Model Rekayasa Sistem Pembiayaan Industri Alternatif dalam Mendukung Industri Pengolahan Limbah Plastik

Syaifuddin  Yana; Cut  Rusmina; Maksalmina Maksalmina; Maryam Maryam; Rita  Nengsih; Aisyah  Nurfiqi

Authors

Syaifuddin Yana Universitas Serambi Mekkah Author
Cut Rusmina Universitas Serambi Mekkah Author
Maksalmina Maksalmina Universitas Serambi Mekkah Author
Maryam Maryam Universitas Serambi Mekkah Author
Rita Nengsih Universitas Serambi Mekkah Author
Aisyah Nurfiqi Universitas Serambi Mekkah Translator

Keywords:

alternative financing; plastic waste; MSMEs; circular economy; green financing

Abstract

Plastic waste processing businesses play a strategic role in supporting environmental sustainability and the development of a circular economy. However, business development in this sector continues to face limited access to financing due to enterprise characteristics dominated by MSMEs, relatively high risk levels, and the mismatch of conventional financing schemes. This article aims to examine and synthesize the literature related to the development of alternative financing systems for plastic waste processing businesses. The method employed is a literature review using a descriptive–analytical approach to various relevant scientific sources and policy reports. The findings indicate that alternative financing mechanisms such as microfinance and cooperatives, partnership-based financing, Islamic financing, crowdfunding, impact investing, as well as government and CSR support have significant potential to improve access to financing for plastic waste processing enterprises. This article also proposes a conceptual model for the development of an integrated alternative financing system involving business actors, financial institutions, markets, and regulatory support. These findings provide important implications for the formulation of green financing policies and the advancement of future research on environmentally oriented business financing

Author Biographies

Syaifuddin Yana, Universitas Serambi Mekkah

Prodi Manajemen
Cut Rusmina, Universitas Serambi Mekkah

Prodi Akuntansi
Maksalmina Maksalmina, Universitas Serambi Mekkah

Prodi Akuntansi
Maryam Maryam, Universitas Serambi Mekkah

Prodi Akuntansi
Rita Nengsih, Universitas Serambi Mekkah

Prodi Akuntansi
Aisyah Nurfiqi, Universitas Serambi Mekkah

Mahasiswa Prodi Akuntansi

References

[1] M. Z. Hakim, “Pengelolaan dan pengendalian sampah plastik berwawasan lingkungan,” Amanna Gappa, pp. 111–121, 2019.

[2] U. Ulfia, R. Rahmi, Z. Yusuf, R. Radhiana, M. Mukhdasir, and A. Humaira, “Strategi Pemilihan Bahan Baku Daur Ulang untuk Meningkatkan Profitabilitas di Industri Pengolahan Limbah Plastik,” J. Serambi Eng., vol. 10, no. 1, 2025.

[3] S. Ikhbar, N. Nelly, M. Maksalmina, C. Amni, A. Arsyad, and A. A. Fansuri, “Strategi Pengelolaan Operasional untuk Meningkatkan Keuntungan dan Mengurangi Pengeluaran dalam Industri Daur Ulang Plastik,” J. Serambi Eng., vol. 10, no. 1, 2025.

[4] R. Nengsih, M. Mukhdasir, K. Khairuna, and M. Ahyar, “Inovasi dan Diversifikasi Produk Gerabah sebagai Katalisator Pertumbuhan Laba pada UMKM Sektor Kerajinan,” J. Serambi Eng., vol. 10, no. 3, 2025.

[5] M. Marlina, S. Sufitrayati, S. Amri, N. Syamsuddin, R. Radhiana, and R. M. Akbar, “Inovasi Operasional untuk Efisiensi Biaya dan Peningkatan Profit di Industri Pengolahan Limbah Plastik,” J. Serambi Eng., vol. 10, no. 1, 2025.

[6] R. Radhiana, M. Mukhdasir, J. Surya, N. Syamsuddin, M. Maryam, and A. Syafitri, “Pengaruh Sistem Produksi Lean terhadap Pengurangan Biaya Produksi dan Peningkatan Profitabilitas di Industri Pengolahan Limbah Plastik,” J. Serambi Eng., vol. 10, no. 1, 2025.

[7] R. Yulianti, R. Nengsih, and R. Alifia, “Pengaruh Inovasi Produk Terhadap Kinerja Keuangan dan Profitabilitas Industri Plastik Daur Ulang,” J. Serambi Eng., vol. 10, no. 2, 2025.

[8] C. Rusmina, Z. Zainuddin, J. Juwita, M. Marlina, and A. Jelita, “Risiko Investasi pada Inovasi Teknologi Ramah Lingkungan dalam Pengolahan Limbah Plastik,” J. Serambi Eng., vol. 10, no. 2, 2025.

[9] C. Rusmina, M. Mawardi, M. Bakri, S. Susanti, R. Radhiana, and C. A. Surayya, “Meningkatkan Daya Saing UMKM melalui Penerapan Just-in-Time dan Teknologi Sederhana,” J. Serambi Eng., vol. 10, no. 1, 2025.

[10] M. Maryam, R. Nengsih, T. Makmur, S. Susanti, A. Arsyad, and A. R. Rahmi, “Meningkatkan Profitabilitas UMKM Pengrajin Gerabah dengan Efisiensi Keuangan dan Optimalisasi Produksi,” J. Serambi Eng., vol. 10, no. 1, 2025.

