Program Pembiayaan Syariah Bagi Usaha Mikro Kecil Perempuan Dalam Rangka Pemulihan Ekonomi Pasca Covid-19

The women's micro and small enterprise have a relatively huge contribution to macroeconomics in both regional and national contexts. However, in practice, there are many obstacles faced by women's enterprise, include difficulties in capital capacity. The majority budget capital of business is not through formal financial institutions, but through their own capital. Therefore, through this sharia- based financing program, the aim is try to restore the economic condition of potential women micro and small enterprise post Covid-19 pandemic. This resesarch aims to analyze a model of sharia-based financing which is solutive and applicable as a strategic effort to increase financial inclusion for women enterprise in economic recovery post Covid-19 pandemic. The novelty of this research is the form of alternative solutions for government in organizing financing programs for potential women enterprise with no providing any additional costs to the borrower, because BAZNAS will bear it through social funds. This program has an applicable replication opportunity for another city governments to optimize the empowerment of women's micro and small enterprise to increase competitiveness in the industry.