Empowerment of Ultra Micro MSME’s Through Financing of Sharia Non-Bank Financial Institutions
DOI:
https://doi.org/10.33096/jmb.v11i2.874Keywords:
LKBB Sharia; Ultra Micro; MSMEsAbstract
Economic growth, especially MSMEs, cannot be separated from the role of the microfinance institution sector. Financial institutions are intermediation institutions whose function is to connect parties who have excess funds with parties who lack funds. Based on Law No.10 of 1998 concerning amendments to Law No.7/1992 concerning banking, bank financial institutions consist of commercial banks and people's credit banks. The Ministry of Finance of the Republic of Indonesia, issued Ultra Micro Financing Products (UMI) which are The advanced stage program from the social assistance program to business independence targets micro businesses at the lowest levels, which cannot yet be facilitated by banking through People's Business Credits. UMI is a maximum financing facility of IDR 20 million per customer group and is distributed by non-bank financial institutions (LKBB). This research was carried out in North Sumatra (SUMUT) with the aim of identifying differences between Ultra Micro (UMi) business actors before and after receiving financing assistance from sharia non-bank financial institutions. This research was carried out between June and August 2023. This research uses quantitative analysis methods. The Normality Test is carried out with the aim of finding out whether the data used in a regression model is normally distributed or not. If the distributed data is proven to be normal, this means that the sample used can represent the population used by the measurement. If the significant value is 0.05, it can be declared to have a normal distribution. From the results of research on the Empowerment of Ultra Micro MSMEs through Sharia Non-Bank Financial Institution Financing in North Sumatra before and after receiving Ultra Micro Financing (UMi): There is a development between daily income before and after financing. Sales revenue after getting financing is better than sales revenue before getting financing
Downloads
References
Abdul Muhid. 2012. Analisis Statistik. Surabaya : Zifatama, hal, 37.
Akber, S. M., Researcher, M. P., Barua, D., & Researcher, M. P. (2021). a Comparative Analysis of Financial Performance of Non-Bank Financial Institutions in Bangladesh. American Finance & Banking Review, 6(1), 1–13.https://doi.org/10.46281/amfbr.v6i1.1455
Andri Soemitra, 2009. Bank & Lembaga Keuangan Syariah (Jakarta: Prenadamedia Group.
Andri Soemitra, Zuhrinal Nawawi, & M syahbudi, 2022. Pembiayaan Syariah : Untuk Usaha Mikro Di Indonesia (Medan: Merdeka Kreasi group)
Arief Budiono, 2017. Penerapan Prinsip Syariah Pada Lembaga Keuangan Syariah, Jurnal Law and Justice, Vol.2 No.1.
Fatwa DSN-MUI No. 119/DSN-MUI/II/2018 tentang Pembiayaan Ultra Mikro Berdasarkan Prinsip Syariah.
Hia, V.D.P, Handaka R.D, & Zega Y.T. (2021). Pengaruh pembiayaan ultra mikro (umi) terhadap pertumbuhan ekonomi daerah melalui pertumbuhan produksi industri mikro dan kecil. Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik, 6(1), 75-84.
Ichsan, Reza Nurul, Muhammad Syahbudi, and Venny Fraya Hartin Nst. 2023. Development of Islamic Human Resource Management in The Digital Era For MSMEs and Cooperatives in Indonesia: English. IQTISHODUNA: Jurnal Ekonomi Islam 12, no. 2): 497-514.https://doi.org/10.54471/iqtishoduna.v12i2.2336
Jeremy Nathaniel, Atik Aprianingsih, 2023. Banking Industry in Indonesia: Bank Rakyat Indonesia (BRI) and the Competition Landscape. International Journal of Current Science Research and Review, 6(6), 3497-3502
Latifah, N. A., & Nugroho, S. A. (2020). Optimalisasi struktur dan regulasi lembaga keuangan syariah di indonesia. Jurnal Ekonomi Syariah, 07(01), 176–211.https://doi.org/https://doi.org/10.21274/an.2020.7.1.176%20-%20211
Leon, R. D., Treapăt, L. M., Gheorghiu, A., & Stan, S. O. (2020). A microcredit evaluation model for non-bank financial institutions. Kybernetes, 49(9), 2185–2199. https://doi.org/10.1108/K-05-2018-0250
Madani, (2015). Aspek Hukum Lembaga Keuangan Syariah Di Indonesia, Jakarta: Kencana,.
