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All Journal International Journal of Islamic and Social Sciences (ISOS) Sharia Economic and Management Business Journal (SEMBJ)
Intan Kusuma Pratiwi
UIN Mataram
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other

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Islamic Boarding School (IBS) Business Incubator: A Model of The Economic Development and Empowerment of Islamic Boarding Schools (IBS) in NTB Intan Kusuma Pratiwi; Shofia Mauizotun Hasanah
International Journal of Islamic and Social Sciences (ISOS) Vol. 1 No. 1 (2021)
Publisher : UIN Mataram

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Abstract

West Nusa Tenggara has quite a number of Islamic boarding schools, which are 549. Islamic boarding schools can be developed into a people's economic base and economic development centers for the people in the regions, either in the form of Islamic financial institutions (Islamic boarding schools/kopontren) or other real business fields according to with assets owned by the pesantren. To facilitate this, an incubator for work skills and an entrepreneur/ business incubator is present. This research was carried out using a qualitative approach with the type of literature study research by looking for theoretical references that are relevant to the cases or problems found. The business incubator is one of the strategies to create new entrepreneurs. A business incubator is a support service for creating and developing new businesses that have high economic value and competitiveness. Business incubators are considered capable of optimizing the use of humanresources, and providing other facilities such as funding, working space, networking as well as providing technical and management training in the services they provide.
Adoption of Digital Micro Wakaf Bank by Ultra-Micro and Micro Businesses in Indonesia Dewi sartika Nasution; Intan Kusuma Pratiwi; Dahruji
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2237

Abstract

Background: Micro, small, and medium enterprises (MSMEs) are the backbone of the economy of Indonesia. Despite that fact, ultra-micro and micro entrepreneurs still face several constraints. Micro Waqf Bank (MWB) is one solution that utilizes Islamic social funds. This solution develops digital financial services to expand access to financing, efficiency of services, and business development. The limited study of ultra-micro and micro-entrepreneurs’ adoption of MWB’s digitalization makes this research important. Method: This research uses a mixed-methods approach, combining quantitative and qualitative methods. In this research, a sequential/stepwise mixed-methods strategy was used, with a sequential exploratory design. The analysis technique used in this research is a qualitative descriptive analysis technique, or what is usually called explanation making, namely, by using data analysis methods and describing the results of interview observations to find out in depth about the adoption of digital MWBs in the 5 MWBs. The quantitative method data analysis technique used by researchers uses the Partial Least Squares (PLS) method with SmartPLS software. Results: The research results show that there are several obstacles that prevent the use of the MWB mobile from being used comprehensively. However, the intention of ultramicro and micro business actors who are BMW customers to use and adopt the BMW application or other digital BMWs as a means of payment transactions and personal and business development for business actors is quite good. Conclusion: This study shows that the use of mobile MWB has not yet reached its full potential due to various challenges in its implementation and adoption. However, ultra-micro and micro business owners as MWB customers demonstrate a strong interest in using MWB’s digital services for transactions, business development, and capacity building. These findings highlight the importance of enhancing usability, aligning with the needs of MSMEs, and ensuring transaction security to increase the adoption of MWB’s digital services.
Co-Authors Dahruji Dewi Sartika Nasution Shofia Mauizotun Hasanah