IMPLEMENTASI PRINSIP-PRINSIP EKONOMI SYARIAH DALAM PENGELOLAAN KEUANGAN UMKM DI INDONESIA
Keywords:
Sharia economics, MSMEs, financial management, usury, Sharia financingAbstract
This research aims to analyze the implementation of sharia economic principles in financial management of MSMEs in Indonesia. The main principles that are focused on are the prohibition of usury, gharar and maisir, as well as the implementation of halal transactions and justice. The research method used is qualitative with a descriptive approach, involving in-depth interviews with MSMEs and sharia financial institutions. The research results show that the majority of MSMEs have begun to apply sharia economic principles, especially in terms of profit sharing-based financing and cash flow management. However, challenges such as minimal understanding of sharia economics, limited access to sharia financial institutions, and lack of education are the main obstacles. Nevertheless, major opportunities such as better business sustainability, increased consumer trust, and the attraction of ethical-based investment provide positive potential for the development of MSMEs. This research recommends increasing education, expanding access to sharia financial services, as well as policy support to strengthen the implementation of sharia economics in the MSME sector
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