STUDI LITERATUR PERAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) TERHADAP PENINGKATAN KINERJA UMKM DI INDONESIA

  • Nurliza Lubis Universitas Samudra
Keywords: MSMEs, Sharia Financing, Economic Development

Abstract

This study analyzes the role of Sharia People's Financing Banks (BPRS) in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Using a literature review method, this research examines various academic publications and credible reports discussing the contributions of BPRS to MSME development. The findings indicate that BPRS plays a significant role by providing sharia-based financing such as murabahah and musharakah, which help MSMEs overcome capital constraints. Furthermore, BPRS serves as a social intermediary by providing training and consultations to enhance MSME capacities. The advantage of the profit-sharing system implemented by BPRS offers flexibility for MSMEs without the burden of fixed interest, encouraging productivity and business sustainability. However, the study also identifies several challenges, such as limited working capital, the need for product innovation, and low financial literacy among MSMEs. These findings highlight that BPRS impacts not only at the microeconomic level but also contributes to local economic development through increased job absorption, regional GDP growth, and reduced economic inequality. This study is expected to provide academic contributions and serve as a foundation for formulating policies to strengthen the role of BPRS in empowering MSMEs in Indonesia

References

Ardiansyah, T. (2019). Model Financial dan Teknologi (Fintech) Membantu Permasalahan Modal Wirausaha UMKM di Indonesia. Majalah Ilmiah Bijak, 16(2), 158–166. https://doi.org/10.31334/bijak.v16i2.518

Chapra, M. U. (2000). The Future of Economics: An Islamic Perspective. The Islamic Foundation.

Dihni, V. A. (2021). Meningkat 21,68%, Pembiayaan Lembaga Keuangan Mikro Capai Rp 749,42 Miliar pada 2020. Databoks Katadata. https://databoks.katadata.co.id/keuangan/statistik/a3244d19e0eb9de

Fadhillah, I. (2019). Peran PT. BPRS Al-Washliyah Medan dalam Pengembangan Usaha Mikro Kecil dan Menengah (UMKM). Universitas Islam Negeri Sumatera Utara. http://repository.uinsu.ac.id/id/eprint/6992

Fauzi, A. (2019). Peran Bank Pembiayaan Rakyat Syariah (BPRS) dalam Pemberdayaan Ekonomi Masyarakat Bangka Belitung. Jurnal Istiqro, 5(1), 36. https://doi.org/10.30739/istiqro.v5i1.341

Hakim, L. (2024). UMKM Penggerak Roda Perekonomian Nasional. Public Administration Journal (PAJ, 8(1), 1–8. https://journal.moestopo.ac.id/index.php/paj/article/view/4490

Ivanka, M. N., & Maika, M. R. (2022). Strategi Pemasaran dalam Meningkatkan Jumlah Nasabah Bank Pembiayaan Rakyat Syariah (BPRS) Lantabur Tebuireng Sidoarjo. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5(2), 128–142. https://doi.org/10.25299/syarikat.2022.vol5(2).10348

Maryati, S. (2015). Peran Bank Pembiayaan Rakyat Syariah dalam Pengembangan UMKM dan Agribisnis Pedesaan di Sumatera Barat. Economica, 3(1), 1–17. https://doi.org/10.22202/economica.2014.v3.i1.231

Maysarah, M. (2020). Peran Bank Perkreditan Rakyat dalam Meningkatkan Pendapatan Usaha Mikro Kecil Menengah: Studi pada PD. BPR Lombok Tengah Cabang Praya Timur. UIN Mataram. http://etheses.uinmataram.ac.id/id/eprint/2430

Mirakhor, A., & Iqbal, Z. (2007). An Introduction to Islamic Finance: Theory and Practice. Wiley Finance.

Pradana, N. W., & Sumiyana, S. (2023). Analisis Kebutuhan UMKM Indonesia dengan Menggunakan Pendekatan Penalaran Hierarki Maslow Secara Organisasional. ABIS: Accounting and Business Information Systems Journal, 11(3), 260. https://doi.org/10.22146/abis.v11i3.85988

Purwati, W. (2020). Analisis Peran Intermediasi Sosial Perbankan Syariah Terhadap Petani (Studi BPRS Muamalat Harkat Sukaraja Kecamatan Sukaraja Kabupaten Seluma). IAIN Bengkulu. http://repository.iainbengkulu.ac.id/id/eprint/4293

Putri, L. F., Miftah, A. A., & Siregar, E. S. (2021). Peran Perbankan Syariah dalam Mengembangkan Usaha Mikro, Kecil, dan Menengah (Bank Syariah Indonesia KC Jambi). UIN Sulthan Thaha Saifuddin Jambi.

Rachmadani, E. A. (2024). Peran Produk Pembiayaan Bank Syariah pada Perkembangan UMKM di Indonesia. Arthavidya Jurnal Ilmiah Ekonomi, 26(1), 19–31. https://doi.org/10.37303/a.v26i1.496

Rafiuddin, M. (2023). Peran Bank Pembiayaan Rakyat Syariah terhadap Perkembangan UMKM di Kota Depok. Fakultas Ekonomi dan Bisnis UIN Jakarta. https://repository.uinjkt.ac.id/dspace/handle/123456789/73173

Rohmanu, T. (2021). Peran Pembiayaan UMKM Bank BPRS Bhakti Sumekar Cabang Legung dalam Mengembangkan Usaha Mikro (Studi Kasus di Pasar Legung Sumenep). Institut Agama Islam Negeri Madura. http://etheses.iainmadura.ac.id/id/eprint/1700

Setiawan, I. (2021). Pembiayaan UMKM, Kinerja Bank Syariah, dan Pertumbuhan Ekonomi di Indonesia. Islamic Banking: Jurnal Pemikiran dan Pengembangan Perbankan Syariah, 6(2), 263–278. https://doi.org/10.36908/isbank.v6i2.165

Syathiri, A., & Adhitama, F. (2022). Peran Bank Pembiayaan Rakyat Syariah dalam Pertumbuhan Ekonomi Regional di Indonesia. Jurnal Ilmiah Ekonomi Islam, 8(3), 2385. https://doi.org/10.29040/jiei.v8i3.6220

Wisnubro, K. (2021). BI Dukung Pembiayaan Inklusif untuk UMKM. Indonesia.Go.Id. https://indonesia.go.id/kategori/editorial/3164/bi-dukung-pembiayaan-inklusif-untuk-umkm

Zuhro, H. (2020). Peran Collateral dalam Penyelesaian Kredit Bermasalah pada Koperasi Pegawai Republik Indonesia (KPRI) Raung Besuki 2 Situbondo. UIN Khas Jember. http://digilib.uinkhas.ac.id/9909

Published
2024-12-09
How to Cite
Lubis, N. (2024). STUDI LITERATUR PERAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) TERHADAP PENINGKATAN KINERJA UMKM DI INDONESIA. ISTIQRA: Jurnal Hasil Penelitian, 12(2), 273 - 286. https://doi.org/10.24239/ist.v12i2.2902