Peran Perbankan Syariah terhadap Eksistensi UMKM Industri Rumah Tangga Batik
DOI:
https://doi.org/10.22515/academica.v1i1.750Abstract
This study aims to determine the degree level of Islamic banking participation to support the financial inclusion for the Micro Small and Medium Enterprises (SME). Through the qualitative descriptive approach, with batik Laweyan as its case study, the result revealed that the role of Islamic banking in the existence of SME batik Laweyan still very low, the socialization of their product also minimum, thereby the SME batik Laweyan not interested in doing loan or financing. Some of the influencing factors are Islamic banking considered having complicated in the procedure, unfamiliar term used for their product, feeling uncertain and afraid to make sharia the bank financing.
Keywords:
Islamic banking, SME, Batik Laweyan
Downloads
References
Algaoud, M. L., & Lewis, M. K. (2001). Peran Perbankan Syariah: Prinsip, Praktik, dan Prospek. Jakarta: PT. Serambi Ilmu Semesta.
Baidi. (2006). Pertumbuhan Pengusaha Batik Laweyan Surakarta: Suatu Studi Sejarah Sosial Ekonomi. Bahasa Dan Seni, 34(2), 241–253.
Bank Indonesia. (2015). Jumlah Rekening Pembiayaan UMKM – Syariah Spasial.
Bank Indonesia, & Lembaga Pengembangan Perbankan Indonesia. (2015). Profil Bisnis Usaha Mikro, Kecil, dan Menengah (UMKM).
Fadhilah. Ana. (2017). Muslimah Entrepreneurship and Economic Empowerment in Pengajian. Shirkah Journal of Economics and Business 2(1), 21-40. DOI: http://dx.doi.org/10.22515/shirkah.v2i1.36
Forum Pengembangan Kampoeng Batik Laweyan (FKBL). (2013). Prosentase Industri Kecil Menengah Batik di Kecamatan Laweyan Tahun 2011-2013.
Hariyati, N. (2010). Peran Perbankan Syariah dalam Mengoptimalkan UMKM Kota Yogyakarta.
Hindun, Roro and Reza, Izzu Fatchu. (2016). Understanding Indonesian People Borrowing Money from Banks and Non-Banking Institutions. Shirkah Journal of Economics and Business 1(3), 285-298. DOI: http://dx.doi.org/10.22515/shirkah.v1i3.51
Irmawati, S. (2013). Model Inklusi Keuangan Pada UMKM Berbasis Pedesaan. JEJAK Journal of Economics and Policy, 6(2), 103–213. https://doi.org/10.15294/jejak.v7i1.3596
Kara, M. (2013). Kontribusi Pembiayaan Perbankan Syariah terhadap Pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Makassar. Asy-Syir’ah, 47(1), 269–302.
Kussudyarsana. (2010). Adopsi Inovasi Usaha Kecil dan Menengah (UKM) di Surakarta terhadap Sistem Perbankan Syariah. Jurnal Ekonomi Pembangunan, 11(1), 93–106.
Muhammad. (2002). Manajemen Bank Syariah. Yogyakarta: UPP AMP YKPN.
Nidaussalam, M. (2017). Mudaraba as a Model of Islamic Finance. Shirkah Journal of Economics and Business 1(1), 73-92. DOI: http://dx.doi.org/10.22515/shirkah.v1i1.11
Ramadhan, D., & Ritonga, H. D. H. (2012). Pernanan Perbankan Syariah terhadap Pengembangan Baitul Mal Wat Tamwil (BMT) di Kota Medan. Jurnal Ekonomi Dan Keuangan, 1(1), 1–13.
Rifqi, Lathif Hanaafir. (2017). Community Empowerment through Islamic Microfinance Perceptions in Comparison. Shirkah Journal of Economics and Business 2(1), 67-86. DOI: http://dx.doi.org/10.22515/shirkah.v2i1.35
Setyanto, A. R., Samodra, B. R., & Pratama, Y. P. (2015). Kajian Strategi Pemberdayaan UMKM dalam Menghadapi Perdagangan Bebas Kawasan ASEAN (Studi Kasus Kampung Batik Laweyan). Etikonomi, 14(2), 205–220.
Susilo, Y. S., Triandaru, S., & Santoso, A. T. B. (2000). Bank dan Lembaga Keuangan Lain. Jakarta: Salemba Empat.
Trimulato. (2016). Sharia Bank Product Development through Mudharabah Investment. Shirkah Journal of Economics and Business 1(3), 327-338. DOI: http://dx.doi.org/10.22515/shirkah.v1i3.24
Umiyati. (2017). Local Economics Empowerment and Sharia Microfinance in Rural Community Perception. Shirkah Journal of Economics and Business, 2(1), 41-66. DOI: http://dx.doi.org/10.22515/shirkah.v2i1.25
Zamroni. (2013). Peran Bank Syariah Dalam Penyaluran Dana Bagi Usaha Mikro, Kecil, Dan Menengah (UMKM). Iqtishadia, 6(2), 225–240.
Downloads
Published
Issue
Section
Citation Check
License
Authors who publish with this journal agree to the following terms:
- 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.
