PERAN BANK PEMBIAYAAN RAKYAT SYARIAH DALAM PENGEMBANGAN UMKM DAN AGRIBISNIS PEDESAAN DI SUMATERA BARAT

• Main Author: Sri Maryati
• Format: Article
• Language: Indonesian
• Published: STKIP PGRI Sumatera Barat 2014-10-01
• Series: Economica
• Subjects: SMEs; Agribusiness; finance; business development and BPRS
• Online Access: http://ejournal.stkip-pgri-sumbar.ac.id/index.php/economica/article/view/231/pdf_45

Micro, Small and Medium Enterprises (SMEs) is one component of businesses that have a large contribution in creating jobs in Indonesia . Therefore, the existence of Micro, Small and Medium Enterprises ( SMEs ) is very important people who have limited economic resources and skills. This business is a means to earn a living , and develop potential or skills they possess. One type of business that SMEs have an important role in the economy of the community in West Sumatra is agribusiness. This business was instrumental in encouraging the agricultural sector, which has the largest contribution with the average contribution of 23.81% of GDP over the period 2018-2012. Agribusiness development must also be able to boost farmers' income. In conducting its business SMEs often experience difficulties and obstacles, including the issue of marketing, capital, and management. Approximately 57% of micro and small businesses in Indonesia have difficulty in carrying out its business, the main difficulty encountered is the difficulty of capital that is equal to 31.11%, raw material difficulties of 24.80%, and 24.60% of the marketing difficulties (Central Bureau of Statistics,2010) One of the sources of financing that can assist SMEs in overcoming the problem of capital is BPRS. This study aims to analyze the role of BPRS in the development of SMEs in general and rural agribusiness, especially in West Sumatra