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All Journal Social Science Academic Journal of Sharia Economic Law
Friska Dwi Yulina
Institut Agama Islam Sunan Giri Ponorogo
Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The The Effectiveness of Sharia Financing in BMD Syariah on the Development of MSMEs Adela Ulifatul Ulfa; Anisa Hilmi Fuadah; Friska Dwi Yulina
Journal of Sharia Economic Law Vol. 3 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

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Abstract

This study aims to analyze the effectiveness of sharia financing implemented by BMD Syariah in supporting the development of Micro, Small, and Medium Enterprises (MSMEs). The background of this research is based on the community's need for access to financing that is fair, usury-free, and in accordance with sharia principles, especially for lower economic groups that have not been reached by formal financial institutions. The research method used is qualitative descriptive with a field study approach through observation, interviews, and documentation. The results of the study show that sharia financing in BMD Syariah, through the Murabahah, Mudharabah, Ar-Rahn, and Al-Ijarah contracts, has proven to be effective in increasing business capacity, income, and welfare of MSME actors. However, there are still challenges in the form of low Islamic financial literacy and the risk of problematic financing. This study concludes that BMD Syariah has a strategic role in encouraging financial inclusion and community economic empowerment based on sharia values.
Pendampingan Belajar Membaca Al-Qur'an Dengan Metode Ummi Pada Anak Usia 7-12 Tahun Di TPQ Darussalam, Dusun Pacar, Desa Prajegan Friska Dwi Yulina; Sri Ana; Kunti Nadiyah Salma
Social Science Academic SPECIAL ISSUE: Desa Berdaya dengan Potensi Lokal
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ssa.v0i0.5934

Abstract

This study aims to describe the process of assisting learning to read the Qur'an with the Ummi method for children aged 7-12 years at TPQ Darussalam, Pacar Hamlet, Prajegan Village. This research uses an ABCD approach that seeks sustainable development, this method also raises potential assets with qualitative methods through observation, interviews, and documentation. One of the problems faced by TPQ Darussalam is the lack of emphasis on long-short reading and correct tajweed. This can hinder children in understanding the meaning of the Qur'an in depth. Therefore, there needs to be an effort to improve the quality of learning to read the Qur'an at TPQ Darussalam, especially in terms of coaching long-short reading. The results showed that the Ummi method is effective in helping early childhood learn to read the Qur'an. Factors that influence the success of mentoring include the patience of the mentor, the use of interesting learning media, and child motivation.
Co-Authors Adela Ulifatul Ulfa Anisa Hilmi Fuadah Salma, Kunti Nadiyah Sri Ana