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All Journal Economic Education Analysis Journal Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Indonesian Journal of Devotion and Empowerment (IJDE) Likuid: Jurnal Ekonomi Industri Halal Journal of Islamic Economic Laws
Mustofa, Ubaedul
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Improving Access to Capital for MSMEs in Kendal District Through Sharia Finance Education Mustofa, Ubaedul; Jaenudin, Ahmad; Ayiyah, Nur; Bariatin, Meisa Fatimah
Indonesian Journal of Devotion and Empowerment Vol 5 No 2 (2023): December 2023
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ijde.v5i2.74773

Abstract

Kabupaten Kendal merupakan satu dari 35 kabupaten/kota yang berada dalam wilayah Provinsi Jawa Tengah memiliki salah satu fokus Visi dan Misinya adalah meningkatkan kelas pelaku Usaha Mikro, Kecil dan Menengah (UMKM). Berdasarkan data dari Dinas Koperasi dan UMKM Kabupaten Kendal, sebaran jenis usaha UMKM didominasi oleh sektor kuliner/makanan dan tersebar di beberapa kecamatan. Para pelaku UMKM di Kabupaten Kendal juga terus mengalami kenaikan setiap tahunnya. Pertumbuhan pelaku UMKM di Kabupaten Kendal tersebut tentunya harus dibarengi dengan upaya peningkatan kapasitas dan kualitas produksinya. Sehingga dapat menaikkan kelas UMKM sebagaimana yang telah dicanangkan dalam program nasional “UMKM naik kelas” oleh Kementerian Koperasi dan UMKM sehingga diharapkan UMKM menjadi tulang punggung perekonomian Nasional. Namu untuk merealisasikan program tersebut tidaklah mudah, mengingat banyaknya tantangan yang dihadapi oleh para pelaku UMKM dalam upaya meningkatkan kualitasnya. Salah satu masalah utamanya adalah sulitnya pelaku UMKM dalam mendapatkan akses permodalan dari sektor perbankan dan industri keuangan lainnya. Hingga saat ini, pihak perbankan masih menilai pelaku UMKM tidak bank ability (bankable), yaitu usaha yang tidak memenuhi persyaratan perbankan untuk diberikan kredit atau pembiayaan. Padahal kebutuhan permodalan bagi UMKM saat ini cukup penting sebagai salah cara untuk meningkatkan produksi dan usaha UMKM sehingga cita-cita UMKM naik kelas dapat terwujud. Tujuan pengabdian ini adalah memberikan edukasi dan meningkatkan literasi keuangan berbasis syariah bagi pelaku UMKM sebagai alternatif upaya untuk meningkatkan akses permodalan/pembiayaan dari lembaga keuangan. Mitra pengabdian ini adalah PLUT (Pusat Layanan Usaha Terpadu Koperasi dan UMKM) Kabupaten Kendal yang sekaligus sebagai pihak yang menaungi pelaku-pelaku UMKM yang ada di Kabupaten Kendal. Kegiatan pengabdian ini juga dimungkinkan akan dikolaborasikan dengan sektor industri keuangan yang ada di Kabupaten Kendal khususnya sektor perbankan. Kendal Regency is one of 35 districts/cities within the Central Java Province region, which has one of the focuses of its Vision and Mission to increase the class of Micro, Small and Medium Enterprises (MSMEs) actors. Based on data from the Kendal Regency Cooperatives and UMKM Service, the distribution of MSME business types is dominated by the culinary/food sector and is spread across several sub-districts. MSMEs in Kendal Regency also continue to experience an increase every year. The growth of MSMEs in Kendal Regency must be accompanied by efforts to increase their production capacity and quality. It can raise the class of MSMEs, as has been proclaimed in the national program "MSMEs move up a class" by the Ministry of Cooperatives and MSMEs, so it is hoped that MSMEs will become the backbone of the National economy. However, realizing this program takes work, considering the many challenges MSME players face in improving their quality. One of the main problems is the need for MSME players to access capital from the banking sector and other financial industries. Until now, banks still consider MSMEs to be bankable, namely businesses that do not meet banking requirements to be given credit or financing. Capital requirements for MSMEs are crucial to increase MSME production and business so that MSMEs' dreams of moving up in class can be realized. This community service aims to provide education and increase Sharia-based financial literacy for MSME players as an alternative to increase access to capital/financing from financial institutions. This community service partner is PLUT (Pusal Layanan Usaha Terpdu) Kendal Regency, the party overseeing MSME actors in Kendal Regency. It is also possible that this community service activity will collaborate with the financial industry sector in Kendal Regency, especially the banking sector.
Initiation of Social Financing for Poverty Alleviation Through Cash Waqf Linked Qurban (CWLQ) in Indonesia Budiantoro, Risanda A.; Mustofa, Ubaedul; Asrori; Jayanto, Prabowo Yudo; Fauzi, Ahmad Syahrul; Runtiningsih, Sri
Journal of Islamic Economic Laws Vol. 8 No. 02 (2025): July
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v8i02.9892

