Analysis of the Implementation of MSME Financing Development at PT. Bank Sumut KCP Sy Hamparan Perak

Article Sidebar

Page Numbers: 1162-1176
Download PDF
Published: Sep 18, 2025
Digital Object Identifier: 10.58578/ahkam.v4i3.7418
Save this to:
Save to Mendeley Download RIS

Article Metrics:
Viewed: 129 times
Downloaded: 127 times
Article can trace at:

Author Fee:
Free Publication Fees for Foreign Researchers (USD 0.00)
Check for article on SINTA:

LYAS Publisher cordially invites qualified professionals to serve as Editors or Reviewers. Your expertise will make an important contribution to maintaining and strengthening the academic quality of our publications. Interested applicants are kindly requested to complete the application form at the following link: Editors & Reviewers

Connected Papers:
Connected Papers

Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.

Authors:
Nuraini Najwa1, Riswan Rambe2*
Copyright :

Authors retain copyright and grant the journal right of first publication.


Main Article Content

Nuraini Najwa
Universitas Potensi Utama Medan
Riswan Rambe -
Universitas Potensi Utama Medan

Abstract

This study analyzes the implementation of MSME financing development at PT Bank Sumut KCPsy Hamparan Perak, with a focus on strategies, challenges, and solutions within the framework of Islamic banking. Employing a qualitative descriptive approach, data were collected through interviews, observations, and documentation, and analyzed using data reduction, presentation, and conclusion techniques. The findings reveal that MSME financing is implemented comprehensively by prioritizing sharia principles, including direct engagement with business actors, financing through mudharabah and musyarakah contracts, and provision of post-financing assistance. However, several obstacles hinder optimal implementation, such as low financial literacy, limited business legality, unstable MSME income, and insufficient field officers. To address these challenges, the bank has introduced financial literacy programs, assisted with business legality, enhanced officer capacity, and developed digital innovations. These measures have contributed to sustaining growth in financing while reinforcing the role of Islamic banks in supporting community-based economic development.

Keywords:
Share Article:

Citation Metrics:

 Scopus



Downloads

Download data is not yet available.

Scopus Citation Data

Data source Crossref
1
citations
Check Secondary Documents in Scopus
Open this article in Scopus, then check the Secondary documents tab. Use Manual Citation Fallback only for counts you have verified manually.
Open in Scopus
Citing Documents
Crossref
  1. Ulil Albab, Mawardi Mawardi (2025)
    Evaluating the effectiveness of city-level Islamic economic coordination in advancing Sharia financial inclusion in Bandar Lampung
    Journal of Islamic Economics Lariba, 11(2), 1863
Similar Scopus Articles
Scopus
  1. Urazkeldiyeva D.A. (2027)
    Development of technology for obtaining high-purity sodium chloride with induced impurity removal and process modeling
    Kompleksnoe Ispolzovanie Mineralnogo Syra, 342(3), 56-64
  2. Thinwiangthong S. (2027)
    Biology and Health Education Curriculum on Liver Fluke Disease and Cholangiocarcinoma Prevention among Primary School Students in Endemic Areas to Support Sustainable Development Goals (SDGs): Bibliometric and Mixed-Methods Needs Analysis
    Asean Journal of Educational Research and Technology, 6(1), 127-152
  3. Mirzahosseini M. (2027)
    A Review of Constitutive Modeling of Unsaturated Soils
    Iranian Journal of Geophysics, 20(3), 81-128

Article Details

How to Cite
Najwa, N., & Rambe, R. (2025). Analysis of the Implementation of MSME Financing Development at PT. Bank Sumut KCP Sy Hamparan Perak. AHKAM, 4(3), 1162-1176. https://doi.org/10.58578/ahkam.v4i3.7418

Creative Commons License
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.

References

Alpajar, H., Warsiyah, & Saputeri, N. P. (2025). Implementasi Pembiayaan BTPN Syariah Terhadap Perkembangan UMKM di Krui Lampung. Ad- Diwan: Journal of Islamic, 4(2), 59–68. https://doi.org/https://doi.org/10.51192/ad.v4i2.1261

Anita, Thantawi, T. R., & Suryani, E. (2022). Analisis Faktor-Faktor yang Mempengaruhi Aksesibilitas UMKM terhadap Produk Pembiayaan Di Bank Umum Syariah (Studi di Kecamatan Pamijahan Bogor, Kabupaten Bogor). Sahid Banking Journal, 1(01), 45–59. https://doi.org/10.56406/sahidbankingjournal.v1i01.19

