MODEL KEBUTUHAN USAHA MIKRO DAN KECIL TERHADAP PEMBIAYAAN SYARIAH (STUDI PADA USAHA MIKRO DAN KECIL DI BOGOR)

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Metti Paramita
Wildan Munawar
Andri Brawijaya

Abstract

Penelitian ini bertujuan untuk mengetahui kebutuhan Usaha Mikro dan Kecil (UMK) terhadap pembiayaan syariah dan mengusulkan model kebutuhan UMK yang dapat diterapkan bagi lembaga keuangan syariah dalam memberikan pembiayaan. Metode penelitian ini menggunakan metode deskriptif melalui pendekatan kualitatif dengan pengumpulan data berupa Focus Group Discussion (FGD) dan wawancara kepada UMK di Bogor dengan teknik analisis data menggunakan Miles and Huberman. Hasil penelitian menunjukkan bahwa UMK di Bogor membutuhkan pembiayaan syariah dengan beberapa ketentuan yang dapat memudahkan UMK dalam menyelesaikan pembiayaannya diantaranya pembayaran dilakukan setiap minggu, persentase nisbah yang kecil, dan variasi produk pembiayaan khusus untuk UMK. Adapun model yang diusulkan adalah model kebutuhan pembiayaan syariah usaha mikro dan kecil melalui lembaga keuangan mikro syariah dengan pendampingan dari fasilitator.

Article Details

How to Cite
Paramita, M., Munawar, W., & Brawijaya, A. (2019). MODEL KEBUTUHAN USAHA MIKRO DAN KECIL TERHADAP PEMBIAYAAN SYARIAH (STUDI PADA USAHA MIKRO DAN KECIL DI BOGOR). JURNAL SYARIKAH : JURNAL EKONOMI ISLAM, 5(2), 182–195. https://doi.org/10.30997/jsei.v5i2.2353
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