Peranan Perbankan Syariah Terhadap Pengembangan Modal Usaha Mikro, Kecil dan Menengah (UMKM)
Keywords:
Capital Development, Mentoring, Services, Accessibility, Financing Products
Abstract
This study aims to analyze the role of Islamic banking toward the development of Micro, Small and Medium Enterprises (MSMEs) capital in Yogyakarta. This test uses primary data obtained from the distribution of questionnaires with analysis tools using SPSS 20 software. The sampling method in this study used purposive sampling where 100 samples were selected according to the research criteria. In this study using the sample criteria with microfinance customers in Islamic banking in Yogyakarta. The data analysis technique in this test is multiple regression analysis. So, the results obtained in this test show that the variables of assistance, accessibility, and financing products have a positive and significant effect on capital development. However, the service variable does not have a positive and significant effect on MSMEs’ capital development in Yogyakarta.
References
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Saud, Ilham Maulana, Iman Teguh, and Peni Nugraheni. 2018. “Analisis Faktor Yang Mempengaruhi Perilaku Nasabah Perbankan Konvensional Beralih Ke Perbankan Syariah (Studi Empiris Pada Mahasiswa Perguruan Tinggi Di DIY).” InFestasi (Jurnal Bisnis Dan Akuntansi) 14(2):133–145.
Suhartanto, Dwi, Christopher Gan, Ira Siti Sarah, and Setiawan Setiawan. 2019. “Loyalty towards Islamic Banking: Service Quality, Emotional or Religious Driven?” Journal of Islamic Marketing.
Supriyanti, Tufy, and Siti Fatimah. 2018. “Pengaruh Aksesibilitas dan Persepsi Kualitas Pelayanan Terhadap Minat Menabung di Bank Syariah: Studi Pada Anggota Komunitas Difabel Blora Mustika.” Jurnal MD 4(2):231–249.
Syamsulbahri, Darwin. 2018. “UMKM Dalam Perspektif Pembiayaan Inklusif Di Indonesia.” Jurnal Ekonomi Dan Pembangunan 26(01).
Tarmidzi, Mohammad Irsyad. 2019. “Analisis Pengaruh Tingkat Pengetahuan, Aksesibilitas dan Lingkungan Keluarga Terhadap Minat Menabung di Bank Umum Syariah (Studi Kasus Mahasiswa Ilmu Ekonomi Angkatan 2015–2018 Fakultas Ekonomi Dan Bisnis Unversitas Brawijaya).” Jurnal Ilmiah Mahasiswa FEB 7(2).
Veiga, Marcelo Godke, and Joseph A. McCahery. 2019. “The Financing of Small and Medium-Sized Enterprises: An Analysis of the Financing Gap in Brazil European Business Organization Law Review.” European Business Organization Law Review 20.
Widihastuti, Retno, and Hakim Miftahul Huda. 2019. “Aksesibilitas Lembaga Pembiayaan Formal Untuk Pelaku Usaha Mikro Pengolahan Ikan di Kabupaten Gresik.” Jurnal Sosial Ekonomi Kelautan Dan Perikanan 14(2):249–259.
Abror, Abror, Dina Patrisia, Yunita Engriani, Susi Evanita, Yasri Yasri, and Shabbir Dastgir. 2019. “Service Quality, Religiosity, Customer Satisfaction, Customer Engagement and Islamic Bank’s Customer Loyalty.” Journal of Islamic Marketing.
Adrian, Mohammad, and Hendrati Dwi Mulyaningsih. 2017. “Pengaruh Pendampingan Usaha Terhadap Kinerja UMKM (Studi Pada UMKM Peserta Program PUSPA 2016 Yang Diselenggarakan Oleh Bank Indonesia).” in e-Proceeding of Management. Bandung: Universitas Telkom.
Aisyah, Muniaty. 2018. “Islamic Bank Service Quality and It’s Impact on Indonesian Customers’ Satisfaction and Loyalty.” Al-Iqtishad: Jurnal Ekonomi Syariah 10(02).
Ali, Muhammad, and Syed Ali Raza. 2017. “Service Quality Perception and Customer Satisfaction in Islamic Banks of Pakistan: The Modified SERVQUAL Model.” Total Quality Management & Business Excellence 28(5–6):559–577.
Alnaser, F., M. Ghani, S. Rahi, M. Mansour, and H. Abed. 2017. “Determinants of Customer Loyalty: The Role of Service Quality, Customer Satisfaction and Bank Image of Islamic Banks in Palestine.” Int J Econ Manag Sci 6(461):2.
Anggraeni, Lukytawati, Herdiana Puspitasari, Salahuddin El Ayyubi, and Ranti Wiliasih. 2013. “Akses UMKM Terhadap Pembiayaan Mikro Syariah Dan Dampaknya Terhadap Perkembangan Usaha: Kasus BMT Tadbiirul Ummah, Kabupaten Bogor.” Al-Muzara’ah 1(1).
Anon. 2008. Undang-Undang Nomor 20 Tahun 2008 Tentang Usaha Mikro, Kecil, Dan Menengah. Republik Indonesia.
Bank Sentral Republik Indonesia, and Lembaga Pengembangan Perbankan Indonesia. 2015. Profil Usaha Mikro, Kecil, Dan Menengah (UMKM). Jakarta: Bank Indonesia.
Basuki, Agus Tri, and Imamudin Yuliadi. 2015. Electronic Data Processing (SPSS 15 Dan Eviews 7). Yogyakarta: Danisa Media.
