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Literasi Keuangan Syariah Bagi Usaha Mikro dan Kecil Di Bangkinang Andrini, Rozi; Munir, Alchudri; Hasanah , Nur; Jenita, Jenita; Amanda, Elisa
Jurnal Pengabdian Masyarakat Isei Vol. 2 No. 2 (2024): Jurnal Pengabdian Masyarakat Isei
Publisher : ISEI Cabang Pekanbaru, Koordinator Provinsi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/abdimasisei.v2i2.292

Abstract

Usaha Mikro dan Kecil dapat dikatakan sebagai usaha syariah tidak hanya dilihat dari label halal namun juga dilihat dari pengelolaan keuangan yang dilakukan. Masih banyak pelaku Usaha Mikro dan Kecil di Kota Bangkinang yang menggunakan keuangan konvensional dalam mengelola pendapatan usaha. Sehingga perlu meningkatkan literasi keuangan syariah. Kegiatan pengabdian Masyarakat ini bertujuan untuk meningkatkan literasi keuangan syariah bagi pelaku Usaha Mikro dan Kecil di Kota Bangkinang yang pada akhirnya dapat meningkatkan pendapatan. Metode pengabdian ini dilakukan dengan analisis situasi, kemudian tim pengabdian menentukan metode pemecahan masalah yaitu memberikan pemahaman terkait literasi keuangan syariah, dan pengelolaan keuangan syariah bagi Pelaku Usaha Mikro dan Kecil. Khalayak sasaran dalam pengabdian ini adalah Ibu-Ibu Pelaku Usaha Mikro dan Kecil yang tergabung dalam Kelompok PPUMI. Hasil pengabdian ini menunjukkan bahwa meningkatnya literasi keuangan syariah bagi pemilik Usaha Mikro dan Kecil di Bangkinang. Hal tersebut dibuktikan dengan kesediaan seluruh peserta untuk menggunakan jasa bank syariah untuk keuangan usaha. Hasil kegiatan pengabdian ini dapat menjadi rekomendasi bagi pelaku Usaha Mikro dan Kecil di Kota Bangkinang yang tergabung didalam PPUMI untuk lebih meningkatkan pemahaman terkait keuangan syariah.
Assessment of Status and Sustainability Index for Smallholder Rubber Plantation in Riau Province of Indonesia Azwar, Budi; Andrini, Rozi; Hamdalah, Ahmad; Norhiza, Fitra Lestari; Taslim, Rika; Muhammad, Juandi
Jurnal Ilmu Lingkungan Vol 23, No 1 (2025): January 2025
Publisher : School of Postgraduate Studies, Diponegoro Univer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jil.23.1.208-217

Abstract

The conversion of rubber plantation to oil palm cultivation in Riau province is raising concerns regarding the decline of rubber commodity. Historically, the province has been a key producer of such commodity in Indonesia. The community-owned rubber plantation, on the other hand, is diminishing, leading to a troubling cycle that makes it difficult to establish environmentally sustainable programs. Therefore, this research aimed to assess sustainability of smallholder rubber plantation in Riau. It was observed that the comprehensive RapRubber analysis yielded an index of 39.76, classifying status as less sustainable. The results showed that the management of rubber plantation was under pressure. In a more detailed analysis, the ecological dimension had an index of 43.22, placing it in the less sustainable category. The economic dimension scored 50.80, signifying a relatively sustainable status. In contrast, the social dimension reduced with an index of 25.25, classifying it as less sustainable. The attributes that contributed to the unsustainability of the ecological dimension were fire frequency and by-products, while the factors contributing to less sustainability of the social dimension included the initial land-clearing methods, preservation practices, and local wisdom. In the economic dimension, land status and pricing were essential determinants of sustainability.
Pengaruh Modal Usaha Dan Luas Lahan Terhadap Pendapatan Petani Sagu Di Kepulauan Meranti Dalam Perspektif Ekonomi Islam Hendrisman, Hendrisman; Herlinda, Herlinda; Andrini, Rozi
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 1 (2025): Februari 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/joembas.v2i1.114

