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All Journal Income: Innovation Of Economics And Management Jurnal Ilmiah Dan Karya Mahasiswa
Rusyaida Rusyaida
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media

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Misuse of PNPM Mandiri Rural Loan Funds (Case Study in Jorong Lubuak Batingkok) Sukma Indah Darianti; Asyari Asyari; Hesi Eka Putri; Rusyaida Rusyaida
INCOME: Innovation of Economics and Management Vol. 6 No. 1 (2026): June
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v6i1.7207

Abstract

Purpose – This study examines the misuse of revolving loan funds in the National Program for Community Empowerment in Rural Areas (PNPM Mandiri Perdesaan) within the Women's Savings and Loans Group (SPP) Usao Amai, Lima Puluh Kota Regency, and identifies contributing factors. Design/methodology/approach – A qualitative descriptive approach was employed, utilizing observation, semi-structured interviews, and documentation involving group members, administrators, and community leaders. Findings/Results – Revolving funds were primarily used for consumptive purposes—household expenses, education, medical costs, and debt repayment—rather than productive business activities. Despite this misuse, repayment rates remained stable due to strong social solidarity and mutual trust. Key factors contributing to misuse include weak supervision, low financial literacy, unstable household economies, and misperceptions of the program as flexible government assistance rather than business capital. Originality/Value – From an Islamic economics perspective, fund misuse deviates from principles of amanah (trustworthiness) and responsibility in managing qardh (loans), though members' commitment to repayment reflects enduring moral values. The study recommends strengthening supervision, providing financial literacy training, and integrating Islamic economic principles into community empowerment programs.
Strategi Petani Sayur dalam Meningkatkan Pendapatan Perspektif Ekonomi Islam di Nagari Sikabau Kabupaten Dharmasraya Melani Parastica; Rusyaida Rusyaida
Jurnal Ilmiah Dan Karya Mahasiswa Vol. 4 No. 3 (2026): Juni : JURNAL ILMIAH DAN KARYA MAHASISWA (JIKMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jikma.v4i3.4903

Abstract

This study aims to analyze the strategies of vegetable farmers in improving their income from the perspective of Islamic economics in Nagari Sikabau, Dharmasraya Regency. The problems identified include low farmer income due to limited capital, dependence on middlemen, and weak farm management that has not been fully based on sharia principles. This research employs a qualitative method with in-depth interviews, observation, and documentation involving vegetable farmers, village officials, and Islamic financial institutions. Data were analyzed through data reduction, data display, and conclusion drawing using a SWOT approach to identify strengths, weaknesses, opportunities, and threats in the development of vegetable farming activities. The findings show that the vegetable farming business is positioned in Quadrant III (turnaround strategy), indicating that external opportunities are significant while internal strengths remain limited. The strategies implemented include improving farmers’ capacity, crop diversification, strengthening farmer groups, and establishing financing partnerships with Islamic financial institutions. In terms of Islamic values, farmers have practiced principles of justice (al-‘adl), honesty (sidq), and mutual cooperation (ta‘awun), although the application of Islamic agricultural contracts such as muzara‘ah and musaqah remains suboptimal. The study concludes that applying Islamic economic values can enhance farmers’ income in a fair and blessed manner. The implications of this research are expected to provide recommendations for local governments and Islamic financial institutions in designing sharia-based farmer empowerment programs to achieve material and spiritual well-being (falah) in Nagari Sikabau.
Co-Authors Asyari Asyari Hesi Eka Putri Melani Parastica Sukma Indah Darianti