Optimization of Financing Role of Islamic Banks Development of Micro Small and Medium Enterprises (MSME) In Bandar Lampung

  • A. Zuliansyah Faculty of Economics and Business Islamic, State Islamic University Raden Intan Lampung
Keywords: Finance, Islamic Banks, MSMEs

Abstract

The development potential of MSME in Indonesia can not be separated from the support
of banks in lending to MSMEs. MSME loans are loans to borrowers of micro, small and
medium enterprises that meet the definition and criteria of micro, small and medium
enterprises as stipulated in Law No. 20 of 2008 on MSMEs. Under the bill, MSMEs are
productive businesses that meet the criteria of business within certain constraints net
worth and annual sales revenue. This study aims to look at how is the implementation
of Islamic bank financing for the development of MSMEs in the city of Bandar
Lampung. Are the problems faced by Islamic banks in financing to MSMEs in Bandar
Lampung and how efforts can be taken to optimize the Syariahagainst Bank financing
the development of MSMEs in the city of Bandar Lampung. From the results of field
research on MSMEs respondents conclusion that the financing of consumption used for
productive activities can reach ± 40% of the total MSME financing consumption. The
number is obtained by adding the percentage of the use of pure MSME consumer
financing for business activities (28%), for personal purposes which turned out to be used
for business activities (8.7%) and the use of financing for personal use and business
activities or the use of "combined" (3%). Percentage of financing that is in a group of
"combined" with the added consideration that MSMEs often do not separate the use of
financing for private and business purposes. Banks tend to classify the proposed
financing by MSMEs, especially small and micro financing, into financing consumption
with the reason for easier consumer finance bank in the analysis of financing and banks
are better off because of consumer financing interest rate is relatively higher than
financing productive. Moreover, in terms of reporting, particularly in the economic
sector, consumer finance easier clasification, because it will automatically go into the
sector "others".Financing the development of Islamic banking in the development of
MSMEsin Bandar Lampung during the years 2016-2017 has increased to fluctuate. This
reflects that the role of Islamic banking and financing in the improvement of micro, small
and medium enterprises (MSMEs) in the city of Bandar Lampung is not optimal.

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Published
2019-01-23
How to Cite
Zuliansyah, A. (2019). Optimization of Financing Role of Islamic Banks Development of Micro Small and Medium Enterprises (MSME) In Bandar Lampung. JIBER : Journal of Islamic Business and Economic Review, 2(1), 18-33. Retrieved from http://jiber.stebilampung.ac.id/index.php/jiber/article/view/3
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Articles