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Perkembangan Ekonomi Syariah di Ranting Muhammadiyah Gading Indri Wulandari; Prastiwi, Iin Emy; Agus Marimin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19117

Abstract

This study aims to describe and analyze the development of Islamic economics at the grassroots level through the case of Ranting Muhammadiyah Gading, a local branch of the Muhammadiyah organization located in a rural communit. Ranting Muhammadiyah Gading exemplifies this shift by initiating and managing various sharia-based economic activities, including the establishment of Islamic cooperatives, the operation of local Baitul Maal wat Tamwil (BMT), development of community-based micro-enterprises, and the facilitation of Islamic entrepreneurship training. This research uses a qualitative descriptive approach with a case study method. Data were collected through in-depth interviews with local leaders and economic actors, field observations, and documentation of economic programs initiated by the ranting. The findings reveal that the development of Islamic economics in Ranting Muhammadiyah Gading is driven by a combination of strong visionary leadership, active community participation, institutional support from Muhammadiyah's charitable arms (such as local mosques and schools), and collaboration with external Islamic financial institutions. These factors contribute significantly to the growth of local sharia-compliant economic institutions that prioritize justice, mutual benefit, and ethical business conduct. The economic programs have not only improved the economic resilience of the local community but have also strengthened social cohesion and religious awareness among its members. However, the development process is not without challenges, including limited capital, inadequate managerial skills, and uneven levels of Islamic financial literacy among members. In conclusion, the case of Ranting Muhammadiyah Gading demonstrates that grassroots Islamic economic initiatives can serve as effective instruments for community-based economic empowerment.  The experience of this local Muhammadiyah branch offers valuable insights into how faith-based organizations can play a transformative role in developing a sustainable and ethical economic system. This study recommends the enhancement of institutional capacity, continuous education in Islamic economic principles, and expanded cooperation with regional and national sharia financial institutions to further strengthen the impact of Islamic economic practices at the local level.
Kinerja rantai pasok PT. X dalam upaya peningkatan keberlanjutan dan responsivitas agroindustri kelapa sawit Evanila Silvia; Faqih Udin; Tajuddin Bantacut; Marimin Marimin
AGROINTEK Vol 18, No 2 (2024)
Publisher : Agroindustrial Technology, University of Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/agrointek.v18i2.19341

Abstract

The supply chain of the palm oil agro-industry is quite complicated and lengthy and involves many actors. This causes supply chain performance to be less than optimal. In addition, it also raises doubts applying the principle of sustainability in its business activities. Therefore, it is necessary to evaluate the performance of the supply chain of the palm oil agro-industry to know the actual conditions at the moment and to identify existing problems and opportunities for improvement. Thus, the right strategy can be formulated to increase the sustainability and responsiveness of the palm oil agro-industry. This study aims to identify the condition of the palm oil agro-industry supply chain mechanism and analyze the performance of the palm oil agro-industry supply chain so that improvement strategies can be formulated. Analysis of the supply chain performance of the palm oil agro-industry was determined using the Supply Chain Operation Reference (SCOR) method by weighting the results of the Analytical Hierarchy Process questionnaire (AHP) to obtain the supply chain. The results showed that the supply chain structure of the palm oil agro-industry consisted of farmers, transportation, palm oil mills, private partners, distributors, and consumers. Analysis of the performance of supply chain actors in the palm oil agro-industry is primarily in the medium and above average categories. Improving supply chain performance needs to be emphasized at each stage of the planning process with reliability performance attributes and performance indicators in the form of accuracy in predicting the number of requests. Alternative strategies that are prioritized to improve supply chain performance are increasing the competence of human resources and supply chain partnerships.
QRIS Optimization for Micro Banking Customers to Increase Low Cost Fund at BSI Cimahi (Case Study of PT Bank Syariah Indonesia Cimahi Branch) Agung Pramono; Marimin Marimin; Mimin Aminah
Journal of Business, Social and Technology Vol. 7 No. 2 (2026): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v7i2.623

