PERAN USAHA KECIL MENENGAH DALAM MENINGKATKAN KESEJAHTERAAN MENURUT PERSPEKTIF EKONOMI ISLAM

Abstract

Netty Bakery Cake Business still needs innovations in all aspects, both in the production process, marketing, design, workforce, capital and government support. The formulation of the problem is (a) What is the role of Micro, Small and Medium Enterprises (MSMEs) in improving welfare according to the perspective of Islamic economics. (b) What are the inhibiting and supporting factors of Micro, Small and Medium Enterprises.
The research method in this study is a qualitative descriptive analysis method, namely by the author describing the problem based on existing data and then analyzing it further to draw conclusions. Informants in this study were carried out using purposive sampling by selecting informants who met the criteria including MSME business owners, employees, the community/customers. Data collection in this study was carried out using several techniques, namely Observation, Interviews and Documentation.
The results of the study stated that (a) the most visible role of MSMEs is in terms of labor absorption which can help improve the community's economy. Furthermore, MSMEs play a very important role in community welfare and increase the income of the surrounding community so that they can meet daily needs. MSMEs in the view of Islamic economics are permissible according to the rules of muamalah, everything is permissible unless there is a prohibition in the Qur'an and Hadith. (b) Internal factors that are obstacles such as limited capital, creativity, inefficient business management, human resource management, weak business networks, understanding of technology, still using old machines or tools. While external factors that can hinder MSMEs include frequent power outages, rare and expensive raw materials for making cakes, Rupit is often flooded so that it affects the distribution of finished cakes, licensing problems, Government Policy, Free Trade, Short Lifetime Product Nature, and Limited Market Access. While inhibiting factors can be said to be risks. Business risk is the potential for company problems that can cause losses. Therefore, business actors must be able to recognize risks, causal factors, and how to overcome them. Although unavoidable, business risks can be tracked and how to resolve them planned.