Strategi Pengembangan Program Pemberdayaan Usaha Mikro Dan Kecil Melalui Pembiayaan Usaha Syariah Di Kota Mojokerto

  • Risanda Alirastra Budiantoro Universitas Airlangga
  • Pradipta Puspita Larasati Universitas Airlangga
  • Sri Herianingrum Universitas Airlangga
Abstract views: 471 , PDF downloads: 284
Keywords: strategi pengembangan, PUSYAR, pemberdayaan UKM.

Abstract

In business practices, micro and small businesses (SMEs) have several internal and external problems, such as difficulties in capital. These problems also occur in SMEs in Mojokerto. To solve this SME problem, several stakeholders in Mojokerto collaborated to create a Sharia Financing Program (Pusyar) on the basis of a Murabahah contract. The implementation of this program has been running for approximately five years, since the memorandum of understanding was signed by the Badan Amil Zakat Nasional Kota Mojokerto, PT. BPRS Kota Mojokerto, Dinas Koperasi Perindustrian dan Perdagangan (Diskoperindag) dan Masyarakat Ekonomi Syariah (MES) in 2013. During this time, the amount of budget allocation and realization, and the number of beneficiaries of the Pusyar program has increased, so basically the Pusyar financing program is needed by SMEs to survive the existing business competition. The renewal of this study, describes the Pusyar program model as a whole and formulates a development strategy by strengthening the roles and responsibilities of the stakeholders involved. Therefore, the aim of this study will be to examine more deeply in formulating the right development strategy of the SME empowerment program through the Pusyar financing program, so that the usefulness of this program can increase. The hope of the study result can be used as a reference for other local governments or the central government to apply this Pusyar program in the future.

Downloads

Download data is not yet available.

References

Anoraga, Pandji. 2007. Pengantar Bisnis: Pengelolaan Bisnis dalam Era Globalisasi. Jakarta: Rineka Cipta.

Barney, Jay. 1991. “Firm Resources and Sustained Competitive Advantage”. Journal of Management. 17(1): 99-120.

David, Fred R. 2004. Strategic Management Manajemen Strategis Konsep. Jakarta: Penerbit Salemba Empat.

Departemen Ekonomi dan Keuangan Syariah, Bank Indonesia and Departemen Ekonomi Syariah Fakultas Ekonomi dan Bisnis, Universitas Airlangga. 2016. Wakaf: Pengaturan dan Tata Kelola yang Efektif. Seri Ekonomi dan Keuangan Syariah.

Glueck, William F., and Lawrence R. Jauch. 1988. Business Policy and Strategy Management. Singapore: McGraw Hill.

Hunger, J. David and Thomas L. Wheelen. Essential of Strategic Management. New York: Pearson

Indrasari, Feny dan Tauran. 2016. “Implementasi Program Pembiayaan Usaha Syariah (Pusyar) dalam Upaya Mensejahterakan Masyarakat Melalui Pembiayaan UMKM yang Dilaksanakan oleh Badan Amil Zakat Nasional (Baznas) Kota Mojokerto”. Publika, 4 (10): 1-8.

Lembaga Administrasi Negara Republik Indonesia. 2008. Pemberdayaan Sumber Daya Manusia - Modul Diklatpim Tingkat III. Jakarta: Pemberdayaan Sumber Daya Manusia (PSDM), Lembaga Administrasi Negara

Maryati, Sri. (2014). “Peran Bank Pembiayaan Rakyat Syariah dalamPengembangan UMKM dan Agribisnis Pedesaan di Sumatera Barat”. Journal of Economic and Economic Education, 3 (1): 1-17.

Mubyarto. 2000. Membangun Sistem Ekonomi, BPFE, Yogyakarta: BPFE.

Pusparani, Anisa, and Indah Prabawati Evaluasi. 2016. “Program Pembiayaan Usaha Syariah (PUSYAR) di Kota Mojokerto”. Publika, 4 (11): 1-8.

Rosyadi, Imron. 2013. “Strategi Pengembangan Usaha Mikro Milik Mahasiswa”. Benefit Jurnal Manajemen dan Bisnis, 17 (2): 111-22.

Suharto, Edi. 2005. Membangun Masyarakat Memberdayakan Rakyat. Bandung: Reflika Aditama.

Umar, Husein. 2001. Strategic Management in Action. Jakarta: Gramedia Pustaka Utama

Wahyudi, Setyo Tri, M. Khusaini, and Devanto S. Pratomo. 2016. “PemberdayaanUsaha Mikro Dan Kecil (UKM) Berbasis Syariah: Studi Pada Program Pusyar Badan Amil Zakat Nasional (Baznas) Kota Mojokerto”. Jurnal Pengabdian Kepada Masyarakat, 22 (3) 140-6.

Published
2018-12-28
Section
Articles