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MENIMBANG ULANG KONSEP PERAN LEMBAGA KEUANGAN MIKRO SYARIAH DALAM MENDORONG INKLUSI KEUANGAN DIGITAL usman, usman; Suhartina
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 7 (2025): Edisi Khusus Perbankan (Juli)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i7.14179

Abstract

Digital transformation in the financial sector has become an urgent necessity to achieve financial inclusion, particularly for underserved communities. Islamic Microfinance Institutions (LKMS), such as Baitul Maal wat Tamwil (BMT) and Islamic cooperatives, play a strategic role in empowering grassroots economies, especially in rural areas. However, the digitalization of LKMS faces various challenges, including limited digital infrastructure, low digital literacy among managers and clients, and regulatory constraints. This study aims to analyze the role of LKMS in promoting digital financial inclusion, identify the barriers they face, formulate practical strategies, and explore potential collaborations with Islamic fintech. By applying a contextual analysis approach and integrating Islamic financial principles, this research is expected to contribute both theoretically and practically to the development of effective and sustainable LKMS digitalization
Feasibility of Layer Duck Farming in Wonomulyo Subdistrict, Polewali Mandar Regency Ali, Najmah; Suhartina; Utami, Rahmawati Ning; Dahniar; Fadilah, Nur
Bantara Journal of Animal Science Vol. 7 No. 2 (2025): BJAS
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/bjas.v7i2.7308

Abstract

Duck egg farming is one of the important sources of income for rural communities, and the success of this business largely depends on cost efficiency and the level of profit obtained. This study aims to analyze the cost structure, revenue, and financial feasibility of duck egg farming in Wonomulyo Subdistrict based on the average data from 70 respondents. Data were collected through a survey method with structured interviews regarding the number of livestock, land area, production costs, and farm revenue. The results showed that the average number of ducks reared was 130 birds with an average land area of approximately 25 m² per farmer. Variable costs reached IDR 52,364,000 per year, while fixed costs amounted to IDR 5,190,000 per year, resulting in an average total production cost of IDR 57,554,000 per year. The average revenue from egg production was IDR 65,000,000 per year, yielding a net profit of IDR 7,446,000. Financial feasibility analysis indicated an R/C ratio of 1.13, a Break Even Point (BEP) of 28,777 eggs, and a Return on Investment (ROI) of 12.9% per year. These values demonstrate that duck egg farming is feasible to continue, as revenue exceeds production costs, profits are positive, and production is above the break-even point. The business can be further developed by improving cost efficiency and optimizing livestock productivity.
Upaya Peningkatan Kemampuan Santri Dalam Membaca Al-Qur’an Melalui Program Bimbingan Intensif Berbasis Kelas Kecil Di Yayasan Pondok Pesantren Al-Amin Gersik Kediri Lombok Barat Fatmawati; Syamsul Hadi; Hadlun; Muh Asroruddin al-Jumhuri; Dedi Alfarizi; Rian Hamdani; Ibrahim; Hermayanto; Nihayatul Azania; Herma Widyaningsih; Mariana; Renita Ramdani; Muliatun; Suhartina
Kreasi: Jurnal Inovasi dan Pengabdian kepada Masyarakat Vol. 5 No. 2 (2025): Agustus
Publisher : BALE LITERASI

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Abstract

Al-Qur’an merupakan kitab suci umat Islam yang menjadi pedoman hidup dalam berbagai aspek kehidupan. Kemampuan membaca Al-Qur’an dengan baik dan benar, sesuai dengan kaidah tajwid, merupakan kewajiban bagi setiap muslim. Salah satu strategi yang dapat diterapkan untuk mengatasi permasalahan tersebut adalah melalui bimbingan intensif atau befokus dalam membaca Al-Qur’an. Bimbingan intensif memberikan pendekatan yang lebih terarah, berkelanjutan, dan fokus terhadap kebutuhan individual peserta. Metode penelitian ini menggunakan Penelitian Tindakan Kelas (PTK) dengan teknik pengumpulan data meliputi observasi aktivitas guru dan santri, serta tes kemampuan membaca Al-Quran secara berkala. Bimbingan intensif dapat diterapkan melalui metode seperti Talaqqi (bertatap muka dan menirukan), pemberian demonstrasi bacaan sesuai tajwid, latihan rutin, dan motivasi berkelanjutan. Sebelum bimbingan dilaksanakan di ponpes Al-amin, hanya sekitar 75% santri yang dapat membaca Al-Qur’an dengan tartil dan sesuai tajwid. Setelah program, angka ini meningkat menjadi 85%. Kesalahan umum seperti bacaan yang kurang jelas, salah makhraj, serta ketidaktahuan terhadap hukum tajwid berhasil diminimalisasi. Bimbingan Intensif berbasis Kelas Kecil merupakan metode efektif dalam meningkatkan kemampuan santri” dalam membaca Al-Qur’an dengan baik dan benar. Bimbingan membaca Al-Qur’an secara intensif merupakan solusi strategis dan aplikatif dalam menjawab permasalahan kemampuan baca Al-Qur’an di kalangan santri.
Co-Authors Agustina Ali, Najmah Angka, Andi Werawe Asriani Dahniar Dedi Alfarizi Diana Yunita Dewi Fatmawati Fatmawati Girsang, Ermi Hadlun Hamdi, Sintiya Herma Widyaningsih Hermayanto Herni Johan Ibrahim Irma Susanti, Irma Maler, Tangge Mariana Mayangsari, Nindya Muh. Asroruddin Al Jumhuri Muhammad Sabiq Dzakwan Muliatun Nihayatul Azania Noorbaya, Siti NUR FADILAH Nurhasanah Putranto Manalu Renita Ramdani Rian Hamdani Sartika, Ella Shoheh, Rusli Siti Nuraliah, Siti St Rohani, St Suradi SURYANI Syamsul Ph.D M.A. Hadi Taufik Dunialam Khaliq Usman Usman Utami, Rahmawati Ning