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Empowering sharia-based Micro, Small and Medium Enterprises (MSMEs) in Indonesia: A Socioeconomic and ethical framework for inclusive development Rukmanda, Meirani Rahayu; Bisri, Hasan; Jubaedah, Dedah; Gojali, Dudang; Hadi, Sholikul
International Journal of Nusantara Islam Vol 13 No 2 (2025): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v13i2.47733

Abstract

Sharia-based Micro, Small, and Medium Enterprises (MSMEs) represent a critical driver of economic development in Indonesia, contributing significantly to employment, poverty alleviation, and local entrepreneurship. In a country with the world’s largest Muslim population, the integration of maqāṣid al-sharī‘ah principles into MSME governance offers a unique pathway toward ethical and inclusive economic growth. This study investigates the institutional, financial, and socio-religious dynamics that shape the performance and sustainability of Sharia-compliant MSMEs. It explores how Islamic economic principles intersect with regulatory frameworks and market practices to influence business outcomes in this sector. The objective is to formulate a conceptual and practical model for strengthening Sharia-based MSMEs in Indonesia. Adopting a qualitative approach, this research utilizes document analysis from regulatory texts, journal articles, and Islamic economic theory. Findings reveal critical challenges in legal harmonization, limited access to Sharia-compliant financing, and inconsistent application of ‘adl (justice), amanah (trust), and raḥmah (compassion) in entrepreneurial practices. However, notable opportunities exist in the areas of community-based empowerment, halal certification, and fintech adoption aligned with Islamic values. This study contributes to both policy and academic discourses by offering an integrative perspective on Sharia-based MSMEs. It highlights the importance of strengthening tawhidic foundations in economic structures and provides a roadmap for policymakers, practitioners, and scholars committed to building an inclusive and just economic system rooted in Islamic ethics.
Empowering sharia-based Micro, Small and Medium Enterprises (MSMEs) in Indonesia: A Socioeconomic and ethical framework for inclusive development Rukmanda, Meirani Rahayu; Bisri, Hasan; Jubaedah, Dedah; Gojali, Dudang; Hadi, Sholikul
International Journal of Nusantara Islam Vol 13 No 2 (2025): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v13i2.47733

Abstract

Sharia-based Micro, Small, and Medium Enterprises (MSMEs) represent a critical driver of economic development in Indonesia, contributing significantly to employment, poverty alleviation, and local entrepreneurship. In a country with the world’s largest Muslim population, the integration of maqāṣid al-sharī‘ah principles into MSME governance offers a unique pathway toward ethical and inclusive economic growth. This study investigates the institutional, financial, and socio-religious dynamics that shape the performance and sustainability of Sharia-compliant MSMEs. It explores how Islamic economic principles intersect with regulatory frameworks and market practices to influence business outcomes in this sector. The objective is to formulate a conceptual and practical model for strengthening Sharia-based MSMEs in Indonesia. Adopting a qualitative approach, this research utilizes document analysis from regulatory texts, journal articles, and Islamic economic theory. Findings reveal critical challenges in legal harmonization, limited access to Sharia-compliant financing, and inconsistent application of ‘adl (justice), amanah (trust), and raḥmah (compassion) in entrepreneurial practices. However, notable opportunities exist in the areas of community-based empowerment, halal certification, and fintech adoption aligned with Islamic values. This study contributes to both policy and academic discourses by offering an integrative perspective on Sharia-based MSMEs. It highlights the importance of strengthening tawhidic foundations in economic structures and provides a roadmap for policymakers, practitioners, and scholars committed to building an inclusive and just economic system rooted in Islamic ethics.
Praktik Pre-Order di E-Commerce Perspektif Akad Salam Nursari, Nina; Nasrudin, Nasrudin; Jubaedah, Dedah; Mustofa, Mustofa
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1157

Abstract

The development of digital technology has changed the pattern of economic transactions, including online buying and selling systems with pre-order schemes that are increasingly common. In the context of Islamic economics, the salam contract is a form of permissible sale and purchase with advance payment for goods delivered at a later date. This research aims to analyze the suitability of pre-order practices in online buying and selling with the principles of the salam contract in Islamic economics. This research employs a qualitative approach, utilizing a literature study method and descriptive analysis of primary and secondary sources, including DSN-MUI fatwas, and actual practices on e-commerce platforms. The results show that although there are similarities between the salam contract and the pre-order system, actual practices often deviate from the shar'i requirements, especially regarding the specifications of the goods, the certainty of delivery time, and the risk of gharar. This research offers the novelty of formulating shariah-compliant indicators for pre-order transactions based on salam contract. The main contribution of this research lies in developing an online transaction model that is more in line with maqashid sharia, as well as providing a reference for e-commerce players, regulators, and academics in realizing halal and fair digital transactions.
Strengthening Sharia Economics in Jayapura's Muslim Minority Communities through Fiqh al-Aqalliyyat Jubaedah, Dedah; Solehudin, Ending; Berizi, Ahmad; Mutakin, Ali; Nurhasana, Nurhasana; Parhan, Parhan; Gómez, José Manuel Naranjo
Jurnal Ilmiah Al-Syir'ah Vol 23, No 1 (2025)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v%vi%i.3265

