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IMPLEMENTASI MUSYARAKAH SEBAGAI PEMBIAYAAN UMKM DI KECAMATAN CIBIRU KABUPATEN BANDUNG Arif Lukmanul Hakim; Abdul Faqih; Sandy Pratama
Jurnal Ilmiah Multidisiplin Ilmu Vol. 2 No. 6 (2025): Desember : Jurnal Ilmiah Multidisiplin Ilmu (JIMI)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/6sy48r10

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia's economy, contributing significantly to the Gross Domestic Product (GDP) and employment. However, access to financing remains a major constraint. The musyarakah contract as a sharia-based financing scheme offers a solution grounded in justice, transparency, and profit-sharing. This model is relevant for implementation as it aligns with sharia principles and supports collaborative and sustainable business growth. This study employs a qualitative approach with a descriptive-analytical method to understand the implementation of the musyarakah contract among MSMEs in Cibiru District. Data were collected through in-depth interviews and observation, then analyzed using an interactive model encompassing data collection, sorting, presentation, and conclusion drawing. The research focuses on understanding, practices, and the impact of musyarakah on MSME actors. The application of musyarakah has brought positive impacts for MSMEs, increasing income, expanding partnerships, and broadening business operations. MSME actors comprehend the principles of profit-sharing, justice, and transparency, although the level of technical understanding varies. Musyarakah is considered more flexible compared to fixed-interest systems and is capable of fostering collaboration, risk-sharing, and supporting business expansion based on sharia values. Musyarakah has proven effective as an MSME financing scheme by enhancing income and strengthening business partnerships. The profit-sharing system is deemed fair, flexible, and sharia-compliant. While business actors' understanding varies, the values of transparency and honesty remain evident. Strengthening literacy, mentoring, and developing inclusive musyarakah products is essential to support more optimal and sustainable implementation.
Menavigasi Politik Maritim: Tinjauan Sistematis dan Pemetaan Bibliometrik Murtasidin, Bahjatul; Pratama, Sandy; Saputra, Putra Pratama
Journal of Political Issues Vol 7 No 2 (2026): Journal of Political Issues
Publisher : Jurusan Ilmu Politik Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/jpi.v7i2.433

Abstract

Maritime affairs constitute a strategic domain within contemporary geopolitical dynamics. In recent decades, maritime spaces have ascended as a critical arena for power projection, driven by intensifying global competition. This study employs a systematic mapping approach to delineate the evolution and predominant research trends within maritime political studies. Utilizing bibliographic data from the Scopus database in the period of 2005–2025, we analyzed a corpus of scientific articles on maritime politics. The data were processed using the VOSviewer software to generate a network map of keywords, elucidate inter-topic relationships, and trace conceptual developments. The analysis reveals five dominant keywords that form the discursive core: marine policy, governance, the marine environment, ocean governance, and marine governance. These themes are not isolated but are intricately interconnected within a conceptual network, illustrating the trajectory of maritime politics over the past two decades. The inter topic relationships signify the integration of ecological and political imperatives, shaping an emergent governance model characterized by its trans boundary, collaborative, and sustainability-oriented nature. This evolution represents an epistemological shift from a state-centrist paradigm, through a governance paradigm, toward a nascent ecological-political paradigm. Consequently, the sea is no longer conceived merely as an economic or territorial domain, but is increasingly recognized as a complex and dynamic political space.