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All Journal Dakwatuna: Jurnal Dakwah dan Komunikasi Islam Al-Mizan: Jurnal Hukum Islam dan Ekonomi Syariah Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) Journal of Islamic Economics and Business Indonesian Journal of Community Services Cel Sharia Oikonomia Law Journal Teumulong: Journal of Community Service TAMKIN Jurnal Pengabdian Masyarakat
Sungkawaningrum, Fatmawati
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Religion Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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The Transforming the Household Economy Through Home Industry: (Analysis of the Social and Economic Impact of the Ijuk Argo Jaya Home Industry) Sungkawaningrum, Fatmawati; Handona, Farhatul; Sariyekti, Eko
Sharia Oikonomia Law Journal Vol. 2 No. 2 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55849/solj.v2i2.1154

Abstract

The development of the small industrial sector in Indonesia, especially home industry, is important in driving the community's economy, creating jobs and increasing household income. In the context of Islamic economics, entrepreneurship is recommended as part of worship to fulfill life's needs in a halal way. Home industry plays a strategic role in utilizing local raw materials and increasing economic resilience to crises. This research aims to explore the role of the Ijuk Argo Jaya Home Industry in absorbing labor and improving the household economy in Bringin Tegalsari Kedu Hamlet, Temanggung Regency. The scope of this research identifies the role of the Argo Jaya palm fiber home industry in absorbing labor and improving the household economy in the local community. This research method uses a case study with primary data from observation, interviews and documentation, as well as secondary data from relevant literature. Data analysis was carried out through data reduction, data presentation, and drawing conclusions which were verified by triangulation of sources and techniques. The research findings of the Argo Jaya palm fiber home industry provide permanent employment, especially for the elderly and housewives, increasing the flexibility of working hours and adapting to labor needs. This home industry plays an important role in empowering local communities and improving the household economy
The Tutorial Environmental Integration in Development Strategy and Economic Growth: A Macroeconomic Perspective Sungkawaningrum, Fatmawati
Teumulong: Journal of Community Service Vol. 2 No. 3 (2024): June 2024
Publisher : Institute of Education and Social Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62568/jocs.v2i3.33

Abstract

This researchoutlines how macroeconomic policies and actions can contribute to environmental sustainability while achieving stable economic growth. The problem is that uncontrolled economic growth and lack of attention to the environment have resulted in significant negative impacts, such as climate change and ecosystem degradation.The aim of this research is to explore the integration of environmental factors in development strategies and economic growth. This research method involves literature analysis, environmental impact assessment, and tracking sustainable macroeconomic policies. The research results show that environmental integration in macroeconomics is the key to achieving sustainable economic growth. This involves the use of strict environmental regulations, development of sustainable economic sectors, investment in technological innovation, and cooperation with the private sector. In conclusion, the integration of the environment in development strategies and economic growth brings economic and environmental benefits. In facing ongoing macroeconomic challenges, balanced policies between economic and environmental interests are needed to achieve sustainable development goals.
Etika Pasar dan Kejujuran Transaksi dalam Pasar Persaingan Sempurna: Perspektif Ekonomi Islam Munjid, Mohamad Abdul; Sungkawaningrum, Fatmawati
Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) Vol 3, No 3: Desember 2024
Publisher : STIE PENA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/emba.v3i3.1189

Abstract

This paper aims to explore the role of market ethics and honesty in transactions as important factors in achieving perfectly competitive markets, especially from an Islamic economics perspective. In the Islamic economic system, market ethics emphasize fairness, transparency and honesty in trading. A perfectly competitive market, characterized by a large number of sellers and buyers, perfect information, and freedom to enter and exit the market, is considered a fair mechanism for determining fair prices. Through a literature review, this paper highlights how the principles of market ethics and honest transactions contribute to market effectiveness as well as economic justice. Keywords: Market Ethics, Perfect Competition Market, Islamic Economics
Transformasi Usaha Gula Semut: Solusi Inovatif untuk Meningkatkan Kesejahteraan Pengrajin Sungkawaningrum, Fatmawati; Maulana, Sendi; Nada, Silvia Khoirun; Eliyanti, Eni
Tamkin Jurnal Pemberdayaan Tazkia Vol. 3 No. 1 (2025): TAMKIN: Jurnal Pengabdian Masyarakat
Publisher : Tazkia Islamic University College

