ABSTRAK
Dalam perekonomian Indonesia, Usaha Mikro, Kecil, dan Menengah (UMKM)
adalah kelompok usaha yang memiliki jumlah paling besar. Selain itu, kelompok
ini terbukti tahan terhadap berbagai macam goncangan krisis ekonomi. Maka
sudah menjadi keharusan untuk melakukan penguatan kelompok UMKM yang
melibatkan banyak kelompok karena sector UMKM memiliki kontribusi yang
besar dalam penyerapan tenaga kerja, mengembangkan sektor UMKM akan
dapat menyerap lebih banyak lagi tenaga kerja yang ada dan tentu saja akan
dapat meningkatkan kesejahteraan para pekerja yang terlibat di dalamnya
sehingga dapat mengurangi angka pengangguran Dan pada akhirnya akan dapat
digunakan untuk mengurangi kemiskinan. Kriteria usaha yang termasuk dalam
UMKM telah diatur dalam payung hukum berdasarkan undang-undang.
Penelitian ini bertujuan untuk mengetahui peranan Perbankan Syariah dalam
Mendorong Usaha Mikro Kecil dan Menengah ( UMKM ) di Bank Syariah
Indonesia (BSI) kc. Ahmad Yani Kota Bogor pada masa Pandemi Covid 19.
Penelitian ini menggunakan Metode kualitatif deskriptif dan data yang digunakan
dalam penelitian ini adalah data primer. Penelitian ini menggunakan teknik
pengumpulan data melalui studi pustaka dan wawancara. Istrument yang
digunakan dalam data primer yaitu wawancara dengan satu narasumber dari
pihak Bank Syaria Indonesia Kc Ahmad Yani Kota Bogor. Responden
mengungkapkan bahwa Peran Perbankan Syariah khususnya Bank Syariah
Indonesia Kc. Ahmad Yani sangat berperan penting dalam mempertahankan
UMKM dimasa pandemi Covid-19 seperti sekarang karena membantu
menyalurkan program pemerintah yaitu KUR ( Kredit Usaha Rakyat ),
Memberikan relaksasi atau keringanan kepada pengusaha yang terdampak covid
19 dan mempermudah proses pembiayaan bagi para pengusaha. Yang dimana
telah ditetapkan oleh pemerintah melalui peraturan PJOK no 11 tahun 2020.
Kata Kunci: Usaha Mikro kecil dan Menengah, Perbankan Syariah, Covid
19

ABSTRACT
In the Indonesian economy, Micro, Small and Medium Enterprises (MSMEs) are
the business groups that have the largest number. In addition, this group has
proven to be resistant to various kinds of shocks to the economic crisis. So it is
imperative to strengthen the UMKM group which involves many groups because
the UMKM sector has a big contribution to workforce absorption, developing the
UMKM sector will be able to absorb more existing workers and of course it will
be able to improve the welfare of the workers involved in the workforce. in it so
that it can reduce the unemployment rate And in the end it will be used to reduce
poverty. The criteria for businesses that are included in MSMEs have been
regulated in a legal umbrella based on law. This study aims to determine the role
of Islamic Banking in Encouraging Micro, Small and Medium Enterprises
(MSMEs) in Indonesian Sharia Banks (BSI) kc. Ahmad Yani Kota Bogor during
the Covid Pandemic 19. This study used a descriptive qualitative method and the
data used in this study were primary data. This study uses data collection
techniques through literature study and interviews. The instrument used in the
primary data is an interview with a source from Bank Syaria Indonesia Kc Ahmad
Yani, Bogor City. Respondents revealed that the Role of Islamic Banking,
especially Islamic Bank Indonesia Kc. Ahmad Yani played an important role in
maintaining MSMEs during the Covid-19 pandemic as now because he helped
distribute government programs, namely KUR (People's Business Credit),
Providing relaxation or relief to entrepreneurs affected by Covid-19 and
facilitating the financing process for entrepreneurs. Which has been determined
by the government through PJOK regulation no 11 of 2020.
Keywords: Micro, small and medium enterprises, Islamic banking, Covid-19

ABSTRACT
In the Indonesian economy, Micro, Small and Medium Enterprises (MSMEs) are
the business groups that have the largest number. In addition, this group has
proven to be resistant to various kinds of shocks to the economic crisis. So it is
imperative to strengthen the UMKM group which involves many groups because
the UMKM sector has a big contribution to workforce absorption, developing the
UMKM sector will be able to absorb more existing workers and of course it will
be able to improve the welfare of the workers involved in the workforce. in it so
that it can reduce the unemployment rate And in the end it will be used to reduce
poverty. The criteria for businesses that are included in MSMEs have been
regulated in a legal umbrella based on law. This study aims to determine the role
of Islamic Banking in Encouraging Micro, Small and Medium Enterprises
(MSMEs) in Indonesian Sharia Banks (BSI) kc. Ahmad Yani Kota Bogor during
the Covid Pandemic 19. This study used a descriptive qualitative method and the
data used in this study were primary data. This study uses data collection
techniques through literature study and interviews. The instrument used in the
primary data is an interview with a source from Bank Syaria Indonesia Kc Ahmad
Yani, Bogor City. Respondents revealed that the Role of Islamic Banking,
especially Islamic Bank Indonesia Kc. Ahmad Yani played an important role in
maintaining MSMEs during the Covid-19 pandemic as now because he helped
distribute government programs, namely KUR (People's Business Credit),
Providing relaxation or relief to entrepreneurs affected by Covid-19 and
facilitating the financing process for entrepreneurs. Which has been determined
by the government through PJOK regulation no 11 of 2020.
Keywords: Micro, small and medium enterprises, Islamic banking, Covid-19