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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) Laa Maisyir Jurnal Ekonomi Islam JSEH (Jurnal Sosial Ekonomi dan Humaniora) Falah : Jurnal Ekonomi Syariah Tansiq: Jurnal Manajemen dan Bisnis Islam KEUNIS Al-Mustashfa Law and Justice Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics al-Afkar, Journal For Islamic Studies QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JESI (Jurnal Ekonomi Syariah Indonesia) JCRS (Journal of Community Research and Service) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ecoment Global: Kajian Bisnis dan Manajemen LAN TABUR: Jurnal Ekonomi Syari’ah Journal of Sustainable Community Development (JSCD) el-Jizya: Jurnal Ekonomi Islam Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Journal of Islamic Economics and Business Jurnal Ekonomi Syariah Indonesia Jurnal Riset Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah LAN TABUR: JURNAL EKONOMI SYARIAH Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Popon Srisusilawati
Universitas Islam Badung
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Implementasi Akad Ijarah dalam Praktik Sewa Lahan Sawah dengan Sistem Pembayaran Setelah Panen Adieb Hilal Hamdala; Popon Srisusilawati; Neng Dewi Himayasari
Jurnal Riset Ekonomi Syariah Volume 6, No. 1, Juli 2026 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v6i1.9954

Abstract

Abstract. Rice field leasing with a post-harvest payment system is a common agricultural practice in Buntu Village, Ligung District, Majalengka Regency. This study aims to examine the implementation of rice field leasing practices and analyze them from the perspective of Islamic law, particularly the ijarah contract. This research employs a qualitative method using normative-juridical and empirical approaches. Data were collected through interviews, observation, and documentation and analyzed descriptively based on fiqh muamalah theory. The results show that the leasing practice constitutes an ijarah contract because it involves the utilization of agricultural land by tenant farmers in exchange for an agreed rental payment. From the perspective of Islamic law, the practice fulfills the pillars and conditions of ijarah, including contracting parties, object of contract, rental payment, and consent expression. Although the rent is paid after harvest, the practice remains permissible as long as the rental value is clearly determined at the beginning and not tied to harvest yield. Abstrak. Praktik sewa-menyewa sawah dengan sistem pembayaran setelah panen merupakan bentuk muamalah yang berkembang di masyarakat Desa Buntu Kecamatan Ligung Kabupaten Majalengka. Penelitian ini bertujuan untuk mengetahui praktik sewa sawah tersebut serta menganalisisnya dari perspektif hukum Islam, khususnya akad ijarah. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan yuridis normatif dan empiris melalui pengumpulan data berupa wawancara, observasi, dan dokumentasi yang dianalisis secara deskriptif-analitis berdasarkan teori fikih muamalah. Hasil penelitian menunjukkan bahwa praktik sewa sawah di Desa Buntu merupakan akad ijarah karena terdapat pemanfaatan lahan oleh petani penggarap dengan imbalan sewa yang disepakati. Ditinjau dari hukum Islam, praktik tersebut telah memenuhi rukun dan syarat akad ijarah baik dari aspek subjek akad, objek akad, ujrah, maupun sighat akad.
MODEL KESIAPAN PEMERINTAH DAERAH DAN EKOSISTEM KEUANGAN SYARIAH DALAM PEMBENTUKAN KOPERASI MERAH PUTIH BERBASIS LEMBAGA KEUANGAN MIKRO SYARIAH: STUDI KASUS DI PROVINSI JAWA BARAT Popon Srisusilawati; Yayat Rahmat Hidayat; Mohamad Andri Ibrahim; Nanik Eprianti; Raditya Gantari Ahmad Riyadi; Muawia Y.I. Alzamli
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.418

