<![CDATA[Penelitian ini mengkaji bagaimana kontribusi mikrofinansial Bank Syariah Indonesia (BSI) KCP Kertabumi terhadap perekonomian lokal, khususnya bagi pelaku usaha mikro dan kecil di lingkungan sekitar. Karena mikrofinansial dapat meningkatkan akses terhadap uang, menciptakan lebih banyak peluang kerja, dan meningkatkan keberlanjutan usaha, maka mikrofinansial dianggap sebagai alat penting untuk mendorong kemajuan ekonomi di masyarakat. Observasi, dokumentasi, dan wawancara terhadap nasabah mikrofinansial dan bank merupakan bagian dari metodologi penelitian kualitatif. Namun demikian, masih terdapat beberapa kendala seperti keterbatasan literasi keuangan dan kemampuan manajerial nasabah yang perlu mendapat perhatian lebih lanjut. Kata kunci: Akses Permodalan, Usaha Mikro, Pemberdayaan Lokal. Abstract This study examines how microfinance of Bank Syariah Indonesia (BSI) KCP Kertabumi contributes to the local economy, especially for micro and small business actors in the surrounding environment. Because microfinance can increase access to money, create more job opportunities, and improve business sustainability, microfinance is considered an important tool to encourage economic progress in the community. Observation, documentation, and interviews with microfinance and bank customers are part of the qualitative research methodology. However, there are still several obstacles such as limited financial literacy and managerial skills of customers that need further attention. Keywords: Access to Capital, Micro Business, Local Empowerment.]]>
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