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All Journal Iqtisadie: Journal of Islamic Banking and Shariah Economy Padma: Jurnal Pengabdian Kepada Masyarakat Assyarikah: Journal Of Islamic Economic Business Jurnal Ekonomi, Bisnis dan Manajemen
Farisul Haq
Universitas Al-Amien Prenduan
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Public Health Social Sciences Other

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Strategi Penghimpunan Dana Lembaga Keuangan Mikro Syariah Berbasis Fintech: Studi Kasus Baitul Maal Ar Rahmah Surabaya Muhammad Yusuf Qordowi; Farisul Haq
PADMA Vol. 6 No. 1 (2026): JURNAL PENGABDIAN KEPADA MASYARAKAT (PADMA)
Publisher : LPPM Politeknik Piksi Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56689/padma.v6i1.2779

Abstract

Perkembangan teknologi digital telah mendorong transformasi dalam sistem penghimpunan dana filantropi Islam, termasuk pada lembaga Baitul Maal. Penelitian ini bertujuan untuk menganalisis strategi penghimpunan dana berbasis financial technology (fintech) di Baitul Maal Ar Rahmah Surabaya serta mengidentifikasi faktor pendukung dan penghambat implementasinya. Penelitian menggunakan pendekatan kualitatif dengan jenis studi kasus. Data diperoleh melalui wawancara, observasi, dan dokumentasi terhadap pengelola serta donatur lembaga. Hasil penelitian menunjukkan bahwa strategi penghimpunan dana dilakukan melalui pemanfaatan QRIS dan mobile banking yang didukung oleh komunikasi digital melalui WhatsApp dan Instagram. Strategi ini terbukti efektif dalam meningkatkan kemudahan transaksi, memperluas jangkauan donatur, serta meningkatkan transparansi pelaporan dana. Faktor pendukung implementasi fintech meliputi kemampuan SDM dalam memanfaatkan media digital, dukungan jaringan sosial keagamaan, dan tingginya literasi digital masyarakat. Adapun faktor penghambatnya meliputi berkurangnya interaksi tatap muka dengan donatur serta proses verifikasi transaksi yang masih dilakukan secara manual. Oleh karena itu, diperlukan penguatan sistem administrasi digital dan komunikasi yang lebih personal untuk meningkatkan efektivitas penghimpunan dana secara berkelanjutan.
Empowering Regional Economies through Sharia Finance: The Strategic Role of BPRS Bhakti Sumekar Farisul Haq
Assyarikah: Journal of Islamic Economic Business Vol. 6 No. 2 (2025): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v6i2.2243

Abstract

This study aims to analyze the role of Bank Perekonomian Rakyat Syariah or BPRS Bhakti Sumekar Perseroda in supporting regional economic development in Sumenep Regency. This research uses a qualitative descriptive approach based on secondary data from the 2024 financial report of BPRS Bhakti Sumekar, relevant regulations, and supporting literature. The data were analyzed through data reduction, data presentation, and conclusion drawing. The findings indicate that BPRS Bhakti Sumekar plays a strategic role as an Islamic financial institution that distributes sharia-based financing to the real sector and as a regionally owned enterprise that contributes to Local Original Revenue. In 2024, BPRS Bhakti Sumekar collected IDR 829.33 billion in third-party funds, distributed IDR 651.57 billion in financing, recorded IDR 11.07 billion in net profit, and paid IDR 5.59 billion in regional dividends. In addition, the bank allocated IDR 868 million in CSR funds to support education, health, economic empowerment, social assistance, and religious outreach programs. These findings show that BPRS Bhakti Sumekar serves as a regional financial instrument that supports the real sector, regional revenue, and community welfare in Sumenep Regency.
Perkembangan dan Kontribusi Penerbitan Sovereign Green Sukuk terhadap Ketahanan Ekonomi Berkelanjutan dan Penurunan Emisi Karbon di Indonesia (2018 - 2025) Farisul Haq
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 01 (2026): Maret 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i01.1483

Abstract

This study examines the development of Sovereign Green Sukuk issuance and its association with macroeconomic resilience indicators and emission-reduction achievements in Indonesia during 2018-2025. Using descriptive secondary-data analysis, this study juxtaposes Green Sukuk issuance and allocation data from the Directorate General of Budget Financing and Risk Management (DJPPR) with macroeconomic indicators from Statistics Indonesia (BPS) and the Green Sukuk Allocation and Impact Report. The results show cumulative Green Sukuk issuance reached USD 6,9 billion (2018-2022) and USD 9,59 billion (2018-2023), with additional global issuances of USD 600 million (2024) and USD 1,1 billion (2025) whose granular allocation data remain unpublished. Environmentally, ST007-funded projects are associated with an emission reduction of approximately 1,12 million tons of CO2e, while official reporting indicates the first four issuances (2018-2021) cumulatively exceeded 10 million tons of CO2e in reduction. The study concludes that Green Sukuk functions as a fiscal policy instrument integrating environmental preservation principles (hifz al-bi’ah) with national climate adaptation, while noting that all contribution claims remain associative-descriptive rather than statistically causal.
Small Business Owners’ Perceptions and Acceptance of Al-Rahn Gold-Pawn Financing at BPRS Bhakti Sumekar, Lenteng Branch Fifit Humairah; Farisul Haq; Nuti Nawaty Nur
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol. 7 No. 1 (2026): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v7i1.2797

Abstract

Sharia gold-pawn financing (Al-Rahn) offers a potential source of working capital for small business owners who have relied on conventional or inter-community pawn arrangements, yet qualitative evidence on how rural MSME actors in Madura interpret this product remains limited. This study aims to analyze the perceptions of MSME actors in East Banaresep Village regarding Al-Rahn financing at BPRS Bhakti Sumekar, Lenteng Branch, and the factors that shape those perceptions. A descriptive qualitative approach with field research was used. Data were collected through observation, interviews with MSME actors who have used Al-Rahn, and documentation, and were analyzed with the interactive model of Miles, Huberman, and Saldaña (data condensation, data display, and conclusion drawing), with credibility checked through triangulation. The findings show that MSME actors hold positive perceptions centered on four aspects: their overall assessment of the product, the efficiency of the pawn process, the role of BPRS Bhakti Sumekar, and service quality. These perceptions are shaped by sharia values (especially the absence of interest), the speed of the financing process, support for business capital, easy access to the branch office, and the experiences of other customers. The study suggests that acceptance of Al-Rahn among rural MSMEs is formed by a combination of value-based and practical considerations, so education and promotion should explain ujrah (the safekeeping fee) as distinct from interest.
Co-Authors Fifit Humairah Muhammad Yusuf Qordowi Nuti Nawaty Nur