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tamkin.v3i1.518

Abstract

Pengrajin gula semut memiliki peran penting dalam perekonomian pedesaan, tetapi mereka menghadapi berbagai tantangan, seperti fluktuasi harga, ketergantungan pada tengkulak, dan keterbatasan akses pasar serta modal. Kondisi ini menyebabkan rendahnya kesejahteraan pengrajin dan lemahnya daya saing di pasar global. Analisis kesenjangan menunjukkan bahwa hanya sebagian kecil pengrajin yang mampu menjual produknya secara langsung, sementara mayoritas masih bergantung pada perantara dengan harga jual rendah. Selain itu, keterbatasan teknologi dan kualitas produk juga menjadi hambatan dalam menembus pasar internasional. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keberlanjutan usaha pengrajin gula semut serta merumuskan strategi pemberdayaan guna meningkatkan daya saing mereka. Metodologi yang digunakan adalah pendekatan kualitatif dan kuantitatif dengan survei, wawancara mendalam, serta analisis data sekunder dari Dinas Perindustrian. Pembahasan mencakup strategi pemasaran, inovasi produksi, serta model kemitraan yang dapat mengurangi ketergantungan pada tengkulak. Temuan menunjukkan bahwa akses pasar langsung, diversifikasi produk, serta pemanfaatan teknologi sederhana dapat meningkatkan pendapatan pengrajin secara signifikan. Rekomendasi dari penelitian ini diharapkan dapat menjadi dasar kebijakan dalam mendukung pengrajin gula semut agar lebih mandiri dan berdaya saing di pasar global.
Dakwah bil Hal Pesilat Pagar Nusa di Temanggung Sungkawaningrum, Fatmawati; Baehaqi, Muh.
Dakwah Vol 11 No 1 (2025): FEBRUARI
Publisher : Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/dakwatuna.v11i1.3466

Abstract

Pagar Nusa silat practitioner in Temanggung is a pencak silat school under the auspices of Nahdlatul Ulama. The frequent brawls between martial arts schools have motivated Pagar Nusa martial artists in Temanggung to engage in dakwah bil hal (preaching through actions) to prevent such conflicts from escalating. This research is a field study using a qualitative descriptive approach. The findings reveal that Pagar Nusa Temanggung applies nine stances that serve as the foundation of their movements while also reflecting profound philosophical and moral values. These stances not only regulate physical movements but also symbolize deep spiritual and ethical meanings. The nine stances are: pagar bangsa (national defense stance), tempel stance (close attachment stance), silang dada (cross-chest stance), pagar nusa (Pagar Nusa stance), silang bawah (low cross stance), kepal pinggang (fist-on-waist stance), sangkol (hook stance), lurus bawah (straight-down stance), and kuda-kuda kaki satu (one-legged horse stance). The implementation of dakwah bil hal values by Pagar Nusa silat practitioner in Temanggung includes: promoting unity in religious diversity, embodying humility and wisdom, upholding the principle of Islam rahmatan lil alamin (Islam as a mercy to all creation), providing moral and spiritual education, countering radicalism through local wisdom, and serving as role models for the community.
Waste Management and the Formation of Environmental Concern Behavior in the Social Perspective of the Community Sungkawaningrum, Fatmawati; Istinganah, Alfiatul; Wardani, Anisa Nurul Shanti Kusuma; Azizah, Artika Nurohmatul
Indonesian Journal of Community Services Cel Vol. 1 No. 2 (2022): Indonesian Journal of Community Services Cel
Publisher : Research and Social Study Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70110/ijcsc.v1i2.26

