Abstract
Micro, Small and Medium Enterprises (MSMEs) are a group of people who work as business actors, who have a desire to increase personal income and also the wider community. However, this certainly requires special support from the Islamic Microfinance Institution itself, one of which is the Sharia Cooperative. This study aims to determine how the implementation of Murabahah Akad financing and efforts to increase Micro, Small and Medium Enterprises (MSMEs) at KSPPS Permata Barokah Jaya, Pandaan Village. Researchers chose to use qualitative research methods with a case study approach. The results of this study indicate that the implementation of the Murabahah Agreement which is in demand by many financing members at KSPPS Permata Barokah Jaya is in accordance with the principles of Sharia. However, efforts to increase Micro, Small and Medium Enterprises (UMKM) at KSPPS Permata Barokah Jaya are still not able to provide maximum financing for business actors, because the Murabahah Akad financing at KSPPS Permata Barokah Jaya is dominated by members who work as factory employees. This factory employee, is considered to be able to make it easier for the KSPPS Permata Barokah Jaya in surveying prospective members, as well as the inclusion of guarantees in the form of a member Salary ATM.
Highlights
Negara Indonesia memiliki banyak penduduk yang mayoritas menganut Agama Islam
This study aims to determine how the implementation of Murabahah Akad financing and efforts to increase Micro, Small and Medium Enterprises (MSMEs) at Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) Permata Barokah Jaya, Pandaan Village
The results of this study indicate that the implementation of the Murabahah Agreement which is in demand by many financing members at KSPPS Permata Barokah Jaya is in accordance with the principles of Sharia
Summary
Negara Indonesia memiliki banyak penduduk yang mayoritas menganut Agama Islam. Agama Islam sendiri merupakan Agama Dakwah yang bertugas untuk memperkenalkan dan menyiarkan ajaran Syari’at Islam kepada penjuru Dunia. Koperasi Simpan Pinjam ini melakukan kegiatan penghimpunan dana dari anggotanya, yang kemudian disalurkan kembali kepada anggota atau masyarakat umum serta pelaku Usaha Mikro Kecil dan Menengah (UMKM) yang membutuhkan bantuan dana (Badan Pusat Statistik Indonesia, 2019). Banyaknya pelaku Usaha Mikro, Kecil dan Menengah (UMKM), peran dari Koperasi Syariah terkait Lembaga Keuangan yang memberikan pinjaman atau pembiayaan harus lebih ditingkatkan dan dikembangkan, serta dikelola agar bersifat lebih efisien (Nuryanto, dkk., 2014); (Budiantoro et al, 2018). Dengan jumlah yang semakin meningkat inilah peran Koperasi Simpan pinjam dan pembiayaan syariah sangat diperlukan untuk membantu pelaku UMKM dalam mengembangkan usaha yang dimilikinya (Budiantoro et al, 2018). UMKM akan lebih terbantu dengan adanya Lembaga Keuangan Mikro Syariah, seperti Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang akan membantu masalah terkait hal keuangan, seperti permodalan, pelengkap usaha dan lain sebagainya (Novita et al, 2014). Terkait fokus pemberian pembiayaan oleh KSPPS Permata Barokah Jaya, permintaan dari pelaku usaha baru atau pelaku usaha lama menjadi hal yang paling sering ditolak pengajuannya, sedangkan permintaan yang paling diutamakan ialah berasal dari Karyawan tetap Perusahaan, dikarenakan gaji yang dimiliki oleh Karyawan tetap bersifat sama setiap bulannya
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