ANALISIS PEMBIAYAAN BTPN SYARIAH TERHADAP PENINGKATAN EKONOMI MASYARAKAT DI TANGGAMUS
Main Article Content
Abstract
This study aims to analyze the impact of BTPN Syariah financing on improving the local economy in Tanggamus Regency. The main issue examined is how Islamic financing contributes to local economic growth and community welfare. This research employs a qualitative method with data collection techniques including field observations, in-depth interviews, and documentation as supporting methods to complement the necessary data. The findings reveal that BTPN Syariah financing has a positive impact on the community's economy in Tanggamus. Several factors influence the effectiveness of the financing, including: a personal and non-bureaucratic approach that fosters comfort and trust among the community; a simple process with minimal requirements and fast processing time, which aligns well with the characteristics of rural communities; a comprehensive mentoring program that ensures the sustainability of customers' businesses; and the use of various types of Sharia contracts that provide flexibility according to customers' needs
Article Details
References
Alpajar, H., Saputeri, N. P., & Nurulia, E. T. (2025). Implementasi pembiayaan BTPN Syariah terhadap perkembangan UMKM di Krui Lampung: Implementation of BTPN Syariah financing on the development of UMKM in Krui Lampung. Journal Islamic Economics Ad Diwan, 4(2), 59–68.
Karim, A. A. (2019). Ekonomi Mikro Islam. Jakarta: Rajagrafindo Persada.
Khotimah, H., & Saputeri, N. P. (2024). The effect of Islamic financial literacy and religiosity on the interest of saving Generation Z in Islamic banks. Jurnal Ilmu Perbankan dan Keuangan Syariah, 6(1), 71–86.
Kurniasari, M., & Amaliyah, S. (2023). Peran Pembiayaan Syariah terhadap Peningkatan Kesejahteraan UMKM di Pedesaan. Jurnal Ekonomi Syariah Nusantara, 5(1), 40–55.
Mankiw, N. G. (2017). Principles of Microeconomics (7th ed.). Boston: Cengage Learning.
Nasution, M. E., & Ulum, M. B. (2015). Kontribusi UMKM dalam Pertumbuhan Ekonomi Indonesia. Jurnal Ekonomi dan Pembangunan, 13(1), 10–20.
Oktavia, D. (2019). Model Pendampingan Nasabah dalam Pembiayaan Mikro Syariah. Jurnal Al-Muzara’ah, 7(2), 95–108.
Prasmiasih, O., Saputeri, N. P., Warsiyah, & Fakhrurozi, M. (2025). Strategi pemasaran pembiayaan KPR di BTN Syariah Bandar Lampung. Jurnal Ekonomi Syariah, 5(1), 235–334.
Saputeri, N., & Ali, J. (2023). Financial performance analysis of sharia commercial banks in Indonesia. AEU Journal of Finance, 2023, 1–15.
Setiawan, D. (2021). Strategi Pembiayaan Mikro Syariah untuk Pemberdayaan Ekonomi Perempuan. Jurnal Keuangan Syariah dan Ekonomi Islam, 4(2), 100–115.
Suretno, D., & Bustam, Y. (2020). Efektivitas Pembiayaan Syariah dalam Meningkatkan Produktivitas UMKM. Jurnal Ekonomi Islam Modern, 2(1), 76–88