IMPLEMENTASI PEMBIAYAAN BTPN SYARIAH TERHADAP PERKEMBANGAN UMKM DI KRUI LAMPUNG IMPLEMENTATION OF BTPN SYARIAH FINANCING ON THE DEVELOPMENT OF UMKM IN KRUI LAMPUNG
Main Article Content
Abstract
Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in the Indonesian economy, especially in the Krui Lampung area. However, MSMEs often face capital constraints that hinder their development. BTPN Syariah is present as one of the Islamic financial institutions that focuses on financing the micro segment. This study aims to analyze the implementation of BTPN Syariah financing, measure its impact on the development of MSMEs, and identify obstacles and solutions in the implementation of financing in Krui Lampung. This study uses a descriptive qualitative method with data collection techniques through in-depth interviews, observations, and documentation. Research informant 3 officials of BTPN Syariah Krui. The data was analyzed using data reduction techniques, data presentation, and conclusion drawn. The results of the study show that the implementation of BTPN Syariah financing in Krui Lampung uses murabahah and wakalah contracts with a group system. This financing program has contributed positively to the development of MSMEs, marked by an increase in average business capital of 45%, turnover growth of 35%, and business expansion in 60% of financing customers. The main obstacles faced include limited service coverage, low understanding of sharia products, and the risk of default due to fluctuations in MSME income. The study concluded that BTPN Syariah financing plays an effective role in supporting the development of MSMEs in Krui Lampung, although there are still several challenges in its implementation. It is necessary to increase Islamic financial literacy, expand the range of services, and strengthen business assistance to optimize the impact of financing on the progress of MSMEs in the region
Article Details
References
Aprilia, Syifa Kanza, M Cholid Mawardi, and Siti Aminah Anwar. “Peran Pembiayaan Bank BTPN Syariah Dalam Mengembangkan UMKM Di Kota Sumenep.” Jurnal Warta Ekonomi 7, no. 1 (2024): 185–92.
Ardhita, Dynda Sovia, and Jojok Dwiridotjahjono. “Kontribusi Fasilitator Pendamping Dalam Meningkatkan Akses Pasar Bagi Pelaku UMKM Nasabah BTPN Syariah Kecamatan Tandes Suarabaya.” Religion Education Social Laa Roiba Journal 6, no. 5 (2024): 2571–78.
Aslikhatun, Siti. “Peran Simpan Pinjam BTPN Syariah Dalam Pemberdayaan Ekonomi Masyarakat.” Universitas Islam Negeri Sunan Kalijaga Yogyakarta, 2017.
Dokumentasi sejararah BTPN syariah, www. Btpnsyariah.com (tanggal 14 juli 2021) hal 43
Dukumentasi Bank BTPN Syariah Kantor Cabang pesisir barat
Fauzatul, Nura Yulianti, and Laily Nisa. “Analisis Program Pendampingan UMKM Pada PT Bank BTPN Syariah Terhadap Kesejahteraan Nasabah Di Kabupaten Ngawi.” Jurnal Multidisiplin Ilmu Akademik 1, no. 3 (2024): 202–7.
Fuadah, Nikmatul, and Fifi Hakimi. “Financial Performance Dan Market Share Pada Bank Umum Syariah Devisa Indonesia: Perspektif Teori Stakeholder.” Jurnal Penelitian Ipteks 5, no. 2 (2020): 180–86. https://doi.org/10.32528/ipteks.v5i2.3656.
Imsar, Msar, Juliana Nasution, and Alfilda Amilah Ndraha. “Analisis Pengaruh Pembiayaan Paket Masa Depan Terhadap Pertumbuhan Usaha Mikro Kecil Dan Menengah Dan Peningkatan Pendapatan Nasabah Dalam Perspektif Ekonomi Islam.” Jurnal Hukum Ekonomi Islam 3, no. 1 (2023): 20–30.
Isabilillah, Alpiero Joeval, and Lia Nirawati. “Pemaanfaatan Fasilitator BTPN Untuk Meningkatkan Pendapatan Nasabah Dalam Berwirausaha.” Jurnal Pengabdian Pada Masyarakat Indonesia 2, no. 4 (2023): 58–68. https://doi.org/10.55542/jppmi.v2i4.740.
