Analisis Pembiayaan Bank Syariah Terhadap UMKM dan Pertumbuhan Ekonomi di Indonesia Rentang Waktu 10 Tahun Terakhir

Abstract

Until now, Indonesian sharia banking continues to show positive growth. As reported by the Financial Services Authority, the CAR ratio for Islamic Commercial Banks (BUS) is 25.71%. Meanwhile, the intermediary function of Islamic banking is running well. Disbursed financing (PYD) and third party funds (DPK) grew positively by 6.90% (yoy) and 15.30% (yoy), respectively, so that the growth of Islamic banking assets during this period was 13.94% (yoy). The total assets, PYD and DPK of Islamic banking reached IDR 693.80 trillion, IDR 421.86 trillion and IDR 548.58 trillion by the end of 2021. This research intends to analyze Islamic bank financing for MSMEs. This study uses a quantitative approach, where the approach has been predetermined using secondary data. The data collection method in this study was secondary data collection obtained from Bank Indonesia, BPS (Central Bureau of Statistics), the Financial Services Authority and library techniques, namely by collecting data from books, journals and research results as well as reading sources or writing materials that are relevant to this research.