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All Journal Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan Pendas : Jurnah Ilmiah Pendidikan Dasar Bunda Edu-Midwifery Journal (BEMJ) JURNAL PENDIDIKAN TAMBUSAI PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Lentera Pendidikan Pusat Penelitian LPPM UM Metro DIDAKTIKA : Jurnal Kependidikan Matrik : Jurnal Manajemen dan Teknik Industri Produksi Jurnal Darma Agung Jurnal Visionary : Penelitian Dan Pengembangan Di Bidang Administrasi Pendidikan Jurnal Ilmiah Wahana Pendidikan Jurnal Pengabdian kepada Masyarakat Berajah Journal Jurnal EduHealth Juwara : Jurnal Wawasan dan Aksara An Idea Health Journal Register : Journal of English Language Teaching and Learning of FBS UNIMED Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Bansi (Jurnal Bisnis Manajemen Akuntansi) Fikruna : Jurnal Ilmiah Kependidikan dan Kemasyarakatan Jurnal Pengabdian Mandiri Journal of Technology Research in Information System and Engineering Jurnal Tren Bisnis Global Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Transform : Journal of English Language Teaching and Learning Innovative: Journal Of Social Science Research Kapas: Kumpulan Artikel Pengabdian Masyarakat Edukimbiosis: Jurnal Pendidikan IPA JOEEL (Journal of English Education and Literature) Jurnal KALANDRA Jurnal Forensik dan Medikolegal Indonesia JER Jurnal Farmasi Ma Chung: Sains, Teknologi, dan Klinis Komunitas Jurnal Gotong Royong Multidisciplinary Journal of Religion and Social Sciences (MJRS)
Rika, Rika
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Peran Fintech Syariah Dalam Meningkatkan Inklusi Keuangan Sumarni, Sumarni; Rika, Rika; Waqia, Nurul; Julianty, Amanda; Sunusi, Akbar M.
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2216

Abstract

The development of Islamic financial technology (sharia fintech) has become an important instrument in promoting financial inclusion in Indonesia, particularly for unbanked communities and Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the role of sharia fintech in enhancing digital financial inclusion and to identify the challenges in its implementation. This research employs a qualitative approach using a literature review of relevant national and international journal articles on sharia fintech and financial inclusion. The findings indicate that sharia fintech significantly contributes to expanding access to financial services through digital transaction convenience, service efficiency, and the application of transparent and equitable Islamic principles. However, the optimization of sharia fintech still faces several challenges, including low levels of Islamic financial literacy, limited digital infrastructure, and the need for stronger regulatory and supervisory frameworks. Therefore, collaboration among regulators, industry players, and the public is essential to ensure the sustainability of sharia fintech as a driver of inclusive and sustainable financial development
Analisis Halal Value Chain Pada Produk Umkm Studi Kasus Toko Serba Mente (Cemilan & Oleh-Oleh Kolaka) Marunta, Ristiyanti Ahmadul; Sunusi, Akbar M.; Julianti, Amanda; Waqia, Nurul; Pratiwi, Eki; Rika, Rika
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2261

Abstract

This study aims to analyze the implementation of the Halal Value Chain in UMKM Serba Mente, a local snack and souvenir business in Kolaka Regency. The Halal Value Chain emphasizes the application of halal principles throughout all stages of the value chain, including raw material procurement, production processes, packaging, distribution, and marketing. This research employed a qualitative descriptive approach. Data were collected through in-depth interviews with the business owner, direct observation of production activities, and supporting documentation. The findings indicate that UMKM Serba Mente has implemented halal principles consistently across its value chain, although some practices are still conducted in a simple manner. The implementation of the Halal Value Chain contributes positively to product quality, consumer trust, and the competitiveness of UMKM in local and national markets. However, several challenges remain, particularly related to resource limitations and external production factors. This study is expected to provide insights for the development of halal product management among similar UMKM.
Co-Authors Ainun, Ainun Akbar, Haerul Akrab, Zahwaqina Alini, Dela Andi Adam, Andi Anggara, Argy Ani Cahyadi Ansaria, Naila Anwar Musadad Ari Irawan Ariatna Ariyatna, Ariyatna Arnita Arnita Arsya, Fajriyani Aslianti, Aslianti Asrini, Tiara Ayu, Sadriana Azissah, Danur Bahar, Syamsul Bahri Darsi, Teddy Purnama Destiana, Yeyen Dewi Ramadani Dinah Dwi Amaliah Dismawati, Yenni Erlita, Yeni Erliyani, Rahmida Fahri Haswani FARIDA HANIM SARAGIH Fathir. B, Fahrul Fauzan . Firmansyah, Juli Fitri Fitri Gusnardi, Gusnardi Halisa, Halisa Handayani, Raden Sumratul Hernasari, Hernasari Hijrawati Hijrawati, Hijrawati Ibrahim Ibrahim Ichsan Anwary, Ichsan Ilham Ilham Indriani Indriani Intan, Pebilia Iqbal, Muchamad Irma Irma Ismail Sangkala, Ismail Ismu Kusumanto Isnaini, Febriana Nur Juanda Juanda Juli Rachmadani Julianti, Amanda Julianty, Amanda Jumita, Jumita Kadang, Yulta Khairunnisa Khairunnisa Kharisma, Windi Krismonika, Krismonika Lia, Sesi Lili Yanti, Lili Lioba, Lioba M, Mariam M. Fachrin Agsa M. Sabir, Fitriana Manalu, Ekam Sehari Mardiah Astuti Marunta, Ristiyanti Ahmadul Maryani, Tini Maslihatin, Tatik Melfa Yola, Melfa Muhajirin, Muhajirin Muhammad Arafah Muhammad Natsir Mustamiroh, Mustamiroh Muthaher, Annisa Anwar Mutyati, Mutyati Nadiyyah, Khoirotun Nailah Nailah Nasir Nasir Nasyua, Shavira Destia Nisa, Neny Fahrun Novia Anugra Nur Lindah Nur Yusaerah Nurfa, Nurfa Nurhasnah Nurhasnah Nurhidayat Nurhidayat nursani, nursani Nursyam, Aisyah Nurul Afni Oxtapianus Tawarik Pasnur Pasnur Pramesti, Indah Pratama, Muhammad Rizky Pratiwi, Eki Puspasari, Heny Rabiatul Adawiyah Rachmadi, Basuki Rahimah, Rahimah Rahman, Sarli Rahmi Haerani, Rosita Putri Rainatul Agustina, Nadya Rendy Setiawan Resha, Muhammad Reski Amaliah Riadi, RM. Rina Maryanti S, Muh. Sayfullah Safarudin Safarudin, Safarudin salamah salamah Santoso, Pamuji Hari Saragih, Anggraini T Saragih, Anggraini Thesisia Sarlina Sarlina, Sarlina Satria Perdana Serli, Serli Setianto, Erwan Setyawan, ‪Onny Sihombing, Dea Elisa Siregar, Syifa Habibah Siregar, Tiarnita Maria Sarjani Br. Siregar, Ummu Habibah Soetjipto, Ken Sabardiman SR, Hendra Kundrad SRI RAHAYU Sufiyah, Siti Suherman, Suherman Sumarni Sumarni Sunusi, Akbar M. Syahriar, Syahriar Tahir, Tahir Triwahyuni, Diana Tuti Rohani, Tuti Utami, Lilik Vizriani, Vizriani Wa Mawar, Wa Mawar Waqia, Nurul Widiasih Wijayanti, Suprihatin Wiwit Probowati Yuris, Evicenna Zakirman