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All Journal Jurnal Media Wahana Ekonomika EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Bilancia : Jurnal Ilmiah Akuntansi JIAI (Jurnal Ilmiah Akuntansi Indonesia) Jurnal Pengabdian Masyarakat Bumi Raflesia Jurnal Sains Manajemen dan Bisnis Indonesia Bima Journal : Business, Management and Accounting Journal JURNAL MANAJEMEN MODAL INSANI DAN BISNIS (JMMIB) Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Penyuuhan dan Pemberdayaan Masyarakat (JPPM) Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi JIMAKUKERTA Jurnal Entrepreneur dan Manajemen Sains National Conference on Applied Business, Education & Technology (NCABET) Jurnal Pengabdian Kepada Masyarakat Jurnal Medika: Medika Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Sharia Oikonomia Law Journal
Marini
Universitas Muhammadiyah Bengkulu
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PENDIDIKAN DAN PELATIHAN PERUBAHAN KOPERASI KONVENSIONAL MENUJU KOPERASI SYARIAH Marini Marini; Hesti Setiorini; Amir Mukadar; Suharmi Suharmi
Jurnal Pengabdian Masyarakat Bumi Rafflesia Vol. 6 No. 3 (2023): Desember : Jurnal Pengabdian Kepada Masyarakat Bumi Raflesia
Publisher : Universitas Muhammadiyah Bengkulu

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Abstract

Koperasi Sakinah Pimpinan Wilayah Aisyiyah Bengkulu yang beralamat di Komplek Kampus Universitas Muhammadiyah Bengkulu Jl. Bali. Koperasi Sakinah Pimpinan Wilayah Aisyiyah Bengkulu ini seluruh anggotanya adalah perempuan. Koperasi Sakinah Pimpinan Wilayah Aisyiyah Bengkulu berdiri sejak Tahun 2002 yang lalu dan telah berbadan hukum dengan Akte Pendirian Nomor 09/BH/DK-PKPM/KEP/II/2002. Selama ini Koperasi Sakinah Pimpinan Wilayah Aisyiyah Bengkulu merupakan koperasi konvensional dan ingin beralih menjadi koperasi syariah. Tujuan dari kegiatan pengabdian ini adalah untuk memberikan pengetahuan dan pemahaman mengenai koperasi syariah. Bentuk kegiatan yang dilaksanakan adalah berupa sosialisasi, dan pelatihan. Dimana pengurus dan anggota koperasi diberikan sosialisasi mengenai koperasi syariah dan kemudian pengurus koperasinya diberikan pelatihan cara membuat/menentukan akad-akad dalam koperasi syariah. Dari kegiatan pengabdian ini target dan hasil yang telah dicapai adalah meningkatkan pengetahuan dan pemahaman tentang koperasi syariah.   Kata Kunci: koperasi, konvensional, syariah
PERAN OTORITAS SYARIAH DALAM HILIRISASI EKONOMI MELALUI PRODUK FINTECH SYARIAH Soraya Ayumara; Aan Zulyanto; Marini Marini
Jurnal Entrepreneur dan Manajemen Sains (JEMS) Vol. 6 No. 1 (2025): Januari
Publisher : UM. Bengkulu

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Abstract

Sharia fintech has become a strategic instrument in the downstream of the Indonesian economy, especially in distributing financing to Micro, Small, and Medium Enterprises (MSMEs) that have been experiencing limited access to formal capital. This article aims to analyze the role of sharia authorities, namely the National Sharia Council-Indonesian Ulema Council (DSN-MUI) and the Sharia Supervisory Council (DPS), in facilitating and supervising economic downstream through sharia fintech products using a qualitative approach with a literature study method on sharia economic literature, Financial Services Authority (OJK) regulations, DSN-MUI fatwas, and empirical research for the 2020-2025 period on fintech sharia and MSME financing. The results of the study show that DSN-MUI plays a role as a normative framework through Fatwa No. 117/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles which is the operational basis of sharia fintech, while DPS functions as a supervisor, advisor, and reviewer which ensures sharia compliance at the operational level of the platform (The Role of DPS, 2022; Implementation of DSN-MUI Fatwa, 2024). Sharia fintech has been proven to expand financial inclusion and increase access to MSME financing through mudharabah, musyarakah, and halal crowdfunding contracts that are effective in improving economic justice, with financing growth of 35% for the 2020-2023 period and more than 50% of beneficiaries coming from MSMEs (Financial Services Authority, 2023; Munawar, 2025). The economic downstream process is facilitated through a feasibility assessment based on digital data, quick access without physical collateral, and Islamic financial literacy assistance that increases the managerial capacity of business actors (The Role of Sharia Fintech MSMEs, 2024; MSME Financial Transformation, 2025). However, implementation faces challenges in the form of limited DPS capacity that understands technology, digital literacy gap for MSME actors, and the need for regulatory harmonization between the OJK, DSN-MUI, and the Ministry of Cooperatives (The Role of DPS Compliance, 2025). This article concludes that strengthening sharia authorities requires three integrative strategies: improving the competence of DPS through financial technology training and sharia maqashid, the development of RegTech and SupTech for automated compliance audits, and strengthening collaboration between DSN-MUI, OJK, and industry players to ensure fintech Sharia plays an optimal role in the downstream of an inclusive, just, and sustainable economy according to the principle of maslahah. Keywords: sharia authority, DSN-MUI, DPS, Sharia Fintech , Economic Downstreaming, MSMEs, financial inclusion
KEBIJAKAN EKONOMI SYARIAH MUHAMMADIYAH MELALUI PENDEKATAN ANALISIS SWOT DALAM PENGUATAN EKONOMI UMAT Soraya Ayumara; Amir Mukadar; Marini Marini
Jurnal Entrepreneur dan Manajemen Sains (JEMS) Vol. 5 No. 2 (2024): Juli
Publisher : UM. Bengkulu

