Abstract
The problem of poverty in Aceh, with various factors, has made Aceh the poorest region in Sumatra in 2021. One of the efforts to overcome it is by developing the MSME sector. Therefore, the existence of financing at Bank Aceh Syariah is expected to be able to effectively overcome these problems. This study aims to determine the effectiveness of murabahah financing for Micro, Small, and Medium Enterprises in Aceh in poverty alleviation efforts, specifically for the City of Banda Aceh. The method used in this research is qualitative with a descriptive approach. The data sources used were primary and secondary with the techniques of observation, interviews, and documentation studies The results showed that the murabahah financing at PT. Bank Aceh Syariah Operational Headquarters for MSMEs is effective in poverty alleviation efforts, it can be seen that after receiving financing, MSMEs are able to increase income, develop businesses, and create jobs.
Highlights
Abstrak Permasalahan kemiskinan di Aceh, dengan berbagai faktornya telah menjadikan Aceh sebagai daerah termiskin se-sumatera pada tahun 2021
This study aims to determine the effectiveness of murabahah financing for Micro, Small, and Medium Enterprises in Aceh in poverty alleviation efforts, specifically for the City of Banda Aceh
The data sources used were primary and secondary with the techniques of observation, interviews, and documentation studies The results showed that the murabahah financing at PT
Summary
Adapun yang melaksanakan urusan pemerintahannya dipimpin oleh seorang Gubernur sebagai Kepala Daerah dan Dewan Perwakilan Rakyat Aceh sebagai Wakil Rakyat sesuai dengan fungsi dan kewenangannya masing-masing. Sebagai provinsi dengan jumlah penduduknya sekitar 5 juta jiwa (BPS 2021). Aceh memiliki ibukota di Banda Aceh sebagai pusat kegiatan ekonomi, politik, sosial dan budayanya. Aceh juga memiliki kekayaan sumber daya alam besar yang bisa dikelola dan dimanfaatkan untuk kesejahteraan rakyatnya, ditambah lagi Aceh juga memiliki keistimewaan dana otonomi khusus dari pemerintah pusat sebesar 8 triliun ditahun 2020 untuk membantu meningkatkan kesejahteraan dan keadilan bagi seluruh rakyat Aceh. Adapun jumlah penduduk miskin Aceh pada September 2020 adalah berjumlah [833,91] ribu orang (15,43 persen) bertambah sekitar 19 ribu orang (0,44 persen) dibanding Maret 2020 yang berjumlah [814,91] ribu orang (14,99 persen) (Diskominfo Aceh 2021)
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