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ANALYSIS OF SHARIA FINANCING STRATEGY BASED ON CROWDFUNDING IN SMES Sari, Lili Puspita; Rohim, Ade Nur; Priyatno, Prima Dwi; Rahmawati, Lina
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.19653

Research aims: The purpose of this study is to analyze strategies for developing sharia-based crowdfunding to support halal MSMEs. It aims to highlight key aspects such as education, regulation, technological innovation, institutional collaboration, and the provision of sharia-compliant investments that contribute to the growth and sustainability of the halal business ecosystem. Design/Methodology/Approach: This study employs a descriptive qualitative method with interview techniques. Research findings: The findings indicate that strategies for developing sharia-based crowdfunding for MSMEs include enhancing education, establishing regulations, creating technology-based products, collaborating with other institutions, and providing investments that comply with sharia principles. Theoretical Contribution/Originality: This study provides a new perspective on the role of sharia-based crowdfunding in supporting the growth of the halal MSME sector. It contributes to the academic discourse by expanding the existing literature on the integration between the halal economy and Islamic fintech, emphasizing how innovative financial mechanisms aligned with sharia principles can enhance access to funding and promote sustainable development within the halal industry. Practitioners/Policy Implications: Highlights the importance of synergy among education, regulation, and technological innovation in strengthening the sharia-compliant financing ecosystem for MSMEs. Research Limitations/Implications: The study remains descriptive and limited to interview findings, suggesting the need for further research using quantitative or comparative approaches to test the effectiveness of the proposed strategies.

ANALYSIS OF SHARIA FINANCING STRATEGY BASED ON CROWDFUNDING IN SMES Sari, Lili Puspita; Rohim, Ade Nur; Priyatno, Prima Dwi; Rahmawati, Lina
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.19653

Research aims: The purpose of this study is to analyze strategies for developing sharia-based crowdfunding to support halal MSMEs. It aims to highlight key aspects such as education, regulation, technological innovation, institutional collaboration, and the provision of sharia-compliant investments that contribute to the growth and sustainability of the halal business ecosystem. Design/Methodology/Approach: This study employs a descriptive qualitative method with interview techniques. Research findings: The findings indicate that strategies for developing sharia-based crowdfunding for MSMEs include enhancing education, establishing regulations, creating technology-based products, collaborating with other institutions, and providing investments that comply with sharia principles. Theoretical Contribution/Originality: This study provides a new perspective on the role of sharia-based crowdfunding in supporting the growth of the halal MSME sector. It contributes to the academic discourse by expanding the existing literature on the integration between the halal economy and Islamic fintech, emphasizing how innovative financial mechanisms aligned with sharia principles can enhance access to funding and promote sustainable development within the halal industry. Practitioners/Policy Implications: Highlights the importance of synergy among education, regulation, and technological innovation in strengthening the sharia-compliant financing ecosystem for MSMEs. Research Limitations/Implications: The study remains descriptive and limited to interview findings, suggesting the need for further research using quantitative or comparative approaches to test the effectiveness of the proposed strategies.

Model Pembiayaan Syariah Berbasis Teknologi dalam Mendukung Pengembangan Industri Halal Lili Puspita Sari; Ade Nur Rohim; Prima Dwi Priyatno
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8150

The technology-based Islamic financing model is growing in line with the presence of Islamic fintech institutions in Indonesia.. This is accompanied by the large potential of the national halal industry. This study aims to examine alternative financing models for Islamic fintech institutions in Indonesia in supporting the development of the halal industry through MSME business actors.The results of the study explain several alternative contracts that can be optimized to support the development of innovative sharia fintech financing models, such as IMBT, MMQ and Waqf. On the other hand, the development of a financing model also needs to be supported by the integration of financing platforms with related institutions and institutions to support the role and development of sharia fintech and the halal industry ecosystem in Indonesia.

Pengaruh Pendapatan Bagi Hasil Musyarakah, Bagi Hasil Mudharabah, dan Margin Murabahah terhadap Laba Bersih PT. Bank Muamalat Indonesia, Tbk. Maulana, Govi; Sari, Lili Puspita
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8986

One parameter to measure a bankâ€™s success is net profit. The more the bank's revenue grows, the more it shows a strong performance. This research aims to determine the effect of revenue sharing from musyarakah, mudharabah, and murabahah margin income on the net profit of PT. Bank Muamalat Indonesia, Tbk with a time span of 2014 to 2021. The approach used in this research is a quantitative approach based on secondary data with the sample used in the report of PT. Bank Muamalat Indonesia, Tbk in 2014 to 2021. The data analysis method used is Multiple Linear Regression. The results showed that musyarakah profit-sharing income did not have a positive effect, mudharabah profit-sharing income had a positive effect, while murabahah margin income had a negative effect on net income. For the Islamic banking industry, this research can be used to determine the factors that can affect net profit and can measure the performance of Islamic banks and other stakeholders.

PREFERENSI MAHASISWA MENABUNG DI PERBANKAN SYARIAH : STUDI PADA MAHASISWA PERGURUAN TINGGI DKI JAKARTA Dibah, Farah; Suryani, Suryani; Sari, Lili Puspita
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 10 No. 2 (2021): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v10i2.700

The development of Islamic banking in Indonesia is growing rapidly, supported by the great potential in the DKI Jakarta area. After the merger of Islamic banks in 2021 caused student awareness of Islamic financial transactions to increase. This study aims to examine the effect of service quality, brand image, and knowledge on student preferences for saving in Islamic banking. Sampling through purposive sampling method which was tested on 100 respondents. The data collection instrument used a questionnaire with a Likert scale. The analytical technique used to determine the magnitude of this effect is multiple linear regression assisted by the SPSS version 25 program. The test results show that (1) service quality has a significant effect on student preferences for saving in Islamic banking, (2) brand image has no significant effect on student savings preferences. in Islamic banking, (3) knowledge has a significant effect on student preferences for saving in Islamic banking, (4) service quality, brand image, and knowledge have a significant effect on student preferences for saving in Islamic banking.

