scholarly journals PERMINTAAN PEMBIAYAAN UMKM KE PERBANKAN SYARIAH DI SUMATERA BARAT

2019 ◽  
Vol 4 (2) ◽  
pp. 151
Author(s):  
NENG KAMARNI ◽  
HEFRIZAL HANDRA
Keyword(s):  
Capital Expenditure ◽  
Small And Medium Enterprises ◽  
Islamic Banking ◽  
Real Sector ◽  
Chi Square ◽  
The People ◽  
West Sumatra ◽  
Capital Financing ◽  
Medium Businesses ◽  
Medium Enterprises

The demand forIslamic financing from Micro, Small and Medium Enterprises (MSMEs) is important to be analyzed since they have a significant role in employment and the source of living for community. Quantitatively, the income and profits of MSMEs have a big impact on the gross regional domestic product (GRDP) where the MSMEs are located. They can be one of the drivers of the real sector of economy to improve the welfare of the community. The Islamic financing scheme is an alternative to strengthen the MSMEs and this is in line with the culture of the people of West Sumatra. This study aims to analyze the factors related to the demand for Islamic banking financing in helping micro, small and medium businesses to finance the capital expenditure in West Sumatra. The data used in this research is directly collected from the field. About 100 samples are chosen from 3,105 MSMEs that have already accessed capital financing from various Islamic Bank in West Sumatra. A crosstab analysis is used and tested using the Chi-Square method based on probability. One important finding of this study is that the bigger the size of capital financing, the bigger the probability of MSMEs to increase the income

scholarly journals Peranan Al-Mudharabah Sebagai Salah Satu Produk Perbankan Syariah Dalam Upaya Mengentaskan Kemiskinan Di Indonesia

2012 ◽  
Vol 8 (2) ◽  
Author(s):  
Dwi Agung Nugroho Arianto
Keyword(s):  
Economic Growth ◽  
Basic Principle ◽  
Small And Medium Enterprises ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Real Sector ◽  
Islamic Banks ◽  
Small Community ◽  
The Real ◽  
Medium Enterprises

One of the fight against poverty can be done by expanding access to Micro, Small and Medium Enterprises (UMKM) in obtaining such capital facilities through Islamic banking. Based on the basic principle of its products, Islamic banks have the financing to the principle of profit sharing, which developed the product mudharabah. This financing is productive because the capital invested for the supply of labor so as to empower the economy through small community of Micro, Small and Medium Enterprises (UMKM). By developing micro, small and medium enterprises it will help create jobs and economic growth in the real sector, thus keeping down unemployment and poverty in Indonesia.

scholarly journals Pemanfaatan Buah Nanas Lewat Matang Melalui Substrat Nata De Pina di Provinsi Lampung

2019 ◽  
Author(s):  
Maulana Daffa 'Athaullah Yahya
Keyword(s):  
Research Method ◽  
Small And Medium Enterprises ◽  
Economic Value ◽  
The People ◽  
Processed Products ◽  
Medium Businesses ◽  
Medium Enterprises ◽  
The Impact

Lampung City is a city that has abundant pineapple yields. However, most fruits that did not meet the standards, such as fruit that fell from the tree or known as pineapple rejected. Fruits that do not meet the sales standard have a very low economic value and are only thrown into waste. This study aims to increase the economic value of this pineapple with the intention of becoming a substrate of nata de pina. Pineapple has a fairly high content and is approved as a substrate for making nata. The research method used is qualitative, namely by explaining the steps of making pineapple as a nata de pina substrate. The Innovation of Small and Medium Enterprises in Lampung City in making processed pineapple products has made a major contribution to the people of Lampung City, especially pineapple farmers. Farmers who used to only sell raw pineapple at affordable prices are now increasing their income because they sell high-priced processed products. The people also enjoy the impact of the presence of nata de pina, because nata de pina is often added to desserts to add sweetness. This research makes reference for small and medium businesses in developing pineapple processed products.

scholarly journals MICRO, SMALL MEDIUM BUSINESSES EMPOWERMENT (SMEC) IN SUPPRESSING THE RATE OF POVERTY IN INDONESIA

2018 ◽  
Author(s):  
Suseno Hadi Purnomo ◽  
Patta Rapanna
Keyword(s):  
Qualitative Research ◽  
Financial Institutions ◽  
Research Approach ◽  
Real Sector ◽  
The Real ◽  
The Third ◽  
The People ◽  
The Government ◽  
Medium Businesses ◽  
Medium Enterprises

This type of qualitative Research approach through Phenomenology, so who became the research results is thatthe midst of efforts undertaken by the Government of Indonesia is by moving the real sector through Small MediumEnterprises sector. Some policies regarding this sector,such as KUR (business credit the people) and the PNPM (NationalCommunity Empowerment Program). Strategic efforts that could be undertaken in the framework of empowerment ofSmall Medium Enterprises among others, first, creating a climate that is conducive to the development of Small MediumEnterprises include regulation and protection efforts. Both create a system guarantee for micro. The third providestechnical assistance in the form of mentoring and assistance managerial. Fourth enlarges access of financial institutions

scholarly journals PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA

2017 ◽  
Vol 1 (2) ◽  
pp. 183
Author(s):  
Taudlikhul Afkar
Keyword(s):  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Real Sector ◽  
Unit Of Analysis ◽  
Capital Adequacy Ratio ◽  
Medium Enterprises

