Analisis Penerapan Etika Bisnis Islam Dan Pembiayaan Mikro Syariah Dalam Mendukung Perkembangan UMKM
DOI:
https://doi.org/10.31958/ab.v5i2.15841Keywords:
Etika Bisnis Islam, Pembiayaan Mikro Syariah, UMKM, Kecamatan Deli TuaAbstract
This study aims to examine the application of Islamic business ethics and the utilization of Islamic microfinance in fostering the development of bakso (meatball) micro, small, and medium enterprises (MSMEs) in Deli Tua District. Adopting a descriptive qualitative approach, data were collected through observation and semi-structured interviews with six bakso shop owners selected via purposive sampling. The data were analyzed using the Miles and Huberman framework, encompassing data reduction, data display, and conclusion drawing. The findings reveal that the implementation of Islamic business ethics—particularly honesty and social responsibility—significantly enhances customer loyalty and strengthens business image. Furthermore, Islamic microfinance based on murabahah contracts contributes to increasing production capacity and improving business facilities. The synergy between ethical practices and Islamic financing not only reinforces business reputation but also facilitates access to Sharia-compliant funding. The study suggests that integrating ethical values with Islamic financial mechanisms can serve as an effective strategy for promoting sustainable MSME growth
References
Amalia, L., Rahmaningtiyas, N. F., & Sarpini. (2024). Prinsip dan kode etik dalam bisnis. Jurnal ekonomi, bisnis dan manajemen (EBISMEN), 350-361.
Angkat, R. A., Indra, A. P., & Tambunan, K. (2023). The effect of islamic work ethics, work strees, and work life balance on employee performance with work loyalty as an intervening variable at Bank Sumut Syariah KCP Katamso Medan. Al iqtishad: Jurnal pemikiran dan penelitian ekonomi islam.
Awaluddin, Asyari, Nuruddin, A., & Siregar, S. (2021). Developmental model of islamic microfinance institution in minangkabau muslim community using Analytical Network Process (ANP). Journal of islamic and social studies, 84-95.
Balahmar, A. R. (2024). Strategi Pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM) Kota Delta. Adbispreneur: Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 1-12.
Bengu, H., Kelin, S., & Hadjon, R. (2024). Penerapan etika bisnis dalam kegiatan UMKM di era digital. Jurnal teknologi informasi, manajemen komputer dan rekayasa sistem cerdas.
Fauziah, S., & Ridho, W. F. (2024). Penguatan Kinerja Usaha Pada UMKM: Peran Knowledge Of Financial Statements dan Entrepreneurial Orientation. Adbispreneur: jurnal pemikiran dan penelitian administrasi bisnis dan kewirausahaan, 31-40.
Herdinata, C., & Pranatasari, F. D. (2020). Aplikasi literasi keuangan bagi pelaku bisnis. Yogyakarta: Deepublish.
Husna, A. W. (2019). Pengaruh pembiayaan mikro syariah terhadap perkembangan Usaha Mikro Kecil dan Menengah (UMKM) pada BMT Agromadani kabupaten rokan hilir. Riau: Universitas Islam Riau.
Imsar, & Harahap, A. A. (2023). Implementasi Pendekatan Ekonomi Manajerial Berbasis Keislaman Dalam Pengembangan Kinerja Bisnis. Hikmah.
Khairani, I., Imsar, & Nasution, M. L. (2023). Analysis of The Contribution of Islamic Social Capital to Increasing MSMEs. Journal of Islamic Economics and Finance Studies, 145-162.
Lubis, C., Nugraha, L., Fitrijanti, T., & Sukmadilaga, C. (2020). Peluang pengusaha mikro dan kecil (UMK) menggunakan layanan digital lembaga keuangan mikro syariah . Jurnal al-qardh.
Lubis, D., Maryam, S., & Hasanah, Q. (2023). The relation between islamic business ethics and the performance of traders in the tradisional market of cipanas. Jurnal beccos, 147-158.
