Pengalaman Perempuan sebagai Nasabah Utama dalam Produk Pembiayaan Syariah: Studi Kualitatif di Sektor UMKM
Abstract
This study explores the experiences of women as primary clients of Islamic financing products in the Micro, Small, and Medium Enterprises (MSME) sector. Utilizing a qualitative approach and narrative study method, the research investigates women's perceptions, challenges, and spiritual meanings in accessing and utilizing Islamic financing for business development. The findings reveal that women in MSMEs possess strong motivation driven by both religious and economic values, yet they face significant social and structural barriers. Islamic financing products not only provide access to capital but also foster trust and women's empowerment. The implications of this study highlight the importance of developing products and services that are more responsive to women's needs within both economic and spiritual contexts
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References
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