Peran Koperasi Simpan Pinjam Pembiayaan Syariah Terhadap Usaha Mikro Kecil Menengah (Studi pada Baitul Maal wa Tamwil Nahdhatul Ulama Cabang Pasean Pamekasan)

Abstract

BMU NU Pasean Pamekasan Branch in a Sharia financial institution can be said to be new in the Pamekasan area, therefore researchers are more interested in the BMU NU financing products used by UMKM, and include part of the total for business actors who are able to contribute to people who do not have jobs in Pamekasan. The purpose of this study was to see the role of BMU NU Pasean Pamekasan Branch on UMKM. The methodology used in this research is; descriptive with a qualitative approach. The data used are primary data, namely; interview results and data from BPS Pamekasan Regency as well as secondary data. Based on the results of his research, the role of BMU to UMKM in the form of UMKM financing according to BPS Pamekasan data for 2020 amounted to 108,467 UMKM, while UMKM that took financing at LKS were; at BMU NU Pasean Pamekasan Branch around 1452. This means that in the Pamekasan area only 0.01% of UMKM are customers of Islamic financial institutions, namely BMU NU Pasean Pamekasan Branch. In addition, BMU NU is also a business assistant and has also held financial management training, but this program is not effective because UMKM are not proactive.