Analisis Kinerja Keuangan UMKM dan Koperasi yang Didukung oleh Lembaga Keuangan

Abstract

This study aims to analyze strategies applied by Islamic microfinance institutions in supporting the development of community-based micro, small and medium enterprises (MSMEs). In the context of populist economy, Islamic microfinance institutions have a significant role in providing access to capital, business development, and financial education that are in accordance with the Sharia Principles. This research method uses a descriptive qualitative approach with a case study in several Baitul Maal Wat Tamwil (BMT) in the Cirebon region. The results showed that the main strategy applied included a community-based social approach, murabahah and mudharabah-based financing, and business management training. This strategy is proven to be able to increase the sustainability and capacity of the UMKM business community members. This study recommends an increase in synergy between the government, BMT, and MSME players to expand the impact of economic empowerment.