Lubis, I. M. (2024). Pengaruh penerapan etika bisnis islam terhadap kinerja UMKM di kabupaten tapanuli tengah dengan keunggulan kompetitif sebagai variabel mediator. Padang sidimpuan: Universitas Islam Negeri Syekh Alihasan Ahmad Addary.
Lubis, M. B., Siregar, N. K., Maulida, S., Marpaung, W. T., & Marpaung, S. F. (2023). Penerapan etika bisnis islam dalam meningkatkan Usaha Mikro Kecil dan Menengah (UMKM). Madani: Jurnal ilmiah multidisiplin , 93-97.
Miswanto, Arifin, R., & Murniyati, D. (2020). Does Work Commitment Mediates The Effect of Islamic Work Ethic on Performance and Turnover Intention? JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen, 169-187.
Mokosolang, M., Liando, D. M., & Sampe, S. (2021). Pengaruh profesionalisme pegawai terhadap kinerja pegawai dinas kesehatan dalam pencegahan penularan covid-19 di kabupaten. Jurnal governance.
Nawawi, Z. M., Soemitro, A., & Dalimunthe, M. (2022). Women economic empowerment trough sharia micro-finance institutions in indonesia: a qualitative research. Iqtishadia, 255-272.
Nurbaiti, Asmuni, Soemitra, A., Imsar, & Aisyah, S. (2023). Behavior Analysis of MSMEs in Indonesia Using Fintech lending Comparative Study Between Sharia Fintech Lending and Conventional Fintech Lending. JPPI (Jurnal Penelitian Pendidikan Indonesia).
Prayogi, M. A., Asmuni, & Nasution, Y. S. (2023). Islamic work ethic in mediation influence spirituality at workplace, organizational changes, work ability on organizational commitment in sharia bank employees in medan city. Ikonomika: Jurnal ekonomi dan bisnis Islam, 123-150.
Pujiyono, A., & Nugraha, H. S. (2015). Model keuangan mikro syariah untuk meningkatkan kesejahteraan nelayan miskin di Indonesia. Seminar nasional multi disiplin ilmu unisbank. Semarang, Indonesia: Universitas stikubank.
Purnamasari, D., & Salam, A. (2019). Analisis pengaruh pembiayaan mikro syariah terhadap keberhasilan Usaha Mikro Kecil dan Menengah (UMKM). Jurnal institusi politeknik ganesha, 133-146.
Rahmadania, S. E. (2020). Etika bisnis (business ethic) pada PT. TN Jakarta. Jurnal ekonomi manajemen sistem informasi, 426-437.
Siregar, F. R., & Imsar. (2022). Implementasi Marketing Mix Dalam Meningkatkan Konsumen Pada Cafe Hidden Tea (Perspektif Etika Bisnis Islam). Jurnal Pendidikan Tambusai, 16363-16370.
Siregar, R., Ritonga, P., Muda, I., Sumitra, A., & Sugianto. (2023). Professional ethics and responsibilities for business ownership interest, security, or intangible assets in pharmaceutical companies. Journal of pharmaceutical negative results, 1572-1576.
Sulastri, & Iswandi. (2023). Analisis risiko pembiayaan mikro pada bank syariah. Sanskara manajemen dan bisnis (SMB).
Syaharuddin, Hasbi, Wahyudi, Bakhtiar, F., Ahmad, S., & Ilham. (2024). Contribution of Islamic business ethics to increasing humane economic growth. Hongkong journal of sosial sciences.
Syahputra, A., Jannah, N., & Harianto, B. (2024). Implementasi Etika Bisnis Islam Dalam Meningkatkan Kewirausahaan (Studi Kasus Wisma Barbershop). Jurnal Manajemen Bisnis, 812-819.
