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Journal : Nusantara Science and Technology Proceedings

Mawar (Melawan Rentenir): Integrated Msme’s Financial Inclusion Strategy in Sharia-Based Chasanah, Amalia Nur; Budiantoro, Risanda Alirastra; Putra, Febrianur Ibnu Fitroh Sukono; Herawati, Ratna
Nusantara Science and Technology Proceedings 3rd Economics, Business, and Government Challenges 2020
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/nstp.2021.1306

Abstract

Allah has provided Islam as life guidance to be used in taking and undergoing all life aspects, including management and business financing. In the perspective of Islamic finance, financing venture capital through moneylenders will make the borrower in a difficult situation. This research aims to analyze the integrated financial inclusion strategy in sharia-based MSME's financing in the Semarang City with the MAWAR Program. Mawar program is a funding assistance program for potential micro small and medium entrepreneurs based on sharia with Murabahah by collaborating through a memorandum of understanding with several other agencies, such as Sharia People Financing banks, Semarang City Amil Zakat Agency, Semarang Syariah Economic Community, Semarang City Cooperatives and Micro Enterprises Agency, telecommunications companies, branchless banking agents and financial technology institutions. The benefit obtained can provide scientific contributions to empowerment management and can be developed into a study material for long-term planning programs by the Semarang City Government in empowering micro, small and medium enterprises so they can be competitive, independent, prosperous, and cultured based on religiosity values. The approach method used qualitative research with analytical tools is the business model canvas. Data collection method used observation, interviews, and literature study. The results of this research are with the MAWAR Program, the Semarang City Government does not charge any additional costs to the borrowers (MSME's). The legal basis of this program is based on a memorandum of understanding between the stakeholders involved and Islamic sharia.
Co-Authors Ahmad Sultra Rustan AYU RATIH PRATIWI Balgis Alzagladi CANDRA LESMANA DANY NOVAN ARDIANSAH DEWA PUTU GEDE SATRIA WIWEKA DWI PUTRA DARMAWAN Elpisah Elpisah Fikrinda Fikrinda Gede Mekse Korri Arisena GUSTI AYU PUTU WIDHI ASTUTI I Dewa Gede Raka Sarjana I Dewa Putu Oka Suardi I Gede Bagus Dera Setiawan I GUSTI AGUNG AYU AMBARAWATI I KADEK JEPRI PRIYADI I KETUT BUDI SUSRUS I Ketut Suamba I KOMANG DEDY JUNIARTHA I KOMANG YOGA PRAMANA PUTRA I Made Antara I MADE OKA SURYA ARTAMA I MADE PUJA ASTAWA I MADE SUDARMA I MADE WAHYU PEBRIANA I NENGAH ARI MEDIKANA I Nyoman Gede Ustriyana I NYOMAN USADI PRADNYANA I PUTU GEDE ADHI KRISNA KARTIKA PRATAMA I PUTU TESSA ANDIKA I WAYAN BUDIASA I WAYAN WIDYANTARA I WAYAN WINDIA IDA AYU CANDRA DEWI Ida Ayu Listia Dewi Indah Prihatin Jihan Najwah JON ALPREDO MALAU Jubba, Hasse K. RATIH RAHAYUNINGSIH Kadek Githa Damayanti Wiputra KADEK WIDIANTARA KADEK YARDI MAHADIKARA M. Sudiana Mahendra M.TH. HANDAYANI MADE ANTARA MADE AYU DESSY DORA AGNELLIA Made Sudarma MADE SUDARMA Muslim Muslim Naufal Hilmi Marzuq NI KADEK ANISA DWI PURNANTARI NI KADEK PONIAMBA SETIAWATI, NI LUH PUTU ERMA MERTANINGRUM NI MADE SRI PUSPITAWATI NI NENGAH SURIATI NI NYOMAN TISNA DEWI ni Putu Era Prasistya Damayanti NI PUTU RISKIANA ULANDARI NI PUTU SASRI WIRANTI NUR RANGGA SIDHARTA Nyoman Parining Pande Made Ari Ananta Paramarta PRADNYA ARUNA WIJAYA PUTU ANGGA ADITYA PUTU DEWI WIDIANTARI Putu Udayani Wijayanti Ratna Herawati RATNA KOMALA DEWI Ratna Wardani Risanda Alirastra Budiantoro RISTA ULVIA RAMADHANI Suriani Suriani WAYAN SUDARTA WIDHIANTHINI WIDHIANTHINI WIDIAWATI WIDIAWATI