Universitas Muhammadiyah Sidoarjo
Login


Academia Open

 Submit manuscript
Section Business and Economics

The Impact of KUR Super Mikro on MSME Turnover at Pegadaian Syariah

Dampak KUR Super Mikro terhadap Perputaran Modal Usaha Mikro, Kecil, dan Menengah (UMKM) di Pegadaian Syariah
Vol. 10 No. 2 (2025): December:
DOI : https://doi.org/10.21070/acopen.10.2025.11554
Published : Jul 11, 2025

Muhammad Deffa Ray (1), Muhammad Syahbudi (2), Rahmi Syahriza (3)

(1) Program Studi Perbankan, Universitas Islam Negeri Sumatera Utara, Indonesia
(2) Program Studi Ekonomi Islam, Universitas Islam Negeri Sumatera Utara, Indonesia
(3) Program Studi Ekonomi Islam, Universitas Islam Negeri Sumatera Utara, Indonesia
Fulltext View | Download

Abstract:

General background: MSMEs play a strategic role in driving economic growth and employment absorption in Indonesia. Specific background: However, many MSMEs still face difficulties in accessing formal financing due to high-interest rates and complex requirements, prompting the government to introduce the KUR Super Mikro program through Sharia-based institutions like Pegadaian Syariah. Knowledge gap: Despite its potential, studies analyzing the specific impact of this program on MSME turnover at the branch level remain limited. Aims: This study aims to analyze the impact of the KUR Super Mikro implementation on the turnover of MSMEs at Pegadaian Syariah CPS Ar Hakim. Results: Using a quantitative approach and the Wilcoxon Signed-Rank Test on 78 respondents, the results showed a significant average turnover increase of 79.70% after receiving the financing. Business rotation also improved notably, and all respondents positively assessed the program. Novelty: This study contributes empirical evidence regarding the effectiveness of Sharia-based microfinancing on MSME turnover in a specific Pegadaian branch, which has been rarely studied. Implications: The findings suggest that expanding the KUR Super Mikro program and integrating it with business mentoring is essential to enhance its long-term impact and support MSME sustainability.
Highlight :



  • MSME turnover increased by an average of 79.70% after receiving KUR Super Mikro.

  • The speed of business turnover of MSMEs experienced a significant increase.

  • All respondents stated that the program was very helpful for business development.


Keywords : KUR Super Micro, MSMEs, Pegadaian Syariah, Turnover, Sharia Financing




Downloads

Download data is not yet available.

References

D. Aulia, "Pengaruh Pembiayaan KUR Super Mikro terhadap Pengembangan UMKM pada Nasabah Bank BRI di Kelurahan Lappa," 2021.

J. Ekonomi, A. Soemitra, Z. M. Nawawi, P. Aceh, U. Medan, K. D. Serdang, dan P. S. Utara, "Studi Literatur Implementasi Sertifikasi Halal Produk UMKM," Jurnal Ekonomi, vol. 6, no. 1, pp. 118–125, 2022.

A. A. Fauzia dan M. Yazid, "Pengaruh Pegadaian Syariah terhadap Keberlanjutan Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia," Jurnal Ekonomi Syariah, vol. 6, no. 2, pp. 79–84, 2024.

R. Fitri, A. Afriyanti, dan U. Ulyadi, "Pendampingan Pengembangan UMKM dengan Transformasi ke Bisnis Syariah: Pengurusan NIB & Pembiayaan Pelaku UMKM Kota Padang," Jurnal Pengabdian Undikma, vol. 5, no. 2, pp. 317–324, 2024.

M. A. F. Habib, "Kajian Teoritis Pemberdayaan Masyarakat dan Ekonomi Kreatif," Journal of Islamic Tourism, Halal Food, Islamic Traveling and Creative Economy, vol. 1, no. 2, pp. 82–110, 2021, doi: 10.21274/arrehla.v1i2.4778.

M. Harry, M. Syahbudi, dan J. Nasution, "Development of Sustainable Business Models for Community-Based SMEs in Medan: An Islamic Economic Perspective," Jurnal Ekonomi Islam, vol. 8, no. 3, pp. 1013–1018, 2025.

P. Industri, K. Di, dan K. Makassar, "Ash-Shahabah," Ash-Shahabah: Jurnal Pendidikan dan Studi Islam, vol. 11, pp. 1–14, 2025.

U. Islam, N. Sumatera, dan K. D. Sampe, "Analisis Peranan Kelompok KKN 154 UINSU dalam Membantu Peningkatan UMKM dengan Pendekatan Akuntansi Syariah, Kesehatan serta Kesejahteraan di Desa Sampe Raya Kecamatan," Jurnal Pengabdian kepada Masyarakat, vol. 3, no. 2, pp. 510–519, 2023.

