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All Journal Jurnal Ilmiah Mandala Education (JIME) Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Dinamika Ekonomi Syariah Jurnal Ekuilnomi An-Nisbah : Jurnal Perbankan Syariah J-ESA (Jurnal Ekonomi Syariah) Taroa : Jurnal Pengabdian Masyarakat JURNAL ECONOMINA SEWAGATI: Jurnal Pengabdian Kepada Masyarakat El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Media Hukum Indonesia (MHI) Journal of Excellence Humanities and Religiosity Journal of Ekonomics, Finance, and Management Studies Mu'amalatuna: Jurnal Ekonomi Syariah Currency Jurnal Teras Pengabdian Masyarakat International Journal of Social Sciences and Humanities
Sagaf, Umar
Universitas Muhammadiyah Bima
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Analysis Of The Role Of Sharia Financing In The Development Of Micro, Small, And Medium Enterprises (MSMEs) (Case Study In The Field Of Sera Suba, Bima City) M. Nazir; Umar Sagaf; Ibrahim Ibrahim
JURNAL ECONOMINA Vol. 5 No. 6 (2026): JURNAL ECONOMINA, Juni 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i6.2974

Abstract

This study aims to analyze the role of Islamic financing in the development of Micro, Small, and Medium Enterprises (MSMEs) and to identify the types of Islamic financing utilized by MSME actors in Serasuba Square, Bima City. The study employed a qualitative approach with a descriptive research design. Data were collected through observations, in -depth interviews, and documentation involving MSME actors and representatives of Islamic financial institutions providing financing services. Data analysis was conducted using the interactive model of Miles, Huberman, and Saldaña, which includes data reduction, data display, and conclusion drawing, while data validity was ensured through source and technique triangulation. The findings reveal that Islamic financing plays a significant role in supporting MSME development by providing access to capital based on Sharia principles. Islamic financing enables business actors to increase business capacity, expand product inventories, broaden mark et reach, and improve business turnover and income. Furthermore, Islamic financing serves as an alternative funding source that reduces MSMEs’ dependence on high-interest informal loans. The most widely utilized financing scheme is the Murabahah contract, while Mudharabah and Musyarakah contracts are used to a lesser extent. The study concludes that Islamic financing contributes positively to strengthening the economic capacity of MSME actors and supports business sustainability in Serasuba Square, Bima City. The findings also enrich the empirical literature on the role of Islamic financing in local MSME development and provide practical implications for Islamic financial institutions in enhancing financing accessibility for small business actors.
Sosialisasi Penyalahgunaan Narkoba Dan Pemberian Nilai Edukasi Akan Bahaya Narkoba Di SMK Negeri 01 Woja abdul harits17; Agussalam; Umar Sagaf; Aminullah; Muhammad Amin
Jurnal Teras Pengabdian Masyarakat Vol. 1 No. 2: Juli (2025)
Publisher : PT. Teras Digital Nusantara

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Abstract

Drug abuse is a serious threat that can damage the future of the younger generation, especially students who are in a period of development and self-discovery. This seminar was held as a form of education and prevention against drug abuse in the school environment, especially at SMK Negeri 01 Woja. The purpose of this community service activity is to provide educational value and direction to students at SMK NEGERI 01 Woja about the dangers of drug abuse for their health and future. through the Drug Seminar activity. The method used is an educational-participatory approach, namely providing education that involves the active participation of students, teachers, and related parties by holding a Drug Seminar activity in providing educational value to students. The participants in this service are all students who attend the Drug Seminar activity. This service was carried out at SMK NEGERI 01 Woja, Mumbu Village, Dompu Regency, West Nusa Tenggara on August 15, 2023 at 09.00 WITA until finished. The speakers presented several speakers consisting of BNN, Health Service, Police and also village officials. The results of this Drug seminar activity showed that through a participatory, socialization and collaborative approach through this Drug seminar, students were enthusiastic in responding to the activity, many students asked questions related to the dangers of drug abuse and its impacts. Not only students but also teachers took part in responding to the discussions presented by several speakers.
TINJAUAN ETIKA BISNIS ISLAM DALAM PENGUAAN TIMBANGAN DALAAM JUAL BELI JAGU (STUDI KASUS PALELE JAGUNG KECAMATAN WAWO) Syahrul Ramadhan; Ihwan P Syamsudin; Umar Sagaf
Currency (Jurnal Ekonomi dan Perbankan Syariah) Vol. 4 No. 2 (2026): Currency
Publisher : LP2M AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/currency.v4i2.2037

