Konstribusi Sistem Pembiayaan Bagi Hasil Terhadap Pengembangan Usaha Mikro, Kecil, dan Menengah
DOI:
https://doi.org/10.24090/icms.2016.1836Keywords:
mudharabah finencing, musharaka financing, micro, small and medium enterprises (SMEs), the real sector, working capitalAbstract
In conducting its business, Islamic banking is based on a core product for the results of financing developed in musharaka and mudharabah financing products. This is what differentiates it from the conventional banking system based on interest. Economic sector in Indonesia is largely supported by micro, small and medium enterprises (SMEs) are proven to have the advantage of being able to survive during the economic crisis. So that this sector is very potential to be further developed through an appropriate policy and support from the appropriate institution anyway. Based on the principle of profit sharing financing system, Islamic banking is expected to help the development of SMEs optimally. This is because financing with profit and loss sharing system can touch more productive sectors by providing working capital required by the business unit. This paper tries to discuss about the contribution profit sharing financing extended by the Islamic banking to meet the needs and support the development unit of micro, small and medium enterprises (SMEs) in Indonesia. The data used in this paper comes from the publication of Bank Indonesia, the Islamic Banking Statistics June 2015 as well as other relevant sources. The methodology used in this paper is descriptive and qualitative literature review. The findings of this paper states that the financing provided by the Indonesian Islamic banking during the period from 2009 until June 2015 to the SMEs sector continues to increase each year, although there are limitations faced. Therefore, it can be said that the contribution of the financing system for the results of the development of SMEs in Indonesia is still needed for the micro, small and medium enterprises (SMEs) play an important role in employment, gross domestic product (GDP), the flexibility and toughness in the face of economic crisis, so as to encourage the growth of the real sector.Downloads
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Arifin, Zainul, 2002, Dasar-Dasar Manajemen Bank Syariah, Jakarta : Pustaka Alvabet.
Arifin, Zainul, 1999,Memahami Bank Syariah Lingkup, Peluang, Tantangan dan Prospek, Jakarta: Alvabet.
Bank Indonesia, “Statistik Perbankan Syariah Bulan Juni 2015â€, www.bi.go.iddiunduh tanggal 2 Juli 2016.
Bastian Bustami.et al., eds., 2007, Mari Membangun Usaha Mandiri, cet. II, Yogyakarta: Graha Ilmu.
Isono, Sadoko. et al., eds, 1995, Pengembangan Usaha KecilPemihakan SetengahHati, cet. I, Bandung: Akatiga.
Kara, Muslimin, 2013, “Kontribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro, Kecil dan Menengah “, Ahkam, Vol. XIII, No.2.
Kementerian Perdagangan Republik Indonesia, “Analisis Peran Lembaga Pembiayaan dalam Pengembangan UMKMâ€, www.kemendag.go.iddiunduh tanggal 6 Juli 2016
M. Meier, Gerald, 1989, “Trade Policy Development and The New Polotical Economyâ€, The Political Economy of International Trade : Baldwin Festschriff (Ron Jones and Anne Krueger, Eds),Oxford : Basil Blackwill, Research Paper No. 1064.
Muhammad, 2005, Manajemen Bank Syariah, Edisi Revisi,Yogyakarta: Unit Penerbit dan Percetakan (UPP) AMP YKPN.
Musa, Hubeis, 2009, Prospek Usaha Kecil dalam WadahInkubator Bisnis, Cet.I, Bogor: Galia Indonesia.
Nizarul, Alim, 2009, Pembiayaan Syariah untuk Usaha Mikrodan Kecil : StudiKasus dan Solusi, Cet. I, Surabaya:Bina Ilmu.
P. Todaro, Michaeland Stephen C Smith, 2012, Economic Development, Eleventh Edition, United States of Amerika, Perason Education, Inc.
Singgih, Wibowa, 1995, Petunjuk Mendirikan Usaha Kecil, cet. VII, Jakarta: Penebar Swadaya.
Soeharto, Prawirokusumo, 2000, Kewirausahaan danManajemen Usaha Kecil, cet. I, Yogyakarta: BPFE
Sumaryanto, 2010, Mengenal Kewirausahaan, cet. I, Semarang: Sindur Press.
Sumiyanto, Ahmad, 2005, Problem dan Solusi TransaksiMurabahah, Yogyakarta: Magistra Insania Press.
Warkum, Sumitro, 2004, Azas-Azas Perbankan Islam danLembaga-LembagaTerkait, Jakarta: RajaGrafindoPersada.
Undang-Undang Nomor 19 Tahun 2003 tentang Badan Usaha Milik Negara.
Undang-Undang Nomor 20 Tahun 2008 tentangUsaha Mikro, Kecil, dan Menengah.
Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah.
Undang-Undang Nomor 9 Tahun 1995 tentang UsahaKecil dan Menengah.
Undang-Undang Nomor 10 Tahun 1998 tentangPerubahan atas Undang-Undang Nomor 7 Tahun1992 tentang Perbankan.
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Published
2016-10-24
How to Cite
Yustiningsih, E. (2016). Konstribusi Sistem Pembiayaan Bagi Hasil Terhadap Pengembangan Usaha Mikro, Kecil, dan Menengah. International Conference of Moslem Society, 1, 298–307. https://doi.org/10.24090/icms.2016.1836
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ICMS 2016
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