MSME Development during Covid-19 Through Sharia Banking in Madura Indonesia

Islamic banking has a different application from conventional banking which uses interest, while Islamic banking is based on profit-sharing financing developed through musyarakah and mudharabah financing products. Thus, Islamic banking should have a positive impact on the growth of the real sector during the Covid-19 period which has hit all corners of Indonesia, including Madura. One of the business units that need to be developed to encourage growth in the real sector is micro, small and medium enterprises (UMKM) which in the current national economy have a very important position. The public hopes for Islamic banking in developing UMKM during the Covid-19 era. The purpose of the study was to determine the development of UMKM during the Covid-19 era through Islamic banking in Madura. Qualitative research method by making a systematic, factual and accurate description of the development of UMKM during the Covid-19 period through Islamic banking in Madura, by observing, interviewing in depth and documenting. The key informants are the Director of BPRS and the Supporting Informants are sharia banking practitioners, MSME actors and Madurese community leaders, informants are selected based on certain goals and considerations. 10 roles carried out by BPRS during the Covid-19 period in developing UMKM in Madura, BPRS Bhakti Sumekar is more sensitive to UMKM which are customers or partners even though during the Covid-19 pandemic they still serve financing for MSME actors and provide Financing Relaxation for UMKM in Madura and implement Profit Sharing Financing Program That Really Helps Develop UMKM in Madura.