ANALISIS PERANAN PEMBIAYAAN MIKRO TERHADAP PERKEMBANGAN UMKM

(Studi Kasus pada Bank Syariah Mandiri KCP. Sibuhuan Kabupaten Padang Lawas)

Abstract

Financing is the provision of capital from the financing party to parties who need capital to carry out a business. MSMEs generally rely on their own capital in running their business, low accessibility to formal sources of financing. UMKM in the Padang Lawas area in 2020 is still classified as stagnant, it's just that it has decreased in its income from the average restructuring proposals programmed by the government of 50-75 percent. With the Bank Syariah Mandiri KCP. Sibuhuan is expected to be able to help people or customers who need micro-financing for the development of businesses run by customers, for example street vendors, handicrafts, souvenir businesses and other businesses. This study aims to determine how the role of Bank Syariah Mandiri in the business development of MSME customers. This type of research is qualitative research, while the data collection techniques in this study use documentation observation and interviews. From the research results it is known that the role of microfinance in Bank Syariah Mandiri KCP. Sibuhuan in developing UMKM businesses greatly influences the increase in customer business income