Abstract

Poverty in Indonesia is a serious problem, where the amount of meat consumption is decreasing, and the inequality of meat consumption between the rich and poor groups is increasing every year. The sacrificial worship has great potential to improve the community's economy, including livestock waqf, which can overcome the inequality of meat consumption. This study aims to analyze the initiation of social financing facilities through CWLQ to alleviate poverty in Indonesia. The research method used is panel data analysis by combining data from 34 provinces in Indonesia in the period 2019-2023. The independent variables used are sacrificial production, poverty in the previous period, economic growth, HDI, and the Gini coefficient, while the dependent variable is the poverty rate. The results of the analysis of sacrificial production, poverty in the previous period, economic growth, HDI, and the Gini coefficient will provide insight into the influence of economic and social factors in poverty alleviation efforts. This research is expected to contribute to developing more effective waqf-based policies in Indonesia, especially in supporting the national agenda to reduce poverty. These findings can also be a reference for policymakers and social and financial institutions designing sustainable CWLQ management strategies that positively impact the welfare of the wider community.
The Role of Islamic Economics Literacy and Religiosity in Increasing Attitude and Behavior Environmental Awareness Mustofa, Ubaedul; Widiyanto, Widiyanto; Sehabuddin, Ahmad; Aulia, T. A. P.; Pramudita, A.
Economic Education Analysis Journal Vol 1 No 1 (2023): Economic Education Analysis Journal [Special Issue]
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v1i1.75406

Abstract

Environmental issues have become a global issue today. Based on the Environmental Performance Index 2022, Indonesia has only been ranked 164 of the 180 countries listed. This study aims to determine whether knowledge and understanding of Islamic economic values can increase awareness of the environment. This type of research is quantitative, with the variables Islamic Economics Literacy, Religiosity, Environmental Awareness Attitude, and Environmental Awareness Behavior. This study uses a population in the Islamic economic community or Masyarakat Ekonomi Syariah (MES) of Central Java, Indonesia, with a total sample of 200 respondents. Data analysis uses the SEM-PLS technique using WarpPLS 7.0. The study results in show that Islamic economic literacy can directly or indirectly improve attitudes and behavior toward caring for the environment. The theoretical implications of the results of this research certainly further strengthen the existing concepts and theories in Islamic economics, which emphasise the importance of protecting the environment. As for the practical implications, the results of this research can be used as a basis for stakeholders to continue implementing Islamic economic education programs to solve natural environmental problems through increasing awareness of the environment.
The Impact of Zakat on the Economy and Poverty in Indonesia Runtiningsih, Sri; Alirastra Budiantoro, Risanda; Syahrul Fauzi, Ahmad; Mustofa, Ubaedul; Syarifah, Lailatis; Rahmayani, Dwi
Journal of Islamic Economic Laws Vol. 9 No. 01 (2026): January
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v9i01.10461

