Implementation of Sharia Principles in Financing Micro, Small and Medium Enterprises in Rural Areas

Yuliana Yuliana; Faisal Faisal; Herinawati Herinawati; Laila Muhammad Rasyid

doi:10.47766/syarah.v14i1.6032

Implementation of Sharia Principles in Financing Micro, Small and Medium Enterprises in Rural Areas

Yuliana Yuliana

Faisal Faisal

Herinawati Herinawati

Laila Muhammad Rasyid

Keywords: Implementation Sharia Principles Business Actors MSMEs

PT PNM Mekaar Syariah is an institution engaged in sharia financial services that provides financing in the form of capital to support business actors in developing their businesses. Even if the business fails, customers are still required to repay their loans. This study aims to determine the implementation, obstacles, and efforts in applying sharia principles to micro, small, and medium enterprise financing at PT PNM Mekaar Syariah Blang Mangat. This research is a qualitative study using a legal-empirical approach with a descriptive nature. The research data used are sourced from primary and secondary data. Primary data were obtained from observations and interviews, while secondary data were obtained from books, articles, and relevant scientific publications. The research data was systematically organized, beginning with data reduction, data presentation, and conclusion drawing. The research findings revealed that the implementation of Sharia principles and contracts by PT PNM Mekaar Syariah Blang Mangat Branch has not fully adopted Sharia principles, as evidenced by its operational practices not fully adhering to the murabahah system. The obstacles encountered by customers are that they often choose financing not for business purposes but for personal needs. This can lead to various challenges such as late payments, increased personal expenses, and difficulties in managing customer business operations. Efforts made include actively monitoring customers to detect potential late payments or defaults early on.

Ali, Zainuddin. Metode Penelitian Hukum. Jakarta: Sinar Grafika, 2021.

Azhim, Sa’id Abdul. Halal Haram Dalam Bisnis Kontenporer. Solo: Darul Iman, 2002.

Faisala, Jumadiaha, Layla Tunnura, Dirasa, and Nanda Amalia. “Mapping and Harmonizing Qanun on Sharia Financial Institutions.” Sriwijaya Law Review 8, no. 1 (2024): 20–37. https://doi.org/10.28946/slrev.Vol8.Iss1.

Fauza. Wawancara Petugas Mekaar Syariah Kecamatan Blang Mangat (2024).

Mahendra, Ayi. Wawancara Keuchik Gampong Kumbang Peunteut Kecamatan Blang Mangat (2024).

Mardliyyah, Ainaul, and Muhammad Nafik Hadi Ryandono. “Sistem Tanggung Renteng Pada Koperasi Assakinah Sebagai Bentuk Penerapan Ta’awun.” Jurnal Ekonomi Syariah Teori Dan Terapan 7, no. 2 (2020): 254–68. https://doi.org/10.20473/vol7iss20202pp254-268.

Misyah Erni. Wawancara Ketua Nasabah Mekaar Syariah Kecamatan Blang Mangat (2024).

Mokoagow, Fahrul Rozi. “Kepatuhan Syariah Dalam Aktivitas Bisnis Perbankan Syariah : Analisis Yuridis Normatif.” Al-’Aqdu: Journal of Islamic Economics Law 4, no. 1 (2024): 44–53.

Moona. Wawancara Petugas Mekaar Syariah Kecamatan Blang Mangat (2024).

Nila. Wawancara Nasabah Mekaar Syariah Kecamatan Blang Mangat (2024).

Sevina, Afifah Nazla, Suryani, and Ratu Humaemah. “Minat Masyarakat Memilih Pembiayaan Di PNM Mekaar Syariah Cabang Kronjo Kabupaten Tangerang Menurut Perspektif Ekonomi Islam.” Wahana Islamika: Jurnal Studi Keislaman 8, no. 2 (2022): 243–52. https://doi.org/10.61136/abx21330.

Soekarno, Soerjono. Pengantar Penelitian Hukum. Jakarta: Rajawali Press, 2001.

Tan, David. “Metode Penelitian Hukum: Mengupas Dan Mengulas Metodologi Dalam Menyelenggarakan Penelitian Hukum.” NUSANTARA: Jurnal Ilmu Pengetahuan Sosial 8, no. 8 (2021): 2463–78. https://doi.org/10.31604/jips.v8i8.2021.2463-2478.

Waluyo, Bambang. Penelitian Hukum Dalam Praktek. Jakarta: Bambang Waluyo, 2002.

Zulfiyanda, Faisal, and Manfarisah. “Akad Pembiayaan Murabahah Bil Wakalah Pada PT. Bank Rakyat Indonesia Syariah Lhokseumawe.” Suloh Jurnal Program Studi Magister Hukum 8, no. 1 (2020): 12–28. https://doi.org/10.29103/sjp.v8i1.2485.

PDF

Published: Jun 30, 2025

https://doi.org/10.47766/syarah.v14i1.6032

Issue

Vol. 14 No. 1 (2025): SYARAH : Jurnal Hukum Islam dan Ekonomi

Section

Articles

Metrics

91 28

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Sidebar

Main Navigation

Vol. 14 No. 1 (2025): SYARAH : Jurnal Hukum Islam dan Ekonomi

Implementation of Sharia Principles in Financing Micro, Small and Medium Enterprises in Rural Areas

Implementation of Sharia Principles in Financing Micro, Small and Medium Enterprises in Rural Areas

Similar Articles

Similar Articles

An Islamic Criminal Law Study of Financial Crimes in Modern Sharia Businesses

Predatory Pricing in Buying and Selling Imported Products in E-Commerce According to the Perspective of Business Competition Law and Muamalah Fiqh

Analysis of Ta’widh Law in Murabahah Financing from the Perspective of Islamic Law and Positive Law

The Practice of Buying and Selling Artificial Insemination Seeds in Cows Reviewed According to Sharia Economic Law

Critical Review of Changes from Classical to Contemporary Contracts in Sharia Economic Transactions: Fiqh Perspective

The Relevance of Hudud and Ta'zir in Corruption Law Enforcement through the Perspective of Islamic Criminal Law

Legal Review of Islam on the Prohibition of Marriage Contracts between Eid al-Fitr and Eid al-Adha

Regulation of Electronic System-Based Trade in the Framework of the ASEAN Economic Community and its Implications for Indonesia

Analysis of Corruption Criminal Punishment Based on Qawāid Fiqhiyyah

Cash Waqf Linked Sukuk: Sharia Financial Innovation for Productive Waqf Management in Indonesia

Sidebar

Information

Main Navigation

Vol. 14 No. 1 (2025): SYARAH : Jurnal Hukum Islam dan Ekonomi

Implementation of Sharia Principles in Financing Micro, Small and Medium Enterprises in Rural Areas

Article Details

Main Article Content

Article Sidebar

Similar Articles