Abstract

The Muslim community in Jayapura faces significant challenges in implementing Sharia-based economics, chiefly due to persistent social stigma surrounding halal products and limited public understanding of Islamic economic principles. This study explores how Fiqh al-Aqalliyyat a flexible jurisprudential framework can address these challenges within a multicultural society. Adopting a qualitative case study methodology, the research draws on interviews with 14 key local stakeholders, including government officials, religious leaders, and business owners. Data were gathered through purposive sampling and analyzed thematically to identify key barriers and viable solutions. The findings indicate that social stigma and inadequate infrastructure impede halal product promotion. Nevertheless, significant opportunities exist, including a growing demand for halal goods, government support for Sharia-compliant capital markets, and the active engagement of religious institutions. The novelty of this research lies in its integration of Fiqh al-Aqalliyyat and Maqasid al-Sharia as analytical frameworks to address the specific socio-economic realities of a Muslim minority in Jayapura, offering practical insights applicable to similar contexts elsewhere.The Muslim community in Jayapura faces significant challenges in implementing Sharia-based economics, chiefly due to persistent social stigma surrounding halal products and limited public understanding of Islamic economic principles. This study explores how Fiqh al-Aqalliyyat a flexible jurisprudential framework can address these challenges within a multicultural society. Adopting a qualitative case study methodology, the research draws on interviews with 14 key local stakeholders, including government officials, religious leaders, and business owners. Data were gathered through purposive sampling and analyzed thematically to identify key barriers and viable solutions. The findings indicate that social stigma and inadequate infrastructure impede halal product promotion. Nevertheless, significant opportunities exist, including a growing demand for halal goods, government support for Sharia-compliant capital markets, and the active engagement of religious institutions. The novelty of this research lies in its integration of Fiqh al-Aqalliyyat and Maqasid al-Sharia as analytical frameworks to address the specific socio-economic realities of a Muslim minority in Jayapura, offering practical insights applicable to similar contexts elsewhere.
Pemindahan Kepemilikan dalam Konteks Kewirausahaan Islam: Perspektif Moral dan Etika Bisnis M Aditiya, Iip; Jubaedah, Dedah
Jurnal Global Ilmiah Vol. 1 No. 12 (2024): Jurnal Global Ilmiah
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/jgi.v1i12.117

Abstract

Penelitian ini bertujuan untuk menyelidiki pemindahan kepemilikan dalam konteks kewirausahaan Islam, dengan penekanan khusus pada perspektif moral dan etika bisnis. Melibatkan analisis literatur, studi kasus, dan wawancara dengan pelaku bisnis Islam dan ahli hukum Islam, penelitian ini menyelidiki nilai-nilai moral yang mendasari transaksi seperti jual beli, warisan, hibah, dan akuisisi perusahaan. Dengan mendalamnya analisis terhadap prinsip-prinsip etika bisnis Islam, penelitian ini bertujuan untuk memberikan pandangan holistik terhadap bagaimana pemindahan kepemilikan dapat dijalankan dengan integritas, keadilan, dan tanggung jawab sosial. Harapannya, hasil penelitian ini dapat memberikan kontribusi signifikan dalam membentuk pemahaman praktik bisnis Islam yang beretika serta memberikan pedoman praktis bagi para pelaku bisnis untuk menghadapi dilema moral dalam keputusan pemindahan kepemilikan.
The DYNAMICS OF SHIRKAH AND MUDHARABAH: SOCIOLOGICAL AND ANTHROPOLOGICAL ANALYSIS IN THE CONTEXT OF MODERN SOCIETY Heryana, Sandi; Arifin, Tajul; Jubaedah, Dedah
ANAYASA : Journal of Legal Studies Vol. 3 No. 1 (2025): ANAYASA
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/ays.v3i1.422

