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All Journal JURNAL ECONOMINA ARMADA : Jurnal Penelitian Multidisiplin
Muhammad Zia Ulhaq
Universitas Muhammadiyah Bima, Indonesia
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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.
Membangun Kemandirian Ekonomi Masyarakat Melalui Ekosistem Halal Value Chain: Studi Integratif Di Sektor Pertanian dan UMKM Nursyafika Fika; Muhammad Rasyad Al Fajar; Muhammad Zia Ulhaq
ARMADA : Jurnal Penelitian Multidisiplin Vol. 4 No. 5 (2026): ARMADA : Jurnal Penelitian Multidisplin, Mei 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/armada.v4i5.2049

Abstract

Penelitian ini bertujuan mengkaji pembentukan kemandirian ekonomi masyarakat melalui penerapan ekosistem Halal Value Chain (HVC) yang mengintegrasikan sektor pertanian dan UMKM di Desa Renda, Kabupaten Bima, serta menilai kontribusinya terhadap kemandirian ekonomi inklusif. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus integratif. Data primer dikumpulkan melalui wawancara mendalam, observasi partisipatif, diskusi kelompok terarah, dan dokumentasi yang melibatkan pelaku UMKM, petani mitra, pengurus koperasi syariah, petugas sertifikasi halal, serta pemangku kebijakan lokal. Hasil penelitian menunjukkan bahwa ekosistem HVC berkembang sejak 2022 melalui inisiatif Koperasi Syariah Al-Madinah sebagai penghubung antara 45 petani binaan dan 12 UMKM bersertifikat halal. Implementasi HVC meningkatkan rata-rata pendapatan petani mitra dan UMKM bersertifikat masing-masing sebesar 40%, menambah jumlah UMKM bersertifikat hingga 650%, serta memperluas akses pasar mencapai 300%. Selain itu, HVC mendorong terbentuknya Kelompok Sadar Halal (KOMAL) dan memperkuat kapasitas masyarakat melalui pelatihan produksi halal, manajemen usaha, serta pemasaran digital. Proses ini juga memperkuat partisipasi perempuan, keterlibatan petani kecil, dan perubahan pola pikir ekonomi masyarakat. Namun, keberlanjutan ekosistem masih menghadapi kendala berupa konsistensi pasokan bahan baku halal, digitalisasi sistem traceability, dan regenerasi petani muda. Dengan demikian, integrasi HVC berbasis kelembagaan lokal terbukti efektif membangun kemandirian ekonomi pedesaan yang inklusif dan berkelanjutan di tingkat komunitas lokal desa.
Co-Authors Muhammad Rasyad Al Fajar Nursyafika Fika Princess Agustinah Rafiuddin Rafiuddin