digital services for the participating businesses. Assistance was provided to three types of local businesses, namely a wholesale business, a grilled meatball (bakso bakar) business, and a beauty salon. QRIS was introduced as a non-cash payment method, while Google Maps was utilized to support the visibility and location information of businesses so that they could be more easily found by the public. The results indicate that the assistance provided business owners with new experiences and understanding regarding the use of digital technology to support their daily business activities. This activity also serves as an initial step in encouraging MSME owners in Tanjung Pinggir Urban Village to begin utilizing digital services as part of their business development.
Co-Authors Dinda Nurayuni Humaira Harahap, Suheri Intan Azzahra Muhammad Ikhsan Harahap Muhammad Risky Harahap Muhammad Royhan Safdan Muzaki