Pengembangan Usaha Kecil Studi pada Bank Syariah Mandiri Area Jambi

Authors

  • Agustina Mutia Fakultas Ekonomi dan Bisnis Islam UIN Sulthan Thaha Saifuddin Jambi
  • Mawarni Mawarni Fakultas Ekonomi dan Bisnis Islam UIN Sulthan Thaha Saifuddin Jambi

DOI:

https://doi.org/10.30631/innovatio.v17i1.16

Keywords:

Kontribusi BSM, UMKM

Abstract

Tulisan ini bertujuan mengkaji kontribusi Bank Syariah Mandiri (BSM) Area Jambi dalam melakukan pengembangan usaha mikro, kecil dan menengah (UMKM). BSM Area Jambi suah berperan aktif bagi pengembangan UMKM di Kota Jambi dengan membantu pertumbuhan dan perkembangan usaha UMKM. Sebelumnya BSM berfokus pada pemberian modal usaha saja. Namun saat ini, BSM Area Jambi berperan dalam memberikan pendampingan usaha seperti mendorong izin usaha bagi usaha yang belum memiliki izin resmi dari pemerintah. Faktor yang mendukung kontribusi BSM dalam pembiayaan UMKM di Kota Jambi adalah agama penganut mendukung UMKM memilih pembiayaan BSM dan kebijakan pemerintah dalam bentuk KUR sebagai pembiayaan yang meringankan bagi UMKM. Sedangkan penghambatnya dari sisi nasabah adalah kesulitan menilai UMKM yang feasible dan bankable yang memenuhi persyaratan bank, akses informasi yang terbatasi kepada UMKM mengenai fasilitas pembiayaan yang ada, menyebabkan rendah animo masyarakat terhadap fasilitas pembiayaan BSM dan kesulitan membina manajemen UMKM seperti pemisahan keuangan antara keuangan pribadi dengan usaha

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Published

2017-06-30

Issue

Vol. 17 No. 1 (2017)

Section

Articles

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