Turmudi, M. (2017). Pembiayaan mikro BRI Syariah: upaya pemberdayaan dan peningkatan UMKM oleh BRI Syariahcabang kendari. Jurnal studi ekonomi dan bisnis Islam.
Ulandari, A., Rizkiyah, A., Uswatun, C., Ramadani, B., & Yuni, D. E. (2024). Peran pembiayaan mikro syariah dalam pengembangan perdagangan di kehidupan masyarakat. Jurnal ekonomi dan bisnis, 51-59.
Angkat, R. A., Indra, A. P., & Tambunan, K. (2023). The effect of islamic work ethics, work strees, and work life balance on employee performance with work loyalty as an intervening variable at Bank Sumut Syariah KCP Katamso Medan. Al iqtishad: Jurnal pemikiran dan penelitian ekonomi islam.
Awaluddin, Asyari, Nuruddin, A., & Siregar, S. (2021). Developmental model of islamic microfinance institution in minangkabau muslim community using Analytical Network Process (ANP). Journal of islamic and social studies, 84-95.
Balahmar, A. R. (2024). Strategi Pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM) Kota Delta. Adbispreneur: Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 1-12.
Bengu, H., Kelin, S., & Hadjon, R. (2024). Penerapan etika bisnis dalam kegiatan UMKM di era digital. Jurnal teknologi informasi, manajemen komputer dan rekayasa sistem cerdas.
Fauziah, S., & Ridho, W. F. (2024). Penguatan Kinerja Usaha Pada UMKM: Peran Knowledge Of Financial Statements dan Entrepreneurial Orientation. Adbispreneur: jurnal pemikiran dan penelitian administrasi bisnis dan kewirausahaan, 31-40.
Herdinata, C., & Pranatasari, F. D. (2020). Aplikasi literasi keuangan bagi pelaku bisnis. Yogyakarta: Deepublish.
Husna, A. W. (2019). Pengaruh pembiayaan mikro syariah terhadap perkembangan Usaha Mikro Kecil dan Menengah (UMKM) pada BMT Agromadani kabupaten rokan hilir. Riau: Universitas Islam Riau.
Imsar, & Harahap, A. A. (2023). Implementasi Pendekatan Ekonomi Manajerial Berbasis Keislaman Dalam Pengembangan Kinerja Bisnis. Hikmah.
Khairani, I., Imsar, & Nasution, M. L. (2023). Analysis of The Contribution of Islamic Social Capital to Increasing MSMEs. Journal of Islamic Economics and Finance Studies, 145-162.
Lubis, C., Nugraha, L., Fitrijanti, T., & Sukmadilaga, C. (2020). Peluang pengusaha mikro dan kecil (UMK) menggunakan layanan digital lembaga keuangan mikro syariah . Jurnal al-qardh.
Lubis, D., Maryam, S., & Hasanah, Q. (2023). The relation between islamic business ethics and the performance of traders in the tradisional market of cipanas. Jurnal beccos, 147-158.
Lubis, I. M. (2024). Pengaruh penerapan etika bisnis islam terhadap kinerja UMKM di kabupaten tapanuli tengah dengan keunggulan kompetitif sebagai variabel mediator. Padang sidimpuan: Universitas Islam Negeri Syekh Alihasan Ahmad Addary.
Lubis, M. B., Siregar, N. K., Maulida, S., Marpaung, W. T., & Marpaung, S. F. (2023). Penerapan etika bisnis islam dalam meningkatkan Usaha Mikro Kecil dan Menengah (UMKM). Madani: Jurnal ilmiah multidisiplin , 93-97.
Miswanto, Arifin, R., & Murniyati, D. (2020). Does Work Commitment Mediates The Effect of Islamic Work Ethic on Performance and Turnover Intention? JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen, 169-187.
Mokosolang, M., Liando, D. M., & Sampe, S. (2021). Pengaruh profesionalisme pegawai terhadap kinerja pegawai dinas kesehatan dalam pencegahan penularan covid-19 di kabupaten. Jurnal governance.
