ANALISIS PERAN LEMBAGA KEUANGAN SYARIAH DALAM MENINGKATKAN INKLUSI KEUANGAN MASYARAKAT BERPENGHASILAN RENDAH MELALUI PEMBIAYAAN MIKRO BERBASIS AKAD MURABAHAH DAN MUDHARABAH

Rismanto Rismanto

doi:10.32806/currency.v4i1.998

Authors

Rismanto Rismanto STAI Muafi Sampang

DOI:

https://doi.org/10.32806/currency.v4i1.998

Keywords:

Inklusi Keuangan, Lembaga Keuangan Syariah, Murabahah, Mudharabah, Pembiayaan Mikro.

Abstract

Penelitian ini bertujuan untuk menganalisis peran lembaga keuangan syariah dalam meningkatkan inklusi keuangan masyarakat berpenghasilan rendah melalui pembiayaan mikro berbasis akad murabahah dan mudharabah. Inklusi keuangan merupakan elemen penting dalam pembangunan ekonomi yang inklusif dan berkeadilan, terutama bagi kelompok rentan yang selama ini belum tersentuh layanan keuangan formal. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei dan teknik analisis regresi linear berganda. Sampel terdiri dari 120 responden yang merupakan nasabah aktif lembaga keuangan syariah di wilayah penelitian. Hasil penelitian menunjukkan bahwa peran lembaga keuangan syariah, pembiayaan murabahah, dan pembiayaan mudharabah secara simultan berpengaruh signifikan terhadap peningkatan inklusi keuangan. Akad murabahah lebih dominan digunakan karena menawarkan kejelasan dan kepastian cicilan, sedangkan akad mudharabah memiliki potensi besar dalam pengembangan usaha, meskipun masih memerlukan pendampingan intensif. Penelitian ini menggarisbawahi pentingnya optimalisasi fungsi sosial dan ekonomi lembaga keuangan syariah sebagai motor penggerak pemberdayaan masyarakat berpenghasilan rendah melalui akses keuangan yang adil, etis, dan sesuai syariah.

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