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All Journal Jurnal Hukum Ekonomi Syariah Indonesian Journal of Islamic Economics and Business
Andi Bahri S.
Institut Agama Islam Negeri Parepare
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Collaborative Governance dalam Pengelolaan Aset Wakaf Sebagai Strategi Pengentasan Kemiskinan di Kota Parepare Alfiyah Dhiyaul Auliyah; Andi Bahri S.; Islamul Haq; Hannani; Suarning
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6084

Abstract

This study aims to analyze the fundamental role of cross-sector collaborative governance in optimizing waqf asset management as a poverty alleviation strategy in Parepare City. Employing a qualitative field research design with an interpretative paradigm, primary data were collected through in-depth semi-structured interviews and non-participant observation involving key stakeholders, namely the Ministry of Religion, the Indonesian Waqf Board, and Nahdlatul Ulama's Philanthropic Institution (LAZISNU). The data were analyzed using an interactive qualitative model encompassing data condensation, display, and conclusion drawing. The research introduces the novelty of a Dual-Track Collaboration Model, demonstrating that state institutions predominantly focus on legal-defensive asset protection, while civil society autonomously drives productive community empowerment. Furthermore, the study identifies a Collaborative Capacity Gap, where facilitative leadership and external political support are constrained by the absence of local regulations and the centralized management of cash waqf funds. Consequently, this creates a paradox of Transitional Optimization based on Social Resilience. The current collaborative framework successfully secures socio-religious infrastructure and educational sustainability for vulnerable groups, yet it has not achieved immediate macroeconomic poverty alleviation due to regional fund outflows to the central government.
Penguatan Inklusi Keuangan Syariah Melalui Fintech Syariah: Implikasi terhadap Pengembangan UMKM di Indonesia Syamsul Ma'arif; Muzdalifah Muhammadun; Syahriyah Semaun; Andi Bahri S.; Andi Ayu Frihatni
Jurnal Hukum Ekonomi Syariah Vol. 10 No. 1 (2026): Juni 2026 (In Progress)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/s7kvd473

Abstract

The rapid growth of Sharia financial technology (fintech) has created significant opportunities to enhance Islamic financial inclusion and support the development of micro, small, and medium enterprises (MSMEs). However, empirical evidence regarding the mechanisms through which Sharia fintech influences MSME development remains limited, particularly in regional contexts in Indonesia. This study examines the mediating role of Islamic financial inclusion in the relationship between Sharia fintech services and MSME development. Using a quantitative approach, data were collected from 100 MSME owners in Parepare City, South Sulawesi, Indonesia, and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that Sharia fintech has a positive and significant effect on Islamic financial inclusion and MSME development. Islamic financial inclusion also positively influences MSME development. Furthermore, Islamic financial inclusion partially mediates the relationship between Sharia fintech and MSME development, suggesting that the benefits of fintech adoption are strengthened through broader access to Sharia-compliant financial services. The structural model explains 50.1% of the variance in MSME development. These findings underscore the strategic role of Sharia fintech in fostering an inclusive Islamic financial ecosystem and promoting sustainable MSME growth. While the findings provide valuable insights into Islamic digital finance, they are based on MSMEs operating in Parepare City and should therefore be interpreted within this local context. This study contributes to the literature on Islamic digital finance by providing empirical evidence on the mediating role of Islamic financial inclusion and offers practical implications for policymakers, Islamic financial institutions, and fintech providers.
Co-Authors Alfiyah Dhiyaul Auliyah Andi Ayu Frihatni Hannani Islamul Haq Muzdalifah Muhammadun Suarning Syahriyah Semaun, Syahriyah Syamsul Ma'arif