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Peran Pegadaian Syariah dalam Pemberdayaan UMKM di Indonesia Bilkisti, Nadia; Jesika Wahyuningtias; Gracia Evelyn Anatasha; Mailani Salsa Amilia; Ikke Selviana; Khairul Ihwan; Anas Malik
Jurnal Intelek Insan Cendikia Vol. 2 No. 5 (2025): MEI 2025
Publisher : PT. Intelek Cendikiawan Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pegadaian Syariah merupakan lembaga keuangan non-bank berbasis prinsip Islam yang hadir sebagai solusi alternatif bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam mengakses permodalan. Rendahnya literasi keuangan dan keterbatasan jaminan menjadikan banyak pelaku UMKM kesulitan menjangkau pembiayaan konvensional. Penelitian ini bertujuan untuk menganalisis kontribusi Pegadaian Syariah dalam pemberdayaan UMKM, baik dari aspek pembiayaan maupun pembinaan usaha. Penelitian ini menggunakan pendekatan kualitatif deskriptif melalui metode kajian pustaka (library research), dengan menganalisis literatur dari jurnal ilmiah, buku, laporan lembaga, dan dokumen resmi terkait peran Pegadaian Syariah. Hasil penelitian menunjukkan bahwa Pegadaian Syariah memberikan akses pembiayaan cepat dan sesuai syariah melalui akad rahn, qardh, dan ijarah, serta turut berperan dalam pelatihan dan penguatan kapasitas pelaku UMKM. Selain menjadi penyedia modal, Pegadaian Syariah juga membangun ekosistem ekonomi mikro Islami yang mendorong kemandirian dan keberlanjutan usaha kecil. Temuan ini memberikan makna bahwa Pegadaian Syariah tidak hanya menjalankan fungsi finansial, tetapi juga sosial dan edukatif, sejalan dengan maqashid syariah dalam menjaga harta dan menciptakan kemaslahatan. Penelitian ini merekomendasikan perlunya riset lanjutan berbasis lapangan untuk mengukur dampak langsung terhadap kinerja UMKM secara kuantitatif dan longitudinal.
Usulan Strategi Pengembangan Industri Pengolahan Kelapa Skala IKM di Kabupaten Indragiri Hilir Khairul Ihwan; Nilda Tri Putri; Jonrinaldi
Jurnal Optimasi Sistem Industri Vol. 14 No. 2 (2015): Published in October 2015
Publisher : The Industrial Engineering Department of Engineering Faculty at Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/josi.v14.n2.p227-237.2015

Abstract

The majority of the population in Indragiri Hilir (Inhil) already rely on palm plantations as the main income. They have already sold in the form of coconut oil and copra round with a relatively low price and is unable to provide a decent life. It is increasing because of the low level of productivity of coconut plantations and commercial systems that are less profitable for farmers. While in other areas of the coconut is a commodity that can be processed into a wide range of high-value products with simple technologies that can be done by small and medium industries. So, we need development strategies IKM-scale oil processing industry which is able to increase the income of coconut farmers in the district of Inhil. Based on the results of research conducted by the method of SWOT analysis produced 23 alternative strategies of the development of the SME scale oil processing industry in Kabupaten Inhil ie three strategies from SO, nine strategies from WO, seven strategies from ST, four strategies from WT. Based on the results of the weighting using Analytical Network Process (ANP) on any alternative strategy, Strategy SO-2 namely "Guaranteeing the purchase of products manufactured by the community or the SME by the government and the government must provide the processing industry continued to improve the quality standards that prompted the market to products produced by the community/SME "is a priority under the development strategy of IKM-scale oil processing industry in the District Inhil.
Pemberdayaan Kelompok Pembudidaya Ikan (Pokdakan) Tempuling Madani Jaya dalam Domestikasi Ikan Betutu (Oxyeleotris marmorata) Sebagai Komoditas Budidaya Perikanan Berkelanjutan Syaiful Ramadhan Harahap; Khairul Ihwan; Arief Rachman B; Toni Anggara; Muhammad Arif Aljumadi; Abdul Gani; Gusmanto Gusmanto; Muhammad Thaha
CANANG: Jurnal Pengabdian Masyarakat Vol 5, No 2 (2025)
Publisher : PELANTAR PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52364/canang.v5i2.67

Abstract

This community service program assesses the implementation of Betutu fish (Oxyeleotris marmorata) domestication in the Tempuling District, Indragiri Hilir Regency, as part of a community empowerment program aimed at enhancing local fish farming practices and promoting sustainable aquaculture. The program focused on introducing various technologies, including the use of tarpaulin ponds with a water recirculation system, fish feed formulated from local bycatch and EM4, and digital water quality monitoring. These innovations have successfully increased Betutu fish production by 20%. Additionally, the program introduced digital marketing strategies through social media and e-commerce platforms, resulting in a 20% increase in product sales. Beyond economic benefits, the program also enhanced the technical skills and entrepreneurial capacity of the local fish farming community, thereby strengthening their economic independence and improving social welfare. With efficient production capacity and effective marketing strategies in place, the program is poised for sustainability and offers a solution to the declining Betutu fish population. This initiative serves as a model for community-based technological empowerment that can be replicated in other regions, accelerating local economic development and ensuring long-term societal well-being