Strategi pembiayaan BPRS dalam meningkatkan pertumbuhan UMKM
Abstract
Sharia People's Financing Bank (BPRS) has a crucial role in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, which often face difficulties in accessing formal financing. BPRS offers a variety of sharia financing products, such as murabahah and musyarakah, which allow MSMEs to get capital without being entangled in interest-bearing debt. With a flexible approach, pick-up services, and business assistance, BPRS not only provides funds, but also helps increase the managerial capacity of MSMEs. Despite facing challenges such as the lack of public understanding of sharia products, BPRS's commitment to empowering MSMEs contributes to job creation and national economic growth. This article discusses BPRS's financing strategy in increasing the growth of MSMEs.
Downloads
References
Amri, A. D., Tiara, L., & Hastuti, B. I. (2023). Analisis Pembiayaan Bank Syariah Terhadap UMKM dan Pertumbuhan Ekonomi di Indonesia Rentang Waktu 10 Tahun Terakhir. Rizquna: Jurnal Hukum Dan …, 1, 71–90. http://journal.citradharma.org/index.php/rizquna/article/view/869
Bpr, P., & Dalam, S. (2018). Peranan bpr syariah dalam meningkatkan umkm melalui pembiayaan murabahah. Badan Pusat Statistik Indonesia, 1(February), 629–638. https://www.bps.go.id
Hamdi, M. N., Handayani, L. S., & Nurjanah, E. (2017). Analisis Dampak Fasilitas Pembiayaan Dengan Produk “Qardhul Hasan Umkm” Terhadap Peningkatan Pendapatan Usaha Umkm Binaan El-Zawa Uin Maliki Malang. Iqtishoduna, 13(1), 36–42. https://doi.org/10.18860/iq.v13i1.4475
Hardana, A., Nasution, J., & Damisa, A. (2022). Pelatihan Manajemen Usaha Dalam Meningkatkan Usaha UMKM Kuliner. Medani : Jurnal Pengabdian Masyarakat, 1(1), 16–22. https://doi.org/10.59086/jpm.v1i1.87
Ilyas, R. (2021). Peran Dewan Pengawas Syariah Dalam Perbankan Syariah. JPS (Jurnal Perbankan Syariah), 2(1), 42–53. https://doi.org/10.46367/jps.v2i1.295
Ivanka Mira Nur Aini, & M. Ruslianor Maika. (2022). Strategi Pemasaran dalam Meningkatkan Jumlah Nasabah Bank Pembiayaan Rakyat Syariah (BPRS) Lantabur Tebuireng Sidoarjo. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5(2), 128–142. https://doi.org/10.25299/syarikat.2022.vol5(2).10348
Maulina, R., Soufyan, D. A., Rahmazaniati, L., Vonna, S. M., & Rahmadani, I. (2020). Analisis Peran Bank Perkreditan Rakyat Syariah (Bprs) Terhadap Peningkatan Kinerja Umkm (Studi Pada Pt. Bprs Baiturrahman). Akbis: Media Riset Akuntansi Dan Bisnis, 4(2), 107. https://doi.org/10.35308/akbis.v4i2.3174
Meylianingrum, K. (2020). Pemanfaatan Media Sosial Sebagai Bentuk Pengembangan Pangan dan Ekonomi Kreatif (Studi kasus UMKM desa Suwaru Kabupaten Malang). Jurnal Ilmu Sosial Dan Humaniora, 2 No 1, 1–7.
Nahdya Alfaina Karem, Zakiyah Zulfa Rahmah, & Andriani. (2024). Analisis Pengaruh Bank Pembiayaan RakyatSyariah (Bprs) Terhadap Pertumbuhan DanPengembangan Umkm Di Indonesia. Jurnal Ilmiah Ekonomi Bisnis Dan Akuntansi, 1(2), 92–102. https://ejurnal.kampusakademik.my.id/index.php/jemba/index
Nur’aisyah, I., Dora, L. S., Kholishoh, & Aziz, A. (2020). Peran Bank Pembiayaan Rakyat Syariah (Bprs) Dalam Pengembangan Umkm Di Indonesia. INKLUSIF : Jurnal Pengkajian Penelitian Ekonomi Dan Hukum Islam, 5(2), 114–126. www.syekhnurjati.ac.id/jurnal/index.php/inklusif
Purnama, C., Zulfa Rahmah, Z., Fatmah, D., Rahmah, M., Hasani, S., Rahmah, Y., Andriani, & Alfaina Karem, N. (2024). Evaluasi Dampak Bank Pembiayaan Rakyat Syariah (BPRS) Terhadap Pertumbuhan Dan Pengembangan UMKM Di Indonesia. Manajemen: Jurnal Ekonomi, 6(2), 308–318. https://doi.org/10.36985/fabzp258
Ramadhanty, N. S., & Oktafia, R. (2021). Strategi Pengembangan Produk Pembiayaan Dalam Upaya Peningkatan Kapasitas UMKM Pada BPRS UMMU di Bangil Pasuruan. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 6(2), 199–214. https://doi.org/10.36908/isbank.v6i2.173
Rochmadi, I., & Rohmah, S. (2019). Jurnal REP (Riset Ekonomi Pembangunan). Riset Ekonomi Pembangunan, 4(2), 161–173. http://jurnal.untidar.ac.id/index.php/REP
Santoso, E. (2017). Jurnal Ilmiah Ekonomi Islam , 3 ( 03 ), 2017 , 157-166 Strategi Pemasaran Produk Bank Pembiayaan Rakyat Syariah ( BPRS ). 3(03), 157–166.
Sarif, R., Susanto, R. M., Retnasih, N. R., & Segaf, S. (2023). Revolutionizing Resilience: MSMEs’ Journey with Digital Strategies in Post-Pandemic Recovery. JMK (Jurnal Manajemen Dan Kewirausahaan), 8(3), 203. https://doi.org/10.32503/jmk.v8i3.4145
Sukmana, A. H. (2022). Pengaruh Strategi Pemasaran Pasca Pandemi Covid-19 Terhadap Minat Nasabah Menabung Di Bank BSI Mataram. Jurnal Perbankan Syariah, 1(2), 26–35. https://journal.uinmataram.ac.id/index.php/jps/index
Copyright (c) 2024 Retno Wahyuning Khusnul Khotimah
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
