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All Journal Economic Journal of Emerging Markets Ekonomi dan Keuangan Journal of Economics, Business, & Accountancy Ventura Benefit: Jurnal Manajemen dan Bisnis Sriwijaya Law Review JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora EKONOMIS : Journal of Economics and Business Al-Muzara'ah Jurnal Samudra Ekonomi dan Bisnis International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Governance Risk Management Compliance and Sustainability Review of Islamic Social Finance and Entrepreneurship
Wahyu Ario Pratomo
Prodi S1 Ekonomi Pembangunan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Islamic Modes for Agricultural Financing: Which is the Most Suitable? Napitupulu, Rodame Monitorir; Rusydiana, Aam Slamet; Pratomo, Wahyu Ario
AL-MUZARA'AH Vol. 13 No. 2 (2025): AL-MUZARA'AH (December 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.2.253-270

Abstract

The agricultural sector is a primary sector in a country, contributing to GDP, providing raw materials for industry, and ensuring food and nutritional security. Additionally, the agricultural sector often proves to be a stabilizing force for the national economy during economic crises. One financing model suitable for this sector is the sharia-compliant financing scheme. This study employs a bibliometric analysis to explore the extent of research on Islamic financing models for the agricultural sector, analyzing 41 Scopus-indexed journal articles. Six main themes emerge: conceptualizing Islamic agricultural financing, waqf technology for SDGs in agribusiness, risk management in Islamic agricultural credit, Islamic finance for agricultural projects, economic growth through Islamic agricultural finance, and Islamic Microfinance Institutions (IMFIs) in agricultural finance. The analysis identifies the most suitable Islamic financing modes as integrated salam contracts with IMFIs, Waqf Trustee-Anchor Company models for agribusiness on waqf land and crowdfunding models with salam contracts and muzaraah waqf. Additionally, qard-al-hasan, muzaraah, and aPLS (agricultural Production and Loss Sharing) scheme with ujrah principles are recommended for unproductive land development. Policymakers in the agricultural sector can leverage these findings to enhance the role of Islamic finance in fostering agricultural development, particularly in countries with a majority Muslim population.
Pengaruh Peer to Peer Lending, E-commerce, E-payment, dan Literasi Digital terhadap Kinerja UMKM Kota Medan dengan Literasi Keuangan sebagai Variabel Intervening Butar, Riyani Butar; Pratomo, Wahyu Ario; Syafii, M.
Jurnal Samudra Ekonomi dan Bisnis Vol 17 No 1 (2026): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v17i1.11644

Abstract

The study analyzes the influence of P2P lending, e-commerce, e-payment, and digital literacy on the performance of MSMEs in Medan City, mediated by financial literacy. Data were obtained through questionnaires and interviews with 95 assisted MSMEs, then processed using SEM-PLS with SmartPLS 4. This analysis found that directly, P2P lending, e-commerce, and digital literacy did not have a significant impact, while e-payment had a positive and significant impact on MSME performance. Indirectly, financial literacy only mediated the positive relationship between digital literacy and MSME performance, but did not mediate the relationship between P2P lending, e-commerce, and e-payment on MSME performance. This finding emphasizes the importance of strengthening digital and financial literacy as a strategy to improve MSME performance through digitalization.
Co-Authors Aam Slamet Rusydiana, Aam Slamet Abdilah Ragilia M Abdul Ghafar Ismail Adithiya Rahman Atmaja Ahmad Albar Tanjung Ahmad Yani Hazir Amanda WBBA Angin, Sutejo Perangin Arif Rahman Arif Rahman Baktiar Bin Musa Butar, Riyani Butar Chenny Seftaria D. Agus Harjito Arif Singapurwoko Dede Ruslan Doriani Lingga Fauziah Fauziah Hakim, Sukma Hayati Hasibuan, Widya Sartika Inggrita Gusti Sari Nasution Irsad Irsad Ismadi Ismail Luh Putu Ratna Sundari Misna Doharni Harahap Muhammad Arief Tirtana Muhammad Fahmi Tanjung Muhammad Syafii Napitupulu, Rodame Monitorir Nasution, Fahmi Natigor Paidi Hidayat Pasaribu, Ayu Angelina Ragyl Arieyanto Ramadhan Devan Pratama Rambe, Nurul Hidayah Rosilawati Amiruddin Rospiani, Eka Ruth Christa Saida Hasibuan Sembiring, Sya’ad Afifuddin Sirojuzilam Hasyim Soeparno, Wahyu Sugeng Imam Suhaimi, Syech Sukma Hayati Hakim Suprayitno, Aryadimas Susanto, Arva Athallah Syafii, M. Syarief Fauzie Taufan Achmad Felna Tetty Yuliaty Tika Widiastuti Walad Altsani Weni Hawariyuni, Weni Wibowo, Rulianda P. Widya Sartika Hasibuan Wiyadi Wiyadi Yasmin Chairunisa Muchtar Yola Anggia