PERAN BANK SYARIAH DALAM PEMBERDAYAAN DAN PENINGKATAN UMKM (Studi Kasus Pada Bank Syariah Indonesia KCP Batu)

Abstract

Micro, small and medium enterprises (MSMEs) play a very important role in the Indonesian economy. As significant contributors to gross domestic product (GDP) and job creators, MSMEs are the backbone of the national economy. However, despite their great potential, MSMEs often face challenges such as limited access to finance, low financial literacy and lack of understanding of good business management. In this context, financial institutions, especially Islamic banks, have a strategic role to play in supporting the development of MSMEs. This study aims to analyse the role and efforts of Bank Syariah Indonesia KCP Batu in improving and empowering MSMEs in Batu City. Using qualitative descriptive methods. Challenges faced in the empowerment process. BSI's programmes are generally effective in providing easy access to Sharia-compliant finance, which in turn helps to increase MSMEs' working capital and productivity. However, challenges remain, such as the lack of use of digital technology in business operations and limited access to marketing. The study concludes by highlighting the importance of increasing synergies between BSIs and MSMEs, particularly in terms of providing more intensive training and ongoing mentoring, as well as developing digital platforms to expand market reach.

Keywords: MSMEs, Bank Syariah Indonesia, Empowerment, Financing