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan prinsip-prinsip etika bisnis Islam dalam praktik penggunaan timbangan pada transaksi jual beli jagung di Kecamatan Wawo serta mengidentifikasi faktor-faktor yang memengaruhi konsistensi penerapan prinsip tersebut dalam hubungan perdagangan antara petani dan palele. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara mendalam, observasi proses penimbangan, dan dokumentasi. Informan penelitian berjumlah 14 orang yang dipilih menggunakan teknik purposive dan snowball sampling, terdiri atas delapan petani, empat palele, dan dua tokoh masyarakat. Data dianalisis menggunakan model interaktif Miles, Huberman, dan Saldaña dengan validitas data melalui triangulasi sumber dan teknik. Hasil penelitian menunjukkan bahwa prinsip utama etika bisnis Islam, yaitu shiddiq (kejujuran), al-‘adl (keadilan), amanah, mas’uliyyah (tanggung jawab), dan tabligh (transparansi), belum sepenuhnya diterapkan dalam praktik perdagangan jagung. Ditemukan adanya keluhan petani terkait perbedaan hasil timbang sebesar 2–5 kg per karung yang berdampak pada tingkat kepercayaan dalam hubungan dagang. Namun, praktik penimbangan terbuka yang dilakukan oleh sebagian palele terbukti mampu memperkuat hubungan ekonomi jangka panjang. Penelitian ini menegaskan bahwa penerapan etika bisnis Islam tidak hanya bergantung pada komitmen moral individu, tetapi juga memerlukan dukungan tata kelola melalui tera ulang alat ukur, peningkatan literasi petani, dan sistem penimbangan yang transparan.
Strategi Pengembangan Usaha Tenun Sarung Nggoli untuk Meningkatkan Kesejahteraan Pengrajin Perspektif Ekonomi Islam (Studi Kasus Desa Roka Kec. Belo Kabupaten Bima) Na'imah Na'imah; Umar Sagaf; Muhammad Zia Ulhaq
International Journal of Social Sciences and Humanities Vol. 4 No. 2 (2026): International Journal of Social Sciences and Humanities
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/ijssh.v4i2.2940

Abstract

Penelitian ini bertujuan mengkaji tingkat kesejahteraan pengrajin Tenun Sarung Nggoli di Desa Roka, Kabupaten Bima, serta menganalisis strategi pengembangan usahanya dalam perspektif ekonomi Islam. Penelitian ini menggunakan metode kualitatif deskriptif dengan data primer yang diperoleh melalui wawancara mendalam dan observasi terhadap 12 orang pengrajin, sedangkan data sekunder diperoleh dari buku, jurnal, dan laporan penelitian yang relevan. Hasil penelitian menunjukkan bahwa kesejahteraan pengrajin masih tergolong rendah, dengan pendapatan rata-rata berkisar antara Rp333.000 hingga Rp687.000 per bulan. Hambatan utama yang dihadapi meliputi keterbatasan modal, lamanya proses produksi, pemasaran yang masih konvensional, minimnya inovasi produk, serta lemahnya regenerasi pengrajin. Strategi pengembangan usaha dalam perspektif ekonomi Islam mencakup penerapan prinsip keadilan melalui pembentukan koperasi untuk memperkuat posisi tawar dan akses permodalan, prinsip keseimbangan melalui inovasi produk tanpa menghilangkan nilai budaya dan religius, prinsip kejujuran melalui transparansi dalam produksi dan pemasaran, serta prinsip keberkahan melalui penguatan nilai spiritual dan kepedulian sosial. Penelitian ini merekomendasikan penguatan kelembagaan pengrajin, pemanfaatan pemasaran digital berbasis syariah, serta pendampingan berkelanjutan dari pemerintah dan lembaga keuangan syariah guna meningkatkan kesejahteraan pengrajin secara berkelanjutan.
Analisis Kontribusi Pengembangan UMKM di Pantai Lariti Terhadap Peningkatan Ekonomi Masyarakat Desa Soro Kecamatan Lambu Kabupaten Bima Haerudin Haerudin; Umar Sagaf; Muh Yunan Putra
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 7 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i7.12177

