Analisis Peran Bank Syariah dalam Peningkatan Kemandirian Pengusaha Mikro dan Kecil
DOI:
https://doi.org/10.55656/tjmes.v5i1.238Keywords:
Islamic Banks, Micro and Small Entrepreneurs, Self-reliance, Financial Services, InclusiveAbstract
This research analyzes the role of Islamic banks in enhancing the self-reliance of micro and
small entrepreneurs (MSMEs). Through qualitative approach and in-depth interviews, this
study explores the contribution of Islamic banks in providing financial services that adhere
to Sharia principles to MSMEs. Findings indicate that Islamic banks provide more
inclusive and sustainable financial access to MSMEs, facilitating business development
and enhancing their self-reliance. However, challenges such as low understanding of Sharia
products and limited access still hinder progress.
References
Antonio, M. S. (2001). Bank Syariah: Wacana Ulama dan Cendekiawan. Jakarta:
Tazkia Institute.
Bank Indonesia. (2018). Studi Kasus Pembiayaan Mudharabah pada UMKM di
Indonesia. Jakarta: Bank Indonesia.
Bogdan, R. C., & Biklen, S. K. (2007). Qualitative Research for Education: An
Introduction to Theories and Methods. Boston: Pearson.
Denzin, N. K., & Lincoln, Y. S. (2005). The Sage Handbook of Qualitative Research.
Thousand Oaks, CA: Sage Publications.
Flick, U. (2009). An Introduction to Qualitative Research. Journal of Qualitative
Inquiry, 8(1), 71–88.
Karim, A. A. (2004). Bank Islam: Analisis Fiqih dan Keuangan. Jakarta: PT.
RajaGrafindo Persada.
Kementerian Keuangan Republik Indonesia. (2020). Studi Pembiayaan Syariah
untuk Usaha Mikro dan Kecil. Jakarta: Kemenkeu.
Kementerian Koperasi dan UKM RI. (2021). Program Pembiayaan Usaha Mikro
dan Kecil. Kemenkopukm. https://www.kemenkopukm.go.id
Mardiana, R., & Wahyuni, S. (2017). Analisis Pembiayaan Mikro Bank Syariah
Terhadap Kemandirian Usaha Kecil. Journal of Islamic Finance, 5(2), 23–
Nugroho, L. (2011). Manajemen Bank Syariah. Yogyakarta: Ekonisia.
Otoritas Jasa Keuangan (OJK). (2019). Kinerja dan Prospek Bank Syariah dalam
Mendukung Pembiayaan UMKM. OJK. https://www.ojk.go.id
Pratama, I. W. (2016). Dampak Pembiayaan Mikro Syariah terhadap Kemandirian
Ekonomi Pengusaha Mikro. PhD Dissertation, Universitas Gadjah Mada.
Purwanto, A. (2018). Evaluasi Peran Bank Syariah dalam Pembiayaan UMKM.
Jurnal Ilmiah Akuntansi Dan Bisnis Syariah, 3(1), 42–50.
Sari, D. F. (2015). Analisis Peran Bank Syariah dalam Pemberdayaan Usaha Mikro
dan Kecil di Indonesia. Master’s Thesis, Universitas Indonesia.
Siswanto, A. (2007). Hukum Perbankan Syariah di Indonesia. Yogyakarta: UII Press.
Strauss, A., & Corbin, J. (1998). Basics of Qualitative Research: Techniques and
Procedures for Developing Grounded Theory. Thousand Oaks, CA: Sage
Publications.
