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All Journal TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Jurnal el-Qanuniy: Jurnal Ilmu-Ilmu Kesyariahan dan Pranata Sosial Darul Ilmi: Jurnal Ilmu Kependidikan dan Keislaman Jurnal El-Thawalib Yurisprudentia: Jurnal Hukum Ekonomi Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Adpertens ; Jurnal Ekonomi dan Manjemen Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Marsialapari: Jurnal Pengabdian Kepada Masyarakat Ahsani Taqwim: Jurnal Pendidikan dan Keguruan Amsal Al-Qur’an: Jurnal Al-Qur’an dan Hadis Jurnal El-Thawalib
Damanik, Agustina
UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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Journal : Adpertens

 1 
PEMBERDAYAAN UMKM DENGAN MEMPERKUAT PERAN KOPERASI KONSUMEN BATANG  SAPONGGOL SEJAHTERA SEBAGAI LEMBAGA KEUANGAN NON BANK DI DESA PERKEBUNAN BATANG  SAPONGGOL Sawaluddin Siregar; Damanik, Agustina
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 1 No. 3 (2024): Oktober: Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v1i3.178

Abstract

This study describes the role of cooperatives in improving the economic welfare of the community, the people's economic system of joint ventures on the principle of kinship. Cooperative Program as a non-bank financial institution. in improving the economic welfare of the Batang Saponggol Sejahtera community, namely fighting for how through economic organizations can develop the economic welfare of the community. This research method uses qualitative research, namely research that describes the facts encountered, while this research approach is qualitative descriptive. The subjects in this study are core management members and additional informants from several Batang Saponggol Plantation village communities. data collection techniques, namely observation, interviews and documentation, validation from using theoretical triangulation techniques and source triangulation;  and data analysis using data collection. The results of this study are 1. The economic development program by the Batang Saponggol Sejahtera Consumer Cooperative in Batang Saponggol Plantation Village, namely savings and loans in the plantation sector, and services (procurement of goods), increasing the human resources of Cooperative members in the plantation sector such as fertilizer processing, so that it can save production costs for its members.  2. The obstacles faced from the internal aspect, namely the limited human resources and inadequate infrastructure, while the external aspect, namely community support, makes the Batang Saponggol Sejahtera Consumer Cooperative as an alternative to improve economic welfare in the Batang Saponggol Plantation Village. 3. Efforts are made to improve the quality of human resources through socialization or training and increase the capital or assets of the Cooperative through government cooperation and to support the livelihood of the members of the Cooperative.
PERAN KOPERASI SIMPAN PINJAM DALAM PEMBERDAYAAN EKONOMI MASYARAKAT DESA MONDANG SOSA KABUPATEN PADANG LAWAS Sawaluddin Siregar; Dahliati Simanjuntak; Agustina Damanik
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 2 No. 2 (2025): Juni : Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v2i2.314

Abstract

In economic activities, cooperatives play a role in helping the economic development of the community by carrying out empowerment. Where empowerment is an effort to meet the needs desired by individuals, groups and the wider community so that they have the ability to make choices and control their environment in order to fulfill their desires, including their accessibility to resources related to their work, social activities, and so on. In this journal, there are two problem formulations, namely how are the efforts of savings and loan cooperatives in empowering the community's economy in Mondang Village, Sosa District, Padang Lawas Regency?. What is the level of welfare of the people in Mondang Village, Sosa District, Padang Lawas Regency who are members of the savings and loan cooperative? This type of research is field research, which is a research conducted at the research location by making observations about a phenomenon in a natural state. Meanwhile, data collection in this study uses observation, interview, and documentation methods. This study uses qualitative descriptive analysis and descriptive statistics with a qualitative approach. The location of the research was carried out at KSP Mondang Village, Sosa District, Padang Lawas Regency. The results of this study show that KSP Mondang Village, Sosa District, Padang Lawas Regency has efforts to empower the community in improving welfare. In addition, the level of welfare of the members is quite good with several welfare indicators that have been met.
PEMBIAYAAN SYARIAH SEBAGAI KATALISATOR PERTUMBUHAN UKM DI ERA EKONOMI INKLUSIF Agustina Damanik; Raden Sardiman Pratama; Layla Hanum Abung
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2025): Oktober : Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v2i3.405

Abstract

This study aims to analyze the role of Islamic financing as a catalyst for the growth of Small and Medium Enterprises (SMEs) in the context of an inclusive economy. Using a qualitative-descriptive approach based on field studies, data was obtained through in-depth interviews with SME actors, managers of Islamic financial institutions (IFIs), and observations of financing practices in the field. The results show that Islamic financing contributes significantly to expanding access to capital for SME actors, especially those in the informal sector who are underserved by conventional financial institutions. Through contracts such as murābaḥah, mudhārabah, and musyārakah, IFIs not only provide business capital but also instill sharia-based business ethics. However, the effectiveness of Islamic financing still faces structural challenges such as limited financial literacy, low mentoring capacity, and lack of policy integration. This study confirms that Islamic financing has great potential as a driver of equitable and sustainable SME growth in an era of inclusive economy.
Co-Authors Afifah Nusrhoh Arif Fikri Dahliati Simanjuntak Harahap, Efridawati Layla Hanum Abung Nasution, Abdul Riswan Nusrhoh, Afifah Raden Sardiman Pratama Robiatul Adawiyah Santi Marito Sawaluddin Siregar