Koperasi Sebagai Rantai Pasok Keuangan Dengan Konsep Gadai: Strategi Pemberdayaan Usaha UMKM
DOI:
https://doi.org/10.58192/ebismen.v2i1.646Keywords:
Gadai syariah; Koperasi syariah; Supply chain financeAbstract
Koperasi merupakan salah satu model usaha bersama yang dikelola oleh anggota dan untuk kesejahteraan bersama. Koperasi sebagai unit usaha otonom mampu berperan dalam berbagai skala ekonomi, termasuk sebagai rantai pasok keuangan dalam ekosistem usaha kecil dan menengah (UMKM). Penelitian ini mengkaji berbagai jenis artikel yang terkait dengan koperasi sebagai rantai pasok keuangan dengan konsep gadai dari berbagai artikel jurnal nasional dan internasional sejak tahun 2018 hingga tahun 2022. Tujuan utama makalah ini adalah meneliti tren, peluang dan kendala rantai pasok keuangan dengan wujud koperasi berbasis gadai syariah. Dengan menggunakan analisis statistik deskriptif dari 50 artikel jurnal nasional, 74% atau 34 jurnal sudah mengemukakan peran koperasi sebagai rantai pasok pembiayaan, 16% atau 8 artikel fokus pada peran gadai dalam pembiayaan UMKM. Selebihnya, sebanyak 6% dan 4% menjelaskan peran koperasi, UMKM dalam perekonomian. Hasil penelitian ini menunjukkan bahwa koperasi sebagai rantai pasok keuangan merupakan strategi pemberdayaan UMKM dan sekaligus sebagai akses keuangan inklusi bagi UMKM dan masyarakat.
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