Implikasi Hukum Ekonomi Syariah terhadap Pengembangan Keuangan Mikro dan Usaha Kecil Menengah
DOI:
https://doi.org/10.69693/jols.v1i2.68Keywords:
Implications, Law, Economy, Sharia, Finance, Micro, Business, Small, MediumAbstract
This study aims to analyze the implications of sharia economic law on the development of microfinance and Small and Medium Enterprises (SMEs) in Indonesia. The focus of this study is to identify the application of sharia principles in microfinance, examine the challenges faced by SMEs in accessing sharia financial services, and explore the potential and opportunities of sharia microfinance in supporting SME development. This study uses a qualitative method with a case study approach. Data were collected through in-depth interviews with SMEs, sharia financial practitioners, and sharia financial institutions, and supported by analysis of related literature. The results of the study indicate that the application of sharia economic law in microfinance has a positive impact on SMEs, especially in terms of financial inclusiveness and economic justice. However, there are several challenges that still need to be overcome, such as low sharia financial literacy and limited access to sharia financial institutions, especially in rural areas. The potential of sharia microfinance as a tool for empowering SMEs is very large, but requires adequate regulatory and infrastructure support. This study concludes that with increased literacy, access, and appropriate regulation, sharia microfinance can be a strategic solution to accelerate the growth of SMEs in Indonesia.
Downloads
References
Abas, M., Sunarto, S., Sudrajat, A. S. S. N. S., Jumali, E., Qurtubi, A. N., Baroroh, H., Adisaputra, A. K., Ambulani, N., & Anam, M. (2023). Hukum Ekonomi Syari’ah. PT. Sonpedia Publishing Indonesia.
Ahmed, H. (2002). Financing microenterprises: An analytical study of Islamic microfinance institutions. Islamic Economic Studies, 9(2).
Ascarya, A. (2012). Alur Transmisi Dan Efektifitas Kebijakan Moneter Ganda Di Indonesia. Bulletin of Monetary Economics and Banking, 14(3), 283–315.
Chapra, M. U. (1992). Islam and the economic challenge (Issue 17). International Institute of Islamic Thought (IIIT).
Faris, N., & Winario, M. (2024). Perlindungan Konsumen Dalam Perbankan Syariah: Perspektif Hukum Ekonomi Syariah. Multidisciplinary Journal of Religion and Social Sciences, 1(1), 29–39.
Gultom, S. A., Pandapotan, P., Majid, M. S. A., Marliyah, M., & Handayani, R. (2022). Tantangan Regulasi Keuangan Bagi Perkembangan Perbankan Islam. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(5), 1309–1326.
Hasan, R., Hassan, M. K., & Aliyu, S. (2020). Fintech and Islamic finance: Literature review and research agenda. International Journal of Islamic Economics and Finance (IJIEF), 3(1), 75–94.
Kachkar, O. A. (2017). Towards the establishment of cash waqf microfinance fund for refugees. ISRA International Journal of Islamic Finance, 9(1), 81–86.
Obaidullah, M. (2008). Role of microfinance in poverty alleviation: Lessons from experiences in selected IDB member countries. Mohammed Obaidullah, Role of Microfinance in Poverty Alleviation: Lessons from Experiences in Selected IDB Member Countries, Islamic Development Bank.
Seibel, H. D. (2008). Islamic microfinance in Indonesia: The challenge of institutional diversity, regulation, and supervision. SOJOURN: Journal of Social Issues in Southeast Asia, 23(1), 86–103.
Ulfi, I. (2020). Tantangan dan peluang kebijakan non-tunai: Sebuah studi literatur. Jurnal Ilmiah Ekonomi Bisnis, 25(1), 55–65.
Vinatra, S. (2023). Peran Usaha Mikro, Kecil, dan Menengah (UMKM) dalam Kesejahteraan Perekonomian Negara dan Masyarakat. Jurnal Akuntan Publik, 1(3), 1–8.
Winario, M., & Fuaddi, H. (2020). Penerapan Fatwa DSN MUI pada Pembiayaan Murabahah BPRS Hasanah Pekanbaru. Islamic Business And Finance, 1(2).
Winario, M., Irawati, I., Hasgimianti, H., & Susanti, E. (2020). Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 3(1), 16–38.
