PRODUK KEGIATAN USAHA PERBANKAN SYARIAH DALAM MENGEMBANGKAN UMKM DI ERA MASYARAKAT EKONOMI ASEAN (MEA)

Abstract

Economic life is at frst simple. Activities of production, consumption
and distribution is very simple. Along with the times, human
population increased so that the economic activities also increased.
One of government efforts to welcome the Syariah Economic
Community and improve the performance of Micro, Small and
Medium Enterprises is their growth of conducive business climate
conducted by the central government and local governments to
establish legislation and policy. The problem often faced by each
UMKM is not apart from the need for funds to fnance their business.
To meet their needs, almost all UMKM utilized banking like the
Islamic bank. Islamic bank is a fnancial institution that serves
as an intermediary for the excess funds to parties who lack funds
for operations and other activities in accordance with Islamic law
that funds in the form of fnancing, such as mudaraba fnancing,
Musharaka fnancing and murabaha fnancing. Financing has
been distributed by Islamic banks to contain the risk of congestion
callable, so it can affects the bottom line.