Nawawi, Z. M., Soemitro, A., & Dalimunthe, M. (2022). Women economic empowerment trough sharia micro-finance institutions in indonesia: a qualitative research. Iqtishadia, 255-272.
Nurbaiti, Asmuni, Soemitra, A., Imsar, & Aisyah, S. (2023). Behavior Analysis of MSMEs in Indonesia Using Fintech lending Comparative Study Between Sharia Fintech Lending and Conventional Fintech Lending. JPPI (Jurnal Penelitian Pendidikan Indonesia).
Prayogi, M. A., Asmuni, & Nasution, Y. S. (2023). Islamic work ethic in mediation influence spirituality at workplace, organizational changes, work ability on organizational commitment in sharia bank employees in medan city. Ikonomika: Jurnal ekonomi dan bisnis Islam, 123-150.
Pujiyono, A., & Nugraha, H. S. (2015). Model keuangan mikro syariah untuk meningkatkan kesejahteraan nelayan miskin di Indonesia. Seminar nasional multi disiplin ilmu unisbank. Semarang, Indonesia: Universitas stikubank.
Purnamasari, D., & Salam, A. (2019). Analisis pengaruh pembiayaan mikro syariah terhadap keberhasilan Usaha Mikro Kecil dan Menengah (UMKM). Jurnal institusi politeknik ganesha, 133-146.
Rahmadania, S. E. (2020). Etika bisnis (business ethic) pada PT. TN Jakarta. Jurnal ekonomi manajemen sistem informasi, 426-437.
Siregar, F. R., & Imsar. (2022). Implementasi Marketing Mix Dalam Meningkatkan Konsumen Pada Cafe Hidden Tea (Perspektif Etika Bisnis Islam). Jurnal Pendidikan Tambusai, 16363-16370.
Siregar, R., Ritonga, P., Muda, I., Sumitra, A., & Sugianto. (2023). Professional ethics and responsibilities for business ownership interest, security, or intangible assets in pharmaceutical companies. Journal of pharmaceutical negative results, 1572-1576.
Sulastri, & Iswandi. (2023). Analisis risiko pembiayaan mikro pada bank syariah. Sanskara manajemen dan bisnis (SMB).
Syaharuddin, Hasbi, Wahyudi, Bakhtiar, F., Ahmad, S., & Ilham. (2024). Contribution of Islamic business ethics to increasing humane economic growth. Hongkong journal of sosial sciences.
Syahputra, A., Jannah, N., & Harianto, B. (2024). Implementasi Etika Bisnis Islam Dalam Meningkatkan Kewirausahaan (Studi Kasus Wisma Barbershop). Jurnal Manajemen Bisnis, 812-819.
Turmudi, M. (2017). Pembiayaan mikro BRI Syariah: upaya pemberdayaan dan peningkatan UMKM oleh BRI Syariahcabang kendari. Jurnal studi ekonomi dan bisnis Islam.
Ulandari, A., Rizkiyah, A., Uswatun, C., Ramadani, B., & Yuni, D. E. (2024). Peran pembiayaan mikro syariah dalam pengembangan perdagangan di kehidupan masyarakat. Jurnal ekonomi dan bisnis, 51-59.
Downloads
Published
2025-07-31
How to Cite
Syahfitri, M., Jannah, N., & Syahriza, R. (2025). Analisis Penerapan Etika Bisnis Islam Dan Pembiayaan Mikro Syariah Dalam Mendukung Perkembangan UMKM. Al-Bank: Journal of Islamic Banking and Finance, 5(2), 151–163. https://doi.org/10.31958/ab.v5i2.15841
Issue
Section
Articles
License
Copyright (c) 2025 Mulia Syahfitri, Nurul Jannah, Rahmi Syahriza
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Copyright Notice
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal the right of first publication with the work simultaneously licensed under?áa Creative Commons Attribution-NonCommercial 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
