Pengaruh Pembiayaan Syariah terhadap Pertumbuhan UMKM di Indonesia

Authors

  • Bastian Ahmadan Universitas Islam Negeri Sumatera Utara Medan
  • Agung Laksono Universitas Islam Negeri Sumatera Utara Medan
  • Reni Ria Armayani Hasibuan Universitas Islam Negeri Sumatera Utara Medan

DOI:

https://doi.org/10.59841/jureksi.v3i3.2959

Keywords:

Islamic Financing, MSMEs, Economic Growth, Mudharabah, Musyarakah, Islamic Economics, Literature Study

Abstract

This research intends to assess the influence of sharia reform on the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, focusing on key sectors that underpin the national economy. This article employs quantitative methods and secondary data acquired via digital literature research to offer the most recent findings from many sources, including OJK publications, Bank Indonesia, and certified scientific journals. The study's results demonstrate that sharia-compliant principles, including mudharabah, musyarakah, and murabahah, substantially enhance the development, prosperity, and strength of MSMEs. Mudharabah, musyarakah, or murabahah substantially enhance the development, prosperity, and strength of MSMEs. This research provides significant insights for the advancement of equitable and sustainable finance within the Indonesian Islamic economic framework.

References

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Asmita, Nila. "PEMBIAYAAN SYARIAH: KONSEP DAN IMPLEMENTASI." Pendas: Jurnal Ilmiah Pendidikan Dasar 10.01 (2025): 221-230.

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Ismail, Khafid, Miftakhur Rohmah, and Diah Ayu Pratama Putri. "Peranan UMKM dalam Penguatan Ekonomi Indonesia." Jurnal Neraca: Jurnal Pendidikan Dan Ilmu Ekonomi Akuntansi 7.2 (2023): 208-217.

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Published

2025-06-25

How to Cite

Bastian Ahmadan, Agung Laksono, & Reni Ria Armayani Hasibuan. (2025). Pengaruh Pembiayaan Syariah terhadap Pertumbuhan UMKM di Indonesia. Journal of Islamic Economics and Finance, 3(3), 134–140. https://doi.org/10.59841/jureksi.v3i3.2959

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