Peran Ijarah dalam Meningkatkan Akses Pembiayaan Mikro Syariah
DOI:
https://doi.org/10.59059/maslahah.v3i1.1855Keywords:
Business, Ijarah, AccessAbstract
Sharia Micro Enterprises are one of the main pillars of the national economy. Micro businesses must receive protection as a form of government support for the community. However, there are several obstacles for people in developing their businesses, one of which is capital. The aim of this research is to facilitate access for micro business actors to finance with ijarah contracts. namely an alternative solution to a source of financing for Micro Businesses that is easily accessible, especially for the Indonesian people who are predominantly Muslim, namely financing with an ijarah agreement. The problem discussed in this research is what is the role of the ijarah contract in increasing access to sharia micro financing. It can be seen that the ijarah contract plays a very important role in supporting business development for micro business actors and providing easy access to financing services so that it can help the development of business actors. The method used in this research is a qualitative descriptive research method. The data sources used in this research are secondary and primary data. The data collection technique used in this research is literature study. . The results of this research are that the ijarah contract plays a very important role in the development of sharia micro businesses. The Al-Qur'an and Hadith also emphasize that the good practice of the ijarah contract is very easy and provides easy access for business actors to carry out financing for the development of a business, besides that it also aims to support implementation of national development in order to increase the distribution of social welfare. Therefore, for the Indonesian people who are predominantly Muslim, the ijarah contract is an alternative source of financing and easy access in developing their business in accordance with Islamic law.
References
Abubakar, A. (2022). Al-Qur’an Perspective About Ijarah (Leasing). Economos. https://doi.org/10.31850/economos.v5i3.2044
Arifin, M. M. (2022). Sistem penggajian berdasarkan prinsip ijarah. USRAH: Jurnal Hukum Keluarga Islam. https://doi.org/10.46773/.v2i1.154
Asadov, A., & Gazikhanov, K. (2015). Ijarah’s Prospects in Central Asian : An Example of Uzbekistan. Journal of Islamic Economics, Banking and Finance. https://doi.org/10.12816/0024915
Asadov, A., & Gazikhanov, K. (2015). Ijarah’s Prospects in Central Asian : An Example of Uzbekistan. Journal of Islamic Economics, Banking and Finance. https://doi.org/10.12816/0024915
Bisht, H. S., & Singh, D. (2020). Challenges faced by micro, small and medium enterprises: a systematic review. World Review of Science, Technology and Sustainable Development. https://doi.org/10.1504/WRSTSD.2020.10035444
Brito, D. (2022). The Legal Concept of Work. https://doi.org/10.1093/oso/9780192857774.001.0001
Chiarenza, G. A. (2022). Analysis of the Wa’d Ijarah Muntahiyah Bi al-Tamlik (IMBT) Contract From the Perspective of Islamic Law and Indonesian Civil Law. Ijtimā’iyya. https://doi.org/10.24090/ijtimaiyya.v7i2.7170
Ellitan, L. (2023). The Role of Internal and External Environment For The Sustainability of MSMEs. https://doi.org/10.56799/jceki.v2i3.1609
Hayati, S. D., & Fatarib, H. (2022). The Role Of Small And Medium Micro Enterprises (Msmes) In Economic Development In Bandar Lampung. International Journal of Environmental, Sustainability and Social Science. https://doi.org/10.38142/ijesss.v3i3.247
Hutorov, А. О., Zakharchuk, O. V., Gutorov, O. I., Ozarovska, A. V., & Tarasiuk, A. V. (2019). Rent as a financial instrument for regulating the development of the agrarian sector of economy. https://doi.org/10.18371/FCAPTP.V4I31.190944
