Keuangan Inklusif Bank Umum Syariah Dalam Mendukung Usaha Mikro Kecil dan Menengah

Authors

  • Erna Wati Fakultas Ekonomi dan Bisnis Universitas Halu Oleo, Kendari, Indonesia

DOI:

https://doi.org/10.29240/jie.v1i1.57

Abstract

This study examines the financial inclusive SMEs on Indonesian Islamic Commercial Bank (ICB). Data used is secondary data from the publication of the Financial Services Authority (FSA) and the publication of ICB. The indicators examined including of the dimensions of use, physical accessibility and price affordability. The results showed that the preferences of ICB on SMEs access were not related with the size of the bank. The three largest ICB is more lower preference allocation to SMEs. Although Islamic banking office network experienced an increasing trend, but physical accessibility for regency still limited. SMEs still have a low price affordability, contrary to the Shariah Rural Bank (SRB). The results also showed that the lower price affordability the higer NPF of SMEs, which implies trade off between price affordability and collectability of financing. Keywords : Inclusive Finance, Physical Accessibility, Affordability, Dimension Usage

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References

Ascarya. Akad dan Produk Bank Syariah: Konsep dan Praktek di Beberapa Negara. Jakarta: Bank Indonesia, 2006.

Bank Indonesia (2009) Statistik Perbankan Syariah Indonesia Desember 2008, Jakarta: BI. Tersedia pada: http://www.bi.go.id

Bank Indonesia (2010) Statistik Perbankan Syariah Indonesia Desember 2009, Jakarta: BI. Tersedia pada: http://www.bi.go.id

Bank Indonesia (2011) Statistik Perbankan Syariah Indonesia Desember 2010, Jakarta: BI. Tersedia pada: http://www.bi.go.id

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Published

2016-12-16

How to Cite

Wati, E. (2016). Keuangan Inklusif Bank Umum Syariah Dalam Mendukung Usaha Mikro Kecil dan Menengah. AL-FALAH : Journal of Islamic Economics, 1(1), 1–18. https://doi.org/10.29240/jie.v1i1.57

Issue

Vol. 1 No. 1 (2016)

Section

Articles

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