Peran Bank Syariah dalam Meningkatkan Kesejahteraan UMKM Masyarakat Desa Bungaraya (Studi Kasus: BSI KCP Siak, Kecamatan Siak, Kabupaten Siak, Provinsi Riau) The Role of Islamic Banks in Improving the Welfare of UMKM in the Bungaraya Village Community (Case Study: BSI KCP Siak, Siak District, Siak Regency, Riau Province)
Article Sidebar
Page Numbers:
3026-3047
Digital Object Identifier:
10.58578/arzusin.v6i4.10114
Viewed: 56 times
Downloaded: 33 times
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
Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.
Authors:
Shally Julianingsih1*, Sandra Dewi2 
Copyright :
Authors retain copyright and grant the journal right of first publication.
Main Article Content
Abstract
The role of Islamic banks in improving the welfare of micro, small, and medium enterprises (MSMEs) in rural communities has received attention in various studies, but research specifically examining the role of Islamic banks in the welfare of MSME actors in Bungaraya Village, Bungaraya Subdistrict, Siak Regency, Riau Province remains limited. This study aims to analyze the role of Islamic banks in improving the welfare of MSMEs in Bungaraya Village and to identify the barriers faced by the community in accessing Islamic banking services. This study used a qualitative approach with a case study design, involving 10 MSME informants selected through purposive sampling. Data were collected through observation, semi-structured interviews, documentation, and field notes, and were then analyzed using the interactive analysis technique of Miles and Huberman, which includes data reduction, data display, and conclusion drawing. The results showed that Islamic banks play an important role in assisting business capital, increasing production capacity, and supporting the economic stability of MSME actors through sharia-based financing. In addition to providing economic benefits, Islamic banking services also provide a sense of security and peace of mind because transactions are carried out in accordance with Islamic principles. However, the use of Islamic banking services still faces barriers in the form of low Islamic financial literacy, limited access to services, minimal product socialization, and the public perception that sharia financing procedures are more complicated than those of conventional institutions. The conclusion of this study affirms that Islamic banks have a strategic role in supporting the welfare and economic empowerment of rural MSMEs. These findings contribute to the development of Islamic economics studies and sharia-based community empowerment, while also providing practical implications regarding the importance of strengthening Islamic financial literacy and inclusion among rural communities.
Downloads
Article Details
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
Creswell, J. W., & Creswell, J. D. (2018). Research design: Qualitative, quantitative, and mixed methods approaches (5th ed.). SAGE Publications.
Creswell, J. W., & Poth, C. N. (2018). Qualitative inquiry and research design: Choosing among five approaches (4th ed.). SAGE Publications.
Fauzia, I. Y., & Riyadi, A. K. (2014). Prinsip Dasar Ekonomi Islam: Perspektif Maqashid al-Syariah. Kencana.
Habibi, M., & Diah, Y. M. (2022). Peran Perbankan Syariah dalam Penguatan Sektor Riil dan Pemerataan Ekonomi Masyarakat. Jurnal Ekonomi Syariah, 7(2), 115–128.
Ichsan, N. (2016). Akad Bank Syariah. Asy-Syir’ah: Jurnal Ilmu Syari’ah dan Hukum, 50(2), 399–423. https://doi.org/10.14421/ajish.v50i2.237
Idri. (2023). Hadis Ekonomi: Ekonomi dalam Perspektif Hadis Nabi (2nd ed.). Kencana.
Lincoln, Y. S., & Guba, E. G. (2013). The constructivist credo. Left Coast Press.
Mannan, M. A. (1997). Islamic economics: Theory and practice. Ashraf.
Mardikanto, T., & Soebiato, P. (2013). Pemberdayaan Masyarakat dalam Perspektif Kebijakan Publik. Alfabeta.
Marshall, C., & Rossman, G. B. (2016). Designing qualitative research (6th ed.). SAGE Publications.
Miles, M. B., Huberman, A. M., & Saldaña, J. (2020). Qualitative data analysis: A methods sourcebook (4th ed.). SAGE Publications.
Moleong, L. J. (2021). Metodologi Penelitian Kualitatif (Edisi revisi). PT Remaja Rosdakarya.
Mubarok, H. K., Rifai, M., & Rahman. (2023). Peranan Penting UMKM untuk Menopang Stabilitas Keuangan dan Perekonomian Nasional. Promosi: Jurnal Program Studi Pendidikan Ekonomi, 11(2), 262–278. https://doi.org/10.24127/pro.v11i2.9102
Muhadjirin. (2017). Peranan Bank Syariah dalam Mengembangkan Usaha Mikro Kecil dan Menengah. Al-Ittihad: Jurnal Pemikiran dan Hukum Islam, 3(1), 71–84. https://e-journal.stisbima.ac.id/index.php/ittihad/article/view/15
Patton, M. Q. (2015). Qualitative research & evaluation methods (4th ed.). SAGE Publications.
Putri, R. A. (2021). Kontribusi Pembiayaan Syariah terhadap Pengembangan UMKM di Indonesia. Jurnal Ekonomi Islam, 12(1), 45–58.
Saldaña, J. (2021). The coding manual for qualitative researchers (4th ed.). SAGE Publications.
Sinaga, R., Hutapea, A., & Siregar, M. (2024). Perkembangan Ekonomi Digital dan Kebutuhan Pembiayaan UMKM di Indonesia. Jurnal Ekonomi dan Bisnis Digital, 3(1), 55–67.
Sugiyono. (2022). Metode Penelitian Kualitatif, Kuantitatif, dan R&D (Edisi revisi). Alfabeta.
Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 tentang Perbankan Syariah. (2008). Lembaran Negara Republik Indonesia Tahun 2008 Nomor 94. https://peraturan.bpk.go.id/Home/Details/39655/uu-no-21-tahun-2008
Yin, R. K. (2018). Case study research and applications: Design and methods (6th ed.). SAGE Publications.