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Abstract

This study examines Muhammadiyah's sharia economic policy in the context of strengthening the ummah's economy through a SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis approach. Muhammadiyah as the second largest Islamic mass organization in Indonesia has a strategic role in the development of the sharia economy through various economic charities such as the Sharia People's Financing Bank (BPRS), Baitul Mal wa Tamwil (BMT), sharia cooperatives, and the Muhammadiyah Amil Zakat Infak Sedekah Institution (LAZISMU). This qualitative-descriptive research uses secondary data sources in the form of Muhammadiyah policy documents, sharia economic regulations, official reports of organizations, and scientific literature. The results of the SWOT analysis show that the main strength of Muhammadiyah lies in its wide organizational network, high public trust, and commitment to Islamic economic principles. The main weaknesses include fragmentation of coordination between economic institutions, limited sharia economic literacy at the grassroots level, and lack of integration of the digital financial system. Significant opportunities arise from the growth of the national Islamic finance industry, government regulatory support, and increasing awareness of the people towards the halal economy. Threats include competition with other conventional and Islamic financial institutions, as well as global economic dynamics. The SWOT strategy matrix results in four policy orientations: the SO (aggressive-expansive) strategy, the WO (turnaround) strategy, the ST (diversification) strategy, and the WT (defensive) strategy. Policy implications include strengthening the integration of Muhammadiyah's sharia economic ecosystem, increasing the capacity of human resources, accelerating digital transformation, and strengthening the branding of the sharia economy based on progressive Islamic values. Keywords: Sharia Economy, Muhammadiyah, SWOT Analysis, Strengthening the People's Economy, Strategic Policies
Fish Buying and Selling Practices in the Perspective of Sharia Law and Business (Case Study at the TPI Market in Sumber Jaya Village) Tia Ica Susanti; Marini Marini; Woolnough Cale
Sharia Oikonomia Law Journal Vol. 1 No. 3 (2023)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55849/solj.v1i3.197

Abstract

The title of this research is the practice of buying and selling fish in the perspective of sharia law and business (case study at the TPI market, Sumber Jaya Village). The population in the study took the market head, traders, and buyers. The sample of this research is Bengkulu City TPI market traders. This research is qualitative research, the data analysis method used in this research is qualitative descriptive analysis, where researchers in addition to processing and presenting data, also analyze the qualitative data. The practice of buying and selling fish at the TPI market in Sumber Jaya Village is an indicator of the value of awareness between sellers and buyers respecting each other's rights and obligations. The result of this research identifies an opportunity for the implementation of buying and selling in the perspective of sharia law and business in exchange activities or buying and selling in the TPI market, because the majority of respondents think that it is important to implement buying and selling Islamically or in the perspective of sharia law and business. Although in theory they do not understand it, normatively they implement Islamic business ethics.
Co-Authors Aan Zulyanto, Aan Adelia Oktapriani Ahmad Junaidi Ahmad Junaidi Ahmad unaidi Ali Ibrahim Amalia Sauma Amir Mukadar Amir Mukadar Anang Anang Andry Sartika Baroroh, Hilmy Budi Astuti Darma Setiawan Dedy Novriadi Dharma Setiawan Diah Khairiyah Dinal Eka Pertiwi Elsa Febiola Esy Rahmawati Eti Efrina Ezizia Selvia Fathur Haer Hesti Setiorini Intan Faradilla Katra Pramadeka Kesi Alvia Sesba Lastini Nur Sholihah Maulina Yusfiani Maya Astrining Dewi Mukadar, Amir Nopita Sari Onsardi, Onsardi Ranidiah, Furqonti Ratnawili Remi Kartina Rina Yuniarti Rina Yuniarti, Rina Rizki Risdi Ayudia Setiorini, Hesti Siti Mucholifah Soraya Ayumara Sri Vita Azhari Suharmi Suharmi Sumarlan, Ahmad Tia Ica Susanti Ulfa Tri Ummul Khair Wahid Dedi Fauzi Wahyu Anggraini Windhi Tia Saputra Woolnough Cale Yanti, Lussyefrida Yulius Wahyu Setiadi Yusmaniarti Yusmaniarti Yusmaniarti