Peran BPR Syariah Terhadap Pengembangan UMKM Melalui Pembiayaan Murabahah (Studi Kasus PT. BPR Syariah Lantabur Tebuireng)

Abstract

Micro, Small and Medium Enterprises (MSMEs) are recognized as playing an important role in development and economic growth in developing and developed countries. However, MSMEs cannot be separated from various common problems that must be faced, namely capital problems. Lack of capital is one of the most important inhibiting factors in the development of MSMEs in Indonesia. This study aims to determine the role of Islamic rural banks in the development of MSMEs through murabahah financing at PT. BPR Syariah Lantabur Tebuireng Jombang. This research method uses a qualitative descriptive approach. Data collection techniques using three ways, namely observation, interviews, and documentation. Data sources were obtained from key informants, namely managers, marketing staff and several financing customers. Data testing was carried out by researchers by applying triangulation methods and increasing persistence. Data analysis techniques start from data collection, data reduction, data presentation, and drawing conclusions. The results showed that the role of BPRS in the development of MSMEs in Jombang can be seen by increasing capital, increasing the quality and quantity of products or goods, increasing buyers, increasing income, and increasing profits from business sales.