The Potential of Sharia Pawnshops in Promoting Financing of Micro, Small and Medium Enterprises (Umkm) in South Sulawesi
Abstract
This study aims to find out how the potential of sharia pawnshops in encouraging the financing of Micro, Small and Medium Enterprises (MSMEs). The type of research used is a qualitative research method. The processed data is the result of interviews with sharia pawnshop employees in South Sulawesi. Data collection methods in this study are interviews, observation, Documentation Studies in which the authors go directly to see the conditions in the field. The results of this study indicate that the advantages of Islamic pawnshops in financing the MSME sector are: government owned, credit insurance, the process is easy, min -3 working days, guidance to customers but there are some things that need to be considered for MSME actors, namely they cannot take financing at sharia pawnshops when their business does not yet have a business license from the government and also there is no bookkeeping of the business being run so that the sharia pawnshop has difficulty in providing capital to MSMEs.
Full Text:
PDFReferences
Al-Quran and translation Astuti, DI, Budiman, MA 2020. The Role of Financing Arrum Sharia Pawnshops Against Micro Business Development in Banjarmasin. Journal of Islamic Economics, Business and Finance. Vol.10. No. 2. Apriati, IH The Role of Pawnshops To Distribution of Funds to Micro, Small and Medium Enterprises (MSMEs) (Mataram. 2019).
Fathurrahman, A., Fadilla, J. 2019. Role of Sharia Banking Against Capital Development for Micro, Small and Medium Enterprises (MSMEs). Journal of Islamic Economics and Business. Vol. 5.No. 1.
Fuad, M., Trianna, M. 2018. Analysis of the Role of Financing by Pegadaian Syariah for MSME Development. Journal of Islamic Economics. Vol.3. No. 2.
Halim, A. 2020. The Influence of Micro, Small and Medium Enterprise Growth To Regency Economic Growth Mamuju. Journal of Scientific Development Economics. Vol.1. No.2.
Harmar, et al., 2021. The Role of Sharia Banking in MSMEs for Developing the Indonesian Economy. Journal of Economics and Banking Studies Vol.5. Number 1.
Harisah and Romaji. 2021. The Role of Financial Institutions Micro Sharia in the Middle Deep Indonesian Covid-19 Pandemic Embracing Micro, Small and Medium Enterprises (MSMEs). Madani Sharia Journal. Vol.4. Number 1.
Himami, F. 2020. Mechanism Sharia Pawn (Rahn) on BMT-UGT Sidogiri. Journal of Sharia Economics, Finance and Banking. Vol.4. No. 2. Kamarni, L., Handra, H. 2019. Request MSME Financing To Sharia Banking in West Sumatra. Journal of Islamic Economic Studies. Vol.4. No.2.
Latifah, L., Subagyo, J. 2020. History of Islamic Bank Embryos. Journal of Sharia Banking and Sharia Economics. Vol.2. No.2.
Manahaar, P. 2019. Implementation of Sharia Pawn (Rahn) to support the economy of the Indonesian Society. Journal of Business and Investment Law. Vol.10. No. 2.
Marlina, L., Rahmat, BZ 2018. The Role of Sharia Financial Institutions in Implementing Inclusive Finance for Tasikmalaya MSME Players. Journal Ecodemica. Vol.2. No. 1.
Muttaqin, HM, et al. 2020. Role of Internal Sharia Banking Encouraging Micro, Small and Medium Enterprises During the Covid-19 Pandemic. Journal of Islamic Economics and Business Studies. Vol.3. Number 1.
Nugroho, L., Tamala, D. 2018. Perception of MSME Entrepreneurs on the Role of Sharia Banks. Journal of Financial Information Systems, Auditing and Taxation Vol.3. Number 1. Pramudya, FN Influence Quality Products and Quality Service To Customer Satisfaction In Financing Ar-Rum at Sharia Pawnshop. (Lampung 2019).
Putri, S. 2021. The Role of Sharia Financing in MSME Development in Indonesia. Journal of Sharia Economics. Vol.1. No.2
Rosidi, A., Prastyo, H., Zusrony, E. 2021. Role of Internal Sharia Banking Empowerment of MSMEs as Effort Enhancement Quality Life of the People of Salatiga City. Journal of Islamic Economic Sciences. Vol.7. No.2.
Surepno, 2018, Study Implementation Contract Rahn (Sharia Pawn) in Sharia Financial Institutions. Journal of Sharia Economic Law. Vol.1. No. 2.
Saputri and Dewi, RK . 2020. Influence Income To Financing Pawn (Rahn) at Way Halim Sharia Pawnshop 2016-2018. Journal Business And Accounting The elements . Vol.5. No. 2.
Setiawan, 2021. MSME Financing, Sharia Bank Performance and Economic Growth in Indonesia. Journal of Thought and Development Sharia Banking. Vol.6. No.2.
Sudirman, et al., 2021. Study of Sharia Banking Development Program Based on Integration The Role of Sharia Banks for Sharia Sector MSME Real. Journal of Islamic Economic Sciences. Vol.7. No. 2.
Sulistiyaningsih and Azkar, ST. 2021. Potential of Indonesian Sharia Bank (BSI) in Effort Enhancement National Economy. Journal of Thought and Reform of Islamic Law. Vol.24. Number 1.
Suretno, S and Bustam. 2020. The Role of Sharia Banks in Increasing National Economy Through Working Capital Financing in MSMEs. Journal of Islamic Economics and Business. Vol.3. Number 1.
Zunaidi, A. 2021. Improving Understanding Society About the Role of Sharia Pawnshops Making the National Economic Recovery Program a Success During the Covid 19 Pandemic. Pangabdhi Scientific Journal. Vol.7. No. 2.
DOI: https://doi.org/10.26618/jei.v7i2.16319
Refbacks
- There are currently no refbacks.
Copyright (c) 2024 Syahidah Rahmah, Muh. Sigit