MODEL KEBUTUHAN USAHA MIKRO DAN KECIL TERHADAP PEMBIAYAAN SYARIAH (STUDI PADA USAHA MIKRO DAN KECIL DI BOGOR)
Main Article Content
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.
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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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Alhifni, Anas. Baitul Mal Wat Tamwil (BMT). Jakarta: Indeks, 2019.
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Anggraeni, Lukytawati, Herdiana Puspitasari, Salahuddin El Ayubbi, and Ranti dan Wiliasih. "Akses UMKM Terhadap Pembiayaan Mikro Syariah Dan Dampaknya Terhadap Perkembangan Usaha : Kasus BMT Tadbiirul Ummah, Kabupaten Bogor." Jurnal Al-Muzara’ah 1, no. 1 (2013): 56-67.
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Darwanto. "Strategi Penguatan Microfinance Syariah Berbasis Ekonomi Kelembagaan." Inferensi: Jurnal Penelitian Sosial Keagamaan 8, no. 2 (2014): 501-522.
De Meza, David, and Clive Southey. "The Borrower’s Curse: Optimism, Finance and Entrepreneurship." The economic Journal 235 (2016): 375-386.
Dedu, Silvia, and Florentin Azerban. "Multiobjective Mean-Risk Models for Optimization in Finance and Insurance." Procedia Economics and Finance, 32 (2015): 973-980.
Echchabi, Abdelghani, and Oladokun Nafiu Olaniyi. "Using theory of reasoned action to model the patronisation behaviour of Islamic banks’ customers in Malaysia." Research Journal of Business Management 3 (2012): 70-82.
Faisal, Mohammad. "Entrepreneurial Marketing in SMES: The role of Founderand Secon-Generation Entrepreneurs." 2017.
Faisyal. R, and Raudah. O. "Kebijakan Pemerintah Indonesia Membentuk Indonesia Trade Promotion Centre (Itpc) Terhadap Korea Selatan Tahun 2012." Jurnal Online Mahasiswa Fakultas Ilmu Sosial dan Ilmu Politik Universitas Riau 2 (2015).
Firmandhani. "Faktor-faktor yang Mempengaruhi Niat Masyararakat dalam Membeli Produk Asuransi Mikro Syariah." Pascasarjana, Institut Pertanian Bogor (tidak diterbitkan), 2016.
Galkina, Tamara, and Henriksson Eva Lena Lundgren. "Coopetition as an entrepreneurial process: Interplay of causation and effectuation." Industrial Marketing Management 67 (2017): 158-173.
Gina, Widya, and Jaenal Effendi. "Program Pembiayaan Lembaga Keuangan Mikro Syariah (LKMS) dalam Peningkatan Kesejahteraan Pelaku Usaha Mikro (Studi Kasus BMT Baitul Karim Bekasi)." Jurnal Al-Muzara'ah 3, no. 1 (2015): 85-91.
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Haneef, Mohamed Aslam, Ataul Huq Pramanik, MO Mohamed, AD Muhammad, and FM Amin. "Integration of Waqf and Islamic Microfinance for Poverty Reduction. ." Statistical, Economic, and Sosial Research and Training for Islamic Countries (SESRIC) & International Islamic University Malaysia (IIUM), 2015.
Hariyadi, Edi, and Abdi Triyanto. " Peran Agen Asuransi Syariah Dalam Meningkatkan Pemahaman Masyarakat Tentang Asuransi Syariah. ." Jurnal Ekonomi dan Perbankan Syariah 5(1) (2017): 19-37.
Hasim, H. "Developing a Conceptual Framework of Microtakaful as a Strategy towards Poverty Alleviation." Journal of Economics and Sustainable Development, 5(28) (2014): 1-8.
Hasssan, lailatul Faizah Abu, wan Jamaliah Wan Jusoh, and Zarinah Hamid. "Determinant of customer loyalty in Malaysian takaful industry." Procedia-Sosial and Behavioral Sciences 130 (2014): 362-370.
Iqbal, Zamir, and Abbas Mirakhor. Economic Development and Islamic Finance. The World Bank, 2013.
Ismail, Verni Y. " The comparison of entrepreneurial competency in woman micro, Small, and Medium-scale Entrepreneurs." Procedia-Sosial and Behavioral Sciences 115 (2014): 175-187.
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LPDB-KUKM. "Ringkasan Eksekutif Rencana Bisinis dan Anggaran." 2018.
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Maizaitulaidawati, Md. Muslim Intention to Participate into Family Takaful Scheme: A Study Using Decomposed Theory of Planned Behavior in Klang Valley, Malaysia. Malaysia: Tesis Dr. Fal, Jabatan Syariah dan Ekonomi, Universiti Malaya (tidak diterbitkan), 2015.
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Mohamad, muhammad Hisyam. "Towards a More Holistic Landscape of Takāful Sistem: A Proposal to Rejuvenate the Spirit of Mutuality through Corporate Waqf Model." TAFHIM: IKIM Journal of Islam and the Contemporary World 7 (2014).
Mohd Rom, Noorashikin. Norashikin. (2014). The development of a microtakaful model to serve the underprivileged: low income and the poor in selected states in Malaysia . Doctoral dissertation, Universiti Teknologi MARA (tidak diterbitkan) Thesis, 2014.
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