Abstract

This research aims to analyze the influence of business capital and land area on the income of sago farmers in the Meranti Islands from an Islamic economic perspective. The analysis in this research uses independent variables, namely Business Capital (X1) and Land Area (X2). Meanwhile, the dependent variable in this research is Sago Farmer Income (Y). The samples for this research were taken from sago farmers in the Sungai Tohor area, Tebing Tinggi Timur District, Meranti Islands Regency, located on the Tohor River using the Quantitative Correlational method. Data collection techniques were carried out using qualitative descriptive methods. The population of this study were sago farmers with 82 respondents in Sungai Tohor, Tebing Tinggi Timur District, Meranti Islands Regency who had a dry sago starch production capacity of 400 tons per month, involving 18 sago refinery IKMs. The result is that business capital and land area have a positive and significant influence on the income of sago farmers in the Tohor River area, Tebing Timur District, Meranti Islands Regency. This is proven by showing that the business capital variable has a significance value of 0.045, which is smaller than 0.050 (0.045 < 0.050), and is supported by the results of statistical calculations which show that t count > t table. And the land area results of the multiple linear test show that the land area variable has a significance value of 0.023. Business capital and land area have an influence on the income of sago farmers in the Sungai Tohor area, Tebing Timur District, Meranti Islands Regency. This is shown by the results of the F statistical test on all independent variables in the model which have an influence on the dependent variable simultaneously, supported by the results of statistical calculations which show that calculated f > f table f is obtained at 5.741 with a significance of 0.005, this shows that this regression model is feasible to use. Because the significance level is smaller than 0.050, it can be said that working capital and land area have a simultaneous and significant effect on the income of sago farmers. It can be concluded that business capital and land area play an important role in determining farmer income.
Peran Perbankan Syariah Sebagai Nazhir Wakaf Uang di Indonesia Ananda, Lili Permata; Andrini, Rozi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 11 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

Penelitian ini mengeksplorasi peran perbankan syariah sebagai nazhir wakaf uang di Indonesia, khususnya dalam konteks transformasi digital. Menggunakan pendekatan kualitatif, penelitian ini menganalisis implementasi, tantangan, dan peluang terkait pengelolaan wakaf uang di lembaga perbankan syariah. Hasil penelitian menunjukkan bahwa bank syariah telah secara signifikan meningkatkan pengelolaan wakaf uang melalui integrasi teknologi finansial, yang meningkatkan efisiensi dan transparansi. Namun, tantangan terkait kepatuhan regulasi dan kapabilitas sumber daya manusia masih ada. Studi ini menekankan pentingnya kolaborasi antara bank syariah dan platform fintech untuk mengoptimalkan penghimpunan dan pengelolaan wakaf uang sekaligus memastikan akses yang lebih luas bagi masyarakat. Selain itu, penelitian ini menyoroti kebutuhan akan kerangka regulasi yang mendukung dan peningkatan kompetensi digital di perbankan syariah untuk memaksimalkan potensi wakaf uang di Indonesia. Secara keseluruhan, penelitian ini menekankan bahwa digitalisasi perbankan syariah dapat berkontribusi signifikan terhadap pertumbuhan wakaf uang, yang pada akhirnya memberikan manfaat bagi perkembangan sosial dan ekonomi di negara ini.
Analisis Kesesuaian Fintech Syariah Berdasarkan Konsep-Konsep Syariah Adel, Ichsanul Reihan; Andrini, Rozi
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.30078