M. Manajemen, S. Pascasarjana, dan U. Sumatera, "Analisis Efektivitas Penyaluran KUR Syariah PT Pegadaian terhadap Perkembangan UMKM (Studi Kasus: PT Pegadaian Cabang Pancur Batu)," Seiko: Journal of Management & Business, vol. 8, no. 1, pp. 193–206, 2025.

B. P. Manihuruk dan E. D. Darmawan, "Analisis Omzet Penjualan pada CV Kaldera Panen Pertiwi di Tengah Pandemi," Eqien: Jurnal Ekonomi dan Bisnis, vol. 8, no. 2, pp. 246–253, 2021, doi: 10.34308/eqien.v8i2.269.

L. Marlinah, "Meningkatkan Ketahanan Ekonomi Nasional melalui Pengembangan Ekonomi Kreatif," Jurnal Cakrawala, vol. 17, no. 2, pp. 258–265, 2017.

M. Mansur, H. Hasnidar, dan A. Adi, "Efektivitas Pembiayaan KUR Syariah terhadap Perkembangan Industri Kreatif di Kota Makassar (Studi Kasus di PT Pegadaian Cabang Bontoala Kota Makassar)," Ash-Shahabah: Jurnal Pendidikan dan Studi Islam, vol. 11, no. 1, pp. 1–14, 2025.

D. Maslachah dan I. Sopingi, "Pembiayaan Usaha Mikro (KUR) pada Bank Syariah," Jurnal Ekonomi Syariah, vol. 3, no. 1, pp. 319–331, 2024.

I. Naja dan D. Fakhriyana, "Implementasi Program KUR Syariah di Pegadaian Pasar Ngabul Jepara untuk Meningkatkan Kesejahteraan UMKM," Jurnal Ekonomi Islam, vol. 2, no. 4, pp. 410–421, 2024.

M. I. Nasution, M. Syukri, A. Nasution, dan N. Ahmadi, "Marketing Strategical Analysis of Products UMKM Markets with TOL," Jurnal Ekonomi dan Bisnis, vol. 12, no. 1, pp. 390–395, 2024.

R. A. Pasaribu dan A. P. Indra, "Peran Bank Pembiayaan Rakyat Syariah (BPRS) dalam Pengembangan UMKM di Indonesia (Studi Kasus pada Bank Pembiayaan Rakyat Syariah Serambi Mekah, Langsa)," Jurnal Ekonomi dan Keuangan Islam, vol. 4, pp. 13524–13539, 2024.

D. I. Pt, P. Syari, A. H. Unit, dan K. Baru, "The Effect of People’s Business Credit Financing on the Income of Small and Medium Micro Enterprises at PT Pegadaian Sharia Unit Karang Baru," Jurnal Ekonomi dan Bisnis Islam, vol. 7, pp. 4206–4220, 2024.

V. Restiani, S. N. Marzuki, dan J. Jumriani, "Penyaluran Pembiayaan KUR Syariah dalam Upaya Penambahan Modal Guna Keberlangsungan Usaha Mikro Kecil Menengah (UMKM) pada PT Pegadaian UPC Mare," Mutiara: Multidisciplinary Scientific Journal, vol. 2, no. 5, pp. 385–401, 2024, doi: 10.57185/mutiara.v2i5.189.

M. Syahbudi, R. R. Armayani, dan K. Tambunan, "Pengembangan Koperasi Syariah Melalui Business Canvas: Gagasan dalam Pengembangan Masjid," Jurnal Ekonomi Islam, vol. 1, no. 2, pp. 46–54, 2024.

A. K. Strategi, D. Visi, dan D. A. N. Misi, "Faktor-Faktor Penentu Keberhasilan," Jurnal Ekonomi dan Bisnis Islam, vol. 3, no. 6, pp. 68–75, 2010.

E. Taria, T. I. Husen, dan U. T. Umar, "Pengaruh Pemberian Pembiayaan KUR Syariah terhadap Peningkatan Omzet UMKM: Studi Kasus PT Pegadaian Syariah Sinabang," Regress: Journal of Economic and Management, vol. 2, no. 2, pp. 297–304, 2022.

P. UMKM, S. Halal, D. I. Medan, dan S. Utara, "No Title," Jurnal Ekonomi Islam, vol. 7, no. 9, 2022.

R. Utari, I. Harahap, dan M. Syahbudi, "Penerapan SAK EMKM pada Usaha Mikro," JIAKES: Jurnal Ilmu Akuntansi, Ekonomi dan Sosial, vol. 10, no. 3, 2022, doi: 10.37641/jiakes.v10i3.1449.