PRODUK KEGIATAN USAHA PERBANKAN SYARIAH DALAM MENGEMBANGKAN UMKM DI ERA MASYARAKAT EKONOMI ASEAN (MEA)

Abstract

Economic life is at first simple. Activities of production, consumption and distribution is very simple. Along with the times, human population increased so that the economic activities also increased. One of government efforts to welcome the Syariah Economic Community and improve the performance of Micro, Small and Medium Enterprises is their growth of conducive business climate conducted by the central government and local governments to establish legislation and policy. The problem often faced by each UMKM is not apart from the need for funds to finance their business. To meet their needs, almost all UMKM utilized banking like the Islamic bank. Islamic bank is a financial institution that serves as an intermediary for the excess funds to parties who lack funds for operations and other activities in accordance with Islamic law that funds in the form of financing, such as mudaraba financing, Musharaka financing and murabaha financing. Financing has been distributed by Islamic banks to contain the risk of congestion callable, so it can affects the bottom line.