Reality MSMEs and Reorientation Islamic Banks
A group of people or individuals with all his effort, trying in the field of economy in a very limited scale, that is what is called the SME (Small and Medium Enterprises). There are many factors that limit the movement of MSME business. The main factors that affect their movement is limited difficulty of access to education, capital, and technology. However in objective reality, with all its limitations, the SMEs still able to survive in the storm of economic crisis.

If traced in depth, proved the existence of SMEs supported by the flexibility of their respective fields of business, whether starting from a small capital, simplicity of technology, limited human resources in quality and quantity, as well as the limited market. Such characteristics are also supported with a high morale to maintain self-esteem.

Most businesses SMEs in Indonesia that have shaped its own characteristics in accordance with the reality of the Indonesian economy. They run businesses can stand on their own feet and be independent without having a group or under other corporate groups. Most production is not a service but the goods using relatively low technology. The orientation focused on the local market so that any location in rural or suburban. Their capital is also limited, and that certainly was a very difficult business to get loans or financing from banks, in other words unbankable category.

While occupying the foundations of economic structures and Indonesia became the driving force of economic development, but received capital support MSMEs are still minimal. In such circumstances, financial assistance, technology, and management for the development of their institutional capacity is needed. One unique thing that currently found in the MSMEs is their commitment and concern for morality. At the time of the big businessmen and tycoons busy-busy doing all kinds of business crimes that violate the law, people working in the field of MSME clung to business ethics and morality. By looking at the contribution of SMEs and the urgency of the nation's economic development, so it's natural to sharia banking industry reorientation to focus on the real sector by empowering the SME entrepreneurs.

The role of Islamic banking in the real sector development can be seen from the scheme developed in the Islamic bank financing, but in the real contributions donated by Islamic banks through his duties as a financial intermediary institutions. Viewed from the financing scheme that was developed, only Islamic banks to channel funding to the real sector. Business dynamics that occur in the real sector will be reflected directly in Islamic banking activities. In channeling financing, Islamic banks use the akad-akad which is always associated with the real sector and financial sector growth simply follow the growth of real sector.

Financing with akad murabaha, greetings, and can only be channeled ijara if there is a good or service (real sector) that are funded. Even with the covenant Musharaka financing / mudaraba, not only channeled to finance the real sector, but also made perfect correlation between the cost of capital with return on capital. This is obviously very different from a lot of conventional banks are not disbursing credit to the real sector, namely to speculation in financial markets. Islamic banks are not based banking financial sector as conventional banks. Instead, Islamic banks are based banking real sector.

Most conventional bank funds are not having an impact on the growth of real sector since bought SBI (Bank Indonesia Certificate) to obtain revenue without the risk of interest rates. What's worse, a large number of conventional bank loans used for speculation in financial markets, or at least can be said, are not used to encourage the growth of real sector.

Islamic Banking Services for SMEs
Some things that can be provided by Islamic Bank for SMEs, to do with the achievement of targets and the vision above, among others: First, extensive alternative products with the result as the main product. Products with a system of profit and loss sharing partnership is appropriate paradigmatic to empower MSMEs. Second, business management based on moral and transactions in accordance with Islamic principles. This Keungggulan matched to the characteristics of people engaged in the MSMEs, who want to stick firmly to business ethics and morality. Third, manage and have access to funds in the voluntary sector. This is in accordance with the commitment of Islamic Banking concerned with the development of SMEs as part of poverty alleviation through economic instruments of Islam (Zakat, infak, Sadaqah, Endowments).

Is applicable, the concept of the above services can be implemented by the Bank Syariah through strategic programs as follows: First, Islamic banks to give top priority to serve the financing of SMEs. Financing SME segment itself can be executed directly by the branch offices of banks or do Channeling sharia or joint financing with the BPRS and BMT through linkage programs. But according to World Bank findings, the most appropriate approach for SMEs is that Microfinance Institutions here Sharia bank linkage programs with LKMS be optimized to reach SMEs.

