The Role of Banking in Micro, Small and Medium Enterprises (Study of BPRS Saruma Financing in the Agriculture and Fisheries Sector)
DOI:
https://doi.org/10.52046/agrikan.v16i1.1591Keywords:
BPRS, Usaha Mikro, Pertanian, PerikananAbstract
Micro, Small and Medium Enterprises (MSMEs) as pillars supporting the Indonesian economy need special attention, including banking financial institutions, because the contribution of the MSME sector to the national economy is quite large. Sharia People's Financing Bank (BPRS) Saruma Sejahtera Halmahera South Regency has carried out all the systems that have been established in accordance with the mandate of law number 21 of 2008 concerning Islamic banking, namely providing financing based on contracts that do not conflict with sharia principles, namely profit sharing that does not harm the party customers include Micro, Small and Medium Enterprises (MSMEs) so that they can run their businesses. BPRS Saruma Sejahtera Halmahera Selatan with a Financial intermediation function can encourage economic activity, because it can lead to a flow of funds from parties who are not productive to those who are productive in managing funds. Furthermore, this will help the economy to become more efficient and dynamic. This research is a qualitative research, it is hoped that it will be able to find out how far the alignment of Islamic banking is in the real sector, namely Micro, Small and Medium Enterprises (MSMEs). The results of this journal research are to find out the basic procedures for analyzing financing or credit from the Saruma Sejahtera Halmahera Selatan Syariah People's Financing Bank to MSME actors, both businesses in the agricultural and fisheries sectors.
References
Abdad, Zaidi. Lembaga Perekonomian Umat di Dunia Islam. Bandung: Angkasa, 2003.
Abdullah, Burhanuddin. Jalan Menuju Stabilitas Pembangunan Ekonomi Berkelanjutan. Jakarta: Pustaka LP3S, 2006.
Afzalurrahman, Muhammad Sebagai Seorang Pedagang, Jakarta: Yayasan Swarna Bhumi, 2000.
Agung, AM. Lilik. Ketika Nurani Ikut Berbisnis. Jakarta: Elex Media Komputindo, 2010.
Ali, Masyhudi. Rekstrukrisasi Perbankan dan Dunia Usaha. Jakarta: PT. Elex Media Komputindo Gramedia, 2006.
Amalia, Euis. Keadilan Distribusi dalam Ekonomi Islam, Penguatan Peran LKM dan UKM di Indonesia. Jakarta: Raja Grafindo Persada, 2009.
Antonio, Muhammad Syafi’i. Bank Syari’ah: dari Teori Ke Praktik, Jakarta: Gema Insani Press, 2001.
Azwir, Dainy Tara. Strategi Membangun Ekonomi Rakyat. Jakarta: Nuansa Madani, 2003.
Abdullah, N dan Uddin M. S. J. “The Effectiveness of Micro Finance Institutions in Alleviating Poverty: The Case of Banglades Grameen Bank and BRAC.†Journal of Social and Developmet Sciences. No. 4 (2013):339-348.
Ademola Noibi, Mubarak. “Islamic Development Bank's Microfinance Support Programme and the Growth of Small Scale Enterprises in Nigeria.†Canadian Social Science. No 2, (2014): 98-107.
Armanu dan I. Misbach. “Islamic Bank Service Quality and Trust: Study on islamic bank in makassar Indonesia.†International Journal of Business and Management. No. 8 (2013): 48-61.
Budiyono, “Pengembangan Ekonomi dan Pemberdayaan Masyarakat Berbasis Kewirausahaan dalam Mendorong Pembangunan Provinsi Maluku Utara.†Makalah pada orasi ilmiah wisuda Magister dan Sarjana Angkatan IX Universitas Muhammadiyah Maluku Utara, 2013.
Badan Kordinasi Penanaman Modal, Potensi Investasi. (BKPM Provinsi Maluku Utara, 2020).
Badan Pusat Statistik, Maluku Utara dalam Angka. Kerjasama (BAPPEDA dan BPS Provinsi Maluku Utara, 2020).
Badan Pusat Statistk, Statistik untuk Eksekutif. (BPS Prov Maluku Utara, 2020).
Bank Indonesia Direktorat Perbankan Syariah.Kamus Istilah Keuangan Dan Perbankan Syariah, Jakarta: tt.
Bank Indonesia, Kajian Ekonomi Regional Provinsi Maluku Utara. (Kantor Perwakilan Bank Indonesia Provinsi Maluku Utara, 2020).