M. Pudjiharjo dan Nur Faizin Muhith, Fikih Muamalah Ekonomi Syariah, (Malang:Tim UB Pres, 2019), hal 124
Muhammad Syafi’I Antoni. Dasar-Dasar Perbankan, h. 162.
Pebrina, Nora, Ahmad Taufiq Harahap, and Firah Al. “Analisis Pembiayaan Paket Masa Depan (PMD) Dalam Pemberdayaan Umkm Pada PT. BTPN Syariah Cabang Medan (Studi Kasus Kantor Mms Percut Sei Tuan).” Jurnal Ekonomi Dan Bisnis 18, no. 3 (2024): 1018–25.
Pertiwi, Kinanti Eka, Jawoto Nusantoro, and Elmira Febri Darmayanti. “Analisis Dampak Pemberian Pembiayaan Modal Kerja Dan Pendampingan Usaha Pada Pertumbuhan Dan Keberlanjutan Usaha Nasabah Bank BTPN Syariah Kabupaten Lampung Tengah.” Jurnal Ilmiah Keuangan Dan Perbankan 7, no. 1 (2022): 81–87.
Pratama, Ovitia Rerolia Fitria, and Nurjanti Takarini. “Pengaruh Pemberdayaan Perempuan Nasabah BTPN Syariah Terhadap Perkembangan UMKM Melalui Pendampingan Usaha.” Jurnal Pengabdian Masyarakat Global 2, no. 3 (2023).
Putri Mildani Sari Sibarani, and Syahrul Amsari. “Pengaruh Pembiayaan Terhadap Peningkatan Pendapatan UMKM Pada PT. BTPN Syariah KC. Tanjung Balai.” El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 5, no. 5 (2024): 4098–4112. https://doi.org/10.47467/elmal.v5i5.2400.
Rahmawati, Widia. “IMPLEMENTASI PROGRAM TEPAT PEMBIAYAAN SYARIAH BTPN SYARIAH DALAM RANGKA PEMBERDAYAAN EKONOMI PEREMPUAN.” Skripsi, Universitas Muhammadiyah Jakarta, 2021.
Saputeri, N. A. & Ramadani, S. (2021). The Impact of Islamic Microfinance on MSME Development in Indonesia.
Saputeri, NP. ET Nurulia, W Warsiyah, NR Wulandari. (2022). MSME marketing strategy in the covid-19 pandemic outbreak (case study in Andalas Steak Bandar Lampung). IJEBAR: International Journal of Economics, Business. Vol. 6, No.1.
Setyobudi, Andang. “peran perbankan dalam perkembangan UMKM.” Buletin Hukum dan kebanksetralan 5, no 2 (agustus 2006): 138-149
Sugiyono. Memahami Penelitian Kualitatif. Bandung: Alfabeta, 2008.
Taufikurohman, Rizki, Evi Ekawati, and Yulistia Devi. “Pengaruh Kinerja Maqashid Syariah Dan Islamic Social Reporting Terhadap Agresivitas Pajak Dengan Ukuran Perusahaan Sebagai Variabel Moderasi (Studi Empiris Pada Perbankan Syariah Di Indonesia Tahun 2016-2020).” Bukhori: Kajian Ekonomi Dan Keuangan Islam 1, no. 2022 (2022): 165–80. https://doi.org/https://doi.org/10.35912/bukhori.v1i2.1792.
Warsiyah, A Luviadi, M Huwaina, M Fakhrurozi. (2023). Pemberdayaan Umkm Melalui Optimasi Media Digital Pada Komunitas Inkusi (Inovasi Kewirausahaan Syariah). AKM: Aksi Kepada Masyarakat. Vol. 4, No.1.
Warsiyah, Fakhrurozi, M., ES Purwani. (2023). Strategi Pemanfaatan Media Sosial Untuk Meningkatkan Keterlibatan Pelanggan Pada Umkm Ecoprint Yasmin Wiwid. KALIANDA HALOK GAGAS. Vol. 7, No.1.
Warsiyah. (2023). Analisis Kebutuhan UMKM di Era Digital terhadap Peningkatan Kinerja UMKM di Bandar Lampung. REMIK: Riset dan E-Jurnal Manajemen Informatika. Vol. 7, No.3.