EKSPLORASI PEMBIAYAAN USAHA MIKRO IB MUAMALAT DALAM MENINGKATKAN PENDAPATAN PELAKU UMKM PADA BANK MUAMALAT KCP SUMENEP

Abstract

This study examines the role of Sharia microfinance (Bank Muamalat’s iB financing) in improving the income of MSME actors at Bank Muamalat KCP Sumenep. A qualitative-descriptive method with field research was employed, involving interviews and observations with bank managers and MSME entrepreneurs. The findings indicate that iB Muamalat financing (e.g. mudharabah, murabahah, musyarakah) provides significant capital injection to MSMEs, boosting business expansion and income growth. Most interviewed entrepreneurs reported increased sales turnover and business scale after receiving financing. These outcomes align with Shariah economic principles: equitable financing without usury can empower micro-entrepreneurs. Thus, Sharia microfinance via Bank Muamalat effectively enhances MSME welfare, though further efforts in financial literacy and support are recommended to maximize its impact.