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All Journal Islamadina : Jurnal Pemikiran Islam Proceeding Seminar LPPM UMP Tahun 2014 Jurnal Ilmiah Ekonomi Islam JSSH (Jurnal Sains Sosial dan Humaniora) Jurnal Hukum Ekonomi Syariah Airlangga Journal of Innovation Management Jurnal Ekonomi Syariah Pelita Bangsa Proceedings Series on Social Sciences & Humanities Jurnal Literasi Pengabdian dan Pemberdayaan Masyarakat Lire Journal (Journal of Linguistics and Literature)
Encep Saepudin
Universitas Muhammadiyah Purwokerto
Religion Arts Humanities Dentistry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Enhancing Financial Independence of Micro and Small Enterprises Fostered by BMT Dana Mentari Muhammadiyah in Purwokerto Rukoyah, Siti; Saepudin, Encep
Airlangga Journal of Innovation Management Vol. 6 No. 2 (2025): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v6i2.72447

Abstract

Baitul Maal wat Tamwil (BMT), as a sharia microfinance institution, plays an important role in enhancing the financial independence of Micro and small enterprises (MSEs). Common problems faced by these business actors include limited access to capital, minimal business assistance, and low understanding of financial management and marketing strategies. This study aims to explore how BMT Dana Mentari Muhammadiyah Purwokerto Karangwangkal strives to increase the financial independence of its members from the MSE sector. This study uses a qualitative descriptive approach (field research) with data collection techniques through interviews, direct observation, and documentation involving BMT administrators and members. The results of the study show that BMT's efforts to increase financial independence are carried out through three main programs: providing sharia-based financing, routine visits (silaturahmi) for business assistance and monitoring, and the "Fostering the Main Family" program which focuses on financial literacy training, digital marketing, and increasing sales. The strategies implemented include providing savings books for financial management, outreach financial services, personal assistance to improve skills, and education on independent financial decision-making. This study concludes that the combination of programs and strategies is effective in supporting members' financial independence. The implications of this study confirm that a sharia-based approach and family strengthening are relevant and sustainable empowerment models for micro-enterprises. From a managerial perspective, BMTs are advised to expand the scope of training and strengthen periodic evaluation of program impact.
PEMBERDAYAAN USAHA MIKRO BINAAN LAZISMU BANYUMAS MELALUI PEMAHAMAN AKAD PEMBIAYAAN SYARIAH encep saepudin
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.v9i1.7029

Abstract

Micro-enterprises contribute greatly to the economy and regional development. However, the development of its business scale faces a number of problems, including not being managed with modern management, low quality of human resources (HR), and limited ability to manage finances and access to capital. This study aims to determine the level of understanding of micro-businesses assisted by Lazismu Banyumas towards Islamic financial institutions (LKS) and Islamic financing products. His understanding will have an impact on access, management, and his ability to increase the scale of his production so that he can become an independent and muzakki business. This study uses a qualitative method with a case study approach in which 10 respondents were selected based on an agreement with Lazismu Banyumas. The result of the research is that micro-enterprises still need additional capital and assistance to develop their businesses. Their understanding of Islamic financial institutions is minimal so they cannot access Islamic bank products, but some others deliberately refuse Islamic bank financing because they are considered the same as Islamic banks and are afraid of not being able to return it.
Gerakan Filantropi Islam Berbasis Media Sosial dan Implikasinya Terhadap Pemberdayaan Masyarakat di Indonesia M Makhrus; Encep Saepudin
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.v9i2.8911

Abstract

This article examines the social media-based Islamic philanthropy movement in managing donations in Indonesia. This type of research is a field research through a qualitative-descriptive approach with the research objects being Sedekah Rombongan, Sedekah Bergerak, Laskar Sedekah, Sedekah Kreatif Edukatif, and Kitabisa.com. Data collection techniques were carried out by interview, observation, and documentation. The results of this study indicate that social media-based Islamic philanthropic institutions/ communities creatively optimize websites and social media to collect donations in the form of health, social, and educational service programs. The distribution of donations is mostly for charity activities due to the priority scale for the needs of the poor, then followed up with empowerment programs in the form of providing working capital, training, and business assistance. This Islamic philanthropic movement is able to provide additional understanding, change in behavior, and change attitudes toward the poor to be more productive and empowered. To measure the success of the program, namely by providing two indicators, first, donors donate through the provision of funds, and goods, and are actively involved in program implementation. Second, responding to likes, comments, and shares regarding information shared on social media.
Pengembangan Usaha Mikro Makanan Olahan dengan Pendekatan Pengelolaan Keuangan, Produksi, dan Pemasaran Syariah Saepudin, Encep; Darodjat, Darodjat
Jurnal Hukum Ekonomi Syariah Vol. 8 No. 2 (2025)
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v8i2.28946

