DEVELOPMENT OF MICRO, SMALL AND MEDIUM ENTERPRISES (UMKM) BASED ON ISLAMIC BANKING IN THE CHIP INDUSTRY IN KELAYAN VILLAGE, SOUTH BANJARMASIN SUB-DISTRICT, BANJARMASIN CITY

Abstract

The purpose of this study was to determine the strategies, constraints, and benefits in the development carried out by MSMEs in the Chips industry in Kelayan Village, Banjarmasin City based on Islamic banking. This type of research is qualitative with a descriptive approach. Primary data were obtained through interviews with informants, while secondary data included profiles of chips industry centers in Kelayan Village, Banjarmasin City and other supporting data. Based on the research that has been done, it can be concluded that the development strategy carried out by the Chips Industry UMKM in Kelayan Village, Banjarmasin City is to apply for capital financing to Bank BRI Syariah KCP Banjarmasin. The obstacles faced in the development of MSMEs in the chip industry are heavy collateral, application requirements that are rejected because they are not bona fide, and MSME actors who are not disciplined in paying installment interest. Microfinance provided by BRI Syariah KCP Banjarmasin for additional business capital can increase the income received by MSMEs in the chip industry and keep MSME businesses running.