SUSTAINABILITY LEMBAGA KEUANGAN MIKRO SYARIAH DI INDONESIA

Authors

  • Muhammad Hanif Nurrasyid Universitas Djuanda
  • Anas Alhifni Universitas Djuanda
  • Tuti Kurnia Universitas Djuanda

DOI:

https://doi.org/10.30997/al-kaff.v3i5.21776

Keywords:

Dana Syirkah Temporer, Keberlanjutan, LKMS, Modal Disetor, Murabahah, Pembiayaan Mudharabah, Tabungan Wadiah

Abstract

Lembaga Keuangan Mikro Syariah (LKMS) memiliki peran strategis dalam mendukung inklusi keuangan syariah dan meningkatkan kesejahteraan masyarakat berpenghasilan rendah. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi keberlanjutan (sustainability) LKMS di Indonesia dengan menggunakan metode regresi berbasis data runtut waktu (time series). Variabel dependen dalam penelitian ini adalah Dana Syirkah Temporer, dengan empat variabel independen yaitu Pembiayaan Murabahah, Modal Disetor, Tabungan Wadiah, dan Pembiayaan Mudharabah. Hasil penelitian menunjukkan bahwa pembiayaan murabahah merupakan faktor dominan yang mendukung keberlanjutan, sementara modal disetor tidak berpengaruh karena LKMS lebih bergantung pada penghimpunan dana masyarakat. Tabungan wadiah mencerminkan tingkat kepercayaan masyarakat, sedangkan pembiayaan mudharabah memberikan peluang bagi pengembangan usaha produktif. Secara keseluruhan, keberlanjutan LKMS ditentukan oleh efektivitas pengelolaan produk keuangan syariah dan kemampuan lembaga dalam memperkuat kepercayaan masyarakat. Secara keseluruhan, penelitian ini menegaskan bahwa keberlanjutan LKMS di Indonesia sangat dipengaruhi oleh efektivitas pengelolaan produk keuangan syariah serta kemampuan lembaga dalam memperkuat kepercayaan masyarakat. Temuan ini memberikan implikasi penting bahwa strategi penguatan LKMS perlu diarahkan pada pengembangan produk pembiayaan yang sesuai kebutuhan dan optimalisasi penghimpunan dana yang berkelanjutan.

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Published

2025-10-17

How to Cite

Hanif Nurrasyid, M., Alhifni, A., & Kurnia, T. (2025). SUSTAINABILITY LEMBAGA KEUANGAN MIKRO SYARIAH DI INDONESIA. AL - KAFF: JURNAL SOSIAL HUMANIORA , 3(5), 445–453. https://doi.org/10.30997/al-kaff.v3i5.21776

Issue

Vol. 3 No. 5 (2025): AL - KAFF: Jurnal Sosial Humaniora

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Articles

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