The Financing Role of Sharia Banks Toward the Development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia on Era Revolution Industry 4.0

摘要

The development of the sharia banking sector in Indonesia is growing rapidly. The presence of sharia banks has a positive impact on the growth of the real sector, especially MSMEs. This is because mudharabah and musyarakah pattern is a direct investment pattern in the real sector. The Industrial Revolution 4.0 is dominated by connectivity between humans, machines and other resources that are increasingly converging through information and communication technology. Therefore, the business sector must adapt to Industry 4.0 is no exception for MSMEs. This study aims to analyze the financing of sharia banks toward MSMEs in Indonesia, analyzing the development of MSMEs in Indonesia and analyzing MSME opportunities in Indonesia at the Industrial Revolution era 4.0. This study is a descriptive study with a qualitative approach. The results of this study show that: The financing of Islamic banks for MSMEs for both capital and consumption has increased over the years. This shows the government's attention in MSMES is huge. This is because MSMEs are able to survive during the economic crisis. The development of MSMEs in Indonesia has continued to improve. Opportunities for MSMEs in Indonesia in the Era of Industrial Revolution 4.0 include: First, MSMEs can operate effectively and efficiently, and their products are quality. Second, For entrepreneurs in Indonesia has the potential to improve its business performance. To become a new entrepreneur is very easy. No need for big capital anymore, partnership patterns can be made.