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All Journal Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan International Journal of Management and Business Economics
Rosdita Indah Yuniawati
Institut Pesantren Babakan Cirebon, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Bank Syariah terhadap Usaha Mikro, Kecil, dan Menengah (UMKM) Aep Syaeful Millah; Rosdita Indah Yuniawati
Co-Value Jurnal Ekonomi Koperasi dan kewirausahaan Vol. 16 No. 8 (2026): Co-Value: Jurnal Ekonomi, Koperasi & Kewirausahaan
Publisher : Program Studi Manajemen Institut Manajemen Koperasi Indonesia Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/wfpqfq23

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memegang peran strategis dalam perekonomian Indonesia dengan kontribusi terhadap PDB sebesar 61,9% dan penyerapan tenaga kerja hingga 97%. Namun, UMKM kerap menghadapi hambatan dalam mengakses permodalan formal, terutama karena persyaratan jaminan kebendaan yang sulit dipenuhi. Penelitian ini bertujuan untuk mengkaji peran bank syariah dalam mendukung pengembangan UMKM di Indonesia, khususnya dari sisi akses pembiayaan dan peningkatan kapasitas usaha. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan studi kepustakaan (library research) melalui analisis isi dan sintesis tematik terhadap literatur relevan tahun 2020–2025. Hasil kajian menunjukkan bahwa bank syariah mampu menjangkau segmen UMKM yang tidak terlayani perbankan konvensional melalui pembiayaan berbasis akad mudharabah dan musyarakah yang menerapkan prinsip bagi hasil. Pembiayaan ini terbukti berkontribusi pada pengurangan kemiskinan, penyerapan tenaga kerja, dan penguatan ekonomi kerakyatan. Penelitian ini mengimplikasikan perlunya sinergi yang lebih erat antara bank syariah, pemerintah, dan pelaku UMKM dalam merancang skema pembiayaan yang inklusif, serta peningkatan literasi keuangan syariah dan penyederhanaan prosedur pengajuan pembiayaan.  
Green Practices and Corporate Sustainability Value In Agroindustry Company X, North Sumatra Astuti; Rosdita Indah Yuniawati; Dede Yusuf Maulana; Helda Jaya Puspita
International Journal of Management and Business Economics Vol. 4 No. 3 (2026): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v4i3.1836

Abstract

This study examined how green practices influence corporate sustainability value in Agroindustry Company X in North Sumatra, Indonesia. The study used a quantitative descriptive case-study design based on annual reports, sustainability-related documents, direct observation, and structured interviews with three managers for the 2020-2024 period. The green practice index was constructed from four dimensions: environmental management, energy efficiency, waste management, and green purchasing. Each dimension was scored from 1 to 25 and then summed into a 0-100 index. Sustainability value was constructed as a 0-1 composite ratio from normalized economic, social, and environmental indicators. Data were analyzed through trend analysis and simple linear regression. The green practice score increased from 52 in 2020 to 81 in 2024, while sustainability value increased from 0.48 to 0.79. Regression results show a positive relationship between green practices and sustainability value, with a coefficient of 0.0109 and R² of 0.990. Because the dataset used five annual observations from one firm, the result is interpreted as exploratory case evidence. The study shows that systematic environmental practices can support long-term value creation through efficiency, transparency, and stakeholder confidence
Co-Authors Aep Syaeful Millah Astuti Dede Yusuf Maulana Helda Jaya Puspita