The purpose of this research is to know the influence of sharia financing by the real sector through micro, small and medium enterprises (SMEs) and the influence of capital adequacy of Islamic Banking in Indonesia in order to earn profit by using managed assets. This study uses a quantitative approach that analyzes secondary data from financial statements Islamic Banking in Indonesia period 2012-2015. Sampling technique using purposive sampling with the ratio of each variable as a unit of analysis. The analysis used multiple linear regression with t test partially. The results showed that the influence of Islamic financing of micro, small and medium enterprises (SMEs) on the ability to get a very significant profit partially by 0.708 or 70.8%, while the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR) -0.519 or -51.9%. The Effect of micro, small and medium enterprises (SMEs) financing and Capital Adequacy of Islamic Banking in obtaining profit amounts to 55.7%. This research shows that the financing of UMKM given by Islamic Banking gives an important role for entrepreneurs to develop his business with sharia scheme. 

scholarly journals PENGARUH PEMBIAYAAN USAHA MIKRO, KECIL, MENENGAH (UMKM), DAN KECUKUPAN MODAL TERHADAP KEMAMPUAN MENDAPATKAN LABA DARI ASET PERBANKAN SYARIAH DI INDONESIA

2017 ◽  
Vol 1 (2) ◽  
pp. 183
Author(s):  
Taudlikhul Afkar
Keyword(s):  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Real Sector ◽  
Unit Of Analysis ◽  
Capital Adequacy Ratio ◽  
Medium Enterprises

The purpose of this research is to know the influence of sharia financing by the real sector through micro, small and medium enterprises (SMEs) and the influence of capital adequacy of Islamic Banking in Indonesia in order to earn profit by using managed assets. This study uses a quantitative approach that analyzes secondary data from financial statements Islamic Banking in Indonesia period 2012-2015. Sampling technique using purposive sampling with the ratio of each variable as a unit of analysis. The analysis used multiple linear regression with t test partially. The results showed that the influence of Islamic financing of micro, small and medium enterprises (SMEs) on the ability to get a very significant profit partially by 0.708 or 70.8%, while the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR) -0.519 or -51.9%. The Effect of micro, small and medium enterprises (SMEs) financing and Capital Adequacy of Islamic Banking in obtaining profit amounts to 55.7%. This research shows that the financing of UMKM given by Islamic Banking gives an important role for entrepreneurs to develop his business with sharia scheme. 

scholarly journals Konstribusi Pembiayaan Perbankan Syariah terhadap Pengembangan Usaha Mikro, Kecil, dan Menengah

2013 ◽  
Vol 13 (2) ◽  
Author(s):  
Muslimin Kara
Keyword(s):  
Gross Domestic Product ◽  
National Economy ◽  
Small And Medium Enterprises ◽  
Domestic Product ◽  
Islamic Banking ◽  
Real Sector ◽  
The Core ◽  
The Face ◽  
Important Position ◽  
Medium Enterprises

Abstract: The Contribution of Funding Shariah Banking to Developing Micro, Small, and Medium Enterprises Inority Jurisprudence. The characteristics of Islamic banking are different to conventional banking, because Islamic banking based on the core products of for results which developed into mushârakah and mudârabah financing products. Thus, the existence of Islamic bank should provide large contributions toward real sector development. One enterprise unit that needs to be developed to support real sector development is Micro Small and Medium Enterprises (MSMEs) in the current national economy havinga very important position, because of its contribution in employment and Gross Domestic Product (GDP), as well as flexibility and strength in the face of economic crisis.Keywords: Islamic fund, Micro, Small, and Medium Enterprises (MSMEs)Abstrak: Konstribusi Pembiayaan Perbankan Syariah terhadap Pengembangan Usaha Mikro, Kecil, dan Menengah. Karakteristik perbankan syariah berbeda dengan perbankan yang berdasarkan sistem bunga, karena perbankan syariah didasarkan pada core product pembiayaan bagi hasil yang dikembangkan dalam produk pembiayaan mushârakah dan mudârabah. Dengan demikian, kehadiran perbankan syariah seharusnya memberikan dampak yang besar terhadap pertumbuhan sektor riil. Salah satu unit usaha yang perlu dikembangkan untuk mendorong pertumbuhan sektor riil adalah usaha mikro kecil dan menengah (UMKM) yang dalam perekonomian nasional saat ini memiliki posisi yang sangat penting, karena kontribusinya dalam penyerapan tenaga kerja dan pendapatan domestik bruto (PDB), serta fleksibilitas dan ketangguhannya dalam menghadapi krisis ekonomi.Kata Kunci: pembiayaan syariah, usaha mikro, kecil, dan menengah (UMKM)DOI: 10.15408/ajis.v13i2.944

scholarly journals COMMERCIAL BANKS AND THEIR EFFECT ON SMALL AND MEDIUM ENTERPRISES FINANCING IN RWANDA: A CASE STUDY OF KIGALI CITY AND SOUTHERN PROVINCE

