PEMBIAYAAN MODAL KERJA BAGI USAHA MIKRO KECIL DAN MENENGAH (UMKM) DALAM PERSPEKTIF UNDANG-UNDANG NO 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH (STUDI PADA UMKM KOTA DI MEDAN)

Abstract

MSMEs are one of the main pillars of the national economy that must receive the widest possible priority, support, protection and development from the government. The financing regulations of working capital in Sharia banking are regulated based on the National Sharia Council Fatwa – Indonesian Ulema Council which is the legal basis for the collecting and the distributing funds as contained in Bank Indonesia Regulation Number 7/46/PBI/2005 concerning a fund collection and distribution agreement for a bank carrying out business activities based on Sharia principles.

The problem from this research is as follows: 1) How is the arrangement of the financing of working capital for MSMEs in the perspective of the Law no. 21 of 2008? 2) How is the implementation of sharia banking financing in Medan city? 3) What are the obstacles in implementing of the financing of working capital for MSMEs in sharia banking in Medan city and what are the solutions to overcome them?

            The financing of working capital in Sharia banking is difficult to obtain or access by MSMEs due to the complicated licensing bureaucracy and standard operating procedures (SOPs) which are difficult for MSMEs to fulfil. The problem is that MSMEs rarely have business permits or collateral. To overcome this, it is necessary that MSMEs need to do partnerships or companions who can help to increase the human resources of MSME actors so that they can access banking.

Keywords: Financing, Working Capital, Sharia Bank