Analisis Peran Kontribusi Koperasi Syariah dalam Pengembangan UMKM di Kota Pekalongan
DOI:
https://doi.org/10.59841/jureksi.v1i4.368Keywords:
Sharia Cooperative, UMKM, Pekalongan CityAbstract
Micro, small and medium enterprises (MSMEs) are productive business units that can stand alone and are carried out by individuals or business entities in all economic sectors that have been able to survive amid the economic crisis that has hit since 1997 and have even become a lifeline for the country's economic recovery. In the city of Pekalongan, cooperatives can play an important role in community businesses, such as MSMEs. This is an effort to overcome poverty in society. This research uses a descriptive qualitative approach. The data used in this research is primary and secondary data. Primary data was obtained from interviews with MSMEs in Pekalongan City and secondary data was obtained from various sources, namely from the Central Statistics Agency (BPS), the Financial Services Authority (OJK), journals and articles relevant to research. Sharia cooperatives have products and mechanisms that are based on the Koran and the hadith of the Prophet. In its implementation, the cooperative system is able to provide loans that are far from the interest element which is clearly prohibited by the Shari'a. Cooperatives have various contracts that can guarantee the smooth transaction process for MSMEs that need funds or MSMEs who want to save their funds. From these interviews, the role of cooperatives in terms of MSME capital has great potential. Cooperatives can be a driving force in the growth of the real sector, especially MSMEs. With the presence of cooperatives, it helps the community, especially MSMEs, in realizing and developing their business. Apart from that, cooperative activities do not contain elements of usury, gharar and maysir.
References
Ahmad. (2019). Rasio Profitabilitas: Pengertian, Fungsi, Tujuan, dan Jenis. Gramedia.Com. https://www.gramedia.com/literasi/rasio-profitabilitas/
Antonio, & Syafii, M. (2004). Bank Syariah Dari Teori Ke Praktik. Gema Insani Press.
AsmiyahM, A. A. (2020). Pengaruh Keuangan Mikro Syariah terhadap Kinerja Bisnis Usaha Kecil dan Menengah:Studi Kasus di Klaten,Indonesia. Jurnal Ekonomi DanKeuanganMoneterIslam, 461–478.
Bmt, A., & Jawa, D. I. (2019). Bongaya Journal of Research in Management. 2, 47–56.
Daerah, P. (2023). Peran Mediasi Pertumbuhan Ekonomi pada Pengaruh Desentralisasi Fiskal Pendahuluan. Jurnal Akuntansi Dan Keuangan Kontemporer ( JAKK ), 6(1). https://www.jurnal.stie-aas.ac.id/index.php/jei/article/view/2878/1622
Dan, P., Mikro, U., Menengah, K. D. A. N., Terhadap, U., Keuangan, L., & Syariah, M. (2019). Pembiayaan dan usaha mikro, kecil dan menengah (umkm) terhadap lembaga keuangan mikro syariah (lkms). Jurnal Ekonomi Syariah Dan Filantropi Islam, 3(1), 55–67. https://doi.org/10.22236/alurban
Hutagalung, M. W. R., & Batubara, S. (2021). Peran Koperasi Syariah Dalam Meningkatkan Perekonomian dan Kesejahteraan Masyarakat Di Indonesia. Jurnal Ilmiah Ekonomi Islam, 7(03), 1494–1498.
Ilyas, R., & Pendahuluan, A. (2017). Manajemen Permodalan Bank Syariah. Jurnal Bisnis Dan Manajemen Islam, 5(2), 323–338. https://journal.iainkudus.ac.id/index.php/Bisnis/article/download/3017/2238
Kesehatan, T., & Dan, P. (2007). ANALISIS KINERJA KEUANGAN UNTUK MENGETAHUI PROSPEK USAHA PADA UNIT USAHA KOPERASI ( Studi Kasus Koperasi Awak Pesawat Garuda Indonesia di Tangerang ). JURNAL ILMIAH ILMU MANAJEMEN, 1–15.
Syariah, B. (2017). 136 | Volume. 17. No. 1. Desember 2017. Jurnal Ilmiah Studi Islam, 17(1), 136–158.