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Efektivitas Pembiayaan Kredit Usaha Rakyat Mikro Syariah pada Bank Syariah Indonesia Terhadap Pengembangan UMKM di Kota Takengon

Jihbiz: Global Journal of Islamic Banking and Finance · Vol. 8 No. 1 (2026) · hlm. 136–151

DOI
10.22373/xzb0ns60
ISSN
2684-8554
Terbit
2026-02-21
Penerbit
Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Sharia Micro People's Business Credit (KUR) is an interest-free financing program distributed under Islamic principles with the aim of increasing access to capital, competitiveness, and the growth of micro enterprises. This study aims to determine the effectiveness of Sharia Micro KUR financing at Bank Syariah Indonesia (BSI) in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Takengon City. The research method used is descriptive qualitative with a field study approach through interviews, observations, and documentation. The results show that Sharia Micro KUR financing at BSI is quite effective, in terms of target accuracy, timing, financing amount, credit burden, and procedural ease. This financing has significant impacts on increasing income, customer numbers, product quality, and employment absorption. Thus, Sharia KUR in Takengon City plays an important role in strengthening the MSME sector.

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Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/jihbiz/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 7 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Efektivitas Pembiayaan Kredit Usaha Rakyat Mikro Syariah pada Bank Syariah Indonesia Terhadap Pengembangan UMKM di Kota Takengon</dc:title>
	<dc:creator xml:lang="en">Putra, Ihdina</dc:creator>
	<dc:creator xml:lang="en">Hasnita, Nevi</dc:creator>
	<dc:creator xml:lang="en">Ridla, Ismail Rasyid</dc:creator>
	<dc:subject xml:lang="en">KUR Mikro Syariah</dc:subject>
	<dc:subject xml:lang="en">Bank Syariah Indonesia</dc:subject>
	<dc:subject xml:lang="en">Efektivitas Pembiayaan</dc:subject>
	<dc:subject xml:lang="en">UMKM</dc:subject>
	<dc:description xml:lang="en">Sharia Micro People's Business Credit (KUR) is an interest-free financing program distributed under Islamic principles with the aim of increasing access to capital, competitiveness, and the growth of micro enterprises. This study aims to determine the effectiveness of Sharia Micro KUR financing at Bank Syariah Indonesia (BSI) in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Takengon City. The research method used is descriptive qualitative with a field study approach through interviews, observations, and documentation. The results show that Sharia Micro KUR financing at BSI is quite effective, in terms of target accuracy, timing, financing amount, credit burden, and procedural ease. This financing has significant impacts on increasing income, customer numbers, product quality, and employment absorption. Thus, Sharia KUR in Takengon City plays an important role in strengthening the MSME sector.</dc:description>
	<dc:publisher xml:lang="en">Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry</dc:publisher>
	<dc:date>2026-02-21</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/33004</dc:identifier>
	<dc:identifier>10.22373/xzb0ns60</dc:identifier>
	<dc:source xml:lang="en">Jihbiz: Global Journal of Islamic Banking and Finance; Vol. 8 No. 1 (2026); 136-151</dc:source>
	<dc:source>2684-8554</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/33004/12583</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Ihdina Putra, Nevi Hasnita, Ismail Rasyid Ridla</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>