[11] F. Hanum et al., “Strategi Ekspansi Usaha UMKM dengan Pendekatan Metoda Hybrid SWOT Analisis dan AHP,” J. Serambi Eng., vol. VIII, no. 1, pp. 4991–4999, 2023, [Online]. Available: https://ojs.serambimekkah.ac.id/index.php/jse/article/view/5675

[12] M. Marlina, T. M. H. A. H. Almuqaramah, C. R. Rusmina, R. Rahmi, and M. Zidane, “Analisis Profitabilitas dan Efisiensi Operasional pada Industri Perikanan Skala Kecil di Indonesia,” J. Serambi Eng., vol. 10, no. 3, 2025.

[13] OECD, “Global Plastics Outlook: Economic Drivers, Environmental Impacts and Policy Options,” Glob. Plast. Outlook, p. 201, 2022, [Online]. Available: https://www.oecd-ilibrary.org/environment/global-plastics-outlook_de747aef-en

[14] World Bank, “Plastic Waste Discharges from Rivers and Coastlines in Indonesia. Marine Plastics Series, East Asia and Pacific Region,” Int. Bank Reconstr. Dev. / World Bank, no. May, 2021.

[15] UNEP, “Plastic Pollution.” [Online]. Available: https://www.unep.org/plastic-pollution?utm_source=chatgpt.com

[16] D. Damayanti et al., “Current prospects for plastic waste treatment,” Polymers (Basel)., vol. 14, no. 15, p. 3133, 2022.

[17] R. Harel and D. Kaufmann, “Financing innovative SMEs of traditional sectors: the supply side,” EuroMed J. Bus., vol. 11, no. 1, pp. 84–100, 2016.

[18] D. Duffie, “Financial regulatory reform after the crisis: An assessment,” Manage. Sci., vol. 64, no. 10, pp. 4835–4857, 2018.

[19] A. Yavari, H. Jabbari, and H. Panahian, “Banking and the Role of Collateral and Collateral Management in Banking Facilities.,” Int. J. Multiphys., vol. 19, no. 1, 2025.

[20] UNEP, “Green Finance Opportunities in ASEAN.” [Online]. Available: https://unepinquiry.org/publication/asean_report/?utm_source=chatgpt.com

[21] M. Gupta, S. Verma, and S. Pachare, “An analysis of Conventional and Alternative financing—Customers’ perspective,” Int. J. Financ. Econ., vol. 28, no. 3, pp. 2404–2414, 2023.

[22] M. Maiti, “Scope for alternative avenues to promote financial access to MSMEs in developing nation evidence from India,” Int. J. Law Manag., vol. 60, no. 5, pp. 1210–1222, 2018.

[23] A. W. Ng, “From sustainability accounting to a green financing system: Institutional legitimacy and market heterogeneity in a global financial centre,” J. Clean. Prod., vol. 195, pp. 585–592, 2018.

[24] A. A. Lashitew, L. Bals, and R. van Tulder, “Inclusive business at the base of the pyramid: The role of embeddedness for enabling social innovations,” J. Bus. ethics, vol. 162, no. 2, pp. 421–448, 2020.

[25] UNEP, “Global Waste Management Outlook 2024.” [Online]. Available: https://www.unep.org/resources/global-waste-management-outlook-2024?utm_source=chatgpt.com

[26] O. B. Ezeudu and D. Bristow, “Financing methods for solid waste management: A review of typology, classifications, and circular economy implications,” Sustain. Dev., vol. 33, no. 2, pp. 3062–3085, 2025.

[27] B. Horvath, E. Mallinguh, and C. Fogarassy, “Designing business solutions for plastic waste management to enhance circular transitions in Kenya,” Sustainability, vol. 10, no. 5, p. 1664, 2018.

[28] M. Mahdi, J. Surya, R. Rahmi, I. Fahmi, and N. Shakira, “Integrasi Inovasi Digital dalam Manajemen Keuangan dan Rantai Pasok Industri Daur Ulang Plastik,” J. Serambi Eng., vol. 10, no. 3, 2025.

[29] S. V. Gandja, C. Estay, and J. Tchankam, “Alternative finance for micro‐enterprises: A foundation for sustainable development or just humanitarian aid?,” Strateg. Chang., vol. 24, no. 1, pp. 33–47, 2015.

[30] J. Levänen, T. Lyytinen, and S. Gatica, “Modelling the interplay between institutions and circular economy business models: A case study of battery recycling in Finland and Chile,” Ecol. Econ., vol. 154, pp. 373–382, 2018.

[31] World Bank, “Oceans for Prosperity: Reforms for a Blue Economy in Indonesia,” World Bank, pp. 1–80, 2021.

[32] I. Jalil, M. Malahayati, S. Yana, H. Heriyana, I. Ilyas, and R. Nengsih, “Optimalisasi Proses Bisnis UMKM Kerajinan Gerabah melalui Sinergi Inovasi Pemasaran dan Manajemen Risiko Terstruktur,” J. Serambi Eng., vol. 10, no. 1, 2025.

[33] O. Sinaga and P. Wartono, “Management Practices of Micro, Small, and Medium Enterprises and Their Impact on Competitiveness in Jatinangor,” J. Manage., vol. 4, no. 2, pp. 421–428, 2025.

[34] M. Maryam, C. I. Amalia, F. Hanum, C. Hamdiah, and M. Wahyuna, “Inovasi Desain Produk sebagai Strategi Meningkatkan Profitabilitas UMKM Kerajinan Rumahan,” J. Serambi Eng., vol. 10, no. 3, 2025.

[35] G. Cheung, P. J. Davies, and S. Trück, “Financing alternative energy projects: An examination of challenges and opportunities for local government,” Energy Policy, vol. 97, pp. 354–364, 2016.