Jurnal Ekonomi, Manajemen, dan Bisnis
Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen dan Bisnis

Peran Pembiayaan Syariah dalam Mendorong Kinerja Bisnis dan Sertifikasi Halal bagi Pelaku UMKM Kuliner di Kota Makassar

Nachda Alyaditha (Magister Ekonomi Syariah, Pascasarjana, Universitas Islam Negeri Alauddin Makassar, Indonesia)
Murtiadi Awaluddin (Magister Ekonomi Syariah, Pascasarjana, Universitas Islam Negeri Alauddin Makassar, Indonesia)
Rahman Ambo Masse (Magister Ekonomi Syariah, Pascasarjana, Universitas Islam Negeri Alauddin Makassar, Indonesia)
Fathurrahman Fathurrahman (Magister Ekonomi Syariah, Pascasarjana, Universitas Islam Negeri Alauddin Makassar, Indonesia)
Kamaruddin Arsyad (Magister Ekonomi Syariah, Pascasarjana, Universitas Islam Negeri Alauddin Makassar, Indonesia)



Article Info

Publish Date
19 Jun 2026

Abstract

This research aims to analyze the role of sharia financing in improving business performance and encouraging the acceleration of halal certification for culinary MSMEs in Makassar. The research is motivated by limited access to sharia financing and low ownership of halal certification which affects business competitiveness. This research uses a qualitative method with a case study approach through interviews, observation and documentation of MSME actors and sharia financial institutions. The research results show that sharia financing used by MSMEs in the form of murabahah financing through Bank Syariah Indonesia is able to increase business capital, production capacity, income and business development. Apart from that, sharia financing also supports the acceleration of halal certification through capital assistance, improving business facilities, and increasing halal awareness of business actors. However, its use still faces obstacles such as low sharia financial literacy, limited information, and financing administration processes and halal certification. This research shows that sharia financing not only functions as an economic instrument, but also as a means of empowering MSMEs in increasing the competitiveness of businesses based on halal principles.

Copyrights © 2026






Journal Info

Abbrev

emis

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal Ekonomi, Manajemen dan Bisnis is a double-blind peer-reviewed journal published by Lembaga Penelitian dan Pendidikan (LPP) Kalibra. It provides a platform for scholars, researchers, and practitioners to discuss issues in economics, management, and business. The journal publishes original ...