PEMBERDAYAAN UMKM MELALUI PEMBIAYAAN DENGAN PRINSIP BAGI HASIL OLEH LEMBAGA KEUANGAN SYARIAH
DOI:
https://doi.org/10.21776/ub.arenahukum.2013.00601.7Keywords:
Bagi HasilAbstract
Abstract
This journal writingbased onthe ability ofSMEstoabsorb laborinIndonesia which is quitelarge, as many as97.3% of thetotallabor. The role of SMEs in the reality have difficulties with some factors, one of the factor is capital issues. This is where Syariah financial institution with the profit sharing principal to be expected become ideal solution. Observing phenomenon as above it is necessary to have assessment on few point area, first: implementation of financing on Syariah financial institution in the Malang City related with the profit sharing principal perceived become ideal solutions for SMEs. Second; related with the factors that become the barrier on implementation of Syariah financial institution in Malang City with the point of profit sharing principal and the Third; related with the right solution to overcome the barrier factors on the implementation at Shariah financial institution in Malang City concerning exact profit sharing principal.
Key words: empowerment, micro small and medium enterprises (SMEs), profit sharing, syariah financial institution
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Abstrak
Penulisan jurnal ini dilatarbelakangi kemampuan UMKM dalam menyerap tenaga kerja di Indonesia cukup besar, yaitu sebanyak 97,3% dari total angkatan kerja yang bekerja. Peran UMKM tersebut dalam kenyataannya terkendala oleh beberapa hal, diantaranya adalah permasalahan modal. Disinilah lembaga keuangan syariah dengan pembiayaan berprinsip bagi hasil diharapkan menjadi solusi yang ideal. Mengamati fenomena yang demikian maka perlu dikaji mengenai beberapa hal,pertamapelaksanaan pembiayaan pada lembaga keuangan syariah di Kota Malang berkenaan dengan prinsip bagi hasil yang dirasa sangat ideal bagi UMKM. Kedua adalah berkenaan dengan faktor-faktor penghambat pelaksanaan pembiayaan pada lembaga keuangan syariah di Kota Malang berkenaan dengan prinsip bagi hasil, dan ketiga adalah berkaitan dengan solusi mengatasi faktor-faktor penghambat penghambat pelaksanaan pembiayaan pada lembaga keuangan syariah di Kota Malang berkenaan dengan prinsip bagi hasil yang dirasa sangat ideal tersebut.
Kata kunci: pemberdayaan, usaha mikro kecil dan menengah (UMKM), bagi hasil, lembaga keuangan syariah
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