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

Abstract

Economic life is at frst 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 fnance their business. To meet their needs, almost all UMKM utilized banking like the Islamic bank. Islamic bank is a fnancial 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 fnancing, such as mudaraba fnancing, Musharaka fnancing and murabaha fnancing. Financing has been distributed by Islamic banks to contain the risk of congestion callable, so it can affects the bottom line.

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