Peran Perbankan Syariah dalam Pemberdayaan UMKM Pedagang Garam di Pamekasan Madura

Alvan Fathony, Jamilatul Mahyah

Abstract

Islamic banking, as the main figure in the Islamic financial institution, strives to become an intermediary institution in incorporating Islamic finance into salt traders. Salt farmers who enter into a cooperation agreement (mudarabah) will share the proceeds at a later date according to the agreed-upon terms, where the landowners will receive 75% of the sales proceeds and 25% will be allocated to the land workers. This study aims to determine the role of Islamic banking in empowering small and medium-sized enterprises (SMEs) of salt traders. The rising prices of salt in the market will result in a depletion of salt stock in the warehouses and require a significant amount of capital. Traders will need a substantial amount of working capital to meet the demands of their businesses. They will borrow the necessary capital according to their needs, to repay it by the agreed-upon terms. This research utilizes a qualitative descriptive method, and the primary data used in this study are obtained through a literature review and interviews. The instrument used for collecting primary data is interviews conducted with salt trader community members in Galis Pamekasan. They revealed that Islamic banking also plays a role in the development of salt trader SMEs by assisting in the implementation of government programs such as the People's Business Credit (KUR), financing distribution, profit sharing, and savings and loans.

Keywords

Peran perbankan syariah; Pedagang garam; Perani garam

Full Text:

PDF

References

Arida, A. (2018). Analisis Pendapatan Petani Dan Margin Pemasaran Garam Di Desa Tanoh Anoe Kecamatan Jangka Kabupaten Bireuen. Jurnal Ilmiah Mahasiswa Pertanian Unsyiah, 3(1), 192–203. www.jim.unsyiah.ac.id/JFP

Asri, A. S., & Syaichu. (2016). Analisis Faktor-Faktor Yang Mempengaruhi Pembiayaan Berbasis Bagi Hasil Pada Perbankan Syariah Di Indonesia Periode 2010-2014. Journal of Management, 5(3), 1–15. http://ejournal-s1.undip.ac.id/index.php/dbr

Cahaya, A. D., Widyastuti, M. L., & Fatharani, H. (2021). Peran Perbankan dalam Pembiayaan UMKM di Tengah Pandemi COVID-19. Jurnal Ilmiah Keuangan Dan Perbankan (FIDUSIA), 4(2), 138–149. http://fe.ummetro.ac.id/ejournal/index.php/JPK/article/view/613

Fuan Ertiyant, W., & Nur Latifah, F. (2022). Peran Bank Syariah Terhadap Pembiayaan Umkm Di Masa Pandemi Covid-19. Jurnal Tabarru’: Islamic Banking and Finance, 5(1), 199–206. https://doi.org/10.25299/jtb.2022.vol5(1).9398

Ihsannudin, I., Pinujib, S., Subejo, S., & Sumada Bangko, B. (2018). Strategi Pemberdayaan Ekonomi Petani Garam Melalui Pendayagunaan Aset Tanah Pegaraman. Economics Development Analysis Journal, 5(4), 395–409. https://doi.org/10.15294/edaj.v5i4.22177

Ilyas, R. (2018). Manajemen Permodalan Bank Syariah. BISNIS : Jurnal Bisnis Dan Manajemen Islam, 5(2), 323. https://doi.org/10.21043/bisnis.v5i2.3017

Ismail, H. (2015). Analisis Pendapatan dan Pemasaran Usaha Pembuatan Garam di Kelurahan Talise Kecamatan Mantikulore Kota Palu. E-J. Agrotekbis, 3(4), 515–520.

Jamil, A. S., & Netti, T. (2015). Pemasaran Garam Rakyat (Studi Kasus Desa Lembung, Kecamatan Galis, Kabupaten Pamekasan, Jawa Timur) (Marketing of Local Salt (a Case Study in Lembung Village, Galis Sub District, Pamekasan District, East Java)). Forum Agribisnis, 5(2), 121–138.

Kementrian Perdagangan. (2013). Analisis Peran Lembaga Pembiayaan Dalam Pengembangan UMKM. Pusat Kebijakan Perdagangan Dalam Negeri, 90.

Kuncoro, M. 2008. (2010). Di Provinsi Diy. Https://Perbanas.Id/Duaribu19/Wp-Content/Uploads/2020/05/Materi-Badruddin-Ahmad-Siddik-Perbanas.Pdf, 14(3), 467–478.

M. Zidny Nafi’ Hasbi. (2019). Dampak Krisis Keuangan Global Terhadap Perbankan Di Indonesia. LISAN AL-HAL: Jurnal Pengembangan Pemikiran Dan Kebudayaan, 13(2), 385–400. https://doi.org/10.35316/lisanalhal.v13i2.602

Machmud, A. (2013). Strategi Pemberdayaan Usaha Mikro Kecil Menengah Melalui Peran Lembaga Keuangan Syariah dalam Upaya Pengentasan Kemiskinan di Indonesia. Semnas Fekon, 601.

Muheramtohadi, S. (2017). Peran Lembaga Keuangan Syariah dalam Pemberdayaan UMKM di Indonesia. MUQTASID Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 95. https://doi.org/10.18326/muqtasid.v8i1.95-113

Muttaqin, H. M., Kosim, A. M., & Devi, A. (2020). Peranan Perbankan Syariah Dalam Mendorong Usaha Mikro Kecil dan Menengah Dimasa Pandemi Covid-19. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 3(1), 110–119. https://doi.org/10.47467/elmal.v3i1.393

Nugroho, P., Susandini, A., & Islam, D. (2020). Mengkaji Sistem Pemasaran Garam Di Madura. Media Trend, 15(1), 111–122. https://doi.org/10.21107/mediatrend.v15i1.6176

Prayuningrum, E. J., & Hasib, F. F. (2017). Analisis Faktor-Faktor Yang Mempengaruhi Pembiayaan Modal Kerja Pada Perbankan Syariah. Nisbah: Jurnal Perbankan Syariah, 3(2), 394. https://doi.org/10.30997/jn.v3i2.910

Putu, S. R. N., & Sudarsana, A. (2019). Analisis Faktor-Faktor Yang Mempengaruhi Pendapatan Petani Garam Di Kabupaten Karangasem. Piramida, 15(2), 213–240.

Sholahuddin, M. (2013). Tantangan Perbankan Syariah Dalam Peranannya Mengembangkan UMKM. Seminar Nasional and Call for Papers SANCALL, 496–500. https://publikasiilmiah.ums.ac.id/xmlui/handle/11617/3796%0Ahttps://publikasiilmiah.ums.ac.id/bitstream/handle/11617/3796/48. M. Sholahuddin.pdf?sequence=1

Widiarto, S. B., Hubeis, M., & Sumantadinata, K. (2013). Efektivitas Program Pemberdayaan Usaha Garam Rakyat di Desa Losarang, Indramayu. MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah, 8(2), 144–154. https://doi.org/10.29244/mikm.8.2.144-154

Yudiana, F. E. (2010). Manajemen Risiko dalam Prinsip Pembiayaan Mudarabah: Kajian Kontekstual Islam terhadap Risiko. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 1(2), 227. https://doi.org/10.18326/muqtasid.v1i2.227-244

DOI: http://dx.doi.org/10.25157/je.v11i1.10539

Refbacks

  • There are currently no refbacks.