PERAN KOPERASI SYARIAH DAN UMKM DALAM MENINGKATKAN KETAHANAN EKONOMI LOKAL
DOI:
https://doi.org/10.22373/aiszawa.v2i1.9747Keywords:
Sharia cooperatives, MSMEs, local economic resilience, sharia financing, financial literacyAbstract
Local economic resilience is crucial in mitigating the impact of various economic shocks at the regional level. Nevertheless, access to financing, particularly for micro, small, and medium enterprises (MSMEs), remains limited. Sharia cooperatives hold the potential to offer an inclusive financing solution in accordance with Islamic financial principles. This study aims to analyze the role of sharia cooperatives and MSMEs in enhancing local economic resilience and identify potential synergies between them. This study employs a literature review with qualitative analysis methodology drawing from various recent research findings related to sharia cooperatives, MSMEs, and local economic resilience. The results show that sharia cooperatives make a significant contribution through inclusive financing based on the principles of justice and social empowerment. However, obstacles remain, including low sharia financial literacy, limited cooperative management, and unequal access. In conclusion, strengthening the synergy between sharia cooperatives and MSMEs, increasing literacy, and improving good governance are essential to sustainably strengthen local economic resilience
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