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Risanda Alirastra Budiantoro
Fakultas Ekonomika Dan Bisnis, Universitas Negeri Semarang
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MAWAR (Melawan Rentenir): Integrated MSMEs Financial Inclusion Strategy In Sharia-Based Chasanah, Amalia Nur; Herawati, Ratna; Budiantoro, Risanda Alirasta; Sukono Putro, Febrianur Ibnu Fitroh
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 14, No 1 (2021): March 2021
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v14i1.24850

Abstract

Allah has provided Islam as life guidance to be used in taking and undergoing all life aspects, including of the management and business financing. In the perspective of Islamic finance, financing venture capital through moneylenders will makes the borrower in difficult situation. This research aims to analyze the integrated financial inclusion strategy in sharia-based MSMEs financing in the Semarang City with the MAWAR Program. Mawar program is a funding assistance program for potential micro small and  medium entrepreneurs based on sharia with Murabahah by collaborating through memorandum of understanding with several other agencies, such as Sharia People Financing banks, Semarang City Amil Zakat Agency, Semarang Syariah Economic Community, Semarang City Cooperatives and Micro Enterprises Agency, telecommunications companies, branchless banking agents and financial technology institutions. The benefit obtained can provide scientific contributions to the empowerment management and can be developed into a study material for long-term planning programs by the Semarang City Government in empowering micro, small and medium enterprises so they can be competitive, independent, prosperous, and cultured based on religiosity values. The approach method used qualitative research with analytical tools is the business model canvas. Data collection method used observation, interviews, and literature study. The results of this research are with the MAWAR Program, the Semarang City Government does not charge any additional costs to the borrowers (MSMEs). The legal basis of this program is based on a memorandum of understanding between the stakeholders involved and Islamic sharia
Co-Authors A. A. A. WULANDIRA SAWITRI DJELANTIK Afifah Nur Millatina Agus Wahyudin Ahmad Nurkhin Ahmad Syahrul Fauzi Ali, Luthfi G. Ali, Shujahat Alrizqi, Damas Gianlugi Amalia Nur Chasanah Anak Agung Istri Sri Wiadnyani Anis Susanti Arif Agus Haidar Arifandi, Muhammad Rizky Arsanda, Tiara Daffa Asrori Athoillah Athoillah, Athoillah Aulia Prima Kharismaputra Awanis Linati Haziroh Az Zahra, Nadia Faiza Bilkis Aulia Luxfiati Bogy Febriatmoko Cahyani, Indah A. Chasanah, Amalia Nur Diana Puspitasari Djoko Widodo Dwi Rahmayani, Dwi Enggarningtyas Retno Pinasti Fatimatuzzahro Fatimatuzzahro, Fatimatuzzahro Febrianur Ibnu Fitroh Sukono Putra Fitrarena Widhi Rizkyana Florensia, Carina Foza Hadyu Hasanatina Foza Hadyu Hasanatina Foza Hadyu Hasanatina Foza Hadyu Hasanatina, Foza Hadyu Hadyu Hasanatina, Foza Hakimi, Fifi Hasan Mukhibad Heri Yanto Herry Subagyo Himmatina, Dina N. Indah Anisykurlillah Indri Murniawaty, Indri Ismiyati, Ismiyati Khaira, Mulil Khalwat Asyaria Khalwat Asyaria Khelle K, Nicky Clara Kholifah, Miftakhul JN Kiswanto Kiswanto Kusni Ingsih lailatis syarifah, lailatis Lamidi, Lamidi Larasati, Pradipta P Larasati, Pradipta Puspita Latifah, Faela R. Lestari, Selvia Puji M Aulia Rachman Mario Rosario Wisnu Aji Masitha Fahmi Wardani Masitha Fahmi Wardhani Maylia Pramono Sari Maylia Pramono Sari Mega Wahyu Widawati Meliana, Rini Mubashir Ahmad Mudinillah, Adam Muhammad Rizky Arifandi Musthofa, Ubaedul Mustofa, Ubaedul Nafisa, Binta Zulfa Nanik Sri Utaminingsih Nora Idiawati Nur Rachmat Arifin Nurhikmah, Abdullah Arif Nursalim Nursalim Perdana, Tito Aditya Pinasti, Enggarningtyas Retno Prabowo Yudo Jayanto Pradipta Puspita Larasati Pradipta Puspita Larasati Prayogi, Joni Putra, Febrianur I.F.S. Rachman, Mohammad Aulia Rachman, Muhammad Aulia Rahmad Hakim Ratna Herawati Ratna Wardani Richatul Jannah Riesanda Najmi Sasmita Rizkyana, Fitrarena Widhi Roymon Panjaitan Sandy Arief Sehabuddin, Ahmad Shujahat Ali Sih Darmi Astuti Sisca Dian Rahmawati Sri Herianingrum Sri Runtiningsih Suci Afnia Syahrul Fauzi, Ahmad Syamsuddin Syamsul Arifin Tamimah Tamimah Tika Widiastuti Tsani, Luthfi Ibnu Vicky Oktavia Vina Amalia, Vina Zahra, Mauren A.