The Role of Ijarah Agreements Increasing Acces Financing For Small Business


Authors

(1) * Deny Zainur Rizqi   (Prodi Ekonomi Syariah, Fakultas Agama Islam Universitas Nurul Jadid, Indoensia)  
        Indonesia
(*) Corresponding Author

Abstract


The important role of sharia is not only limited to financial management, but has a positive impact in supporting entrepreneurship and Micro, Small and Medium Enterprises (UMKM) which refer to sharia values. This opens up broad opportunities for the development of the UMKM sector which has a central role in the economy. Sharia Banks play a strategic role in supporting the growth and sustainability of Micro and Small Enterprises (UMK) in Indonesia. Through various sharia financing schemes, such as ijarah, Sharia Banks can provide the working capital needed by UMK to finance their operations and business development. This wider access to capital has a positive impact on increasing productivity, efficiency and profitability of micro and small businesses. Apart from that, the sharia financing scheme also allows Sharia Banks to play an active role in providing assistance and advice regarding business management, thereby encouraging the improvement of managerial and technical capabilities of UMK players. Another positive impact is related to broader socio-economic aspects, where sharia financing for UMK can contribute to poverty alleviation, equal distribution of income, and increase community welfare



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Journal ECODIGIT: Economic and Digital Technology
Published by Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M) of Nurul Jadid University, Probolinggo, East Java, Indonesia.