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Strategy For Developing MSME Through Sharia Microfinance Institutions

Jihbiz: Global Journal of Islamic Banking and Finance · Vol. 7 No. 2 (2025) · pp. 206–214

DOI
10.22373/ssanfc19
ISSN
2684-8554
Published
2025-08-18
Publisher
Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

Providing access to financing to Micro, Small and Medium Enterprises (MSMEs) carried out by banking financial institutions and microfinance institutions can have a positive impact on the development of MSMEs. The development of MSMEs can be carried out by offering financing products based on sharia principles. This research aims to determine the strategies and obstacles of LKMS Mahirah Muamalah in helping the development of MSMEs in the City of Banda Aceh. This research uses a qualitative descriptive method with field research data collection through interviews, observation and documentation. The research results show that LKMS Mahirah Muamalah carries out 3 types of strategies, namely: information provision strategy, provision of financing products, and service strategy. Then the obstacles faced by LKMS Mahirah Muamalah are divided into 2, namely intern (There is still a lack of human resources/employees, distribution of financing is still limited), as for extern obstacles: There is still minimal public literacy regarding LKMS, weak understanding and management skills of MSMEs

Keywords

Collaboration network of the authors

40 authors · 130 co-authorship links · 2 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Muria Kudus University
  • Udayana University
  • Satya Wacana Christian University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Evy IskandarAffiliation unknown2
Inayatillah DjakfarAffiliation unknown2
Azharsyah IbrahimAffiliation unknown2
Ayumiati AyumiatiAffiliation unknown2
Vira Clarissa KsrisyaAffiliation unknown2
Cut Lisa Nun ZikirAffiliation unknown2
Syafiul MuzidMuria Kudus University1
Muhammad Taufiq HidayatMuria Kudus University1
Khadijah Binti Mohd Khambali @ HambaliAffiliation unknown1
Muhammad FauziUdayana University1
Lesis AndreAffiliation unknown1
Josanti NurhidayahAffiliation unknown1
Syahrul GafurAffiliation unknown1
Atina HusnaAffiliation unknown1
Rita MeriAffiliation unknown1
DaniahAffiliation unknown1
Edo PutraAffiliation unknown1
Meta Yupitri ZoningsihAffiliation unknown1
Aqilla TunnaziaAffiliation unknown1
Endang SukinahAffiliation unknown1
Debi Kumala PutraAffiliation unknown1
Saudatul FitriAffiliation unknown1
Muna DahliaAffiliation unknown1
Evangs MailoaSatya Wacana Christian University1
Isnaliana IsnalianaAffiliation unknown1
Muksal MuksalAffiliation unknown1
Muizatul AspiraAffiliation unknown1
shafia marzatiAffiliation unknown1
AyumiatiAffiliation unknown1
Nining Puji RahayuAffiliation unknown1
Lailatussaadah LailatussaadahAffiliation unknown1
Sri MutiaAffiliation unknown1
Salma HayatiAffiliation unknown1
Cut Intan HayatiAffiliation unknown1
Wildan SyakuraAffiliation unknown1
faris auliaAffiliation unknown1
Nurraiyana AnadilaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/jihbiz/oai, first harvested 7 Nov 2026, last seen 7 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">Strategy For Developing MSME Through Sharia  Microfinance Institutions</dc:title>
	<dc:creator xml:lang="en">Riza, Akmal</dc:creator>
	<dc:creator xml:lang="en">Arifin, Muhammad</dc:creator>
	<dc:creator xml:lang="en">Nazar, Nazar</dc:creator>
	<dc:subject xml:lang="en">Strategy</dc:subject>
	<dc:subject xml:lang="en">MSMEs development</dc:subject>
	<dc:subject xml:lang="en">obstacles</dc:subject>
	<dc:description xml:lang="en">Providing access to financing to Micro, Small and Medium Enterprises (MSMEs) carried out by banking financial institutions and microfinance institutions can have a positive impact on the development of MSMEs. The development of MSMEs can be carried out by offering financing products based on sharia principles. This research aims to determine the strategies and obstacles of LKMS Mahirah Muamalah in helping the development of MSMEs in the City of Banda Aceh. This research uses a qualitative descriptive method with field research data collection through interviews, observation and documentation. The research results show that LKMS Mahirah Muamalah carries out 3 types of strategies, namely: information provision strategy, provision of financing products, and service strategy. Then the obstacles faced by LKMS Mahirah Muamalah are divided into 2, namely intern (There is still a lack of human resources/employees, distribution of financing is still limited), as for extern obstacles: There is still minimal public literacy regarding LKMS, weak understanding and management skills of MSMEs</dc:description>
	<dc:publisher xml:lang="en">Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry</dc:publisher>
	<dc:date>2025-08-18</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/30205</dc:identifier>
	<dc:identifier>10.22373/ssanfc19</dc:identifier>
	<dc:source xml:lang="en">Jihbiz: Global Journal of Islamic Banking and Finance; Vol. 7 No. 2 (2025); 206-214</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/30205/11917</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Akmal Riza, Muhammad Arifin, Nazar Nazar</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>