Jurnal Ekonomi Syariah Teori dan Terapan
Vol 7, No 7 (2020): Juli-2020

PERBANDINGAN PROPORSI PEMBIAYAAN UMKM PADA PERBANKAN UMUM DAN PERBANKAN SYARIAH DI INDONESIA

Hidayah, Nusrotul (Unknown)
Cahyono, Eko Fajar (Unknown)



Article Info

Publish Date
14 Jul 2020

Abstract

This study aims to compare the proportion of MSME financing from total financing in commercial banking and Islamic banking in Indonesia in 2014- 2018. The approach used in this study is a quantitative approach with the Mann Whitney test. This study used secondary data obtained from the Financial Services Authority’s (OJK) website. The study result showed a significance value (probability) that was smaller than 0.05, meaning that the proportion of MSME financing to total financing in Islamic banking in Indonesia was greater than the proportion of MSME credit to total credit. It shows that the presence of Islamic banking has had a positive impact on the growth of the real sector, especially MSME through mudharabah and musharakah schemes or direct investment schemes and profit sharing so that MSME can contribute to employment, domestic income, and resilience in dealing with economic shocks.Keywords: Banking, Credit, Financing, MSME

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Journal Info

Abbrev

JESTT

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature ...