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All Journal Jurnal Studi Islam Lintas Negara (Journal of Cross-Border Islamic Studies) Southeast Asia Journal of Graduate of Islamic Business and Economics
Tarada Berlian Megananda
Universitas Padjadjaran, Sumedang, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Analisis Komparatif Pengelolaan dan Daya Saing UMKM Indonesia dan Asia Tenggara Tarada Berlian Megananda; Sulwani Husna Afrizal
CBJIS: Cross-Border Journal of Islamic Studies Vol. 8 No. 1 (2026): Juni
Publisher : Fakultas Tarbiyah dan Ilmu Keguruan, IAI Sultan Muhammad Syafiuddin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cbjis.v8i1.5672

Abstract

Penelitian ini bertujuan mengkaji dan membandingkan kondisi pengelolaan, daya saing, dan kinerja Usaha Mikro, Kecil, dan Menengah (UMKM) Indonesia dengan UMKM di negara-negara Asia Tenggara lainnya, yaitu Vietnam, Thailand, Malaysia, dan Filipina, menggunakan metode studi kepustakaan (literature review) sistematis atas laporan lembaga resmi dan jurnal ilmiah. Hasil kajian menunjukkan bahwa UMKM Indonesia unggul secara kuantitas, dengan kontribusi terhadap Produk Domestik Bruto (PDB) mencapai 60–61% (Katadata, 2026; Berita Moneter, 2025), tertinggi dibandingkan Malaysia 39,5% (Department of Statistics Malaysia, 2025), Vietnam 45% (Vietnamnet, 2022), dan Thailand 34,8% (Thairath, 2025). Namun dari sisi kualitas pengelolaan, UMKM Indonesia tertinggal: rasio kredit UMKM terhadap PDB hanya 7–8%, jauh di bawah Thailand dan Malaysia yang di atas 15% (Kompas.com, 2026), dan skor Indeks Digitalisasi ADB 2024 Indonesia (34,2) merupakan yang terendah di antara enam negara ASEAN utama (Asian Development Bank, 2024). Penelitian ini menyimpulkan bahwa besarnya kontribusi UMKM Indonesia terhadap perekonomian nasional belum diimbangi kualitas pengelolaan yang setara dengan negara tetangga, sehingga diperlukan reformasi kebijakan pada aspek pembiayaan, digitalisasi, dan orientasi ekspor.
Sukuk-Linked Waqf: A Systematic Comparative Analysis Of Institutional and Regulatory Frameworks Tarada Berlian Megananda; Nurul Rahmah Kusuma
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 1 (2026): May
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i1.5671

Abstract

Waqf is one of the oldest instruments of Islamic philanthropy with substantial economic potential, yet it has historically been managed conservatively as immovable physical assets, limiting its productivity. Sukuk linked waqf has emerged as an Islamic social finance innovation that integrates waqf, particularly cash waqf, with sukuk instruments to generate sustainable returns while preserving the corpus value. This study examines the development, strengths, weaknesses, and potential of sukuk linked waqf in Indonesia through a systematic comparison with Malaysia and Saudi Arabia, two countries with well-established Islamic finance ecosystems. The study adopts a systematic literature review approach informed by the PRISMA protocol, drawing on indexed scholarly publications, official reports of waqf and Islamic capital market authorities, and national regulations from the three countries. The findings indicate that Indonesia, through its Cash Waqf Linked Sukuk (CWLS), possesses a relatively strong regulatory framework and the world's largest Muslim population base, yet still faces low waqf literacy, limited fund mobilization, and fragmented institutional coordination. Malaysia excels in the diversity of waqf-sukuk contract structures (ijarah, musharakah, SRI sukuk) and a mature Islamic capital market framework, though it faces cross-state structural complexity. Saudi Arabia stands out for its historical experience with sukuk al-intifa' in the Zamzam Tower project and modern institutional reform through the General Authority for Awqaf, with competitive waqf investment returns. The study concludes that Indonesia holds enormous annual cash waqf potential that remains far from fully realized, necessitating stronger public literacy, digitalized governance, cross-institutional regulatory harmonization, and lesson-drawing from Malaysia's contractual innovation and Saudi Arabia's investment governance.
Co-Authors Nurul Rahmah Kusuma Sulwani Husna Afrizal