Abstract

Background: QRIS, Indonesia’s unified national digital payment standard, was introduced to promote financial inclusion and transaction efficiency. However, adoption among micro banking customers remains suboptimal due to limited digital literacy, uneven merchant coverage, and competition from fintech-based e-wallet platforms. Objective: This study aims to develop an optimization strategy to enhance QRIS adoption among micro banking customers of PT Bank Syariah Indonesia (BSI) Cimahi Branch, with a focus on increasing the Low Cost Fund (LCF) portfolio. Methods: This study employed a mixed-methods descriptive-analytical approach. Primary data were collected from 179 micro banking customers through observations, in-depth interviews, and questionnaires, supplemented by expert judgment from bank management and regulators. Secondary data included internal financing reports and official publications. Strategic analysis was conducted using the IFE, EFE, SWOT, IE Matrix, QSPM, and AHP methods. Results: The findings indicate that the IFE score of 2.60 and the EFE score of 2.38 placed BSI Cimahi Branch in a “Hold and Maintain” strategic position. Among the alternative strategies identified, the WO strategy—focused on improving digital literacy and optimizing QRIS usage through structured training and merchant assistance programs—obtained the highest Total Attractiveness Score (TAS = 6.24) and was confirmed as the priority strategy by AHP, with a global weight of 0.3498. Conclusion: The prioritized WO strategy supports the sustainable growth of LCF transaction volume, average account balances, and the Micro Banking segment at BSI Cimahi Branch by addressing the core barrier of inadequate digital literacy among micro merchants.
Co-Authors . Abidin A Sukmawati A. Aman Damai A. Haris Rangkuti A.A. Ketut Agung Cahyawan W Abieta Fellyanti Bhuwana Putri Adang Samsudin S. Ade Putri Priliyan Adhi Wibisono Agung Pramono Alex Denni Alfian Nur Ubay Alim Setiawan S Alin Budiani Risky, Alin Budiani Amad Saeroji Amin Sulistyanto Aminah, Mimin Amril Aman Andes Ismaya Andrayani, Dian Andreas Murti Ani . Ani . Annisa Marshanda Rahmawati Aria Damar Arief Daryanto Arief Witjaksono Arif Imam Suroso ASEP SAEFUDDIN Aslam Mei Nur Widigdo Asma Assa Asrol, Muhammad Asti Krisnawati Aziz Ikhsan Bachtiar Baehaqi Bambang Haryanto Bambang Kanti Laras Batubara, Siti Chairiyah Bayu Ardy Kresna Betaubun, Kamilius D Budi Dharmawan Budi Indra Setiawan Bunasor Sanim Bura, Romie O. Candra Tri Cahyono Citra Ayu Vemilia Cory Trisilawaty Dadan Kusdiana Danang Rusdianto Darsasa Herdiana Anggriyanto Dedi Ary Prasetyo Dedy Sugiarto Deria Adi Wijaya Dewi Muliasari Dian Ratna Sari Diem, Daisy Ade Riany Dikky Indrawan Ditdit N Utama Djati Kerami Dony Rahmad Pranoto Dyah Kusuma Wardani Dyah R Panuju Dyah Retno Panuju E. Gumbira-Sa’id Eko Agus Prasetio Elisa Anggraeni Elisa Anggraeni Elisa Anggraeni, Elisa Emmy Darmawati Endang Karlina Erliza Hambali Erliza Noor Erna Rusliana Ernan Rustiadi Erni Krisnaningsih Erwin Hermawan Etty Riani Evanila Silvia Fany Annisa Agusti Faqih Udin Faqih Udin FARAH FAHMA Farid Adi Prasetya Fauziana, Diyah Ratna Fina Pradika Putri Fitri Insani Gendut Suprayitno H Hardjomidjojo Hadi Samanto Hamzah Hamzah Hamzah Hamzah Handaya Handaya Hanik Fatona Ernawati Hanny Nurlatifah