Pembiayaan UMKM Bank Syariah dan Stabilitas Moneter di Indonesia pasca Pandemic Covid-19
Abstract
ABSTRAKUsaha Mikro, Kecil dan Menengah (UMKM) merupakan sektor andalan bagi peningkatan kegiatan ekonomi dan kesejahteraan masyarakat bawah. Bank syariah terlibat langsung dalam pengembangan UMKM melalui pembiayaan, diharapkan memberikan kontribusi bagi pelaku usaha dan masyarakat yang terlibat langsung dengan kegiatan UMKM. Pembiayaan UMKM merupakan program nasional yang berpotensi memberikan kontribusi bagi perekonomian secara makro. UMKM merupakan sektor potensial terkait dengan aktivitas ekonomi riil yang banyak melibatkan banyak pelaku dan peningkatan jumlah produksi yang dihasilkan. Kontribusi aktivitas usaha dan pembiayaan UMKM bisa menjaga keseimbangan permintaan pasar. Kelangsungan usaha dapat terjaga, kewajiban pelaku UMKM pada perbankan syariah dapat dipenuhi, aktivitas perekonomian dan stabilitas moneter (inflasi) dapat terkendali. Jumlah dan kualitas pembiayaan UMKM belum optimal, penelitian ini akan mengkaji peran pembiayaan UMKM terhadap kinerja bank syariah dan stabilitas moneter. Hasil penelitian ini mengungkapkan bahwa pembiayaan UMKM memberikan peran besar terhadap peningkatan kinerja keuangan bank syariah dan peningkatan laju inflasi di Indonesia. Peningkatan kinerja keuangan bank syariah dan stabilitas moneter sangat penting untuk terciptanya iklim usaha yang kondusif bagi pelaku UMKM.
ABSTRACTMicro, Small and Medium Enterprises (MSMEs) are the mainstay sector for increasing economic activity and the welfare of the lower class. Its role is important for business actors, the community and all supporting sectors. MSME financing is a national program that has the potential to contribute to the macro economy. MSME is a potential sector related to real economic activity that involves many actors and increases the amount of production produced. The contribution of business activities and MSME financing can maintain a balance in market demand. Business continuity can be maintained, the obligations of MSME actors in Islamic banking can be fulfilled, economic activity and monetary stability (inflation) can be controlled. The amount and quality of MSME financing is not optimal, this study will examine the role of MSME financing on the performance of Islamic banks and monetary stability. The results of this study reveal that MSME financing plays a major role in improving the financial performance of Islamic banks and increasing the inflation rate in Indonesia. Improving the financial performance of Islamic banks and monetary stability is very important to create a conducive business climate for MSME actors.
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