JayalakshmiPriya, S. (2022). Micro financing Sole proprietorships in Narasapura and Kuppam. International Journal of Engineering Technology and Management Sciences. https://doi.org/10.46647/ijetms.2022.v06i04.0022
Kumara, H., & Bhat, S. (2022). A study on the effectiveness of fund management at ucb’s in shimoga district. EPRA International Journal of Economics, Business and Management. https://doi.org/10.36713/epra11787
Kurniawati, E., & Setiawan, A. (2019, June 1). The Role of Indonesian Micro, Small, and Medium Enterprises Owners in Choosing e-Commerce Strategy in the Global Market. https://doi.org/10.2991/ICSKSE-18.2019.37
Kusmanto, H., Warjio, W., & Kurniaty, E. Y. (2019). Pemberdayaan Usaha Mikro Kecil dan Menengah (UMKM) Ikatan Makanan Olahan (IMO) dalam upaya legalitas usaha. https://doi.org/10.31258/UNRICSCE.1.577-583
Manifestation of Sharia-based credit in its realization fulfilling needs using a credit system. (2022). Sebelas Maret Business Review. https://doi.org/10.20961/smbr.v7i1.55850
Nurudin, N. (2017). Pengaruh Sharia Marketing terhadap Loyalitas Anggota KSPPS BMT Walisongo Semarang. https://doi.org/10.18326/MUQTASID.V8I1.40-60
Obando-Bastidas, J. A., Herrera-Sarmiento, G. I., & Rodríguez-Ladino, J. J. (2016). Los microempresarios y los cuentagotas en Villavicencio. https://doi.org/10.22579/20112629.363
Pasi, K. U., Fitra, T. H., & Batubara, M. (2022). Analisis Perbedaan Antara Pembiayaan Leasing Konvensional dan Syariah (Ijarah). https://doi.org/10.56672/syirkah.v2i1.28
Pottinger, L. (2022). Penerapan akad ijarah dalam produk pembiayaan bank syariah. https://doi.org/10.54045/mutawazin.v2i1.115
Rainanto, B. H. (2019). Analisis Permasalahan Yang Dihadapi Oleh Pelaku Usaha Mikro Agar Berkembang Menjadi Usaha Kecil (Scalling Up) Pada Umkm Di 14 Kecamatan Di Kabupaten Bogor. https://doi.org/10.37641/JIMKES.V7I1.213
Shackman, A. J. (2022). Microfinance, a New Way for Financial Capital: A Case Study of Self Help Group in Thane. https://doi.org/10.9734/bpi/cabef/v6/3543b
Shuib, M. S., Bakar, A. A., Osman, A. F., Hashim, H., & Fadzil, A. bin. (2016). Implementation of Al-Wadiah (saving instrument) Contract In Contemporary Gold Transaction. The Journal of Business. https://doi.org/10.18533/JOB.V1I4.48
Skripsi “ Tinjauan Pelaksaan Akad Ijarah dalam Pengembangan Usaha Mikro Pada Koperasi Baytul Maal Wat Tamwil Wasilah Bogor “ Cece Sumarwan Kudus 2014 . Sekolah Tinggi Agama Islam Terpadu Moder Sahid Bogir.
Study on Fiscal Policies for Small and Micro Enterprises under the Economic Crisis. (2023). Financial Engineering and Risk Management. https://doi.org/10.23977/ferm.2023.060306
Sumarti, N. (2018). A Mathematics Model for Determinating the Value of Ijarah Contract. https://doi.org/10.1088/1757-899X/288/1/012111
Tambunan, T. (2019). Recent evidence of the development of micro, small and medium enterprises in Indonesia. https://doi.org/10.1186/S40497-018-0140-4
Tehuayo, R. (2018). Sewa menyewa (ijarah) dalam sistem perbankan syariah. https://doi.org/10.33477/THK.V14I1.576
The Role of Small Businesses in Sustainability. (2022). International Journal of Humanities and Language Research. https://doi.org/10.21608/ijhlr.2023.215936.1014
Trisulo, T., Lawi, K. B., Sianturi, I. P., & Napitupulu, D. H. (2022). Edukasi Penggunaan Aplikasi Akuntansi UKM. Jurnal Pemberdayaan Masyarakat Indonesia. https://doi.org/10.21632/jpmi.4.2.161-171
Yeremia, R., & Hidayat, M. (2023). Justice And Tax Benefits of Msmes In Government Regulation No. 23 of 2018. Yurisdiksi: Jurnal Wacana Hukum Dan Sains. https://doi.org/10.55173/yurisdiksi.v18i4.144
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Maslahah : Jurnal Manajemen dan Ekonomi Syariah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