Abstract

This study aims to examine the impact of zakat and various socio-economic factors on regional economic growth and poverty levels in Indonesia. Using panel data from 34 provinces in Indonesia for the period 2019-2021. This study examines the complex relationships between zakat distribution and key macroeconomic indicators within an Islamic economic framework, using a common effects model for the economic growth equation and a fixed effects model for the poverty equation. The results indicate that zakat has a positive significant effect on economic growth and has a negative  significant effect on poverty. This research provides valuable insights into the potential role of zakat in addressing economic inequality and promoting sustainable development in Indonesia.
Digital Transformation of Halal Supply Chain: A Global Bibliometric Analysis Runtiningsih, Sri; Syarifah, Lailatis; Jayanto, Prabowo Yudo; Fauzi, Ahmad Syahrul; Mustofa, Ubaedul; Alirastra, Risanda
Likuid Jurnal Ekonomi Industri Halal Vol. 6 No. 1 (2026): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v6i1.54078

Abstract

The aim of this study is to explore the global development and digital transformation of halal supply chain research through a bibliometric analysis approach. Using 547 articles indexed in Scopus and published between 2008 and mid-2025, the study uses VOS viewer software to examine publication trends, co-authorship networks and thematic structures. The results indicate increasing scholarly interest, with dominant contributions from Southeast Asian countries. Key research clusters focus on halal logistics, traceability, blockchain, sustainability and the integration of digital technologies. The findings reveal a research gap in the empirical application of digital solutions. This study contributes to addressing this gap by mapping the current research landscape and recommending future empirical exploration to operationalise digital halal innovations.
The Role of Sharia Compliance in Online Shop Applications in Improving Consumers’ Trust Sriani, Endang; Hasanah, Nidaul; Mustofa, Ubaedul
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.13606

Abstract

Muslim business transactions are governed by the principles of Islamic values, specifically Sharia compliance. However, accommodating these values poses a challenge for modern transaction system providers. This is because online shop providers have not been considering Sharia compliance as a crucial aspect to enhance consumer confidence, especially among Muslim consumers. Therefore, this research aims to determine the extent to which sharia conformity of web features and online shop applications influences consumers’ trust in the online shopping platform. It is a quantitative analysis that uses primary data from respondents representing the population. The research population comprises users of online shop applications that apply sharia compliance principles in their web design with sample data of 430 respondents. Furthermore, the data analysis uses linear and multiple regression methods aided by SPSS data analysis tools. The results show a positive and significant influence between sharia compliance, specifically avoiding prohibitions, object & price, buyer & seller, as well as offering & acceptance in websites design or online shop applications on consumers’ trust both partially and simultaneously. The partial influence of each sharia compliance variable is avoidance of main prohibitions, object & price, buyer & seller, as well as offer & acceptance by 60.6%, 62.6%, 69.3%, and 57.2%, respectively. Meanwhile, the simultaneous influence of sharia compliance variables on consumers’ trust is 79.4%, and other variables influence the remaining 20.6%. These results suggest that online shop consumers, specifically Muslims, make sharia values an essential criterion for selecting and using online shops. The theoretical contribution is to build and strengthen the concept and theory of sharia compliance to construct consumer trust. Concerning the practical contribution, the results could be the basis of consideration for online shop service providers to increase consumers’ trust by providing services in line with sharia compliance principles. Further research could explore additional variables that affect consumers’ confidence in using online shop platforms.
Co-Authors A. Pramudita Ahmad Jaenudin Ahmad Syahrul Fauzi Alirastra, Risanda Asrori Aulia, T. A. P. Ayiyah, Nur Bariatin, Meisa Fatimah Dwi Rahmayani, Dwi Lailatis Syarifah Nidaul Hasanah Prabowo Yudo Jayanto Risanda Alirastra Budiantoro Sehabuddin, Ahmad Sri Runtiningsih Sriani, Endang Syahrul Fauzi, Ahmad Widiyanto Widiyanto