Empowering Islamic MSMES Through Digital Inclusion

Muzayyinatul Hamidia; Fadllan Fadllan; Sri Nurma Ningsih

doi:10.18326/aicieb.v5i-.796

Muzayyinatul Hamidia Universitas Islam Negeri Madura
Fadllan Fadllan Universitas Islam Negeri Madura
Sri Nurma Ningsih Universitas Islam Negeri Madura

DOI: https://doi.org/10.18326/aicieb.v5i-.796

Abstract

Abstract. This study aims to highlight empowering Islamic Micro, small, medium enterprises (MSMES) through digital inclusion. To produce comprehensive insights. Micro, small, medium enterprises according to the law of the Republic of Indonesia No. 20 of 2008 is a productive business owned by individuals and or individual business entities that fulfill the criteria for micro businesses as regulated in this Law. Technologies, such as the internet, mobile devices, and cloud computing, have created new opportunities and challenges for companies across various industries. Digital inclusion refer to availability of digital access such as digital business model. The method used in this research is a qualitative approach with a descriptive design and library research, which examines literature related to the empowering Islamic MSMES through digital inclusion. This study analyzes the characteristic of MSMEs, types of digital business models, and types of Islamic banks which empowering Islamic MSMEs. The research results show that the characteristic of MSMEs is Micro Enterprises are businesses that meet the following criteria: a) have assets of up to IDR 50 million, excluding land and buildings for business premises, b) Have an annual turnover of up to IDR 300 million. Small Enterprises are businesses that meet the following criteria: a) Have assets of more than IDR 50 million to IDR 500 million, excluding land and buildings for business premises, b) Have an annual turnover of more than IDR 300 million to IDR 2.5 billion. Medium Enterprises are businesses that meet the following criteria: a) Have assets of more than IDR 500 million to IDR 10 billion, excluding land and buildings for business premises, b) Have an annual turnover of more than IDR 2.5 billion to IDR 50 billion. Types of Digital Business Models are types of Business platforms like Tokopedia and Shopee allow sellers and buyers to interact directly. This model relies on a large user base and offers a variety of products and services. Types of Islamic Bank that empowering Islamic MSMES are Sharia Commercial Bank (BSI or Bank Syariah Indonesia) and (Baitul Maal Wat Tamwil (BMT).

Keywords: Empowering, Islamic MSMEs, Digital inclusion

References

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