Abstract

This study aims to analyze the dynamics of syirkah and mudharabah from a sociological and anthropological perspective in the context of modern society. As two forms of business cooperation in Islamic economics, syirkah and mudharabah face challenges and changes due to social, economic, and cultural developments. This research employs a descriptive method by analyzing secondary data from relevant literature and documents to reveal how social structures and cultural norms influence the practice of syirkah and mudharabah. The findings suggest that changes in social relationships, cultural norms, and the global economic system significantly shape the adaptation of these concepts in the modern era. These insights are expected to contribute to the development of Sharia-based economic collaborations that are more responsive to modern social and cultural dynamics.
Perdagangan Sukuk SR020 di Pasar Modal Indonesia dalam Perspektif Sosiologi dan Antropologi Rajiman, Arman; Arifin, Tajul; Jubaedah, Dedah
EKALAYA : Jurnal Ekonomi Akuntansi Vol. 3 No. 2 (2025): Ekalaya : Jurnal Ekonomi Akuntansi
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/ekalaya.v3i2.2016

Abstract

Sukuk Sukuk has become an important Islamic financial instrument in Indonesia, in line with the government's commitment to strengthening the sharia economy and meeting massive development financing needs. It is crucial to examine how the public responds to sharia financial products like Sukuk, particularly from sociological and anthropological perspectives, to understand how social, cultural, and religious factors influence investment decisions. This study uses a literature review method, combining the findings of similar studies from various scientific sources. Descriptive analysis through this literature review is used to verify previous studies and identify new contributions. The sales of Retail Sukuk SR020 reached Rp21.359 trillion from 63,009 investors. This widespread interest demonstrates society's adaptation, including that of the millennial generation, to sharia investment principles. Sociological data shows cross-gender and cross-generational participation, with millennials dominating the number of investors, while Generation X dominates the order volume7. Anthropologically, this interest illustrates how religious and social norms influence financial decisions. The trading of Sukuk SR020 reflects the social and cultural dynamics of society, as well as a mindset shift from merely saving to investing. This instrument not only serves as an investment tool but also as a reflection of religious and cultural values.
Sosialisasi Sertifikasi Halal Pada Produk Olahan Makanan Pada Kelompok Usaha Bersama Desa Cipacing Kabupaten Sumedang Jubaedah, Dedah; Vinna Sri Yuniarti
Amaliah: Jurnal Pengabdian Kepada Masyarakat Vol 9 No 1 (2025): Amaliah Jurnal: Pengabdian kepada Masyarakat
Publisher : LPPI UMN AL WASHLIYAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/ajpkm.v9i1.5239

Abstract

Halal certification is the process of issuing a halal certificate, which is carried out through a series of inspection stages to ensure that the raw materials, production processes, and halal assurance system of a company's products meet the applicable standards. The absence of halal certification limits marketing opportunities, increases the risk of contamination with non-halal ingredients, and decreases consumer trust. Based on these conditions, this community service activity is carried out with the aim of increasing the understanding and awareness of micro-business actors regarding the importance of halal certification. The methods used include socializing the concept, urgency, and process of halal certification; providing technical assistance in meeting administrative requirements; and assisting with the halal certification process. The results of the activity show an increase in business actors' understanding of halal certification. A total of 12 micro-business owners who were previously uncertified agreed to participate in this program, and 10 of them successfully completed the creation of their Business Identification Number (NIB) and filled out the PTSP Sihalal form. The halal process assistance shows that the participants' business activities have met the requirements of the Halal Product Assurance. The recommendations and conclusions of the assistance results were submitted to the Halal Inspection Agency (LPH) and the Halal Product Assurance Implementing Agency (BPJPH), which were then processed by the MUI Fatwa Council for the issuance of halal certificates.
B Baqir al-Shadr's Economic Thought and the Concept of State Economy in Article 33 of the 1945 Constitution Nurjamil; Janwari , Yadi; Jubaedah, Dedah
Journal International Economic Sharia Vol. 1 No. 1 (2024): June
Publisher : Inovasi Analisis Data

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11524112

Abstract

This study aims to analyze the role of the state in the economy through the lens of Baqir al-Shadr's economic theory. Article 33 of the 1945 Constitution connects this theory to the state's exercise of control. This literature research method gathers and examines secondary data from books, scientific journals, research findings, and pertinent articles using a qualitative method, followed by a normative analysis. According to Baqir al-Shadr, the research findings indicate that Islamic economics is not considered a scientific discipline but rather the practical application of Islamic sharia principles rooted in religious beliefs and devotion. This includes the promotion of social justice and the acknowledgement of various forms of property ownership. Second, exploitative and uncontrollable human behavior, rather than a lack of natural resources, is the true cause of economic issues. Furthermore, the government's involvement is necessary for the oversight and resolution of economic issues, particularly in ensuring the well-being of the population and achieving social equilibrium. Article 33 of the 1945 Constitution explicitly grants the state the authority to manage natural resources for the benefit of the people. This abstract presents a concise summary of the correlation between Baqir al-Shadr's economic ideology and the notion of state control, specifically in regard to Article 33 of the 1945 Constitution. It also examines the effects of this correlation on economic regulation and society's welfare.
Teori Pemikiran Ekonomi Mikro Islam Perspektif Abu Ubaid dan Imam Al-Syaibani Mutaqin, Kikin; Sulaeman, Sulaeman; Janwari, Yadi; Jubaedah, Dedah
JURNAL ECONOMINA Vol. 3 No. 6 (2024): JURNAL ECONOMINA, Juni 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v3i6.1350

