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All Journal Edukasi Islami: Jurnal Pendidikan Islam SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Saparuddin Siregar
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara
Education Social Sciences Other

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Performance Analysis of Sharia Banking Using The Educatian Prism Method: Case Study Pt. Bank Muammalat Sumatera Utara Atika Atika; Saparuddin Siregar; Sugianto Sugianto
Edukasi Islami : Jurnal Pendidikan Islam Vol 12, No 01 (2023): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v12i01.4264

Abstract

Using the performance prism method, this study aims to determine and analyze the performance of Islamic banking at PT. Bank Muammalat. The Performance Prism method is a performance measurement model that depicts organizational performance as a three-dimensional shape (prism) with five sides. This model considers satisfaction, stakeholder contribution, process, and company capability in addition to strategy. This is a quantitative study with a descriptive approach. The results showed that PT. Bank Muamalat performance is already good, as evidenced by the overall Total Index value of 6.2331. Whereas a score of 6-7 indicated that the resulting performance was good according to the provisions of the OMAX Achievement Target.
FINANCIAL INCLUSION OF MSMES THROUGH SHARIA CROWDFUNDING Bunga Dwi Fani Ritonga; Saparuddin Siregar; Maryam Batubara
SOSIOEDUKASI Vol 14 No 4 (2025): SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/sosioedukasi.v14i4.6896

Abstract

This study aims to analyze the development of Islamic crowdfunding as an alternative financing instrument for Micro, Small, and Medium Enterprises (MSMEs) and its challenges in strengthening financial inclusion within Indonesia’s Islamic economic ecosystem. The research focuses on examining the dynamics of Sharia-based crowdfunding platforms, their regulatory framework, the implementation of Sharia principles, and the challenges faced by MSMEs in accessing digital financing. A qualitative approach was employed through in-depth interviews with academics, practitioners, and Islamic finance experts, supported by secondary data from industry reports, OJK regulations, and relevant literature. Data were analyzed using the Miles and Huberman interactive model, consisting of data reduction, data display, and conclusion drawing. The findings show that Islamic crowdfunding has grown significantly as a response to the limited access of MSMEs to formal financial institutions. Platforms such as Ammana and Santara play an important role in facilitating Sharia-compliant financing through profit-sharing contracts such as mudharabah and musyarakah. National statistics indicate strong market growth, with Sharia-based securities crowdfunding accounting for 52.1% of total SCF funding in 2024. However, several challenges persist, including low Sharia literacy, limited digital skills among MSMEs, regulatory inconsistencies, and gaps in technological infrastructure. The study concludes that Islamic crowdfunding contributes meaningfully to MSME financial inclusion and supports the expansion of Indonesia’s Islamic economic sector. To optimize its impact, stronger regulatory harmonization, continuous literacy programs, technological improvement, and stakeholder collaboration are required to enhance trust, accessibility, and Sharia compliance.
Co-Authors Atika Atika Bunga Dwi Fani Ritonga Maryam Batubara Mustofa Kamal Ahmad Sagala Sugianto Sugianto