AGROFOR ◽  
2021 ◽  
Vol 6 (1) ◽  
Author(s):  
Mutamuliza EULARIE ◽  
Giramata AURORE
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Small And Medium Enterprises ◽  
Financial Industry ◽  
Chi Square ◽  
Southern Province ◽  
Start Up ◽  
Chi Square Test ◽  
The Government ◽  
Medium Enterprises

Commercial Banks worldwide are identified to be one of the key players in the financial industry that have positively affected individuals involved in business, and the economy at large, through the functions they perform in the economy. However, inadequate financing in the activities of Small and Medium Enterprises (SMEs) is still the major constraint faced by people involved in business activities. Even though the Government of Rwanda has made effort to improve the accessibility to credit, entrepreneurs still have some challenges to access financial services in order to improve their businesses. The purpose of this research was to assess the contribution of commercial banks in financing SMEs in Rwanda. A sample of 60 SMEs was selected in Kigali and Southern Province of Rwanda. Data was collected from the respondents through a structured questionnaire. The collected data were analyzed using descriptive statistics such as frequencies and percentage distributions. A Pearson Chi-Square Test was used to analyze the relationship between commercial banks and SMEs in Rwanda. The results indicated that the main purposes of loan application were start-up capital, working capital and expansion of businesses. The results also revealed that there was positive relationship between commercial banks and SMEs in Rwanda. The results revealed as well, that commercial banks in Rwanda played a crucial role in contribution to SME’s economic development and small and medium entrepreneurs who got credit from commercial banks expanded their businesses and increased their income.

scholarly journals Farah Fadhilah Ansetti_130218278_KP B

2021 ◽  
Author(s):  
farah fadhilah
Keyword(s):  
Foreign Exchange ◽  
Small And Medium Enterprises ◽  
Domestic Economy ◽  
Direct Impact ◽  
Current Account Deficits ◽  
The People ◽  
Tourism Sector ◽  
Direct And Indirect Impacts ◽  
Indirect Impacts ◽  
Medium Enterprises

Indonesia’s tourism sector continues to be encouraged to become one of the major foreign exchange earner sectors and has a direct impact on the people involved in tourism activities in the hope of covering current account deficits, increasing employment, and moving Micro, Small and Medium Enterprises (MSMEs). It should be understood that the tourism sector has direct and indirect impacts on the domestic economy

scholarly journals PEMBINAAN USAHA KECIL MENENGAH DALAM PEMBUATAN SABUN COLEK DI TEMBESI TOWER KELURAHAN TEMBESI

2021 ◽  
Vol 3 (1) ◽  
pp. 93-102
Author(s):  
Hazimah Hazimah ◽  
Zefri Azharman
Keyword(s):  
Small And Medium Enterprises ◽  
New Product ◽  
Raw Material ◽  
Product Positioning ◽  
Service Activity ◽  
Chemical Content ◽  
Long Time ◽  
Medium Businesses ◽  
Medium Enterprises ◽  
The Impact

UKM (small and medium enterprises) in the Tembesi Tower, Tembesi sub-district, are not developing well. This is indicated by the low turnover obtained by each UKM (small and medium enterprise) in 1 month. customer expectations. New products must be made so that these small and medium businesses can survive and continue to exist. The new product must have a distinctive and good quality so that the product positioning is clearer and able to compete with other products on the market. This service activity aims to provide a solution to this by creating a new product in the form of a dab soap that is safe for health and environmentally friendly. Some soaps circulating in the market only prioritize cleaning power, but the chemical content in the soap is harmful to health and the environment. The impact of conventional soap on health is irritation of the skin which, if left for a long time, the irritation will turn into eczema. In addition, conventional soap also harms the environment because the raw material for soap comes from petroleum which is difficult to be broken down by bacteria. Community service activities are carried out in the form of coaching. The service team expects to increase the income and advantages of UKM (small and medium businesses) in the Tembesi Tower and to be able to create jobs or open a business with a revolutionary cream soap product design.

scholarly journals THE ROLE OF SMALL AND MEDIUM-SIZED BUSINESSES IN THE SOCIO-ECONOMIC DEVELOPMENT OF COMPANY TOWNS

2014 ◽  
pp. 88-93
Author(s):  
E. V. Reznikova
Keyword(s):  
Economic Development ◽  
Small And Medium Enterprises ◽  
State Support ◽  
Company Towns ◽  
Socio Economic Development ◽  
Single Industry ◽  
Medium Businesses ◽  
Medium Enterprises ◽  
Made In

The development of small and medium enterprises (SME) plays an important role in the comprehensive modernization of the economy of single-industry towns, acting as a factor of its growth and diversification. The analysis of the dynamics of the development of SME of non-diversified municipal formations and directions of its state support was made, suggestions on the monitoring organization of statistical factors of SME in single-industry towns and on the development of comprehensive investment plans on modernization of single-industry towns were made in a part of the development and support of small and medium businesses in single-industry towns.

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