Pemberdayaan Usaha Mikro, Kecil dan Menengah (UMKM) Melalui Pembiayaan dengan Skema Bagi Hasil oleh Lembaga Keuangan Syariah

Abstrak

This article is stated to describe micro, small and medium enterprises (SMEs), through the financing within profit sharing of the principal of Syariah financial institution. The background of the  micro, small and medium enterprises (SMEs), is due to have high ability to absorb labor market in 97.3% from the total of labor. The role of micro, small and medium enterprises (SMEs) in the reality have difficulties with some factors, which one of the factors is the capital issues. Whereas, Syariah financial institution with the profit sharing principal is expected to be ideal solution, because the financing uses the profit sharing principal. Based on the phenomenon above, it is needed to have assessment on few point areas, firstly: implementation of financing on Syariah financial institution related to the profit sharing principal is assumed to be ideal solutions for micro, small and medium enterprises (SMEs). Secondly; related  to  the factors  that  become the barrier on  implementation  of  Syariah financial institution with the point of profit sharing principal and the Thirdly;  related to right solution to overcome the resistance factor in the implementation of Syari’ah  financial institutions on the subject for precise results