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All Journal Al-Ittihad: Jurnal Pemikiran dan Hukum Islam Jurnal Bisnis Kompetitif
Avilla Veronica
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Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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STUDI KELAYAKAN BISNIS SYARIAH UMKM PADA DEPOT AIR MINUM ISI ULANG MAULANA DI KECAMATAN TAMBANG KABUPATEN KAMPAR: ANALISIS ASPEK PASAR, TEKNIS, MANAJERIAL, REGULASI, DAN PEMASARAN Diany Mairiza; Avilla Veronica; Devi Afriani; Elisa Amanda; Budi Azwar
Al-Ittihad: Jurnal Pemikiran dan Hukum Islam Vol 12 No 1 (2026): June
Publisher : Sekolah Tinggi Islam Syariah (STIS) Al-Ittihad Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61817/ittihad.v12i1.331

Abstract

Penelitian ini bertujuan menganalisis kelayakan bisnis syariah pada UMKM Depot Air Minum Isi Ulang Maulana di Kecamatan Tambang, Kabupaten Kampar berdasarkan aspek pasar, teknis, manajerial, regulasi, dan pemasaran. Penelitian menggunakan metode deskriptif kualitatif dengan teknik observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa usaha memiliki permintaan pasar yang tinggi dan stabil, proses produksi sesuai standar, manajemen usaha berjalan efektif, serta telah memiliki izin resmi dan memenuhi standar kesehatan. Strategi pemasaran melalui harga kompetitif, lokasi strategis, layanan antar, dan pemanfaatan WhatsApp dinilai cukup efektif meskipun promosi digital masih terbatas. Dari perspektif syariah, usaha telah menerapkan prinsip halalan thayyiban, amanah, dan transparansi. Secara keseluruhan, UMKM Depot Air Minum Isi Ulang Maulana layak dijalankan dan dikembangkan sesuai prinsip ekonomi syariah. Penelitian merekomendasikan peningkatan sanitasi, digitalisasi pencatatan, optimalisasi promosi digital, dan penambahan kendaraan distribusi.
INTEROPERABILITAS QRIS BANK SYARIAH DAN IMPLIKASINYA TERHADAP KEPERCAYAAN SERTA KEPATUHAN SYARIAH PADA UMKM DI KOTA PEKANBARU Avilla Veronica; Diany Mairiza
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 1 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i1.2832

Abstract

This study aims to analyze the interoperability of QRIS issued by Islamic banks and its implications for trust and Sharia compliance among MSMEs actors in Pekanbaru City. This research employs a qualitative descriptive approach using a case study method. The data sources consist of MSMEs actors who use QRIS from Islamic banks and Islamic banking institutions involved in the implementation of digital payment systems. The findings indicate that the interoperability of QRIS issued by Islamic banks has not been optimally integrated, as reflected in delays in payment settlement processes, lack of synchronization between service providers’ systems, and failures in cross-platform transactions. This condition reveals a gap between system design and its practical integration during implementation. The issue is not limited to technical aspects but also affects the level of trust among MSMEs actors toward Islamic digital payment systems, leading to shifts in user behavior toward alternative payment methods perceived as more reliable. From the perspective of Islamic economics, the study finds that the integration of interoperability processes poses potential risks to sharia compliance due to the presence of elements of gharar (uncertainty) in transactions. This may undermine key principles such as the protection of wealth (hifz al-mal), justice (‘adl), and trustworthiness (amanah).
Co-Authors Budi Azwar Devi Afriani Diany Mairiza Elisa Amanda