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All Journal Dinamika Akuntansi Keuangan dan Perbankan LAW REFORM Diponegoro Law Journal JEJAK JURNAL LITIGASI (e-Journal) YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Measurement : Jurnal Akuntansi ARISTO Kinerja: Jurnal Ekonomi dan Manajemen Humani (Hukum dan Masyarakat Madani) Journal of Economic, Management, Accounting and Technology (JEMATech) Surya Abdimas Jurnal Jatiswara SULTANIST: Jurnal Manajemen dan Keuangan BISECER (Business Economic Entrepreneurship) JURNAL PEMBANGUNAN HUKUM INDONESIA JURNAL USM LAW REVIEW Jurnal Akuntansi dan Bisnis Krisnadwipayana Nusantara Science and Technology Proceedings Journal of Social Responsibility Projects by Higher Education Forum Wasana Nyata Pancasila: Jurnal Keindonesiaan Jurnal Kesehatan Kusuma Husada JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) JICS : Journal Of International Community Service Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Ratna Herawati
Universitas Dian Nuswantoro
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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 Adilla Kustya Ulfa Ahmad Said Alifiya Zahra Irmaya Fani Almira Santi Samasta Amalia Diamantina Anggun, Sekar Azizah, Uswa Baehaqi Bambang Minarso, Bambang Cahyani, Keken Suci Adi Chasanah, Amalia Nur Dessyana Kardha Dewi Sulistyawati, Dewi Diana Puspitasari Diana Puspitasari Durya, Ngurah Pandji Mertha Agung Dwi Prasetyo Faricha Aulia Ananda Fifiana Wisnaeni Habsari, Alya Cantika Haji Mohiddin, Mas Nooraini binti Hanum, Willy Naresta Hardjanto, Untung Sri Haryanto Haryanto Ichsani, Immada Ifandari Ifandari Ira Septriana, Ira LILIS SETYOWATI Maria Ulfa, Farah Diba Masitha Fahmi Wardani Masitha Fahmi Wardhani Melati Oktafiyani Mistlu Ladiyana Fidela Latifa Ningrum, Nadila Ayu Noval Setyawan Novanto, Arya Setya Nufus, Ahmad Fahriza Ilun Nurjanah, Neni Oktoriza, Linda Ayu Perdana, Tito Aditya Purwantoro Ratna Wardani Resha Fatmawati, Elia Retno Indah Hernawati Retno Saraswati Risanda Alirastra Budiantoro Setyani, Renny Setyawan, Noval Sulistiani -, Sulistiani Wahyuningsih, Hartati Dyah Widayati Widayati Widianto, Tri Wikan Isthika, Wikan winanto, winanto Yulia, Yosephine Angelina Yuliana Yuliana Zulqa, Ihdaa