Abstract

Penelitian ini membahas kesesuaian financial technology (fintech) dengan prinsip-prinsip keuangan syariah yang meliputi akad, maqashid al-syari’ah, serta kepatuhan terhadap nilai-nilai Islam. Tujuan kajian ini adalah untuk mengidentifikasi integrasi prinsip syariah dalam praktik fintech, serta menganalisis tantangan dan peluang pengembangan fintech syariah di Indonesia. Metode penelitian menggunakan pendekatan deskriptif kualitatif melalui studi pustaka dari berbagai literatur nasional dan internasional. Hasil penelitian menunjukkan bahwa meskipun fintech dapat menjadi solusi inklusi keuangan, implementasinya masih menghadapi kendala regulasi, standar akad, dan literasi masyarakat. Oleh karena itu, diperlukan regulasi khusus dan edukasi menyeluruh agar fintech syariah dapat berkembang sesuai dengan konsep keuangan Islam. Penelitian ini juga menekankan peran penting pemerintah, institusi pendidikan, dan lembaga keuangan dalam membentuk ekosistem fintech syariah yang berkelanjutan
Analisis Perkembangan Sosial Ekonomi Peradapan Islam Masa Khulafaur Rasyidin Adel, Ichsanul Reihan; Wahyudi, Wahyudi; Andrini, Rozi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.1529

Abstract

This research discusses the social and economic analysis during the Khulafaur Rasyidin period. The main problem examined is how the policies implemented by Abu Bakar, Umar, Utsman, and Ali impacted the economic development and social stability of the Muslim community. The objective of this study is to analyze and describe the effects of social and economic policies during that era on the establishment of a strong and sustainable Islamic civilization foundation. The method used is a literature study with a descriptive approach, where data is obtained from books, scientific articles, and relevant published documents. The data is systematically analyzed to map the impact of zakat policies, wealth distribution, infrastructure development, and internal conflicts that occurred. The conclusion of this research indicates that the Khulafaur Rasyidin period serves as an important foundation for the development of the Islamic socio-economic system. Although various political challenges and internal conflicts hindered economic growth during Ali's time, the policies of zakat redistribution and administrative reforms implemented by the other caliphs significantly contributed to the social and economic welfare of the Muslim community.
Kajian tehadap Faktor yang Mempengaruhi Pertumbuhan Asuransi Syariah di Indonesia Anjelina, Juwita; Andrini, Rozi
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3881

Abstract

Asuransi syariah merupakan bagian penting dari industri keuangan syariah yang memiliki prospek besar di Indonesia, negara dengan populasi Muslim terbesar di dunia. Meskipun potensinya besar, penetrasi pasar asuransi syariah masih rendah dibandingkan dengan asuransi konvensional. Penelitian ini bertujuan untuk menganalisis berbagai faktor yang mempengaruhi pertumbuhan asuransi syariah di Indonesia. Metode yang digunakan adalah studi pustaka dengan pendekatan deskriptif kualitatif, di mana sumber data diperoleh dari buku, jurnal, laporan resmi, dan dokumen relevan lainnya. Hasil penelitian menunjukkan bahwa terdapat beberapa faktor utama yang mendorong pertumbuhan asuransi syariah, antara lain tingkat pendidikan dan pendapatan, peningkatan jumlah unit usaha syariah, peran strategi energi pemasaran, layanan digitalisasi, dukungan regulasi yang jelas, serta peningkatan literasi keuangan masyarakat. Penelitian ini juga menemukan peluang seperti kolaborasi dengan fintech dan peningkatan aksesibilitas melalui teknologi digital. Di sisi lain, tantangan yang dihadapi mencakup rendahnya literasi masyarakat, keterbatasan sumber daya manusia yang profesional, dan kurangnya promosi produk. Implikasi dari penelitian ini menekankan pentingnya sinergi antara pemerintah, industri, akademisi, dan masyarakat dalam mengembangkan strategi yang efektif untuk memperluas jangkauan dan meningkatkan kepercayaan terhadap asuransi syariah. Dengan pendekatan yang tepat, asuransi syariah dapat tumbuh secara berkelanjutan dan inklusif di Indonesia.
Regional Synergy Model in Strengthening Islamic Social Finance: Southeast Asian Perspective Zakiyah, Hanifah; Andrini, Rozi
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3989

