Electronic Theses and Dissertation

BAB V
KESIMPULAN DAN SARAN
5.1 Kesimpulan
Berdasarkan hasil kerja praktik dan pembahasan mengenai peran pendamping PT LKMS Mahirah Muamalah dalam pemberdayaan UMKM di Banda Aceh, dapat disimpulkan bahwa pendamping memiliki peran yang sangat penting dalam membantu perkembangan usaha masyarakat. Pendamping tidak hanya berfungsi sebagai pengawas pembiayaan, tetapi juga sebagai fasilitator, edukator, motivator, serta konsultan bagi pelaku UMKM.
Pendampingan yang dilakukan oleh PT LKMS Mahirah Muamalah dilaksanakan melalui pemberian pembiayaan berbasis syariah, edukasi pengelolaan usaha, monitoring usaha, serta pembinaan kepada nasabah UMKM. Program pendampingan tersebut memberikan dampak positif terhadap perkembangan usaha nasabah, seperti meningkatnya omzet usaha, perbaikan manajemen keuangan, peningkatan kualitas produk, serta meningkatnya kesejahteraan pelaku UMKM.
Namun demikian, dalam pelaksanaan pendampingan masih terdapat beberapa kendala, seperti rendahnya pemahaman pelaku UMKM mengenai manajemen usaha, keterbatasan sumber daya manusia pendamping, kurangnya inovasi usaha, serta faktor eksternal seperti kondisi ekonomi yang tidak stabil. Meskipun demikian, PT LKMS Mahirah Muamalah terus melakukan berbagai upaya untuk mengatasi kendala tersebut melalui edukasi usaha, monitoring berkala, peningkatan komunikasi, serta pemberian arahan terkait pemasaran digital kepada pelaku UMKM.
5.2 Saran
Meskipun secara umum pendampingan UMKM yang dilakukan oleh PT LKMS Mahirah Muamalah telah berjalan dengan baik dan memberikan dampak positif terhadap perkembangan usaha nasabah, namun masih terdapat beberapa aspek yang memerlukan perhatian dan peningkatan ke depannya. Adapun saran yang dapat diberikan yaitu:
1. Perlunya peningkatan kegiatan pembinaan dan pelatihan usaha bagi pelaku UMKM, khususnya dalam bidang pengelolaan keuangan, manajemen usaha, dan strategi pemasaran agar usaha dapat berkembang secara lebih optimal.
2. Optimalisasi kegiatan pendampingan secara berkala sehingga pelaku UMKM dapat memperoleh arahan, motivasi, serta solusi terhadap kendala usaha yang dihadapi.
3. Peningkatan pemanfaatan teknologi dan pemasaran digital bagi pelaku UMKM agar mampu memperluas jangkauan pasar dan meningkatkan daya saing usaha di era digital.
4. Perlunya peningkatan komunikasi dan kerja sama yang baik antara pihak pendamping dengan pelaku UMKM agar proses pendampingan dapat berjalan lebih efektif dan berkelanjutan.
5. Monitoring dan evaluasi secara rutin terhadap perkembangan usaha nasabah sehingga penggunaan pembiayaan dapat berjalan secara produktif dan sesuai dengan tujuan pemberdayaan UMKM.

CHAPTER V CONCLUSION AND RECOMMENDATIONS 5.1 Conclusion Based on the results of the internship and the discussion regarding the role of the facilitators at PT LKMS Mahirah Muamalah in empowering Micro, Small, and Medium Enterprises (MSMEs) in Banda Aceh, it can be concluded that the facilitators play a vital role in supporting the development of community businesses. Their responsibilities extend beyond supervising financing activities; they also serve as facilitators, educators, motivators, and consultants for MSME entrepreneurs. The assistance provided by PT LKMS Mahirah Muamalah is implemented through the provision of Sharia-compliant financing, business management education, business monitoring, and continuous guidance for MSME clients. These assistance programs have had a positive impact on the development of clients' businesses, as reflected in increased business turnover, improved financial management, enhanced product quality, and better overall welfare of MSME entrepreneurs. Nevertheless, several challenges remain in the implementation of the assistance program. These include the limited understanding of business management among MSME entrepreneurs, the shortage of qualified facilitators, the lack of business innovation, and external factors such as unstable economic conditions. Despite these challenges, PT LKMS Mahirah Muamalah continues to address them through business education programs, regular monitoring, improved communication, and guidance on digital marketing strategies for MSME entrepreneurs. 5.2 Recommendations Although the MSME assistance program implemented by PT LKMS Mahirah Muamalah has generally been effective and has contributed positively to the development of clients' businesses, several aspects require further improvement. The following recommendations are proposed: 1. Business development training and mentoring programs should be enhanced, particularly in the areas of financial management, business management, and marketing strategies, to enable MSMEs to achieve more sustainable growth. 2. Regular mentoring activities should be optimized so that MSME entrepreneurs can continuously receive guidance, motivation, and practical solutions to the challenges they encounter in managing their businesses. 3. Greater utilization of technology and digital marketing should be encouraged to help MSME entrepreneurs expand their market reach and strengthen their competitiveness in the digital era. 4. Communication and collaboration between facilitators and MSME entrepreneurs should be strengthened to ensure that the mentoring process is more effective, efficient, and sustainable. 5. Regular monitoring and evaluation of clients' business performance should be conducted to ensure that financing is utilized productively and in accordance with the objectives of MSME empowerment.