Indonesian Islamic Bank Financing in Increasing Halal-Based Micro, Small and Medium Enterprises in the Industrial Era 5.0‎

Fitri Ana Siregar, Erwin Saputra Siregar

Abstract

Micro, Small and Medium Enterprises Financing is financing provided by business-based Islamic financial institutions, meaning that the capital is rolled out for working capital. Increased public awareness of halal matter and strong stakeholder support are important factors in the development of the halal industry ecosystem in Indonesia. The Industrial Era 5.0 had an impact on all existing sectors including the economic sector in the form of banking and halal-based business entities. This study discusses Indonesian Islamic Banks in halal-based Micro, Small and Medium Enterprises financing in the industrial era 5.0 which has an impact on the economy in Indonesia. It is based on literature research in the form of reading financial archives, field observations, and analysis results from the financial statements of Bank Syariah Indonesia. This study argues that financing Bank Syariah Indonesia as a provider of capital will increase Halal-based Micro, Small and Medium Enterprises supported by the use of digital media in the era of industrial 5.0.

Keywords

Islamic Banking , Micro, Small and Medium Enterprises, Halal-Based, Industrial Era 5.0‎

Full Text:

PDF

References

Textbooks

Lankshear, C., & Knobel, M, Digital Literacies: Concepts, Policies and Practices. Peter Lang. (Peter Publishing,Newyork,2018): 12. https://books.google.co.id/books?id=doVQq67wWSwC

Rintho Rante Rerung, E-Commerce, Menciptakan Daya Saing Melalui Teknologi Informasi. (Sleman: Deepublish,2018): 5. https://books.google.co.id/books?id=reFUDwAAQBAJ

Veitzal Rivai., &Arfiyan Arifin. Islamic Banking: Sebuah Teori, Konsep dan Aplikasi. (PT Bumi Aksara;2010)

Scientific Journals

A Qoyum dan N.E Fauziah. The Halal Aspect And Islamic Financing Among Micro, Small, And Medium Enterpises (Msmes) In Yogyakarta: Does Berkah Matter? Journal of Islamic Monetary Economics and Finance, 5(1), 2019. https://doi.org/10.21098/jimf.v5i1.1055.

A.H Mumtahana, S. Nita, Pemanfaatan Web Ecommerce untuk Meningkatkan Strategi Pemasaran. Khazanah Informatika: Jurnal Ilmu Komputer Dan Informatika,2017. https://doi.org/10.23917/khif.v3i1.3309.

Antara,dkk. Bridging Islamic Financial Literacy and Halal Literacy: The Way Forward in Halal Ecosystem. Procedia Economics and Finance, 2016. https://doi.org/10.1016/S2212-5671(16)30113-7.

Asril Basry, Essy Malays Sari, Penggunaan Teknologi Informasi dan Komunikasi (TIK) Pada Usah Mikro, Kecil dan Menengeh (UMKM). IKRA-ITH INFORMATIKA : Jurnal Komputer Dan Informatika. Vol.2 No.3, 2018.

Delima Sari Lubis, Pemberdayaan USAHA MIKRO KECIL DAN MENENGAH Melalui Lembaga Keuangan Syariah Sebagai Upaya Pengentasan Kemiskinan Kota Padangsidimpuan. At-Tijaroh, 2(2), 2016.

Erwin Saputra Siregar dan Fitri Ana Siregar, Menakar Potensi Bank Syariah Di Indonesia Pada Masa Covid-19. Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman, 8(2), 2020.

Fitri Ana Siregar dan Khairil Razali, UMKM Participation In Halal Industry: The Legal Framework And Opportunities. Jurnal Ilmiah Islam Futura, 22(1),2022.

Fitri Rusdianasari, Peran Inklusi Keuangan melalui Integrasi Fintech dalam Stabilitas Sistem Keuangan Indonesia. Jurnal Ekonomi Kuantitatif Terapan,2018. https://doi.org/10.24843/JEKT.2018.v11.i02.p10

Florian Königstorfer dan Stefan Thalmann, Applications of Artificial Intelligence in commercial banks – A research agenda for behavioral finance, Journal of Behavioral and Experimental Finance, 2020. https://doi.org/10.1016/j.jbef.2020.100352

Isti Nuzulul Atiah,dkk, Peran Pembiayaan Syariah Terhadap Pengembangan Usaha Mikro Kecil dan Menengah: Studi pada Pengusaha Emping Melinjo di Kabupaten Pandeglang. SYI’AR IQTISHADI Journal of Islamic Economics, Finance and Banking, Vol.4, No.1, 2020.

M. Miller, Can “fintech” innovations impact financial inclusion in developing countries? Private Sector Development World Bank, 2017.

Nila Juniarty,dkk. Faktor-faktor yang Mempengaruhi Deposito Mudharabah Pada Bank Syariah di Indonesia. JEKI: Jurnal Ekonomi & Keuangan Islam,2017.

S.H Lee dan d.w Lee, FinTech - Conversions of Finance Industry based on ICT. Journal of the Korea Convergence Society (2015). https://doi.org/10.15207/jkcs.2015.6.3.097

Soekma Adi Dharmawa, Pengaruh Digitalisasi Perbankan Melalui Selfservice Technology (Sst) Terhadap Perilaku Nasabah Prioritas. UNEJ e-Proceeding.(2018): 572

Online References and Interviews

https://databoks.katadata.co.id/datapublish/2021/12/17/pengeluaran-konsumen-muslim-dunia-terbesar-untuk-makanan-dan-minuman halal#:~:text=Menurut%20laporan%20Indonesia%20Halal%20Markets,fesyen%2C%20rekreasi%2C%20dan%20pariwisata.

https://www.bankbsi.co.id/company-information/reports?tahun=2021&periode =&type=triwulan

https://www.dinarstandard.com/, 2022

DOI: http://dx.doi.org/10.21043/malia.v8i1.25716