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Nanang Sobarna Analisis Penerapan Maqashid Syariah Dalam Penyaluran Pembiayaan Pada Koperasi Syariah Nanang Sobarna; Dady Nurpadi; Gina Nurafifah; Jeni Nurjaman
J-Coop : Journal of Co-operative Vol. 2 No. 1 (2026): J-Coop : Journal of Co-operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v2i1.43

Abstract

This research aims to analyze the application of maqashid sharia in the distribution of financing in sharia cooperatives in Indonesia. Maqashid syariah, which is the main objective of sharia, focuses on the protection and enhancement of community welfare through principles of justice and balance in transactions. This research uses a qualitative approach with a literature study method. The research results show that Islamic cooperatives have implemented the principles of maqashid sharia in various aspects of financing distribution, such as in the selection of appropriate financing products, risk management, and transparency. Additionally, this research also identifies supporting and inhibiting factors in the implementation of maqashid sharia, as well as its impact on the welfare of cooperative members. These findings provide recommendations to enhance members' understanding of sharia finance and the need for better regulatory support for sharia cooperatives, in order to optimally achieve the goals of maqashid sharia.
Analisis Mitigasi Risiko Pembiayaan Koperasi Syariah Nanang Sobarna
J-Coop : Journal of Co-operative Vol. 2 No. 2 (2026): J-Coop : Journal of Co-Operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v2i2.374

Abstract

Sharia cooperatives play a strategic role in enhancing member welfare by providing financing services based on Sharia principles. However, these financing activities are subject to various risks—particularly the risk of Non-Performing Financing (NPF)—which can impact the cooperative's stability and sustainability. This study aims to analyze the concept of Sharia financing risk, its underlying factors, and risk mitigation strategies applicable to Sharia cooperatives. A qualitative approach utilizing library research was employed. Data were gathered through a review of secondary sources, including scholarly articles, books, legislation, fatwas from the National Sharia Board of the Indonesian Council of Ulama (DSN-MUI), and official publications regarding risk management and Sharia cooperatives. Analysis was conducted descriptively through the identification, classification, synthesis, and interpretation of relevant literature. The findings indicate that Sharia financing risk encompasses not only default risk but also Sharia compliance risk, operational risk, legal risk, liquidity risk, market risk, and reputational risk. These risks are influenced by internal factors—such as weak financing analysis, limited human resource competence, and member moral hazard—as well as external factors, including changes in economic conditions, regulations, and business environment dynamics. Effective financing risk mitigation is achieved through the application of the 5C + 1S principles (character, capacity, capital, collateral, condition of the economy, and Sharia compliance), financing portfolio diversification, enhanced member education, continuous financing monitoring via early warning systems, and financing restructuring based on Sharia-compliant principles of consultation and fairness. These strategies are expected to reduce NPF levels, improve financing portfolio quality, strengthen member trust, and support the sustainability of Sharia cooperatives.
Pendampingan Sertifikasi Halal Gratis Bagi Usaha Mikro dan Kecil di Desa Ganeas Kecamatan Ganeas Kabupaten Sumedang Nanang Sobarna
E-Coops-Day : Jurnal Ilmiah Abdimas Vol 7 No 2 (2026): E-Coops-Day : Jurnal Ilmiah Abdimas
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecd.v7i2.371

Abstract

Sertifikasi halal merupakan salah satu instrumen penting dalam meningkatkan daya saing usaha mikro dan kecil (UMK), sekaligus sebagai bentuk kepatuhan terhadap kebijakan Jaminan Produk Halal di Indonesia. Menjelang pemberlakuan kewajiban sertifikasi halal pada Oktober 2026, masih banyak pelaku usaha yang menghadapi berbagai kendala, seperti rendahnya pemahaman mengenai regulasi halal, keterbatasan pengetahuan tentang prosedur pengajuan sertifikasi, serta kurangnya pendampingan dalam melengkapi dokumen persyaratan. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pengetahuan, pemahaman, dan kesiapan pelaku usaha dalam mengajukan Sertifikasi Halal Gratis (SEHATI) melalui pendampingan yang dilaksanakan di Desa Ganeas, Kecamatan Ganeas, Kabupaten Sumedang. Metode yang digunakan adalah pendekatan partisipatif yang meliputi koordinasi dengan pemerintah desa, survei awal, sosialisasi kebijakan Jaminan Produk Halal, pendampingan teknis penyusunan dokumen, simulasi proses sertifikasi halal, serta evaluasi melalui pre-test, post-test, dan kuesioner kepuasan peserta. Kegiatan diikuti oleh 45 pelaku usaha mikro dan kecil. Hasil kegiatan menunjukkan bahwa nilai rata-rata peserta meningkat dari 58,7 pada pre-test menjadi 86,9 pada post-test atau mengalami peningkatan sebesar 48,04%. Selain itu, sebanyak 90% peserta berhasil melengkapi dokumen persyaratan, seluruh peserta berhasil membuat akun pada sistem SIHALAL, dan sebagian besar produk telah diajukan melalui skema Sertifikasi Halal Gratis. Tingkat kepuasan peserta terhadap pelaksanaan kegiatan mencapai rata-rata 92%, yang menunjukkan bahwa program pendampingan berjalan dengan baik dan memberikan manfaat yang nyata bagi peserta. Kegiatan ini membuktikan bahwa pendampingan yang terstruktur dan berkelanjutan mampu meningkatkan literasi halal, memperkuat kesiapan administrasi pelaku usaha, serta mendukung percepatan implementasi kebijakan Jaminan Produk Halal di tingkat desa.