Abstrak: Artikel yang berjudul Analisis Pemberdayaan Usaha Mikro Kecil dan Menengah (UMKM) Melalui Akad Qardh Al-Hasan pada Mini Bank Syariah IAIN Ponorogo ini diperoleh berdasarkan hasil dari penelitian kualitatif deskriptif yang bertujuan menganalisis model pemberdayaan UMKM pada nasabah yang melakukan pembiayaan Qard Al-Hasan pada mini bank syariah IAIN Ponorogo. Hasil penelitian yang diperoleh adalah bahwa pemberdayaan UMKM yang dilakukan oleh Mini Bank Syariah IAIN Ponorogo untuk meningkatkan perkembangan bisnis nasabah Qard al-Hasan dengan tiga bentuk pemberdayaan diantaranya pemberian pinjaman dana, pengawasan pinjaman dan pendampingan usaha yang mana dijalankan secara langsung oleh mahasiswa yang melakukan praktikum dan dilaksanakan selama enam bulan. Berdasarkan hasil penelitian ini, diperoleh hasil bahwa terdapat peningkatan perkembangan bisnis milik para nasabah yang melakukan pinjaman melalui Akad Qard Al-Hasan. Peningkatan bisa dilihat dari beberapa faktor, diantaranya kenaikan pada omzet penjualan, meningkatnya jumlah serta variasi barang yang diperjualbelikan serta semakin lengkapnya peralatan usaha dagang. Tujuan dari pemberdayaan UMKM yang telah dilakukan oleh pihak Mini Bank Syariah IAIN Ponorogo sudah tercapai sebagimana mestinya yaitu membantu masyarakat dalam mengembangkan usaha UMKM-nya dengan memberikan fasilitas penyediaan dana untuk memenuhi kebutuhan pihak-pihak yang membutuhkan dana dan turut serta dalam membantu memasarkan produk. Maka dari itu disarankan bagi pihak Mini Bank Syariah IAIN Ponorogo untuk memberikan tambahan program pemberdayaan seperti pelatihan, edukasi maupun penyuluhan mengenai pengemasan produk, branding dan marketing produk. Sehingga benar-benar bisa memberikan skill tambahan bagi nasabah agar mereka bisa secara mandiri memperbaiki perekonomiannya. Kata Kunci: Pemberdayaan; UMKM; Qardh al-Hasan. Abstract: The article entitled Analysis of Micro, Small and Medium Enterprises Empowerment (UMKM) Through the Qardh Al-Hasan Agreement at the Mini Islamic Bank IAIN Ponorogo was obtained based on the results of a descriptive qualitative study aimed at analyzing the model of UMKM empowerment in customers who financed Qard Al-Hasan on mini Islamic bank IAIN Ponorogo. The results obtained are that the empowerment of UMKM is carried out by the Mini Syariah Bank IAIN Ponorogo to improve the business development of Qard al-Hasan customers with three forms of empowerment including the provision of loan funds, loan supervision and business assistance which are carried out directly by students who do practicum and carried out for six months. Based on the results of this study, it was found that there was an increase in the business development of customers who made loans through the Qard Al-Hasan Agreement. The increase can be seen from several factors, including the increase in sales turnover, the increasing number and variety of goods traded and the more complete trading business equipment. The purpose of empowering UMKM that has been carried out by the Mini Syariah Bank IAIN Ponorogo has been achieved as it should, namely helping the community in developing their UMKM business by providing facilities for providing funds to meet the needs of parties who need funds and participating in helping market products. Therefore, it is recommended for the Mini Bank Syariah IAIN Ponorogo to provide additional empowerment programs such as training, education and counseling regarding product packaging, branding and product marketing. So that it can really provide additional skills for customers so that they can independently improve their economy. Keywords: Empowement; UMKM; Qardh Al-Hasan.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
customersupport@researchsolutions.com
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.