Author, A. S., & Kassim, S. (2022). Collateral Imposition and Financial Inclusion: A Case Study among Islamic Banks and MSMEs in Indonesia. Islamic Economic Studies, 30(1). https://doi.org/https://doi.org/10.1108/IES-04-2022-0023

Baroka, D. E., & Helmita. (2024). Analisis Peran Pt. PNM Sebagai Lembaga Pembiayaan dalam Mendukung Pengembangan dan Pertumbuhan UMKM di Kecamatan Bumi Agung. Indonesian Journal of Strategic Management, 7(1), 1–8. https://doi.org/https://doi.org/10.25134/ijsm.v7i1.8710

Cahyani, P. T., Rizaludin, & Janwari, Y. (2025). Musyarakah Mutanaqisah as a Financing Solution for Working Capital and Productive Property in Islamic Financial Institutions in Indonesia. Mabahits Al-Uqud, 1(2). https://ejournal.uinsgd.ac.id/index.php/aluqud/article/view/1238

Chanda, B. (2024). Evaluating the Contribution of Financial Lending Institutions through Access to Finance, in Achieving Sustainable Growth of Micro, Small and Medium Enterprises (MSMEs) : a Case Study of Kasama District, Northern Province [The University of Zambia]. https://dspace.unza.zm/items/e3d145d1-1c24-40ef-abd5-0427ac473a35

Creswell, J. W. (2010). Research Design: Pendekatan Kualitatif, Kuantitatif dan Mixed, terj. Achmad Fawaid. Yogyakarta: Pustaka Pelajar.

Dora, Y. M., R. Adjeng Mariana F, Z., & Suganda, U. K. (2024). Kolaborasi dan Digital Marketing untuk Keberlanjutan Usaha UMKM Kota Bandung. Jurnal Abdimas Kartika Wijayakusuma, 5(2), 400–408. https://doi.org/10.26874/jakw.v5i2.437

Endang, P., Indah, S., & Aptasyah, M. C. (2022). Implementasi Pembiayaan oleh Lembaga Pengelolaan Dana Bergulir Bagi Pelaku Usaha Mikro, Kecil, dan Menengah di Kota Bandar Lampung. Jurnal Kewarganegaraan, 6(3), 4665–4670. https://doi.org/https://doi.org/10.31316/jk.v6i3.3786

Fadli, F. (2018). Implementasi Produk Pembiayaan Usaha Mikro Kecil Menengah (UMKM) (Studi pada PT. Bank Syariah Mandiri Cabang Pembantu Panyabungan). At-Tijaroh: Jurnal Ilmu Manajemen Dan Bisnis Islam, 4(1), 1. https://doi.org/10.24952/tijaroh.v4i1.1080

Hakim, L. (2021). Manajemen Perbankan Syariah. Duta Media Publishing.

Hasibuan, A. N., & Nofinawati. (2021). Pemahaman Masyarakat Kota Padangsidimpuan tentang Produk Perbankan Syariah. Akademia Pustaka.

Jouti, A. T. (2019). An Integrated Approach for Building Sustainable Islamic Social Finance Ecosystems. ISRA International Journal of Islamic Finance, 11(2). https://doi.org/https://doi.org/10.1108/IJIF-10-2018-0118

Khayat, A. A. N., Wargo, & Niskaromah. (2025). A Literature Review on Risk Management in Mudharabah and Musyarakah Financing Products within the Context of Islamic Banking. Zabags International Journal of Economy, 3(2). https://doi.org/https://doi.org/10.61233/zijec.v3i2.116

Kusmawati, R., Masturoh, Pratama, A. R., Maulana, A. A., & Asytuti, R. (2022). Implementasi Produk Pembiayaan UMKM di BSI KCP Kajen Pekalongan. Jurnal Manajemen Dan Perbankan Syariah, 4(1). https://doi.org/https://doi.org/10.35905/banco.v4i1.2548

Legass, H. A., & Ahmed, H. S. (2024). Islamic Financial Products and Their Contribution to the Growth of SMEs in Hargeisa, Somaliland. Sharia Oikonomia Law Journal, 2(4). https://doi.org/https://doi.org/10.70177/solj.v3i1.1697

Madrianah, M., Kausar, A., Muchsidin, F. P., & Verawaty, V. (2023). Pengaruh E-Commerce terhadap Pendapatan UMKM yang Bermitra Gojek dalam Masa Pandemi Covid-19 di Kota Makassar. JEMMA (Journal of Economic, Management and Accounting), 6(1), 34. https://doi.org/10.35914/jemma.v6i1.1659

Manap, A., Mustangin, Rini Yulia Sasmiyati, Norman Edy, & Zainuddin. (2024). Analysis Of The Influence Of Tax Officer Services, Sanctions For Tax Negligence, And Awareness Of Paying Tax On Taxpayer Compliance. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 10(2). https://doi.org/10.35870/jemsi.v10i2.2344

Moleong, L. J. (2014). Metode Penelitian Kualitatif. PT Remaja Rosdakarya.

