Ekosiana : Jurnal Ekonomi Syariah
Vol. 13 No. 2 (2026): Ekosiana : Jurnal Ekonomi Syariah (IN PROGRESS)

Analisis Multidimensional Peran Bank Syariah Dalam Meningkatkan Daya Saing Industri Kecil Menengah Sepatu Sandal Di Mojokerto

Lely Maharani (UIN Sunan Ampel Surabaya)
Mugiyati Mugiyati (UIN Sunan Ampel Surabaya)
Ony Thoyib Hadi Wijaya (Unknown)



Article Info

Publish Date
05 Jun 2026

Abstract

This study aims to analyze the contribution of Bank Syariah Indonesia (BSI) to improving competitiveness of the small and medium scale footwear industries in Sooko District, Mojokerto through a multidimensional approach encompassing financial, social, and spiritual aspects. A qualitative descriptive approach was employed, using in-depth interviews, participatory observation, and documentation. Informants included five footwear producers and one representative from BSI Mojokerto. Data analysis used Miles and Huberman's interactive model with source and method triangulation for data validity. The results reveal that BSI's contribution is holistic, not limited to financing through sharia contracts such as murābaḥah and muḍārabah, but also includes capacity building through financial management training, sustainable business mentoring, and sharia financial literacy improving competitiveness. BSI acts as a strategic partner to enhance managerial capacity, expand market access, and promote business sustainability among small-scale entrepreneurs. Findings show an average production capacity increase of 20-30%, and adoption of digital marketing technology among BSI-partnered businesses. Nevertheless, challenges remain, particularly in sharia literacy, digital access limitations, and financing procedure complexity. The study concludes that Islamic banks play a crucial role in strengthening an equitable and sustainable sharia economic ecosystem at the grassroots level through the implementation of maqāṣid al-syarī'ah values, particularly in preserving wealth (ḥifẓ al-māl) and life (ḥifẓ al-nafs).   Kata Kunci: Islamic Bank, Islamic Financing, Small and Medium Industries, Economic Empowerment

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Journal Info

Abbrev

ekosiana

Publisher

Subject

Economics, Econometrics & Finance Social Sciences

Description

EKOSIANA: Jurnal Ekonomi Syariah is a Journal that is published twice a year in the months of March and September. This journal has been indexed on Google Scholar. The aim of this journal is to promote a principled approach to research on Sharia Economy-related concerns by encouraging enquiry into ...