Hari Eko Irianto Haris, Abdul Harison Hartrisari Hardjomidjojo Hendra Adiyatna Hendro Sasongko Heny Kuswanti Suwarsinah Heny Suwarsinah Herry Purnomo Herry Susanto Heti Mulyati Heti Muspitawati Hetining Setyowati I Gusti Ayu Indira Maharani I Wayan Nurjaya I.F. Poernomosidhi Poerwo Idqan Fahmi Iin Emy Prastiwi, Iin Emy Illah Sailah Imam Santoso Imam Teguh Saptono Imam Teguh Saptono Indah Yuliasih Indri Wulandari Iphov Kumala Sriwana Irawadi Jamaran Irfan Syauqi Beik Janti G Sujana Joko Sadoso Priyo K Mudikdjo Kamilius Deleles Betaubun Kasutjaningati Kasutjianingati Kasutjianingati Khotijah Kudang B. Seminar Kudang Boro Seminar Kusnandar . L. Haditjaroko Liesbetini Haditjaroko LILIK BUDIPRASETYO Luky Adrianto M Arif Darmawan M Bismark M S Maarif M Syamsul Ma’arif M. Syamsul Maarif M. Zein Nasution Machfud Machfud Machfud Machfud Machfud Machfud Machfud Machfud Machfud Machfud Machfud Machfud Machfud Machfud, . Mahendra Wijaya Mangara Tambunan Maulida Hayuningtyas Mei Edi Prayitno Mei Edi Prayitno Mennofatria Boer mira juwita mira juwita, mira Moh. Yani Muhamad Malik Gunawan Muhammad Alkaff Muhammad Arif Darmawan Muhammad Asrol Muhammad Cholis Muhammad Hasjim Bintoro Djoefrie Hasjim Bintoro Djoefrie Muhammad Iqbal Muzakki Muhammad Nanda Rahadiansyah Muhammad Panji Islam Fajar Putra Muhammad Romli dan Suprihatin Andes Ismayana Muji Yuswanto Mursiti Mursiti Muslich . Muslich . N S Indrasti Nabila Fatin Zulna Nailul Hana, Nailul Nova Oktavia Noveria Sjafrina Nurul Maghfiroh Nusantara, Reinaldy Jalu P. Eko Prasetyo Padmoko, Sri Petir Papilo Pujihartati, Sri Hilmi Putra, Fiqhri Mulianda Putranto, Kartiko Eko Raden Mohamad Herdian Bhakti Rahardjo, Sri Rico Rizal Budidarmo Rika Ampuh Hadiguna Rina Oktaviani Rizal Bahara Rochman Marota Rohayati Rohayati Suprihatini Rohmah, Kholifatul Kurnia Rohmatulloh . Rohmatulloh Rohmatulloh Rohmatulloh Rohmatulloh Ruchyat Deni Djakapermana Rukmayadi, Dede Rusdah Rusdah S.D. Tarigan Safriyana Safriyana Salis Deris Artikanur Sambas Sundana Santun R.P. Sitorus Santun R.P. Sitorus Santun R.P. Sitorus Santun R.P. Sitorus Sapta Raharja Sari, Dian Ratna SATRIYAS ILYAS Seppa Septarianes Sitanggang, Imas S. Slamet Hariadi Slamet, Alim Setiawan Soesilo Wibowo Soesilo Wibowo Sony Hartono Wijaya Sri Hilmi Pujihartati Sri Laksmi Pardanawati Sri Martini Sri Rahardjo Sri Wahjuni Sudarsana Sudarsana Sudarsana Sugeng Budiharsono Sugiarto Suharjito Suharjito Suharjito Suharjito Suharto Suharto Honggokusumo Sukardi . Sukardi Sukardi Sukardi Sukardi Sukardi Sukardi Sumadi Sumino Suprihatin Suprihatin Suprihatin Suprihatin Suranto Suria Darma Tarigan Surjono H. Sutjahjo Surjono H. Sutjahjo Syamsu Hadi Syamsul Ma’arif Syarif Hidayat Syarif Hidayat Syarif Hidayat Tajuddin Bantacut Taryono Taryono Prayitno Taryono, Taryono Taufik Djatna Taufik Djatna Teniwut, Wellem Anselmus Tho'in, Muhammad Tira Nur Fitria, Tira Nur Titi Candra Sunarti Tomi Agfianto Tomy Perdana Toto Haryanto Uhendi Haris Vemilia, Citra Ayu Veybi Djoharam Veybi Djoharam W. Septiani Wahyu Trisnasari Wicaksono Sarwo Edi Widadi W. Widayat Widiatmaka Winnie Septiani Witjaksono, Arief - Yandra Akreman Yandra Arkeman Yani Hendriyani Yekti Prasetyasni, Yekti Yosini Deliana Yudi Setiawan Yusianto Rindra Yusmiati Yusmiati Yustin Henina Oktaviani Zaqi Kurniawan Zulfa Khoirul Ummah Zulkarnain