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All Journal CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Kewirausahaan dan Bisnis el-Jizya: Jurnal Ekonomi Islam
Muhammad Nasor
Unknown Affiliation
Economics, Econometrics & Finance Education Social Sciences

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ANALISIS SWOT PASAR MODAL SYARIAH SEBAGAI SUMBER PEMBIAYAAN DI INDONESIA Basrowi Basrowi; Pertiwi Utami; Erike Anggraeni; Muhammad Nasor
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (272.576 KB) | DOI: 10.24090/ej.v8i2.3957

Abstract

The purpose of this study is to provide a literature review of the problems currently faced by Islamic Capital Markets, given that Islamic capital market products have not been used significantly as a source of financing outside of Islamic Banks. Whereas the opportunity as an alternative source of funding is quite large, especially because of the potential of the majority of Indonesian Muslims. The method used in this study is the literature method based on the most up-to-date reading sources from books and journals. Data analysis methods used are SWOT analysis so that it is expected to find the right strategic solution for using the Islamic capital market as a source of financing outside the bank. The results of the analysis indicate that the use of Islamic capital market products has a positive force by continuously maintaining its existence. Its superiority is influenced by its activities which avoid Maghrib (Maysir, haram, usury and gharar). The impact is very significant on environmental empowerment or 'green economy' because it indirectly prohibits the practice of destroying natural resources for stakeholder actors. The disadvantage is the large number of human resources in the Islamic Capital Market who are unable to use sophisticated technology appropriately and optimally. Opportunities come from technological developments and increasing public financial literacy on the Islamic capital market. The obstacle is that there is a high risk due to external factors, namely political, economic, socio-cultural changes that must be watched because there is always no certainty about it.
The Policy Role of Bank Syariah Indonesia for MSMEs Sector in Community Economic Empowerment Ahmad Habibi; Pertiwi Utami; Rozina Muzammil; Muhammad Nasor
Jurnal Kewirausahaan dan Bisnis Vol 28, No 1 (2023): June
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jkb.v28i1.67178

Abstract

The people's economy can be improved through the micro business sector. The issue of the role of Bank Syariah Indonesia (BSI) as a competent Islamic bank is a new hope for these business actors. Unfortunately, previous studies have not disclosed in depth the programs and policies of BSI after the merger. This study aims to determine the policy of Islamic banking toward the micro-business sector to empower the community's economy. The study was conducted on Bank Syariah Mandiri (BSM), which merged with two other large Islamic banks, Bank Rakyat Indonesia Syariah (BRI Syariah) and Bank Negara Indonesia Syariah (BNI Syariah), and became BSI. The research design used a qualitative approach with data collection techniques in interviews, observation, and documentation. BSI is a bank that collects and distributes funds to the public based on sharia principles. The findings show that BSI maintained its reputation as a competent Islamic bank in community empowerment efforts. This is evidenced by the inclusion of BSI in the Forbes list of The World's Best Banks 2021 because it has met the criteria for trust, terms and conditions, customer services, digital services, and financial advice. Although it has merged with two other Islamic banks, BSM continues to use the same system as before, except for some adjustments related to product policies regarding costs, benefits, and margin provisions by applicable regulations. Community empowerment through Micro Business products refers to Law Number 21 of 2008 concerning Islamic Banking. In its development, to support the community's economy, BSI carries out a sustainable finance agendavillage economic programs, food security, sociopreneur scholarships, and siding with MSMEs.Keywords: Bank Syariah Indonesia; policy; MSMEs
Pemberdayaan Keluarga Penerima Manfaat Progam Keluarga Harapan Melalui Manejement Keuangan Keluarga Malik, Anas; Muhammad Nasor; Muhammad Jayus
CARADDE: Jurnal Pengabdian Kepada Masyarakat Vol. 8 No. 1 (2025): Agustus
Publisher : Ilin Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31960/caradde.v8i1.2818

Abstract

Abstract. Poverty remains a major challenge in improving social welfare in Indonesia. The government launched the Family Hope Program (PKH) to support low-income families through financial assistance and financial management training to achieve economic independence. This community service activity aims to enhance financial literacy and budgeting skills among PKH beneficiaries in Waysidomukti Village, South Lampung. The implementation method employed Participatory Action Research (PAR) through counseling, simulations, mentoring, and group discussions. Participants were taught to create budgets, record expenses, and allocate funds. The results showed increased understanding of financial planning, as evidenced by habits of recording expenses and setting aside savings, supporting financial independence and reducing reliance on PKH assistance. Abstrak. Kemiskinan menjadi tantangan besar dalam meningkatkan kesejahteraan sosial di Indonesia. Pemerintah meluncurkan Program Keluarga Harapan (PKH) untuk mendukung keluarga berpenghasilan rendah melalui bantuan keuangan dan pelatihan pengelolaan keuangan guna mencapai kemandirian ekonomi. Kegiatan pengabdian masyarakat ini bertujuan meningkatkan literasi keuangan dan keterampilan pengelolaan anggaran keluarga penerima PKH di Desa Waysidomukti, Kecamatan Ketapang, Lampung Selatan. Metode pelaksanaan menggunakan Participatory Action Research (PAR) melalui konseling, simulasi, pendampingan, dan diskusi. Peserta belajar menyusun anggaran, mencatat pengeluaran, dan mengalokasikan dana. Hasil menunjukkan peningkatan pemahaman peserta dalam perencanaan keuangan, terlihat dari kebiasaan mencatat pengeluaran dan menyisihkan tabungan, sehingga mendukung kemandirian keuangan serta pengurangan ketergantungan pada PKH.
Co-Authors Ahmad Habibi Basrowi Basrowi Erike Anggraeni MALIK, ANAS Muhammad Jayus Pertiwi Utami Pertiwi Utami Rozina Muzammil