Bibliometric and Systematic Review of Development-Oriented Zakat Management in Depok City, Indonesia Ade Nur Rohim; Lili Puspita Sari; Kevin Shaquille Lesmana; Ilham Alivian
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.993

This study maps and analyzes research trends on zakat management in Depok City, Indonesia, and examines its contribution to local development from 2020 to 2024. Forty relevant articles identified through Google Scholar using the Publish or Perish tool were analyzed with VOSviewer software. The findings reveal four main thematic clusters: studies on Baznas of Depok City as an institutional entity, zakat management practices, determinants of zakat payment behavior, and Amil Zakat Institutions (LAZ). Most research focuses on the distribution of zakat funds for empowerment-oriented economic programs. The trend analysis shows fluctuating research activity, peaking in 2022 and declining thereafter, with contributors affiliated with both Islamic and general higher education institutions. The novelty of this study lies in its localized bibliometric approach, which systematically captures the intellectual structure of zakat research at the city levelâ€”an area rarely explored in prior literature. Its scholarly significance lies in advancing understanding of how local zakat governance contributes to sustainable community development. Practically, it offers evidence-based insights for policymakers to strengthen institutional performance and diversify productive zakat programs. The studyâ€™s limitation lies in its reliance on Google Scholar data, suggesting the need for broader database coverage in future research.

The Role of Islamic Microfinance Institutions in Supporting MSME Digital Transformation in Indonesia Lili Puspita Sari; Desmadi Saharuddin; Muhammad Said
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2362

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in Indonesia’s economy by contributing significantly to employment and national economic growth. However, many MSMEs still face structural challenges, particularly limited access to financing and low digital readiness. In the era of digital economy expansion, Islamic microfinance institutions have the potential to support MSME digital transformation through inclusive and Sharia-compliant financial services. This study aims to analyze the role of Islamic microfinance institutions in supporting the digitalization of MSMEs in Indonesia. This research employs a descriptive qualitative approach using a literature review method. Data were collected from academic journals, government reports, and policy documents sourced from databases such as Google Scholar and national journal repositories. The selected literature was analyzed using content analysis through data reduction, categorization, and thematic interpretation. The findings show that Islamic microfinance institutions contribute to MSME digitalization by expanding access to Sharia-compliant financing, providing business mentoring, and improving managerial and digital capacities of MSME actors. However, challenges remain, including limited capital, low digital literacy, and technological constraints. Islamic microfinance institutions play a strategic role in supporting inclusive and sustainable MSME digitalization in Indonesia.

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MEMBAYAR ZIS MENGGUNAKAN GOPAY Muhammad Fadhil; Lili Puspita Sari
Veteran Economics, Management, & Accounting Review Vol 1 No 1 (2022)
Publisher : Fakultas Ekonomi Dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/vemar.v1i1.4829

The collection of ZIS through GoPay has increased significantly when compared to the collection from previous years, which can be seen from the public interest in donating, especially ZIS, which remains high despite the economic crisis in Indonesia. This study aims to analyze the factors that influence the interest in paying ZIS using electronic money through GoPay. This study uses quantitative research methods with the research population, namely the Jabodetabek people who have paid ZIS through GoPay. The data collection method used primary data in the form of a questionnaire. The sampling technique used purposive sampling technique with the number of respondents as many as 100 people who were taken using the Lemeshow formula. The data obtained were then analyzed using descriptive statistical analysis, validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing. From the results of the study, it was found that there was a significant positive effect between the variables of brand awareness and religiosity partially on interest in paying ZIS using GoPay, but easiness had no effect. Simultaneously, the variables of easiness, brand awareness, and religiosity have a significant influence on the interest in paying ZIS using GoPay.Keywords: Brand Awareness, Easiness, and ReligiosityAbstrakPenghimpunan ZIS melalui GoPay mengalami peningkatan yang signifikan jika dibandingkan dengan penghimpunan dari tahun-tahun sebelumnya yang dapat dilihat dari minat masyarakat untuk berdonasi khususnya ZIS tetap tinggi meskipun krisis ekonomi terjadi di Indonesia. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi minat membayar ZIS menggunakan uang elektronik melalui GoPay. Penelitian ini menggunakan metode penelitian kuantitatif dengan populasi penelitian yaitu masyarakat Jabodetabek yang pernah membayar ZIS melalui GoPay. Metode pengumpulan data menggunakan data primer berupa kuesioner. Teknik pengambilan sampel menggunakan teknik purposive sampling dengan jumlah responden sebanyak 100 orang yang diambil menggunakan rumus lemeshow. Data yang diperoleh kemudian dianalisis menggunakan analisis regresi linear berganda. Dari hasil penelitian ditemukan terdapat pengaruh yang positif signifikan antara variabel kesadaran merek dan religiusitas secara parsial terhadap minat membayar ZIS menggunakan GoPay, namun kemudahan tidak berpengaruh. Secara simultan variabel kemudahan, kesadaran merek, dan religiusitas memiliki pengaruh yang signifikan terhadap minat membayar ZIS menggunakan GoPay. Kata Kunci: Kemudahan; Kesadaran Merek; Religiusitas

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