Kontribusi Perbankan Syariah terhadap Permodalan UMKM Selama Pandemi Covid-19

Abstract

Islamic banks as one of the MSME stakeholders, must participate in helping and resurrecting MSMEs so that they can grow and develop like their normal conditions. This research uses a descriptive approach by using secondary data from Islamic banking statistics during the COVID-19 period (March 2020 to February 2022. Data analysis used reduction, display, and descriptive analysis techniques. The results showed that the role of Islamic banks during the COVID-19 pandemic was manifested in three ways, namely 1) as a distributor of assistance from the government, 2) providing financing restructuring, and 3) encouraging increased financing for MSMEs. The development of Islamic bank financing during the COVID-19 pandemic was relatively stable and even had an average increase compared to the pre-covid-19 period. The increase in working capital financing was by 21%, while the average investment financing increased by 31.72%. The NPF ratio of Islamic banks during the COVID-19 pandemic on a monthly average was above the maximum standard set by Bank Indonesia for this type of working capital financing, which was 5.05%. On the other hand, the NPF ratio of working capital financing above 5% also occurred 15 times in 24 months of observation. Meanwhile, the NPF ratio for investment financing during the COVID-19 period was, on average, below Bank Indonesia's standard of 4.05%. However, in certain months it shows that the NPF ratio for investment financing is still above 5%. This must be a concern because Islamic banks are considered not to apply the principle of prudence in providing financing.

Analysis of Financing Strategy in the Era and Post COVID-19 (Case Study of PT. Mandiri Tunas Finance)

“…Therefore, customers cannot pay their obligations to the bank, which causes non-performing loans to increase (Mehmood & Luca, 2023). The NPF value is part of the indicator of the health of bank and non-bank financial institutions (Zahrotun Nihayah and Hanafir Rifqi 2022). Corporate Credit SME, Moh.…”

Pemberdayaan Ekonomi Kelompok Pkk Pedesaan Melalui Pengembangan Usaha Kuliner Lokal

“…Beberapa kendala kerap dihadapi para pelaku usaha kecil dalam menjalankan usaha skala rumah tangga. Permodalan (Nihayah & Rifqi, 2022;Rudiyanto, 2022;Sailendra et al, 2020) dan distribusi hasil produksi (Adidarma, 2015;Ridwan et al, 2019) merupakan kendala bagi pelaku usaha kecil yang belum dapat terselesaikan secara optimal. Meskipun beragam kendala dirasakan pelaku usaha kecil, namun semangat untuk tetap menjalankan usaha tetap terjaga.…”

Bantuan Sosial, Pembiayaan Modal Kerja Dan Kinerja Umkm: Peran Moderasi Entreprenurial Resiliency

“…Modal kerja adalah dana yang digunakan untuk membiayai operasional sehari-hari suatu usaha, seperti pembelian bahan baku, pembayaran gaji karyawan, dan pengeluaran rutin lainnya (Nihayah & Rifqi, 2022). Bagi usaha kecil, pembiayaan modal kerja dapat menjadi faktor kritis untuk kelangsungan operasional dan pertumbuhan bisnis.…”