Bank Indonesia, Outlook Perbankan Syariah 2021
Dalel, G and Bessem, T. “Mourabaha Contract and Basis of Islamic Finance.†Interdisciplinary Journal of Contemporary Research in Business. No.4 (2013): 157-161.
Faisal, Ryayaniar Fahmi. “Peran Pembiayaan Bank Syariah dalam Pengembangan Sektor Riil Studi Kasus pada Bank Jatim Syariah Cabang Surabaya.†Artikel Jurnal Universitas Brawijaya. (akses 11 Nopember 2013).
K. A. Khiyar dan El Galfy. “Islamic Banking and Economic Growth: A Review.†Journal of Applied Business Research. No. 28 (2012), 943-955.
Tangke U. 2010. Evaluasi dan Pengembangan Disain Kapal Pole and Line di Pelabuhan Dufa-dufa provinsi Maluku Utara: Jurnal Agribisnis dan Perikanan. 2(1):1-9.
Tangke U. 2010. Perencanaan disain pengelolaan sumberdaya perikanan berbasis sistem informasi manajemen. Agrikan: Jurnal Agribisnis dan Perikanan. 3(1):15–22. DOI: https://doi.org/10.29239/j.agrikan.3.(2):15-22
Tangke U. 2010. Analisis potensi dan tingkat pemanfaatan sumberdaya ikan kuwe (Carangidae sp) di perairan Laut Flores Propinsi Sulawesi Selatan. Agrikan: Jurnal Agribisnis dan Perikanan. 3(2): 31-38. DOI: https://doi.org/10.29239/j.agrikan.
Tangke U. 2010. Ekosistem padang lamun (manfaat, fungsi dan rehabilitasi). Agrikan: Jurnal Agribisnis dan Perikanan. 3(1):1–14. DOI: 10.29239/j.agrikan.4.2.1-14.
Tangke U. 2011. Analisis Kelayakan Usaha Perikanan Tangkap Menggunakan Alat Tangkap Gill Net dan Purse Seine di Kecamatan Leihitu Kabupaten Maluku Tengah Provinsi Maluku. 4(1):1–14.
Tangke, U., Mallawa, A., & Zainuddin, M. 2011. Analisis hubungan karakteristik oseanografi dan hasil tangkapan yellowfin tuna (Thunnus albacares) di perairan Laut Banda. Agrikan: Jurnal Agribisnis Perikanan, 4(2), 1-14. DOI: 29239/j.agrikan.4.2.1-4
Tangke U, Sitkun Deni, M. 2013. Pemetaan daerah penangkapan ikan madidihang (Thunnus albacares) dan ikan cakalang (Katsuwonus pelamis) di Perairan Maluku Utara. Agrikan: Jurnal Agribisnis Perikanan, 6 (Edisi Khusus), 1-17.
Tangke U. 2013. Pengaruh Waktu dan SPL Terhadap Jumlah Hasil Tangkapan Ikan Julung (Hemirhamphus far). Agrikan: Jurnal Agribisnis Perikanan, 6 (2), 1-5.
Tangke, U. 2014. Pemantauan parameter dinamika populasi ikan kembung (Rastrelliger sp) di perairan Pulau Pesisir Pulau Ternate Provinsi Maluku Utara. Agrikan: Jurnal Agribisnis dan Perikanan. 7(2): 8-14. https://doi.org/10.29239/j.agrikan.7.2.8-14.
Tangke, U. 2014. Parameter populasi dan tingkat eksploitasi ikan tongkol (Euthynnus affinis) di perairan Pulau Morotai. Agrikan: Jurnal Agribisnis dan Perikanan. 7(1): 74-81. https://doi.org/10.29239/j.agrikan.7.1.74-81.
Sahidi S. Gusti D. Sapsuha, Ahmad F. Laitupa, UmarTangke. 2015. Hubungan faktor oseanografi dengan hasil tangkapan pelagis besar di perairan Batang Dua, Propinsi Maluku Utara. Agrikan: Jurnal Agribisnis dan Perikanan. 8(2): 53-63. https://doi.org/10.29239/j.agrikan.8.2.53-63.
Tangke U, John Ch Karuwal, Mukti Zainuddin, Achmar Mallawa. 2015. Sebaran Suhu Permukaan Laut dan Klorofil-a Pengaruhnya Terhadap Hasil Tangkapan Yellowfin Tuna (Thunnus albacares) di Perairan Laut Halmahera Bagian Selatan. Jurnal IPTEKS Pemanfaatan Sumberdaya Perikanan, 2 (3) April 2015: 248-260.