Muttaqin, A. A., & Hartono, A. R. (2019). Implementasi Penerapan Pembiayaan Ultra Mikro Di BmtUgt Sidogiri.El-Barka: Journal Of Islamic Economics And Business, 2(2), 273-299)
M. Syahbudi, ElidaE.B & Dana .S.B (2023). Buku ajar: metodologi penelitian ekonomi islam. Medan : Merdeka kreasi group.
Nelly Ross, Soemitra Andri, (2022). Studi Literature General Issu Lembaga Keuangan Non Bank Syariah di Indonesia. El-Mal:Jurnal Kajian Ekonomi & Bisnis Islam, Vol 3 No 4, (700-710). DOI: 1047467/elmal.v3i4.1056
OJK Buku 2 Perbankan, Seri Literasi keuangan Hal 35
Park, Hun Myoung. 2008. Univariate Analysis and Normality Test Using SAS, Stata, and SPSS. Working Paper. The University Information Technology Service (UITS) Center for Statistical and Mathematical Computing, Indiana University.
PERATURAN MENTERI KEUANGAN REPUBLIK INDONESIA NOMOR 193 /PMK.05/2020 TENTANG PEMBIAYAAN ULTRA MIKRO
Power Comparisons of Shapiro-wilk, Klomogorov Smirnov , Liliefors And Anderson Darling-Test. Faculty of Computer and Mathematical Science, University Teknologi MARA, 40450 Shah Alam, Selangor, Malaysia.
Rivai, Veithzal. dan Andria Permata Veithzal, (2008), Islamic Financial Management Jakarta: Raja Grafindo Persada.
Sari widya, 2021, Pendampingan Pengembangan Pemasaran Dan Kewirausahaan UMKM Ultra Mikro Melalui pemanfaatan Digital Marketing, Jurnal Of Empowerment VOL. 2, No. 2.
Soemitra Andri, Kusmilawaty, Tri inda Fadhila Rahma, 2022, The Role of Micro Waqf Bank in Women’s Micro-Business Empowerment through Islamic Social Finance: Mixed-Method Evidence from Mawaridussalam Indonesia, Economies 10, no. 7: 157. https://doi.org/10.3390/economies10070157
Sugiyono 2019, Metode penelitian kuantitatif, kualitatif dan R&D : Bandung, Alfabeta.
Syahbudi M, E, E, Barus, D, S, Barus, 2023, Buku Ajar : Metodologi Penelitian Ekonomi Islam : Merdeka Kreasi Group.
Syahbudi M, Moertiono, J, R, 2021, ZAKATECH : THE READINESS OF ISLAMIC ECONOMIC DEVELOPMENT IN NEW NORMAL ERA, Proceeding International Seminar on Islamic Studies. Vol 2 No 1.
Syahbudi M, 2021. Ekonomi Kreatif Indonesia Strategi Daya Saing UMKM Industri Kreatif Menuju Go Global ( Sebuah riset dengan model pentahelix), edisi 1, cetakan 1. Medan: Merdeka Kreasi Group.
Triandaru, Susilo Sri Y. Sigit A. & Totok Budi Santoso. 2005, Bank dan Lembaga keuangan Lain, Jakarta: Salemba Empat.
Widyanto Agus Mika. 2013. Statistika Terapan Konsep dan Aplikasi dalam Penelitian Bidang pendidikan, psikologi dan Ilmu Sosial lainnya PT. Elex Media Komputindo, Jakarta.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Jurnal Manajemen Bisnis
This work is licensed under a Creative Commons Attribution 4.0 International License.
