STRATEGI PERBANKAN PADA PEMBIYAAN BAGI UMKM HALAL SME “SMALL MEDIUM ENTERPRISE” DI BANK MUAMALAT INDONESIA KCP PAGAR ALAM PERIODE 2021-2023

Asma, Dewi Saptanur (2025) STRATEGI PERBANKAN PADA PEMBIYAAN BAGI UMKM HALAL SME “SMALL MEDIUM ENTERPRISE” DI BANK MUAMALAT INDONESIA KCP PAGAR ALAM PERIODE 2021-2023. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Tingkat persaingan Bank Syariah semakin meningkat daya saing perusahaan, lembaga keuangan, termasuk lingkup perbankan syariah.. Oleh karena itu bank memberikan dan pengemabangan untuk para pelaku usaha, seperti UMKM halal, lembaga pendidikan, rumah sakit-rumah sakit untuk melakukan kerja sama pada kategori modal kerja yang disebut SME (Small Medium Enterprise). Tujuan penelitian ini untuk mengetahui strategi Bank Muamalat pada pembiyaan bagi UMKM halal Small Medium Enterprise di Kantor Cabang Pembantu Pagar Alam. Peneliti ini menggunakan pendekatan kualitatif, dengan metode pengumpulan data yang digunakan, yaitu observasi, wawancara, dan dokumentasi. Populasi dalam penelitian ini staff Kantor Cabang Pagar Alam yang berhubungan dengan marketing, Nasabah produk pembiyaan tersebut. Dan sampel dalam penelitian menggunakan purposive sampling dan sampling jenuh. Metode analisa data reduction (redaksi data), dan conclusion drawing (verifikasi). Hasil penelitian menunjukkan bahwa strategi yang diterapkan Bank Muamalat baik kantor Cabang atau Utama untuk pembiyaan bagi UMKM halal Small Medium Enterprise di Pagar Alam pada periode 2021-2023, yaitu pihak bank menghubungi nasabah existing atau menawarkan kepada new customer muamalat, yaitu lingkung UMKM halal, Lembaga pendidikan Muhamadiyyah, dan Rumah Sakit-Rumah Sakit, serta penerapan digitalisasi virtual kepada nasabah dengan data base dan proselling, serta penggunaan analisa 5C (Character, Capacity, Collateral, dan Condition of Economy), kemudian dengan strategi bauran pemasaran (Marketing Mix) dalam pencapaian target nasabah Bank Muamalat Indonesia Tbk. Kantor Cabang Pembantu Z.A Pagar Alam. ABSTRACT The level of competition for Sharia Banks is increasing the competitiveness of companies, financial institutions, including the scope of sharia banking. Therefore, banks provide and develop business actors, such as halal SME, educational institutions, hospitals to collaborate in the capital category. work which is called SME (Small Medium Enterprise). The aim of this research is to determine Bank Muamalat's strategy for financing halal Small Medium Enterprise MSMEs at the Pagar Alam Sub-Branch Office. This researcher used a qualitative approach, with data collection methods used, namely observation, interviews and documentation. The population in this study were Pagar Alam Branch Office staff who were related to marketing, customers of these financing products. And the sample in the research used purposive sampling and saturated sampling. Data reduction analysis methods (data redaction), and conclusion drawing (verification). The research results show that the strategy implemented by Bank Muamalat, both branch and main offices, for financing halal Small Medium Enterprise SME in Pagar Alam in the 2021- 2023 period, is that the bank contacts existing customers or offers to new Muamalat customers, namely the halal SME environment, institutions Muhamadiyyah education, and hospitals, as well as the application of virtual digitalization to customers with data base and sales, as well as the use of 5C analysis (Character, Capacity, Collateral, and Condition of Economy), then with a marketing mix strategy (Marketing Mix) in achieving target customers of Bank Muamalat Indonesia Tbk. Z.A Pagar Alam Sub-Branch Office.

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