PEMBIAYAAN SYARIAH PADA USAHA MIKRO, KECIL, DAN MENENGAH SEKTOR AGRIBISNIS DENGAN POLA KEMITRAAN

Abstract

The agribusiness sector faces many problems, mainly lack of capital. High risk anduncertainty characteristics of agribusiness cause financial institution willingness to financeagribusiness very low. By these characteristics, sharia financial institutions have a greatopportunity to finance agribusiness sector. The agribusiness sector need flexible finance mainlyin the term of profit and loss sharing. Integrated sharia agribusiness partnership (ISAP) is asolution to overcome capital constraint of agribusiness. ISAP is a partnership program which isinvolves large-scale enterprises as a nucleus, and small-scale enterprises as a plasm, and thesharia financial institutions as a financial lender in a cooperation agreement. The purposes ofISAP are to improve feasibility of plasm farmers businesses, to increase link and cooperationbetween nucleus enterprises and plasm farmers, and help the sharia financial institutions toprovide finance to micro, small and medium enterprises safely and efficiently.