Pengaruh Bank Syariah Terhadap UMKM

Abstract

Abstract

This study aims to examine the role of Islamic banks in strengthening Micro, Small, and Medium Enterprises (MSMEs) in Indonesia through a literature review approach. MSMEs play a strategic role in the national economy as a major contributor to employment and economic growth. However, MSMEs continue to face various challenges, particularly limited access to financing and low financial literacy. Islamic banks offer Sharia-compliant financing schemes based on principles of fairness, partnership, and risk-sharing through contracts such as murabahah, mudharabah, and musyarakah. The results of the literature review indicate that Islamic financing contributes positively to MSMEs by improving access to capital, increasing production capacity, and supporting business sustainability. Nevertheless, several challenges remain, including limited financial literacy, inadequate business management, and unequal distribution of Islamic banking services. Therefore, strengthening Islamic banks’ role through product innovation, financial literacy enhancement, and collaboration with relevant stakeholders is essential to optimize their contribution to MSME development.

Keywords: Islamic banking, MSMEs, Sharia financing

Abstrak

Penelitian ini bertujuan untuk mengkaji peran bank syariah dalam penguatan Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia melalui pendekatan studi literatur. UMKM memiliki peran strategis dalam perekonomian nasional sebagai penyerap tenaga kerja dan penggerak pertumbuhan ekonomi. Namun demikian, UMKM masih menghadapi berbagai kendala, khususnya keterbatasan akses pembiayaan dan rendahnya literasi keuangan. Bank syariah menawarkan skema pembiayaan berbasis prinsip syariah yang menekankan nilai keadilan, kemitraan, dan bagi hasil melalui akad seperti murabahah, mudharabah, dan musyarakah. Hasil kajian menunjukkan bahwa pembiayaan syariah berkontribusi positif dalam meningkatkan akses permodalan, kapasitas produksi, dan keberlanjutan usaha UMKM. Meskipun demikian, implementasi pembiayaan syariah masih menghadapi tantangan berupa rendahnya literasi keuangan, keterbatasan manajerial UMKM, serta jangkauan layanan bank syariah yang belum merata. Oleh karena itu, diperlukan penguatan peran bank syariah melalui inovasi pembiayaan, peningkatan literasi keuangan, dan sinergi dengan berbagai pemangku kepentingan.

Kata kunci: Bank Syariah, UMKM, Pembiayaan Syariah