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PERAN BMT AL-AMANAH DALAM MENINGKATKAN AKSES PEMBIAYAAN SYARIAH BAGI PELAKU USAHA DI KABUPATEN SINJAI Rosmah; Kamaruddin Arsyad; Sumarlin
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 4 (2025): Juli
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v6i4.58154

Abstract

Abstrak Penelitian Artikel ini bertujuan untuk menelusuri peran BMT Al-Amanah dalam meningkatkan akses pembiayaan bagi pelaku usaha mikro di kabaupaten sinjai. Penelitian ini dilakukan dengan menggunakan metode literasi dengan pendekatan kualitatif. Hasil penelitian menunjukkan bahwa BMT Al-amanah berkontribusi dalam penyediaan berbagai produk pembiayaan syariah seperti murabahah, mudharabah, dan qardhul hasan yang sesuai dengan kebutuhan usaha mikro. Selain pembiayaan, BMT al-amanah juga memberikan pendampingan usaha dan edukasi literasi keuangan syariah. Tantangan yang dihadapi meliputi keterbatasan modal, rendahnya literasi keuangan masyarakat, dan risiko kredit. Penelitian ini merekomendasikan penguatan kolaborasi antara BMT al-amanah, pemerintah, dan lembaga zakat untuk memperluas akses dan memperkuat inklusi keuangan syariah Kata Kunci: BMT, Al-Amanah, Pemibiayaan Syariah, dan Usaha Mikro   Abstract This article explores the role of BMT Al-Amanah in increasing access to financing for micro business actors in the Sinjai district. This research was conducted using a literacy method with a qualitative approach. The results of the study show that BMT Al-amanah contributes to the provision of various sharia financing products such as murabahah, mudharabah, and qardhul hasan that are by the needs of micro businesses. In addition to financing, BMT al-amanah also provides business assistance and education on Islamic financial literacy. The challenges faced include limited capital, low public financial literacy, and credit risk. This study recommends strengthening collaboration between BMT al-amanah, the government, and zakat institutions to expand access and strengthen Islamic financial inclusion. Keywords: BMT, Al-Amanah, Sharia Financing, and Micro Enterprises
Analysis of Total Coliform Bacteria in Domestic Wastewater of Makassar City Using the Most Probable Number (MPN) Method Syaiful, Muhammad Fadhil; Amrullah, Syarif Hidayat; Amrullah, Dirhamzah; Anggraeni, Rini; Nurman; Rosmah
Indonesian Journal of Ecology and Conservation Vol 2 No 2 (2025): Tropical Ecology and Biodiversity
Publisher : Center for Ecology, Conservation and Ethnobiology Studies, Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/ijec.v2i2.4760

Abstract

Domestic wastewater serves as a habitat for various microorganisms, including coliform bacteria. High concentrations of total coliform exceeding the established wastewater quality standards indicate the presence of pathogenic contaminants that may contribute to the spread of waterborne diseases. This study aimed to determine the total coliform bacteria present in domestic wastewater in Makassar City. The method used was microscopic examination employing the Most Probable Number (MPN) method. The results of the MPN test showed that out of 50 domestic wastewater samples analyzed, 29 samples (58%) met the wastewater quality standards, while 21 samples (42%) did not meet the established standards. The samples analyzed were collected from various sources of domestic wastewater, including hotels, hospitals, factories, and shopping centers distributed across Makassar City