Peran Bank Syariah dalam Menggerakkan Mobilitas Sosial (Studi Kasus: Pengaruh Pembiayaan Bank Syariah dan Bank Konvensional Terhadap Penyerapan Tenaga Kerja di UMKM Melalui Pembiayaan UMKM Di Indonesia)

Abstract

Sharia bank is an agent in moving social mobility through given financing. The financing used for giving assistance to a company or a business which needs financing, like working capital and investment. One of the businesses that needs sharia bank financing is UMKM. This research aimed to find out the influence of sharia bank and conventional bank financings on UMKM employment through UMKM financing in Indonesia using path analysis technique, where UMKM became intervening variable. The result of the research showed that sharia bank and conventional bank financings had no effect on UMKM employment both directly or by UMKM financing.Keywords :Sharia Financing, Conventional Financing, Employment, UMKM