PERSEPSI PENGUSAHA UMKM TERHADAP PERAN BANK SYARIAH
DOI:
https://doi.org/10.32897/jsikap.v3i1.115Keywords:
Persepsi, Bank Syarih, Usaha Mikro, Kecil dan Menengah (UMKM)Abstract
Tujuan penelitian ini adalah untuk mengetahui persepsi pengusaha UMKM terhadap bank syariah dalam mendukung kegiatan usaha mereka. Keberadaan perbankan syariah seharusnya menjadi solusi dari kebutuhan keuangan dari pengusaha sektor UMKM dikarenakan tujuan bank syariah adalah mewujudkan masyarakat yang madani dan sejahtera. Metode yang digunakan pada penelitian ini adalah kualitatif yang didukung oleh data primer. Adapun sampel penelitian dalam penelitian ini adalah 72 UMKM Binaan Pasar Malam Akbar Kemayoran. Hasil dari penelitian ini adalah terdapat 18 UMKM yang menjadi nasabah bank syariah. Adapun alasan mereka tidak menggunakan jasa bank Syariah adalah 37% pelaku UMKM kesulitan mencari lokasi Bank Syariah, 28% kurangnya promosi dari bank Syariah kepada pelaku UMKM, 22% pelaku UMKM tidak paham produk dari perbankan Syariah dan 12% produk perbankan Syariah yang kurang variatif.
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