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All Journal Jurnal Informatika dan Teknik Elektro Terapan Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer Journal of Trends Economics and Accounting Research Wasathiyyah: Jurnal Pemikiran Fikih dan Ushul Fikih Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan SmartComp Finance AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Jurnal Pintar Pengabdian dan Pemberdayaan Masyarakat
FAQIH, ABDULLAH
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Akad Pembiayaan Mudharabah pada Baitul Maal Wa Tamwil dalam Meningkatkan Pendapatan Masyarakat: Studi Kasus BMT UGT Sidogiri Cabang Tanggulangin Huzeini, Fahri; Hartoyo, H.; Faqih, Abdullah
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 3 No. 2 (2026): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/aksioma.v3i2.2368

Abstract

This study aims to analyze the implementation of Mudharabah financing contracts at Baitul Maal Wa Tamwil (BMT) UGT Sidogiri Tanggulangin Branch and examine its role in increasing community income. The research background is based on the phenomenon of capital access difficulties experienced by micro and small entrepreneurs due to strict requirements and high interest burdens in conventional financial institutions. The research approach used is descriptive qualitative with data collection techniques through in-depth interviews, field observations, and documentation studies. Primary data sources were obtained from BMT managers, financing staff, and customers receiving Mudharabah financing, while secondary data came from contract documents, financial reports, and BMT profiles. Data analysis techniques using the Miles and Huberman model include data reduction, data presentation, and conclusion drawing. The research results show that the implementation of Mudharabah contracts at BMT UGT Sidogiri is in accordance with sharia principles and DSN-MUI Fatwa Number 07/DSN-MUI/IV/2000, with mechanisms that include the application stage, feasibility analysis using the 5C principles (Character, Capacity, Capital, Collateral, Condition), contract establishment with profit-sharing ratios based on mutual agreement, as well as disbursement and periodic supervision. Mudharabah financing has proven to have a significant impact on increasing community income, as demonstrated by increased business capital, productivity, and capital cost efficiency due to the absence of fixed interest burdens. Customers experienced increased business turnover and profit margins that could be allocated to improve family welfare. In addition, the presence of BMT has succeeded in reducing community dependence on loan sharks and contributing to local economic empowerment. The implications of this research indicate that the Mudharabah contract is an effective sharia financing instrument in promoting real sector development and financial inclusivity for micro-business actors.
Dampak Digital Culturalpreneurship dan E-Commerce Terhadap Keputusan Pembelian Produk Kreatif Melayu Medan Faqih, Abdullah; Aqillah, Khayru; Sari, Dian Purnama
Journal of Trends Economics and Accounting Research Vol 6 No 3 (2026): March 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v6i3.2438

Abstract

Penelitian ini menganalisis pengaruh strategi Digital Culturalpreneurship (X1) dan E-Commerce (X2) terhadap Keputusan Pembelian Produk Kreatif Melayu Kota Medan (Y). Tantangan utama sektor ini adalah rendahnya adopsi digital UMKM (58%) di tengah penetrasi internet yang tinggi (>70%). Menggunakan metode campuran (mixed method) di empat kecamatan dengan konsentrasi UMKM tertinggi, strategi X1 diukur melalui narasi budaya, inovasi digital, dan platform terintegrasi, sementara X2 melalui persepsi nilai budaya, kualitas visual, dan kepercayaan platform. Hasil regresi berganda menunjukkan X1 dan X2 berpengaruh positif dan signifikan secara parsial (Thitung X1= 5,114; X2= 5,658; Sig.= 0,000) maupun simultan (Fhitung= 90,697; Sig.= 0,000) terhadap Y. Kontribusi gabungan kedua variabel adalah 37,5% (Adjusted R Square= 0,375) dengan model regresi Y = 7,596 + 0,312X1 + 0,345X2 + e. Disimpulkan bahwa integrasi narasi budaya yang otentik dengan optimalisasi fitur e-commerce sangat krusial untuk meningkatkan keputusan pembelian produk kreatif Melayu di pasar digital.
Co-Authors Apriade Voutama Aprilyanir, Fia Dayanti Aqiela, Muhammad Zaidan Aqillah, Khayru Baitaputra, Holil Dahnial Syauqy Dian Purnamasari Fahrur Rizki Fia Dayanti Aprilyani Haikal, Dede Haq, Wafa Nidaul Hartoyo, H. Hasanah, Erika Uswatun Henryranu Prasetio, Barlian Huzeini, Fahri Lesmana, Aura Yulliananda Maharani, Sesilia Maharani, Vivi Aprilia Muhammad Ilham Nurul Huda Naja, Farihun Niamulloh, Ilham Nopfianti, Wulan Nursahidin, Nursahidin Permana, Ari Rahwan Ramadani, Irma Ramdhani, Muhammad Rizal Rizki, Fahrur Rodiyah, Anisah Tur ROHMAH, FAIZATUR Saputra, Ilham Siti Nurhaliza