Abstract

Microeconomics is an economic science study that reviews individual behavior in conducting economic transactions. In the Islamic concept, microeconomics is characterized by the existence of norms that are applied within the limits of the Qur'an and Sunnah. The scholars of the classical period discussed many of these microeconomic issues, including Imam Abu Ubaid in his book al-Amwal and Imam al-Syaibani in his book al-kasb. This article explores the perspectives of these two influential men when examining microeconomic research through the use of descriptive qualitative methods and a review of relevant book and journal references. A Muslim scholar who specializes in Islamic economics is Imam Abu Ubaid whose ideas are contained in Kitab al-Amwal, one of the most influential scholarly references, containing many principles and concepts of public financial management. In addition to him, Iman As-Syaibani with his book Al-Kasb provides a view that work is human productivity that can make a person feel part of the world and has the value of worship for the pleasure of Allah SWT.
Co-Authors Abdurrahman Wahid, Abdurrahman Achmad Ridwan, Achmad Adil, Ustad Ageng Septa Rini Ageng Septa Rini Ahmad Fathan Aniq Ahmad Fauzi, Abdul Aziiz Ahmad Lukman Nugraha Ahmad Luqman Hakim Ahmad Rifai ahmad yani Annisa Eka Rahayu Annisa Tania Dewi anton athoillah Antoni Julian Apriani, Triana Armelia Prakasa Asman Taeali Asri Sundari Athoillah, Mohamad Anton Ayi Nurbaeti Berizi, Ahmad Burhanudin, Bunbun Muhamad Dermawan, Muhammad Jagat Dewi, Annisa Tania Ending Solehudin Evi Sopiah, Evi Fadhlya Hidayatunnisa, Nurul Fatahillah, Ikhwan Aulia Febriyani, Putri Agus Feby Pebryanti Suhendi Friasta, Intan Ghozali, Mohamad Gojali, Dudang Gómez, José Manuel Naranjo Gunariah, Frilla Hadi, Sholikul Hafizd, Jefik Zulfikar Hasan Bisri Hasan Bisri Hasanudin Hasanudin Heni Pujiastuti Heryana, Sandi Hidayah, Paisah Nurul Hisam Ahyani ian rakhmawan suherli Ilmia, Anisa Intan Friasta Irni Sri Cahyanti Ishandawi Iwan Setiawan Janwari , Yadi Janwari, Yadi Jauhari, Moh. Ahsanuddin Jefik Zulfikar Hafizd Kamaludin, Asep Kikin H Mutaqin Kusuma, Nurul Rahmah Kuswandi, Yudi Lestari, Putri Sri M Aditiya, Iip Maricar, Hudzaifah Muhammad Maulana, Fauzan Aziz Maulin, Mery Mohamad Anton Athoillah Mohd Roslan Mohd Nor Muhammad, Bohari Agus Muharni, Yusraini Mukhlas, Oyo Sunaryo Mursyidah Zein, Ai Imas Mustofa Mustofa Mutakin, Ali Naeli Mutmainah Nanang Sobarna Nasrudin Noradin, Muhammad Farhan Bin Mat Nur Hida, Ziyana Nurhasana, Nurhasana Nurjamil Nursari, Nina Pandu Pribadi Pangestu, Gaidha Khusnul Parhan, Parhan Pramayanti, Dian Ikha Putra, Haris Maiza Rahmah Kusumah, Nurul Rahmah, Yulia Fithriany Rahmah, Yulia Fitriany Rahmawati, Indriyani Dwi Rajiman, Arman Rosidah, Rose Rudi Ahmad Suryadi, Rudi Ahmad Rukmanda, Meirani Rahayu Said, Nuralika Yepsi Sarmilantiva Salimudin, Mumud Santika, Ganjar Sar'an, Mohamad Shinta Mona Lisca Siskanti, Siskanti Slamet Santoso Sofian Al Hakim, Sofian Sri Lestari, Putri Suhendi, Feby Pebryanti Suherli, Ian Rakhmawan Sulaeman Sulaeman Sulaeman Sumiati Sumiati Supriatna Supriatna Sutiana, Yana Tajul Arifin Tajul Arifin Wawan Oktriawan Widiastuti, Dwi Suci Yadi Janwari Yeli Yuliani Yuliani, Yeli Yuniarti, Vinna Sri Yusup, Deni Kamaludin