Abstract

Islamic Social Finance (ISF) is a vital instrument in promoting economic justice in Islam through the management of zakat, infaq, sadaqah, and waqf (ZISWAF). In Southeast Asia, Muslim-majority countries such as Indonesia, Malaysia, and Brunei have developed national-level ISF systems. However, regulatory fragmentation, the absence of cross-border coordination, and suboptimal technological integration remain significant barriers to collective efforts aimed at empowering the Muslim community at the regional level. This research designs an adaptive and sustainable regional synergy model in strengthening Islamic Social Finance in Southeast Asia. The research employs a descriptive qualitative approach, relying on in-depth literature analysis of regulations, institutional reports, and academic publications in the field of Islamic social finance. Data were analyzed using content analysis to identify challenges and opportunities for inter-country collaboration and to develop a conceptual framework for cross-border synergy. The findings reveal a high potential for ISF in the region, supported by a large Muslim population, active managing institutions, and advancing digitalization in several countries. Nonetheless, disparities in legal systems, lack of data sharing, and the dominance of national approaches serve as major constraints. This article proposes the establishment of a synergy model consisting of a regional coordinating institution, a Southeast Asia ISF data center, and a shared digital platform for managing cross-border ZISWAF funds. The study recommends ASEAN support in creating a regional legal framework for ISF, the development of cross-national human resources, and collaborative research to ensure effective and sustainable implementation.
Hybrid Philanthropy for SDGs: A Comparative Analysis of Funding Distribution Challenges in Remote Areas of Singapore and India Syahreza Pahlevi, Mohamad; Andrini, Rozi
Asian Journal of Muslim Philanthropy and Citizen Engagement Vol. 1 No. 2 (2025): Asian Journal of Muslim Philanthropy and Citizen Engagement
Publisher : MD Research Center Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63919/ajmpce.v1i2.24

Abstract

This research examines the distribution of philanthropic funds in the context of achieving the Sustainable Development Goals (SDGs) in remote areas, focusing on two countries: Singapore and India. The approach used is a qualitative literature study aimed at exploring the challenges and opportunities in the distribution of philanthropic funds and understanding the factors influencing the success or failure of philanthropic initiatives in achieving development goals. The main findings indicate that despite significant philanthropic funding efforts in both countries, there is a substantial gap between the initiatives’ objectives and local needs. In India, misalignment between philanthropic policies and socioeconomic conditions, along with infrastructure limitations, often hinders program effectiveness. Meanwhile, in Singapore, although government policy support and digital technology can accelerate resource mobilization, difficulties remain in reaching underrepresented remote areas. The study also highlights the importance of cross-sector collaboration and transparency in fund distribution processes to ensure greater impact on SDG achievement. The scientific contribution of this study introduces the concept of hybrid philanthropy as a potential new model for managing funds for sustainable development purposes. Furthermore, it underscores the need for further research on the roles of government and social institutions in creating a more inclusive and adaptive philanthropic ecosystem responsive to local conditions.
ANALYSIS OF PRODUCTIVE WAQF FINANCIAL MANAGEMENT AT THE INDONESIAN WAKAF BOARD (BWI) REPRESENTATIVE OF RIAU PROVINCE Andrini, Rozi
Jurnal Al-Iqtishad Vol 19, No 1 (2023)
Publisher : Economic and Science Faculty of Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jiq.v19i1.21426

Abstract

The Indonesian Waqf Agency (BWI) Representative for Riau Province exists as an independent institution to support the development of waqf in Riau Province. As an independent institution, BWI functions, one of which is to manage and develop waqf assets on a national and international scale. However, phenomena in the field show that waqf funds at BWI are still relatively small to be managed. This study aims to analyze productive waqf financial management at BWI Riau Province Representative. This research is field research (field research) with a qualitative approach. The results of the study show that the Indonesian Waqf Agency (BWI) Representative of Riau Province has carried out financial management well and at this time productive waqf financial management has been carried out according to the standards set by BWI. However, there are drawbacks, namely that it is only limited to managing the types of cash waqf deposited in Islamic banks. In addition, BWI has problems in financial management, namely the absence of a Sharia Guarantee Institution. This research is expected to provide recommendations for the BWI Riau Province Representative in managing productive waqf finances as well as material for evaluating the functions of BWI.