Abstract

Waste management is still a problem that needs to be resolved. Garbage that is not processed properly will cause things that are harmful to the environment such as pollution to water, soil and air and can cause disease. Therefore, community service activities are needed to increase understanding and awareness so that changes in people's behavior in waste management occur. Community service activities were carried out in Krincing Village, Secang Subdistrict, Magelang Regency at February 2022. With approximately 50 participants. The main activity of community service is in the form of sharing (speech) and discussion followed by questions and answers. Then practice waste management by sorting and selecting which waste still has economic value (price). With this community service activity, understanding and concern for the community is seen to increase by showing enthusiastic and active behavior in waste management practices. In addition, people who have practiced waste management get income from the sale of waste which still has economic value by waste bank (bank sampah).
Mikrofinansial dan Realitas Pedagang Kecil: : Menguak Peran Rentenir dalam Akses Permodalan Sungkawaningrum, Fatmawati; Munjid, Mohamad Abdul; Ayu, Navirta
Al-Mizan Vol 11 No 1 (2024): Al-Mizan
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam (IAI) Al-Aziziyah Samalanga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54621/jiam.v11i1.933

Abstract

Komunitas pedagang kecil sering menghadapi tantangan dalam mengakses sumber keuangan formal, sehingga rentenir menjadi pilihan utama untuk memenuhi kebutuhan modal mereka. Fenomena ini didasarkan pada kecepatan pencairan dana dan ketiadaan syarat agunan yang ditawarkan oleh rentenir. Meskipun bunga yang dikenakan lebih tinggi, pedagang kecil tetap memilih rentenir karena kemudahan akses tersebut. Penelitian ini bertujuan menganalisis determinan keputusan keuangan pedagang kecil dalam mengakses pinjaman rentenir menggunakan pendekatan Teori Keuangan Mikro (Microfinance Theory). Penelitian ini menggunakan metode kualitatif dengan teknik wawancara mendalam dan studi literatur untuk memahami perilaku keuangan pedagang kecil. Temuan penelitian menunjukkan bahwa komunikasi sosial antara rentenir dan nasabahnya berperan penting dalam membangun keterikatan dan kepercayaan. Kemudahan pencairan dana kapan saja dan tanpa syarat administratif menjadi faktor utama yang memengaruhi keputusan pedagang kecil. Namun, hal ini juga memunculkan konsekuensi berupa ketergantungan keuangan pada rentenir. Kesimpulan dari penelitian ini adalah perlunya inovasi keuangan inklusif yang dapat menjadi alternatif bagi pedagang kecil, sehingga mereka tidak terjebak dalam siklus utang berbunga tinggi. Penelitian ini memberikan kontribusi terhadap pengembangan model keuangan yang lebih adil dan aksesibel bagi komunitas pedagang kecil.
Neglected Financial Inclusion: A Study of the Financing Disparity of Ultra-Micro Enterprises in Indonesia Watty, Fatmah; Sungkawaningrum, Fatmawati
Journal of Islamic Economics and Business Vol. 5 No. 1 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The ultra-micro business sector, dominated by street vendors, daily traders, and itinerant traders, faces limited access to financing from formal financial institutions (LKF), especially for needs below IDR 3,000,000. This study aims to analyze the obstacles faced by ultra-micro business actors in accessing formal financing. Using a qualitative approach, data were collected through in-depth interviews with business actors and LKF representatives. The results of the study show that LKF has not optimally reached this segment due to regulatory and internal bureaucratic constraints. As a result, business actors turn to Informal moneylenders who offer high-interest loans, which actually increases the burden and worsens the inequality of financial access. This study emphasizes the importance of redesigning financial inclusion policies to be more adaptive, and fair in responding to the needs of ultra-micro business actors.
Co-Authors Ayu, Navirta Azizah, Artika Nurohmatul Eliyanti, Eni Handona, Farhatul Istinganah, Alfiatul Maulana, Sendi Muh. Baehaqi Munjid, Mohamad Abdul Nada, Silvia Khoirun Sariyekti, Eko Wardani, Anisa Nurul Shanti Kusuma Watty, Fatmah