AT-TIJARAH: Journal Islamic Banking and Finance Research
Vol. 3 No. 2 (2021): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah

PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH: ANALISIS DI BANK SYARIAH INDONESIA KCP MUARA BULIAN

Erwin Saputra Siregar (UIN Sulthan Thaha Saifuddin Jambi)
Suchi Soumi Shinta (UIN Sulthan Thaha Saifuddin Jambi)
Abd Malik (UIN Sulthan Thaha Saifuddin Jambi)



Article Info

Publish Date
23 Dec 2021

Abstract

This research aims to determine the role of Islamic banking financing in improving the ummah's economic level, including MSME financing, and the obstacles faced by MSMEs in the micro-business financing application process. This type of research is qualitative, with data collection techniques through interviews, observations, and documentation. The result of this research is that the financing of Islamic banking micro-businesses against MSMEs is carried out by providing a form of services in the form of microfinance to customers who have been recorded at Bank Syariah Indonesia of Muara Bulian, then continued with the stages of training and extension activities facilitated directly by Islamic banks. The obstacles customers face when applying for microfinance are the number of customers who have not met the technical requirements of Islamic banking, such as limited guarantees and income that fluctuates, resulting in the emergence of problematic financing.

Copyrights © 2021






Journal Info

Abbrev

at-tijarah

Publisher

Subject

Economics, Econometrics & Finance

Description

This journal publishes research results conceptually and technically related to the scope of Islamic Economics with a concentration in the field of Islamic Banking and ...