Mongkito, A. W., Putra, T. W., Imran, M., Novita, K., & Ansar, A. N. (2021). Implementasi Pembiayaan Kredit Usaha Rakyat (KUR) Mikro Syariah dalam Pengembangan Usaha Mikro. Robust: Research of Business and Economics Studies, 1(1). https://doi.org/10.31332/robust.v1i1.2886

Muchau, R. N. (2013). The Effect of Mentorship Program on Business Performance Amongst Micro, Small and Medium Enterprises (MSME) in Nairobi County [University of Nairobi]. https://erepository.uonbi.ac.ke/handle/11295/59836

Muntashir, A. H., & Cupian, C. (2024). Analisis Faktor-Faktor yang Memengharuhi NPF Pembiayaan UMKM di Perbankan Syariah Periode 2019-2022. Ekonomis: Journal of Economics and Business, 8(1). https://doi.org/10.33087/ekonomis.v8i1.1268

Nirwana, R., Anizar, S., & Bintari, E. S. (2025). Akuntansi untuk Umat : Peran Pengetahuan Akuntansi Pesantren dalam Akuntabilitas Keuangan. Aktiva Journal of Accounting and Management, 3(1). https://www.researchgate.net/publication/391196964

Nuryakin, R. A., Jumiati, E., Solihin, A., Saefuddin, A., & Rahayu, W. (2025). Pembiayaan Melalui Fintech Syari’ah Sebagai Upaya Pengembangan UMKM di Era Keuangan Digital. Journal of Islamic Economics Ad Diwan, 4(2). https://doi.org/https://doi.org/10.51192/ad.v4i2.1288

Octavianni, D. P., & Fitri, A. O. (2025). Analisis Tantangan dan Solusi Pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM) oleh Bank Syariah Indonesia. JIIC: JURNAL INTELEK INSAN CENDIKIA, 2(5). https://jicnusantara.com/index.php/jiic/article/view/3349

Putri, M. (2021). Kebijakan Moneter dan Fiskal : Studi Kasus pada Krisis Ekonomi Global. SSRN Electronic Journal, 3(1), 38–55. https://circle-archive.com/index.php/carc/article/view/187

Ramadhani, D. C., & Hana, K. F. (2024). UMKM Naik Kelas : Pengembangan Melalui Digital Marketing dan Sikap Kewirausahaan Islam. Fokus Bisnis Media Pengkajian Manajemen Dan Akuntansi, 23(1). https://doi.org/10.32639/fokbis.v23i1.751

Sahu, B., & Mani, S. (2025). A Qualitative Study on Access to Finance Challenges Faced by MSMEs Entrepreneurs. International Journal of Environmental Sciences, 11(4). http://theaspd.com/index.php/ijes/article/view/630

Saifurrahman, A., & Kassim, S. H. (2024). Regulatory Issues Inhibiting the Financial Inclusion: A Case Study among Islamic Banks and MSMEs in Indonesia. Qualitative Research in Financial Markets, 16(4). https://doi.org/https://doi.org/10.1108/QRFM-05-2022-0086

Setyawati, A., & Rahma, A. (2022). Manajemen Pemasaran di Era Bisnis yang Serba Cepat. Media Nusa Creative.

Sirait, E., Sugiharto, B. H., Abidin, J., Padang, N. S., & Eka, J. (2024). Peran UMKM dalam Meningkatkan Kesejahteraan Perekonomian di Indonesia. 5(7), 3816–3829. https://journal-laaroiba.com/ojs/index.php/elmal/article/download/4160/3486/25618

Sugiyono. (2019). Metode Penelitian Pendidikan (Pendekatan Kuantitatif, Kualitatif, dan R&D). Alfabeta.

Suwendra, W. (2018). Metodologi Penelitian Kualitatif dalam Ilmu Sosial, Pendidikan, Kebudayaan. Nila Cakra.


Explore Our Journals
Find the most suitable journal for your research. If this journal does not fully align with the scope of your manuscript, we invite you to explore our wider portfolio of journals covering diverse fields of study. Please select one of the journals below to identify the most appropriate publication platform for your work.