Delima, Mustika, and Metti Paramita. 2019. “Analisis Kemudahan Akses Terhadap Kepercayaan Masyarakat Pada Bank Syariah (Studi Bank BRI Syariah KCP Palabuhanratu).” Nisbah: Jurnal Perbankan Syariah 5(1):75–82.
Diana, Rita. 2019. “Analisis Aksesibilitas Permodalan Mikro Kecil Pada Lemabag Formal Di Provinsi Sumatera Barat.” Jurnal Ekonomi Dan Pembangunan 27(01).
Faisol. 2017. “Islamic Bank Financing and It’s Impact on Small Medium Enterprise’s Performance.” Etikonomi 16(01).
Feyisa, Bizuayehu Daba, and Kaleb Amanu Tamene. 2019. “The Roles of Micro and Small Enterprises in Empowering Women: The Case of Jimma Town, Ethiopia.” International Journal of Multicultural and Multireligious Understanding 06(02).
Janahi, Mohamed Abdulnaser, and Muneer Mohamed Saeed Al Mubarak. 2017. “The Impact of Customer Service Quality on Customer Satisfaction in Islamic Banking.” Journal of Islamic Marketing.
Muhammad. 2014. Manajemen Bank Syariah. Yogyakarta: UPP STIM YKPN.
Muhammed, A. M., Irwan Shahrinaz, K. J. Ali, Jennifah Nordin, and Shamshul Anaz Kassim. 2017. “Does Religions and Service Quality Determine Customers’ Preference in Selecting Islamic Bank?” ICOPS2017 EProceedings 833.
Mukaffi, Zaim, Ahmad Sidi Pratomo, and Muhammad Nanang Choiruddin. 2016. “Pengaruh Kualitas Pelayanan Perbankan Syariah Terhadap Kepuasaan Nasabah.” El-Dinar 04(02).
Muna, Muhammad Afif Nailal, and Amin Kuncoro. 2016. “Produk Bank Syariah Sebagai Upaya Untuk Meningkatkan Loyalitas Nasabah KSPS Pati.” Equilibrium: Jurnal Ekonomi Syariah 04(01).
Nugroho, Lucky, and Dewi Tamala. 2018. “Persepsi Pengusaha UMKM Terhadap Peran Bank Syariah, Sikap.” Sistem Informasi, Keuangan, Auditing Dan Perpajakan (SIKAP) 03(01).
Nurhabibilah, Ihsan, Neneng Nurhasanah, and Nanik Eprianti. 2018. “Pengaruh Pendampingan Program PUSPA Terhadap Minat UMKM Syariah Dalam Pengajuan Pembiayaan Ke Perbankan Syariah.” in Prosiding Hukum Ekonomi Syariah. Bandung: Universitas Islam Bandung.
Purnamasari, Femei, and Arif Darmawan. 2017. “Islamic Banking and Empowerment of Small Medium Entreprise.” Etikonomi 16(02).
Rini, Hana Zunia. 2017. “Peran Perbankan Syariah Terhadap Eksistensi Umkm Industri Rumah Tangga Batik Laweyan.” Academica 01(01).
Saleh, Md Abu, Ali Quazi, Byron Keating, and Sanjaya S. Gaur. 2017. “Quality and Image of Banking Services: A Comparative Study of Conventional and Islamic Banks.” International Journal of Bank Marketing.
Saud, Ilham Maulana, Iman Teguh, and Peni Nugraheni. 2018. “Analisis Faktor Yang Mempengaruhi Perilaku Nasabah Perbankan Konvensional Beralih Ke Perbankan Syariah (Studi Empiris Pada Mahasiswa Perguruan Tinggi Di DIY).” InFestasi (Jurnal Bisnis Dan Akuntansi) 14(2):133–145.
Suhartanto, Dwi, Christopher Gan, Ira Siti Sarah, and Setiawan Setiawan. 2019. “Loyalty towards Islamic Banking: Service Quality, Emotional or Religious Driven?” Journal of Islamic Marketing.
Supriyanti, Tufy, and Siti Fatimah. 2018. “Pengaruh Aksesibilitas dan Persepsi Kualitas Pelayanan Terhadap Minat Menabung di Bank Syariah: Studi Pada Anggota Komunitas Difabel Blora Mustika.” Jurnal MD 4(2):231–249.
Syamsulbahri, Darwin. 2018. “UMKM Dalam Perspektif Pembiayaan Inklusif Di Indonesia.” Jurnal Ekonomi Dan Pembangunan 26(01).
Tarmidzi, Mohammad Irsyad. 2019. “Analisis Pengaruh Tingkat Pengetahuan, Aksesibilitas dan Lingkungan Keluarga Terhadap Minat Menabung di Bank Umum Syariah (Studi Kasus Mahasiswa Ilmu Ekonomi Angkatan 2015–2018 Fakultas Ekonomi Dan Bisnis Unversitas Brawijaya).” Jurnal Ilmiah Mahasiswa FEB 7(2).
Veiga, Marcelo Godke, and Joseph A. McCahery. 2019. “The Financing of Small and Medium-Sized Enterprises: An Analysis of the Financing Gap in Brazil European Business Organization Law Review.” European Business Organization Law Review 20.
Widihastuti, Retno, and Hakim Miftahul Huda. 2019. “Aksesibilitas Lembaga Pembiayaan Formal Untuk Pelaku Usaha Mikro Pengolahan Ikan di Kabupaten Gresik.” Jurnal Sosial Ekonomi Kelautan Dan Perikanan 14(2):249–259.
