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Rahmi Nurmulia
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Alih Fungsi Lahan dan Dampaknya pada Perubahan Kehidupan Masyarakat Sekitar (Studi Kasus: Alih Fungsi Lahan pada PT Hardases Abadi Indonesia (HAI) di Desa Wangandowo, Kecamatan Bojong, Kabupaten Pelalongan) Rahmi Nurmulia; Imahda Khoiri Furqon
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.386

Abstract

This research discusses the land conversion carried out by PT Hardases Abadi Indonesia (HAI) in Wangandowo Village, Bojong District, Pekalongan Regency, and its impact on the lives of the surrounding community. Land that was originally in the form of hills and forests was converted into an industrial area for the construction of a shoe factory with a building area of 184,638 square meters. This land conversion has a positive economic impact in the form of local labor absorption and increased community welfare. However, the land use change also caused serious environmental impacts, such as the loss of water catchment areas and the occurrence of flash floods due to the collapse of the factory's embung in March 2024 which damaged residential areas and caused casualties. The research used a qualitative approach with interviews, observation and documentation to explore the socio-economic and environmental impacts. The results emphasized the need for strict environmental management and sustainable spatial planning so that industrial development can run in balance with environmental sustainability and community welfare.
Model Pembiayaan BMT BAHTERA: Studi Literatur tentang Praktik Inovasi Pembiayaan Mikro berbasis Syariah M. Najmuddin; Rahmi Nurmulia; Wulan Lailatur Rohmah; Rinda Asytuti
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.388

Abstract

Innovations in Islamic microfinance products at BMT BAHTERA play an important role in the development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This research analyzes various sharia-based financing product innovations at BMT BAHTERA, such as mudharabah, musyarakah and rahn, which have helped expand access to financing, increase financial inclusion, and encourage the growth of MSMEs. Using a qualitative approach through literature review and in-depth interviews, this research identifies that BMT BAHTERA's financing product development includes innovative features such as flexible payment schemes, customer mentoring and digital integration. Despite facing challenges such as limited understanding of MSMEs and the need for policy alignment, the potential for this product development is huge, supported by technological developments and increasing public awareness of Islamic finance. This research contributes to the Islamic finance literature and provides recommendations for further development to support the sustainable growth of MSMEs.
Co-Authors Imahda Khoiri Furqon M. Najmuddin Rinda Asytuti Wulan Lailatur Rohmah