Arum, Novikha Arada Sekar (2024) Analisis Peran Intermediasi Keuangan BPRS Bangun Drajat Warga Studi Kasus Pelaku Usaha Mikro Kecil Menengah. S1 thesis, Universitas Ahmad Dahlan.
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Abstract
ABSTRAK
Keuangan syariah, termasuk di Indonesia, telah menjadi inovator global dengan peran penting dalam menghubungkan kebutuhan likuiditas dan investasi, khususnya dalam industri perbankan. Dalam konteks ini, bank syariah bertindak sebagai perantara atau intermediator antara pihak yang memiliki dana berlebih dan yang membutuhkan, seperti UMKM. Bank syariah menjalankan fungsi keuangan sesuai prinsip-prinsip islam, menghindari riba, serta mendorong keadilan dalam perdagangan, yang menjadikannya berbeda dari bank konvensional.
BPR Syariah Bangun Drajat Warga (BDW) merupakan contoh perantara depositori syariah yang menghimpun dana dari sektro rumah tangga, usaha, dan pemerintah. Dana ini kemudian disalurkan kembali dalam bentuk kredit atau pembiayaan sesuai dengan prinsip syariah. Selain itu, BPR Syariah BDW juga menawarkan berbagai produk seperti tabungan wadiah, deposito mudharabah, serta layanan pembiayaan seperti musyarakah dan murabahah. Ini membantu meningkatkan kesejahteraan masyarakat dan mendukung pertumbuhan ekonomi melalui pengolahan risiko dan portofolio investasi.
Sebagai lembaga intermediasi keuangan, BPR Syariah BDW tidak hanya menghubungkan pihak yang membutuhkan dan memiliki dana, tetapi juga berperan dalam meningkatkan kesejahteraan masyarakat melalui akses keuangan formal. Penelitian ini menunjukan bahwa peran ini sangat dihargai oleh masyarakat, terutama para pedagang, yang merasa terbantu dengan pembiayaan yang disediakan BPR Syariah BDW dalam menghadapi kendala modal usaha.
ABSTRACT
In Indonesia, Islamic finance has become a global innovator with an important role in connecting liquidity and investment needs, especially in the banking industry. In this context, Islamic banks act as an intermediary between those who have excess funds and those who need them, such as SMEs. Islamic banks operate their financial functions according to Islamic principles, avoid usury, and promote fairness in trade, which makes them different from conventional banks. BPR Syariah Bangun Drajat Warga (BDW) is one of the Islamic depository intermediaries that collect funds from the household, business, and government sectors, where the funds are then redistributed in the form of credit or financing according to Islamic principles. In addition, BPR Syariah Bangun Drajat Warga (BDW) offers various products, such as wadiah savings, mudharabah deposits, and financing services, such as musyarakah and murabahah. They help improve community welfare and support economic growth through risk management and investment portfolios. As a financial intermediary, BPR Syariah Bangun Drajat Warga (BDW) not only connects those who have excess funds and those who need them but also plays a role in improving community welfare through formal financial access. This study concludes that the roles are highly appreciated by the community, especially traders, who benefit from financing provided by BPR Syariah Bangun Drajat Warga (BDW) in solving their business capital difficulties.
| Item Type: | Thesis (S1) |
|---|---|
| Keyword: | Keuangan Syariah, UMKM, Pembiayaan Syariah, BPR Syariah |
| Subjects: | H Social Sciences > HG Finance |
| Divisi / Prodi: | Faculty of Islamic Studies (Fakultas Agama Islam) > S1-islamic banking(perbankan syariah) |
| Depositing User: | userperpus2 userperpus2 |
| Date Deposited: | 14 Dec 2024 02:01 |
| Last Modified: | 14 Dec 2024 02:01 |
| URI: | http://eprints.uad.ac.id/id/eprint/77595 |
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