DEVELOPMENT AND EMPOWERMENT OF MSMEs THROUGH MICRO-FINANCE IN INDONESIAN SHARIA BANK JAMBI CITY
Keywords:
The Role of Islamic Banking, Development, Empowerment, Constraint, SolusionAbstract
This research is motivated by the importance of the role of Islamic banking in the development and progress of the community's economy, such as MSMEs. The objectives of this research are (1) to find out the role of Bank Syariah Indonesia in the development and empowerment of MSMEs in Jambi City after the Covid-19 pandemic. (2) To find out what are the obstacles faced by Bank Syariah Indonesia in developing and empowering MSMEs in Jambi City after the Covid-19 pandemic. 3) To find out how the solutions provided by Bank Syariah Indonesia Jambi city branch in overcoming post-pandemic constraints Covid-19 in the process of developing and empowering MSMEs in Jambi City . This research includes qualitative research with data collection methods through observation, interviews, and documentation. The data taken was in the form of primary data and secondary data. Selection of informants as data sources in research on subjects who master the problem, have data and are willing to provide information. In other words, the informant must fulfill the requirements as a source of informants. The informants in this study were Mr. Bambang Triatmojo as the Micro Relationship Manager of Bank Syariah Indonesia Jambi City and several MSMEs in the Jambi city area who were the research samples. The analytical techniques used in this qualitative research are data collection, data reduction, data presentation and drawing conclusions.
The results of the study show that in the process of interviewing and observing the intended object, it was found that Bank Syariah Indonesia has played an important role for MSMEs, because many say that all roles in Bank Syariah Indonesia are like providing assistance, especially in the form of financing, consulting on business development. , business guidance through seminars or conducting comparative studies with similar businesses that have developed have been proven. The obstacles faced by the bank are the lack of outreach to the public regarding the products and services offered by the bank and the age of the company merger which is only one year so that the program that should be running is not optimal. Constraints that are often complained of by SMEs are capital, marketing and distribution problems. This can be addressed by optimizing its role through bank products and services in the form of financing, training and assistance in developing and empowering MSMEs in Jambi City. Then the community is expected to be able to take advantage of the facilities provided by Bank Syariah Indonesia as an alternative solution to overcome obstacles that arise in the process of developing and empowering their business after the Covid-19 pandemic
Downloads
References
Abdul Halim. 2020. “Pengaruh Pertumbuhan Usaha Mikro, Kecil dan Menengah Terhadap Pertumbuhan Ekonomi Kabupaten Mamuju.” Jurnal Ilmiah Ekonomi Pembangunan, Vol 1, No 2.
Adam Wiryawan, Sucipto, Joni Kusnadi, dan Sukoso. 2020. “Ekosistem Industri Halal.” Departemen Ekonomi dan Keuangan Syariah-Bank Indonesia..
Andrianto dan M. Anang Firmansyah. 2019. Manajemen Bank Syariah (Implementasi Teori dan Praktek),. Surabaya: CV. Penerbit Qiara Media.
Anon. 2018a. Al-Qur’an dan terjemahannya. Jakarta: Almahira.
Anon. 2018b. “Pengaruh Pembiayaan terhadap Pengembangan Usaha Mikro (Studi: Nasabah Bank Syariah Mandiri Cabang Kendari).”
Devi Probosari. 2016. “Praktik Akuntansi dan Implikasinya Pada Kualitas Informasi (Sebuah Studi Pada UMKM).” Jurnal Ilmiah Mahasiswa Fakultas Ekonomi dan Bisnis, Vol. 2 N0 2.
Edy Sutrisno. t.t. “Strategi Pemulihan Ekonomi Pasca Pandemi Melalui Sektor UMKM dan Pariwisata.” Jurnal Kajian Lembaga Ketahanan Nasional Republik Indonesia Vol 9, No 1.
Gartiria Hutami dan Anis Chairi. 2018. “Pengaruh Konflik Peran dan Ambiguitas Peran Terhadap Komitmen Indepedensi Auditor Internal Pemerintah Derah (Studi Empiris Pada Inspektorat Kota Semarang).” Vol. 03 No. 02.
Heri Irawan, Ilfa Dianita, dan Andi Deah Salsabila Mulya. 2021. “Peran Bank Syariah Indonesia Dalam Pembangunan Ekonomi Nasional.” Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam Vol. 3 No. 2.
Irma, Bella, dan Inayah. 2018. “Peran Fintech Syariah Dalam Meningkatkan Keungan Inklusif Pada UMKM Di Indonesia,.” Jurnal Masharif Al-Syariah Vol 3. No 1.
Isma, Wita, Marzuan dan Doni. 2022. “Pemilik Usaha Dikecamatan Danau Sipin.”
Kartika Putri dan dkk. 2014. “Pengaruh Karakteristik Kewirausahaan, Modal Usaha, Business Development Service Terhadap Pengembangan Usaha (Studi Pada Sentral Industri Kerupuk Desa Kedungrejo Sidoarjo Jawa Timur).” Jurnal Ilmu Administrasi Bisnis Universitas Dipenorogo Semarang.
Muheram tohadi. 2017. “Peran Lembaga Keuangan Syariah dalam Pemberdayaan UMKM di Indonesia.” Jurnal Mustaqid Ekonomi dan Perbankan Syariah, Vol 7, No. 1.
Muslimin Kara. 2013. “Kontribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro Kecil Dan Menengah (UMKM) Di Kota Makassar.” UIN Alauddin Makassar: Jurnal Ilmu Syariah Dan Hukum Vol 47 No 1.
Ni Wayan Dian Irmayani. 2021. Manajemen Sumber Daya Manusia,. Yogyakarta: Deepublish.
Nugroho, L., & Tamala, D,. 2018. “Persepsi Pengusaha UMKM Terhadap Peran Bank Syariah.” Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) Vol 3, No 1.
Purnamasari, F. dan Darmawan A. 2017. “A, Islamic Banking and Empowerment of Small Medium Enterprise. Etikonomi.” Vol 16, No 2.
Siregar, Erwin Saputra, dan Fitri Ana Siregar. 2020. “Menakar Potensi Bank Syariah Di Indonesia Pada Masa Covid-19.” Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 8(2):177–88.
Tatok Mardikanto dan Poerwoko Soebianto. 2017. Pemberdayaan Masyrakat Dalam Perspektif Publik. Bandung: Alfabeta.
Tisya Khalda Salsabila. 2020. Laporan Praktik Pengalaman Lapangan Jurusan Perbankan Syariah Peran Perbankan Terhadap Pembiayaan UMKM Pada Masa Pandemi Covid-19 Di Rumah Nusantara Cafe DS.
