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Green Finance Based Access to Financing in Islamic Microfinance: A Case Study of the UMi AMBO Program in Padang Seppi Mustion; Aulia Ikhwani; Natasya Amelia Wulandari; Hulwati; Ahmad Wira
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.57269

Abstract

This study aims to analyze access to financing based on green finance, using a case study of the UMi AMBO program. The research employs a qualitative approach, collecting data through interviews, observations, and documentation.  The implementation of green finance program in Padang not only enhances access to financing for micro enterprises but also encourages environmentally friendly business practices. This requires simplification of procedures, improvement in banking service quality, and strengthening of the capacity of micro, small, and medium enterprises. The UMi AMBO financing program has proven effective in supporting microenterprise development and promoting financial inclusion for small business actors. Innovations in the application of green finance-based financing and enhancement of mentoring programs for beneficiaries are necessary. If managed properly, the ultra micro financing can serve as a model for other financial institutions to implement green finance, eliminate predatory lending practices, and empower MSMEs to grow sustainably. It can be concluded that the program is also based on the principles of Islamic economics, such as ‘adl), balance (tawazun), prohibition of usury (riba), social responsibility (maslahah), and profit-and-loss sharing mechanisms. These principles ensure that financing is conducted ethically and sustainably, in alignment with Islamic values and the goals of sustainable economic development.
PEMBERDAYAAN MASYARAKAT MELALUI WAKAF TERNAK AYAM BERDASARKAN ASPEK KELEMBAGAAN DAN MODAL SOSIAL PADA YAYASAN AL ISLAM KOTA PAYAKUMBUH Muhamad Fadhil; Ahmad Wira; Helmalia, Helmalia; Romy Yunika Putra
Jurnal Ekonomi dan Bisnis Vol. 3 No. 6 (2025): JUNI
Publisher : ADISAM PUBLISHER

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Abstract

Community empowerment is an effort carried out through a series of activities to strengthen the empowerment of a weak group in society to achieve a better life. Community empowerment is seen through the institutional aspects of waqf, social capital and productive waqf. The aim of this research is to obtain evidence of community empowerment through chicken livestock waqf based on institutional aspects of waqf and social capital at the Al Islam Foundation in Payakumbuh City. This research uses quantitative methods with the type of field research. Researchers used primary data through observations and questionnaries with total sampling techniques. This research used 35 samples for questionnaires which were analyzed using the SEM – PLS method. The results obtained in this research are that institutions do not have a significant influence on productive waqf, while social capital has a significant influence on productive waqf. Waqf institutions have a significant influence on community empowerment and social capital has a significant influence on community empowerment. The influence of waqf institutions on community empowerment through productive waqf for chicken farming does not have a significant effect. The influence of social capital on community empowerment through productive chicken farming endowments does not have a significant effect. The influence of productive waqf on community empowerment does not have a significant effect.
Optimalisasi Teknologi Financial Intelligence dalam Deteksi dan Pencegahan Fraud di Fintech Syariah Erizal Candra Efendi; Irwandi Jaswir; Ahmad Wira; Aidil Novia
Istithmar Vol. 9 No. 1 (2025): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v9i1.1997

Abstract

Fintech syariah telah menjadi solusi inovatif dalam menyediakan layanan keuangan berbasis syariah, namun tantangan terkait fraud masih menjadi perhatian utama. Artikel ini bertujuan untuk mengeksplorasi optimalisasi teknologi Financial Intelligence (FI) dalam mendeteksi dan mencegah fraud di sektor fintech syariah. Melalui kajian literatur, ditemukan bahwa teknologi seperti big data, kecerdasan buatan (AI), dan pembelajaran mesin memiliki kemampuan untuk menganalisis pola transaksi secara real-time dan mendeteksi aktivitas mencurigakan yang bertentangan dengan prinsip syariah. Meskipun demikian, implementasi teknologi FI menghadapi kendala, seperti kualitas data yang rendah, keterbatasan literasi digital pengguna, kompleksitas penyesuaian algoritma dengan prinsip syariah, serta kurangnya regulasi yang memadai. Penelitian ini menggunakan metode studi kepustakaan untuk menganalisis literatur relevan dari berbagai jurnal, buku, dan laporan terkait. Hasil penelitian menunjukkan bahwa FI memiliki potensi signifikan dalam menciptakan ekosistem fintech syariah yang aman dan sesuai syariah, asalkan kendala diatasi melalui kolaborasi multidisiplin dan penguatan regulasi.