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Rafiuddin Rafiuddin
Universitas Muhammadiyah Bima, Indonesia
Economics, Econometrics & Finance

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Strengthening Sharia Financial Literacy Of Mandala Village Communities In Supporting Resilience Economy Sustainable Princess Agustinah; Rafiuddin Rafiuddin; Muhammad Zia Ulhaq
JURNAL ECONOMINA Vol. 5 No. 5 (2026): JURNAL ECONOMINA, Mei 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i5.2283

Abstract

This study aims to analyze the level of Islamic financial literacy among the people of Mandala Village and its role in supporting sustainable economic resilience. The study employed a descriptive qualitative approach, with data collected through interviews, observations, and documentation involving the Village Head, village officials, community leaders, housewives, business owners, and users of Bank Syariah Indonesia (BSI) products. The results show that the level of Islamic financial literacy in Mandala Village is still low, as indicated by the limited understanding of Islamic financial concepts and products, as well as financial management practices that remain simple and poorly planned. This low level of literacy is influenced by a lack of education and socialization, limited access to information, and low levels of financial education. Nevertheless, the community shows considerable interest in learning about and utilizing Islamic financial services. Islamic financial literacy plays an important role in helping people manage their finances more effectively, thereby strengthening economic resilience. Therefore, continuous education, training, and mentoring are needed to improve the Islamic financial literacy of the people of Mandala Village. Keywords: Islamic financial literacy, economic resilience, rural community, Islamic finance.
Analysis of the Effectiveness of Village Fund Allocation to Improve Community Welfare in Mawu Village, Ambalawi District, Bima Regency M. Albima’rif; Rafiuddin Rafiuddin; Muh. Yunan Putra
JURNAL ECONOMINA Vol. 5 No. 6 (2026): JURNAL ECONOMINA, Juni 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i6.3081

Abstract

This study aims to examine the effectiveness of Village Fund allocation in promoting community welfare improvement in Mawu Village, Ambalawi District, Bima Regency. This research employed a qualitative approach with a case study design. The research data were obtained through participatory observation, in-depth interviews with purposively selected informants, and documentation studies. The informants in this study included the Village Head, Village Secretary, Village Treasurer, members of the Village Consultative Body (BPD), community leaders, and residents who benefited from Village Fund programs. Meanwhile, the documents reviewed included the Village Revenue and Expenditure Budget (APBDes), the Village Medium-Term Development Plan (RPJMDes), the Village Government Work Plan (RKPDes), and reports on the realization of Village Fund utilization. The results of the study show that Village Fund allocation in Mawu Village was implemented through three main stages: planning, implementation, and accountability. The realization of the Village Fund in 2024 and 2025 reached 100%, indicating that budget absorption was effective. The impact of Village Fund allocation on community welfare can be seen in the improvement of basic infrastructure, such as village roads, drainage systems, clean water facilities, and public street lighting, as well as in the strengthening of community participation and social cooperation. However, economic empowerment programs still need to be strengthened so that the use of Village Funds does not only focus on physical development but also supports sustainable income growth and community economic independence.
Co-Authors M. Albima’rif Muh. Yunan Putra Muhammad Zia Ulhaq Princess Agustinah