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All Journal Padma: Jurnal Pengabdian Kepada Masyarakat Assyarikah: Journal Of Islamic Economic Business
Farisul Haq
Universitas Al-Amien Prenduan
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.
Co-Authors Muhammad Yusuf Qordowi