Abstract

This study examines the contribution of Micro, Small, and Medium Enterprise (MSME) development in the Pantai Lariti tourist area, Soro Village, Bima Regency, to improving the local community’s economy. This research employed a descriptive qualitative approach, with data collected through observation, in-depth interviews, and documentation. The results show that MSME development in the Pantai Lariti tourist area has a positive impact on the community’s economy. This contribution is reflected in the increased income of business actors, the creation of new employment opportunities, and the growth of local economic activities around the tourist area. Nevertheless, MSME actors still face several obstacles, such as limited capital, lack of training and business mentoring, suboptimal access to marketing, and limited supporting infrastructure. Therefore, MSME development strategies should be directed toward strengthening the capacity of business actors, expanding access to capital, improving product innovation, implementing entrepreneurship training, and utilizing digital marketing. This study emphasizes that collaboration among the government, the community, and MSME actors is an important factor in supporting business sustainability and optimizing the role of MSMEs in the local economy of coastal tourism areas.
Analisis Praktik Utang Piutang Uang Dikalangan Masyarakat Desa Lambu Dalam Perspektif Prinsip Syariah Sri Apriani; Umar Sagaf; Muh. Yunan Putra
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 7 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i7.12310

Abstract

This study examines money lending and borrowing practices in Lambu Village, Bima Regency, by assessing their compliance with sharia principles. This research employs a qualitative approach using a descriptive-analytical method. Data were collected through observation, in-depth interviews, and documentation. The findings indicate that lending and borrowing transactions within the community are generally conducted informally, based on kinship and trust, without any written contract. Informal loans are preferred by the community because they are considered easier, faster, and less complicated. However, in practice, additional payments beyond the principal amount of the debt were found to have developed as a social custom. These additional payments potentially contain elements of riba. In addition, the absence of a clear contract may also lead to gharar, or uncertainty, in transactions. The community’s understanding of sharia principles, particularly regarding qardh contracts and the prohibition of riba, remains relatively low. Nevertheless, these practices still reflect the positive value of mutual assistance, or ta’awun, among community members. This study concludes that lending and borrowing practices in Lambu Village are not yet fully aligned with sharia principles due to the presence of additional payments and unclear contracts. Therefore, continuous education from religious leaders, the village government, and Islamic financial institutions is needed so that the community can conduct lending and borrowing transactions in a fair, transparent manner and free from elements of riba.
Preferensi Pelaku Usaha Mikro Kecil Menengah Terhadap Alternatif Pembiayaan Syariah di Perbankan Syariah Nirwana Setiawati; Umar Sagaf; Syarif Hidayatullah
An-Nisbah: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v7i2.4802

Abstract

Kajian ini bertujuan untuk mengidentifikasi berbagai faktor yang membentuk kecenderungan serta hambatan yang dialami oleh pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam memperoleh pembiayaan berbasis syariah di Pasar Amahami Kota Bima. Dengan menggunakan pendekatan kualitatif melalui teknik wawancara, observasi, dan dokumentasi terhadap 35 informan UMKM, hasil penelitian mengungkapkan bahwa preferensi terhadap pembiayaan syariah ditentukan oleh lima faktor utama: religiusitas, keterbukaan margin dan sistem bagi hasil, kemudahan proses, persepsi risiko yang lebih kecil, serta adanya fasilitasi pendampingan usaha. Dari kelima faktor tersebut, religiusitas menjadi pendorong paling kuat karena masyarakat setempat memegang teguh nilai-nilai keagamaan. Meskipun demikian, akses terhadap pembiayaan syariah masih belum maksimal akibat sejumlah kendala seperti rendahnya pemahaman tentang keuangan syariah, keterbatasan jaminan, anggapan bahwa margin terlalu tinggi, prosedur administratif yang dinilai rumit, serta kurangnya informasi dan sosialisasi. Temuan ini menunjukkan adanya jurang antara keinginan dan realitas akses terhadap pembiayaan syariah. Karena itu, diperlukan peningkatan literasi, penyederhanaan prosedur, serta strategi sosialisasi yang lebih efektif guna mendorong inklusi keuangan syariah di sektor UMKM.
Pemberdayaan Masyarakat melalui Penghijauan Berkelanjutan Berbasis Pohon Buah Lokal di Desa Waduwani Nur Husnul Khatimah; Darmin; Mastorat; Umar Sagaf; Juhriati; Sarman; Syafruddin; Ilham; Wahyudinsyah; Jufrin
Journal of Excellence Humanities and Religiosity Vol. 3 No. 2: Juli (2026)
Publisher : Journal of Excellence Humanities and Religiosity

