Evaluasi dan Pengembangan Strategi Pembiayaan UKM dalam Meningkatkan Profitabilitas Bank Syariah di Jakarta

Abstract

The ability of Small and Medium Enterprises (UKM) in Indonesia to penetrate the global market or to increase the export-import products is determined by a combination of several relatively superior factors of an enterprise and its competitors. Faced with the characteristics and obstacles in operating, UKM may raise its loan or credit pass through sharia banking. The development of national sharia banking is basically directed to create healthy sharia banking and perform consistent Islamic principles. The objectives of developing sharia banking are (1) to fulfill the requirements of the society in need of banking services consistent with the sharia principles, and (2) to create an alternative banking system that has a variety of products and surplus services. The method of assessing sharia loan is by using the growth-profit ratio pursuant to the report of sharia loan of UKM in 2003-2007, whose figures are used as the basis of assessing sharia funding. The SWOT analysis was used to evaluate its implementation strategy. The UKM funding at sharia banking may be used as the basis of the evaluation of success in obtaining profit. The business performance can be calculated by using financial standards, such as net profit, Return on Assets (ROA), and cash flow. In general, in 2003-2007, there was an increase in the development of sharia funding at sharia banking. The optimal profit obtained, based on ROA, yielded a positive value to the funding of UKM. In reaching its target, sharia banking develop sharia network by opening new branches, especially for the development of UKM funding