Abstract

Pelaku usaha mikro dan kecil di Banyumas umumnya menekuni bidang kuliner dan makanan, namun kontribusinya terhadap perekonomian daerah belum berdampak besar karena terhambat sejumlah persoalan pada pengelolaan keuangan, produksi, dan pemasaran yang Islami. Tujuan penelitian ini untuk mengetahui hubungan pengelolaan keuangan, proses produksi, dan pemasaran usaha mikro dan kecil produk makanan olahan berdasarkan prinsip syariah terhadap pengembangan usahanya dan bagaimana peluang dan tantangan kemitraan usaha mikro dan kecil usaha mikro dan kecil produk makanan olahan bersama pemerintah dan instansi swasta dalam mengembangkan usahanya. Temuan penelitian ini adalah permasalahan usaha mikro makanan olahan, yaitu keterbatasan modal, belum mencatat pendapatan dan pengeluaran, belum menjaga kualitas dan kuantitas produk, serta masih terbatas pemasarannya. Permasalahan ini menyebabkannya kesulitan mengembangkan usahanya. Peluang kemitraan dengan pemerintah dan badan usaha nasional pun masih terhambat pada belum semua usaha mikro bergabung pada perhimpunan usaha mikro. Hal ini menjadi tantangan sendiri agar semua usaha mikro bergabung pada perhimpunan tersebut sehingga dapat meningkatkan kuantitas dan kualitas produknya dan berkinerja tinggi.
Analisis Manfaat Mudharabah Muqayyadah Produk Pembiayaan Linkage pada Bank BRI Syariah Cabang Purwokerto Murdiyah, Murdiyah; Saepudin, Encep
Jurnal Hukum Ekonomi Syariah Vol. 1 No. 1 (2018): April
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v1i1.3710

Abstract

Penelitian ini bertujuan untuk Untuk mengetahui penerapan akad mudharabah pada produk pembiayaan linkage di Bank BRI Syariah Purwokerto dan mengetahui manfaat pemilihan akad mudharabah muqayyadah pada produk linkage di Bank BRI Syariah cabang Purwokerto. Jenis penelitian ini adalah penelitian lapangan (field research) yang berjenis kualitatif, penelitian dilakukan di Bank BRI Syariah cabang Purwokerto. Metode pengumpulan data dalam penelitian dilakukan dengan cara wawancara, observasi dan dokumentasi. Hasil penelitian ini menunjukan bahwa proses pelaksanaan pembiayaan linkage di Bank BRI Syariah cabang Purwokerto yaitu Kopkar (Koperasi Karyawan) atau KPRI mengajukan permohonan pembiayaan, setelah itu Bank melakukan BI Checking  terhadap koperasi, kemudian wawancara dan pemenuhan dokumen persyaratan, bank melakukan analisa layak atau tidaknya koperasi diberikan pembiayaan, setelah itu On the Spot (OTS) dan transaksi jaminan, kemudian koperasi menandatangani surat pesetujuan pembiayaan setelah itu dilakukan akad pembiayaan dan kemudian Bank BRI Syariah melakukan pencairan pembiayaan. Bank BRI Syariah menyalurkan pembiayaan linkage kepada koperasi dengan menggunakan mudharabah muqayyadah karena memiliki banyak manfaat baik dari beberapa pihak yaitu : Bank BRI Syariah (shahibul maal), koperasi (mudharib) dan anggota koperasi.
Co-Authors Al Aqad, Mohammed H. Ambar Pujiyatno Danica Salsava Tanusi Darodjat, Darodjat Istianah Istianah Khristianto Khristianto, Khristianto Khristianto, K Lidia Fathaniyah M Makhrus Murdiyah, Murdiyah Putri Dwi Cahyani Rukoyah, Siti Safitri Mukarromah Sorayyaei Azar , Ali Wage Wage