Islamic Bank Linkage Program with BMT. This partnership program is the most important step because the condition of SMEs (small-scale, limited collateral, no legal status, remote location, and the administration is weak) is very difficult to reach by the Bank Syariah (high costs, high risks, legal requirements, difficult to reach, and the difficulties business rate). Existence LKMS as BMT is indispensable as a mediation between the SME sector with the Bank Syariah. This is because the characteristics of the BMT is matched with the needs of SMEs, which provide savings services, financing, payments, deposits; focus to serve SMEs; using the procedures and mechanisms for contextual and flexible; and was in the midst of a small or rural communities. BMT as a representative of the Islamic Bank to channel financing has been mandated to him so that his own Islamic Bank need not fear taking a huge risk.

The second program, the pilot project as well as the development of SMEs empowerment scheme or sharia investment models for SMEs. With this pilot project, will appear a good example and proves that the Islamic financing scheme is very beneficial and equitable. Islamic Banking can also jump directly handle mudaraba and musharaka financing with joint responsibility. As a first step of the pilot project, Bank Syariah can work with BMT to declare the agenda of "one SME, one superior product". This can improve the competitiveness of SMEs and encourage them to continue to innovate. The project was conducted by mentoring and education, especially in the management aspects of shari'a schemes and paradigms for the system.

Furthermore, the Third, the Islamic Banking Program Human Care and Development Sector Voluntary Blueprint Sharia. Through the ability to access and manage the social funds, Bank Syariah should make the stages and strategic steps to optimize the potential of social funds and more capable memproduktifkannya. To raise funds, for example, Bank Syariah can mewacanakan issues of social philanthropy to its customers or perhaps even implement CSR (Corporate Social Responsibility). Through the development of products qardhul hasan, Bank Syariah can reduce the difficulties experienced by SMEs that experienced natural disasters or natural disaster. Grants, gifts, or free assistance in the form of equipment or business can be conducted insfratruktur as a manifestation of concern to the people of Islamic Banking.

Fourth, improving SMEs capacity building by providing technical assistance in the form of management assistance, SOP standardization, the use of IT systems, and marketing products. This increased effort may involve relevant departments of the cooperatives and SMEs, industry and trade, as well as PNM SOEs or even NGOs in their respective fields.

Poverty alleviation programs through the empowerment of SMEs who became one of the mission of Islamic banks today will not by itself make the community prosper, as long as there has been no effort to remove barriers simultaneously the source of problems in the development of small and micro businesses. Barriers should be eliminated in pelaksanakan efficiency, increase output quality, reduction of unemployment, increasing rural incomes, and reduce the gap between the rich and the poor. For that, the Government must be able to make policies that do not harm the perpetrator parties small and micro businesses in the attempt. Unfair regulation will cause reduced output, increased reliance on imports, reduction in export competitiveness, and pressing the lower income communities both rural and urban, so the development of small and micro businesses and social welfare in the area are difficult to materialize.

This classic is always questioned why the perpetrators of micro and small businesses can not grow is not the availability of funding sources (financial) as capital to run its business. Actually it is not enough funding to develop a business. If we look at periods of the previous government, how much funding assistance programs (financial) loans are disbursed in the form of government to develop a variety of businesses that do not bring results, but instead make efforts have run into bankruptcy because it is unable to compete in developing a business that is not can repay their loans. The main cause of the failure of these programs, is not running an equal partnership between the stakeholders involved in the program, in addition to other reasons.

Therefore, Bank Syariah should take lessons from programs that have been made in the past. Programs that have succeeded, can be taken advantage by the Bank of sharia by reducing the weaknesses that caused the end of the program. All stakeholders need to be aware of development, that is currently developing an economic system based on the values of the Islamic Sharia as an alternative to the system running right now. Prevailing economic system currently can not solve the perceived problems of distribution are not well balanced and widen the gap between the rich and the poor. Thus, in a development program for the public welfare, have also examined the concepts of Islamic economy as an alternative solution of the prevailing economic system so far.

However, the most important of all the above programs is the lack of awareness of Islamic Banking own party to be a friendly bank to MSMEs. For that to be realized in concrete terms, the commitment of sharia banking in microfinance development, particularly by ensuring the allocation of significant funds in the banking business-plan is for the micro entrepreneurs. Thus, can actually channeled through Islamic microfinance institutions have proven integrity and capability.

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