Jurnal Rekognisi Ekonomi Islam (JREI)
Vol. 3 No. 02 (2024)

Pengembangan Usaha Mikro, Kecil, Dan Menengah (Umkm) Melalui Dukungan Perbankan Islam: Tinjauan Empiris Di Indonesia

Aniq Akhmad Ali Bawafie (Unknown)
Sahria (Unknown)
Saiful Muchlis (Unknown)



Article Info

Publish Date
22 Jan 2025

Abstract

Micro, Small and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy, contributing significantly to GDP, employment and job creation. However, the sustainability and development of MSMEs still face challenges, including limited access to financing, particularly from Islamic banks. This study aims to explore the role of Islamic banks in supporting the development of MSMEs in Indonesia through a documentation analysis approach. Results show that sharia-based financing, such as Mudharabah and Musyarakah, has great potential in improving financial inclusiveness, economic justice, and sustainability of MSMEs. However, the portion of Islamic bank financing for MSMEs is still low, with suboptimal financing quality. Collaborative strategies between Islamic banks, government, and technological innovation are needed to overcome financing access constraints and strengthen the role of MSMEs in achieving sustainable development goals. This study provides an important perspective on strengthening synergies between the Islamic banking sector and MSMEs as a key driver of inclusive economic growth

Copyrights © 2024






Journal Info

Abbrev

jrei

Publisher

Subject

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Description

Jurnal Rekognisi Ekonomi Islam adalah peer-reviewed dan open akses jurnal yang memprioritaskan publikasi naskah dari mahasiswa Program Studi Ekonomi Islam Universitas Islam Nahdlatul Ulama Jepara. Jurnal ini menerbitkan editorial, artikel, penelitian, dan ulasan. Fokus ruang lingkup jurnal ini ...