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All Journal Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Abdimas Indonesian Journal
Yetti, Febri Delmi
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Religion Humanities Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Reducing Dependence on Non-Sharia Loans through Sharia Family Financial Education: A Participatory Action Research in Limbungan Baru Village Yetti, Febri Delmi
Abdimas Indonesian Journal Vol. 5 No. 2 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1357

Abstract

The objective of this community service program is to improve family economic resilience by strengthening Islamic financial literacy and management practices, enabling families to reduce their dependence on non-Islamic loans and develop healthy and sustainable financial habits. This community service program utilizes a Participatory Action Research (PAR) design, positioning the community as the subject of change through a continuous cycle of reflection, action, and reflection to address family dependence on non-Islamic loans. The program was implemented in Limbungan Baru Village, involving 15 partner families through five PAR stages (To Know, To Understand, To Plan, To Act, and To Change) over four months. Data collection techniques included participant observation, focus group discussions (FGDs), interviews, and documentation. Data were analyzed qualitatively through data reduction, thematic categorization, and synthesis of meaning. Validity was strengthened through triangulation and member checking, while upholding participatory ethical principles. This community service program resulted in improved Islamic financial literacy among families, characterized by changes in understanding, attitudes, and financial management practices, particularly in recording, budgeting, and financial decision-making. Dependence on non-Sharia-compliant loans has begun to decline gradually as families are able to control spending and postpone consumer loans through more rational and equitable planning. Furthermore, the PAR process builds collective awareness and community solidarity in addressing economic challenges as a shared, not merely individual, problem. The program still faces limitations in the form of unstable family incomes and the relatively short duration of mentoring, resulting in behavioral changes that are not yet fully distributed and permanent.
Hubungan Tabungan Nasional, Akumulasi Modal, dan Pertumbuhan Output di Indonesia 2020–2024: Analisis Teoretis dan Empiris Berdasarkan Model Solow–Swan Yetti, Febri Delmi; Ahmad Yusuf, Ayus
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol. 11 No. 1 (2026): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v11i1.14012

Abstract

This study examines the relationship between national savings, capital accumulation, and economic growth in Indonesia during the period 2020–2024 by integrating conventional growth theory (Solow–Swan and Blanchard) with Islamic economic perspectives, including maqasid al-shariah, risk-sharing mechanisms, and Islamic financial instruments. Using secondary data from BPS, Bank Indonesia, OJK, and the Ministry of Finance, this research applies descriptive–quantitative analysis, Pearson correlation, and steady-state simulations to evaluate Indonesia’s growth dynamics. The findings show that Indonesia’s national saving rate (33–34% of GDP) reflects strong domestic financial capacity but remains below the estimated golden rule level. Investment efficiency is also relatively low, as indicated by a high ICOR (6–7), suggesting limited output gains from capital accumulation. The positive correlation between savings and output (r ≈ 0.78) mainly reflects macroeconomic stability rather than long-term causality. Furthermore, Islamic financial instruments such as sovereign sukuk, profit-sharing financing, productive waqf, and ZISWAF demonstrate significant potential to improve capital efficiency and promote inclusive and sustainable economic growth.
Co-Authors Ayus ahmad Yusuf