Tangke, U.,. 2012. Analisis hubungan faktor oseanografi dengan hasil tangkapan ikan tenggiri (scomberamorus spp) diperairan kec. Leihitu kab. Maluku tengah. Agrikan: Jurnal Agribisnis dan Perikanan. 5 (2): 1-11.
Sangaji M. B, Umar Tangke, Djabaludin Namsa. 2016. Potensi dan tingkat pemanfaatan ikan layang (Decapterus sp) di perairan Pulau Ternate. Agrikan: Jurnal Agribisnis dan Perikanan. 9(2):1–10. https://doi.org/10.29239/j.agrikan.9.2.1-10.
Tangke, U., Karuwal, J. W. C., Mallawa, A., & Zainuddin, M. 2017. Analisis Hubungan Suhu Permukaan Laut, Salinitas, Dan Arus Dengan Hasil Tangkapan Ikan Tuna Di Perairan Bagian Barat Pulau Halmahera. Jurnal IPTEKS Pemanfaatan Sumberdaya Perikanan, 3(5).
Bafagih A, Sahriar Hamzah, Umar Tangke. 2017. Hubungan Antara Suhu Permukaan Laut dan Hasil Tangkapan Ikan Julung di Perairan Pulau Ternate Provinsi Maluku Utara. Prosiding Seminar Nasional KSP2K II, 1 (2) : 23-28.
Tangke U., Deni S., & Aunaka A., 2018a. The Influence of Using Bait Types to the Number and Composition of Fishing Traps Catch in South Ternate Waters. IOP Conference Series: Earth and Environmental Science. 175(1):12231. DOI: 10.1088/1755-1315/175/1/012231.
Tangke U; Azis Husen; Rugaya Serosero; Raismin Kota; Ruslan Laisouw and Zubair Saing. (2021). Population dynamics analysis of the yellowstrip scad (Selaroides leptolepis, Cuvier 1833) in the waters of Ternate Island. Egyptian Journal of Aquatic Biology & Fisheries Zoology Department, Faculty of Science, Ain Shams University, Cairo, Egypt. www.ejabf.journals.ekb.eg. ISSN 1110-6131, Vol. 25(5): 419-432.
Tangke U; Sitkun Deni, Ruslan Laisouw and Zubair Saing. (2022). Estimation of population parameters and exploitation rate of the yellowfin tuna in West Morotai Island waters, Indonesia. Egyptian Journal of Aquatic Biology & Fisheries Zoology Department, Faculty of Science, Ain Shams University, Cairo, Egypt. www.ejabf.journals.ekb.eg. ISSN 1110-6131, Vol. 26 (2): 107-117.
Tangke U, Ruslan A. Daeng, Azis Husen, Ruslan Laisouw, Muzakir Hi Sultan, Hasnuddin Usman.2023. Stock Study of the Skipjack Tuna (Katsuwonus pelamis, L., 1758) in Ternate Island, North Maluku Province, Indonesia. Egyptian Journal of Aquatic Biology & Fisheries Zoology Department, Faculty of Science, Ain Shams University, Cairo, Egypt. ISSN 1110 – 6131 Vol. 27(4): 919 – 929 (2023) www.ejabf.journals.ekb.eg
Tangke U, I Sangadji, R Rochmady, S Susiana. 2018a. A population dynamic aspect of Selaroides leptolepis in the coastal waters of South Ternate Island, Indonesia. Journal Aquaculture, Aquarium, Conservation & Legislation (Bioflux SRL). 11(4): 1334-1342.
Tangke, U., Talib, A., & Nurhamidin, F. (2022). Effect of Fortification of Anchovy Flour on Calcium Content, Orgnoleptic Quality and Shelf Life of Canned Tuna Porridge Products. JURNAL AGRIKAN (Agribisnis Perikanan), 15(1), 301-307. https://doi.org/10.52046/agrikan.v15i1.1192.
Tangke U, John W. Ch. Karuwal, Mukti Zainuddin dan Achmar Mallawa 2016. Analisis Parameter Oseanografi Hubungannya Dengan Hasil Tangkapan Ikan Tuna Sirip Kuning Di Perairan Maluku Utara. Junral Amanisal 5 (1), 1-9.
Undang-Undang Republik Indonesia Nomor 20 Tentang UMKM di Indonesia,. Jakarta, 2008
Undang-Undang Republik Indonesia Nomor 21 Tentang Perbankan Syariah. Jakarta, 2008
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Sofyan Abas

This work is licensed under a Creative Commons Attribution 4.0 International License.
This work is licensed under a Creative Commons Attribution 4.0 International License.