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All Journal Inovator : Jurnal Manajemen Al-Infaq : Jurnal Ekonomi Islam
Sofian Muhlisin
Universitas Ibn Khaldun Bogor, Indonesia
Economics, Econometrics & Finance Education Mathematics

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Analysis of Financial Management in Micro, Small and Medium-sized Enterprises from an Islamic Economic Perspective Yusuf Rangga Al Fatih; Tika Kartika; Sofian Muhlisin
INOVATOR Vol 15 No 1 (2026): MARET
Publisher : prodima@fe.uika-bogor.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/inovator.v15i1.24099

Abstract

This research study takes a close look at how the Setia Cikarawang Farmers' Group, an SME in Dramaga, Bogor, manages its money and aligns it with Islamic business ethics. Through conversations and direct observations, we found that their financial habits remain highly traditional. Because time is tight and the chairman focuses heavily on farming operations, budgeting and cash flow tracking exist only as rough mental estimates. Their capital structure is unbalanced, with the government aid coming only as physical equipment. To keep daily operations afloat, they adapt flexibly by taking advance payments from customers and working out flexible payment extensions with farmers for raw materials. Even though their financial management is informal, this small group deeply lives out Islamic ethics principles like shiddiq, Asy Syafafiyyah, and Al-’Adl. This is clearly shown by their consistent product quality following SOPs and having received official certifications from P-IRT, BPOM, and Halal.
The Concept of Public Ownership in Sharia Economic Perspective Saiful Anwar; Sofian Muhlisin; Hilman Hakiem
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2331

Abstract

Islam maintains the concept of balance so that wealth is widely distributed and not monopolized by some groups. However, the problem is that many do not understand how Islam views ownership. Ownership in Islam is a person's bond with property rights legalized by Sharia. Ownership is divided into three types, the first is individual ownership, the second is public ownership, and the third is state ownership. This study aims to find out how the concept of public ownership in the perspective of Islamic economics. Forms of public ownership and management of public ownership. The method used by the author in this study is library research based on the formulation of the problem supported by data and data sources from the literature review. Based on the results of research on the concept of public ownership in Islamic economics. Public ownership is a sharia permit for the community to jointly utilize a wealth in the form of goods that are necessary for humans in their daily life which are divided into three groups, namely as public facilities, unlimited mining goods and natural resources whose nature of formation prevents them from being owned only by individuals as individuals. Common property management rights (milkiyah amah) exist in society in general, which is implemented by the state because the state is the representative of the people. The state must manage public property in a professional and efficient manner. Although the State has the right to administer public property, it may not grant that right to specific individuals. Public ownership must provide maximum benefits to the wider community.
Co-Authors Hilman Hakiem Saiful Anwar Tika Kartika Yusuf Rangga Al Fatih