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34304/joehr.v3i2.597

Abstract

Rendahnya kesadaran masyarakat terhadap pentingnya pelestarian lingkungan serta terbatasnya upaya penghijauan di tingkat desa menjadi salah satu tantangan dalam mewujudkan lingkungan yang sehat, asri, dan berkelanjutan. Kondisi tersebut mendorong pelaksanaan program pengabdian kepada masyarakat berupa penghijauan berkelanjutan berbasis pohon buah lokal di Desa Waduwani, Kecamatan Woha, Kabupaten Bima. Kegiatan ini bertujuan meningkatkan kepedulian masyarakat terhadap pelestarian lingkungan sekaligus mendukung pemanfaatan ruang terbuka hijau yang produktif. Metode yang digunakan meliputi observasi lapangan, sosialisasi pentingnya penghijauan, koordinasi dengan pemerintah desa dan masyarakat, distribusi bibit, serta penanaman pohon secara partisipatif. Kegiatan melibatkan 120 peserta yang terdiri atas mahasiswa Kuliah Kerja Nyata (KKN), pemerintah desa, Karang Taruna, dan masyarakat setempat. Sebanyak 300 bibit pohon buah lokal, meliputi mangga, jambu, sawo, dan sirsak, ditanam di sepanjang wilayah Desa Waduwani. Hasil kegiatan menunjukkan antusiasme dan keterlibatan aktif masyarakat dalam setiap tahapan program penghijauan. Hasil monitoring pascakegiatan menunjukkan tingkat keberhasilan tumbuh tanaman sebesar 85%, yang mengindikasikan bahwa sebagian besar bibit mampu beradaptasi dan tumbuh dengan baik pada lokasi penanaman. Program ini memberikan manfaat ekologis berupa peningkatan tutupan vegetasi, perbaikan kualitas lingkungan, serta potensi manfaat ekonomi melalui pemanfaatan hasil tanaman buah pada masa mendatang. Dengan demikian, penghijauan berkelanjutan berbasis pohon buah lokal dapat menjadi strategi efektif dalam mendukung pelestarian lingkungan dan pembangunan desa yang berkelanjutan
Co-Authors Abdul Haris Abdul Haris Abdul Haris, Abdul Haris abdul harits17 Adnan Adnan Agussalam Ahmad A Ahmad Ahmad Ahmadin Ahmadin Al Maulud Aminullah Annisah, Annisah Aris Iwansyah Ariyansyah Arrijal, Arrijal Chandra Wisnu Nugroho Darmin Darmin Darmin, Darmin Dea Zara Avila Dina Husniah Dinah Husniah Dinah Husniah Dinah Husniah Dinah Husniah (Universitas Muhammadiyah Bima) erham, erham Fathurrahman Ferdiansyah Ferdiansyah Ferdiansyah Ferdiansyah Fikriansyah, Rizki Firdaus, Taman Galang Wangsa, Ananda Gita Sulastri (Universitas Muhammadiyah Bima) Gufran, Gufran Gunawan Gunawan Hadijah Haerudin Haerudin Hairunnisah Husniah, Dina Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ichwan P. Syamsuddin Ihwan P Syamsudin Ihwan P. Syamsudin Ihwan P. Syamsudin Ilham Imaduddin, M Asad Imaduddin, Muhammad Asad Ismail Ismail Ismail Ismail J, Jufrin Jainuddin H. Tajudin JAWARIAH ria Juhriati Juhriati Juhriati, Juhriati Juraidin Kaharuddin Kaharuddin Khairuddin, Kaharuddin Leonard Maramis M Rizkan M. Dandi Delas Putra M. Nazir M. Noris Ma'arij, Aman Mastorat Mastorat Mastorat Muh Yunan Putra Muh. Yunan Putra Muh. Yunan Putra Muhamad Amin Muhamad Amin Muhammad Fajar Syafriadin Muhammad Rasyad Al Fajar Muhammad Yunan Putra Muhammad Zia Ulhaq Muhammad Zia Ulhaq Mujnah Mulmansyah N, Nasrullah Na'imah Na'imah Nasaruddin Nasaruddin Nasaruddin Nasaruddin Nasrullah Nasrullah Nirwana Setiawati Nur Husnul Khatimah Nur Wahyu Nurul Inayah Putri Miftahul Jannah Rafiuddin Rafiuddin Rafiuddin, Rafiuddin Rahmatan Setiadin Ramadhan, Sahrul Rangga Dzikrul Rabbani ria, JAWARIAH Rizky Amelia Rizky Amelia Rizqi Illahi Rosdiana RR. Ella Evrita Hestiandari Sahrul Salsabiila Sarman Siti Asmah Sri Apriani Sri Wahyunti Suci Surianah Sukirman Sukirman Syafriadin, Muhammad Fajar Syafruddin Syafruddin Syafruddin Syafruddin Syafruddin Syahrul Ramadhan Syarif Hidayatullah Syarif Hidayatullah Taman Firdaus Ulhaq, Muhammad Zia Wahyudinsyah Wahyunti, Sri Waliyudin Waliyudin