Pengaruh Pembiayaan Perbankan Syariah terhadap Pertumbuhan UMKM di Indonesia

Abstract

This article aims to analyze the influence of financing provided by Islamic banking on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Islamic banking plays an important role in providing financial access for the MSME sector which is often hampered in obtaining financing from conventional banks. This study uses secondary data obtained from the annual report of Islamic banking and Bank Indonesia statistics from 2015 to 2020. The method used in this study is linear regression analysis to determine the relationship between Islamic banking financing and MSME growth. The results of the study show that Islamic banking financing has a significant positive influence on the growth of MSMEs, with profit-sharing-based financing, such as mudharabah and musyarakah, making a greater contribution compared to buying and selling-based financing such as murabahah