Peran Program Tepat Pembiayaan Syariah dalam Pemberdayaan UMKM Ibu Rumah Tangga (Studi Kasus di Desa Padang Cermin, Kecamatan Selesai)

Abstract

Padang Cermin Village is one of the villages that has been empowered by BTPN Syariah through the Tepat Pembiayaan Syariah Program since 2017 and is still being implemented today. The target of the program is productive underprivileged women. The economic activities carried out by most of the people of Padang Cermin Village require capital assistance from this program in developing their businesses to improve the family economy. The focus of this research is to determine the role of Bank BTPN Syariah in empowering MSME housewives through the Tepat Pembiayaan Syariah Program in Padang Cermin Village, Selesai District. This research used a qualitative method with a descriptive approach which was carried out in Padang Cermin Village, Finish District. Data collection techniques include interviews, observation and documentation. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions. The results of the research show that the role of the Tepat Pembiayaan Syariah program in empowering MSMEs for housewives can improve the economy of housewives who are BTPN Syariah customers in Padang Cermin Village, Selesai District. This economic improvement is proven by 4 customers whose income increased by an average of two times after participating in the Tepat Pembiayaan Syariah program. This economic improvement certainly has a big impact on the welfare of customers' families.