Abstract

Transformasi Koperasi Desa/Kelurahan Merah Putih merupakan salah satu kebijakan strategis pemerintah dalam memperkuat ekonomi kerakyatan melalui pengembangan koperasi yang modern, inklusif, dan berkelanjutan. Keberhasilan implementasi kebijakan tersebut tidak hanya bergantung pada pembentukan kelembagaan koperasi, tetapi juga pada kesiapan pemerintah daerah serta dukungan ekosistem keuangan syariah, khususnya Lembaga Keuangan Mikro Syariah (LKMS). Penelitian ini bertujuan menganalisis kesiapan pemerintah daerah dan ekosistem keuangan syariah di Provinsi Jawa Barat dalam mendukung transformasi Koperasi Merah Putih berbasis LKMS melalui aspek regulasi, sumber daya manusia, dan infrastruktur keuangan syariah. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus. Data diperoleh melalui wawancara mendalam, observasi, dan studi dokumentasi terhadap pemerintah daerah, pengelola koperasi, pengelola LKMS, akademisi, serta pemangku kepentingan terkait. Analisis data dilakukan menggunakan model interaktif Miles, Huberman, dan Saldaña yang meliputi reduksi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa keberhasilan transformasi Koperasi Merah Putih dipengaruhi oleh tiga faktor utama, yaitu kesiapan regulasi, kompetensi sumber daya manusia, dan ketersediaan infrastruktur keuangan syariah. Regulasi yang adaptif memberikan kepastian dalam implementasi kebijakan, SDM yang kompeten meningkatkan profesionalisme pengelolaan koperasi, sedangkan infrastruktur digital dan akses pembiayaan syariah memperkuat efektivitas pelayanan koperasi. Selain itu, kolaborasi antara pemerintah daerah, LKMS, perguruan tinggi, dunia usaha, dan masyarakat menjadi faktor penting dalam membangun ekosistem koperasi yang modern dan berkelanjutan. Penelitian ini menghasilkan model transformasi Koperasi Merah Putih berbasis LKMS yang dapat menjadi rekomendasi bagi pemerintah daerah dalam memperkuat implementasi kebijakan koperasi berbasis ekonomi syariah.
Assessing Customer Satisfaction in Islamic Rural Banks: An Importance-Performance Analysis of BPRS Amanah Bangsa Yayat Rahmat Hidayat; Popon Srisusilawati; Nanik Eprianti; M. Andri Ibrahim
Journal of Islamic Economics and Business Vol. 5 No. 1 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i1.48319

Abstract

This study measures customer satisfaction at BPRS Amanah Bangsa using Importance-Performance Analysis (IPA). While previous research has mainly examined Islamic commercial banks, this study extends the application of IPA to Islamic rural banks, offering micro-level insights into service quality attributes often overlooked in the literature. Results show an average conformity level of 106.47% and a Customer Satisfaction Index (CSI) of 66.24%, indicating customers are generally satisfied. However, gaps remain in promotional tools, service responsiveness, and customer data privacy. The findings contribute by highlighting critical service areas for improvement in BPRS and demonstrating the applicability of IPA in strengthening the competitiveness of small-scale Islamic financial institutions.
Toward Net Zero: Islamic Financial Innovation in The Carbon Economy Nanik Eprianti; Mohamad Andri Ibrahim; Popon Srisusilawati; Yayat Rahmat Hidayat
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.2787

Abstract

Green finance has gained significant momentum in recent years, but its alignment with Islamic finance principles remains under-explored, particularly in the context of carbon pricing and carbon trading mechanisms. This is illustrated by the fact that climate change has prompted the global community to adopt various strategies, including the development of carbon market mechanisms. Exploring the potential of the carbon market as an effective tool in reducing greenhouse gas emissions, while considering the principles of Islamic finance. This study aims to develop Sharia-based sustainable financial instruments as a strategy to address the impacts of climate change through the utilization of the carbon market.  This research method uses a qualitative approach that combines bibliometric analysis, policy document reviews, and expert interviews. This study identifies critical gaps in the integration of Islamic finance with carbon market mechanisms and the design of sustainable financial instruments that comply with Sharia principles. This study uses a qualitative approach with a descriptive-exploratory method. A qualitative approach is used to understand in depth the concepts, phenomena, and characteristics of Islamic financial instruments and how they can be implemented in the carbon market. The findings show that Islamic finance has great untapped potential to mobilize ethical capital and share risks for climate-friendly projects, especially in Muslim-majority countries and emerging economies. Nevertheless, regulatory standardisation, sharia governance frameworks, and investor education remain key challenges that must be addressed to enhance the scalability and credibility of such instruments. By bridging the gap between Islamic finance and carbon economy strategies, this study contributes to the growing discourse on green Islamic finance and offers practical policy recommendations to strengthen the role of Islamic financial institutions in achieving both national and global net-zero targets.
Pendampingan Pemilihan Portofolio Keuangan Syariah bagi Ibu PKK Kelurahan Kadungora Kecamatan Kadungora: Guidance in Selecting Sharia Financial Portfolio for PKK Women in Kadungora Village, Kadungora District Yayat Rahmat Hidayat; Nanik Eprianti; Popon Srisusilawati; Mohamad Andri Ibrahim
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 11 No. 6 (2026): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v11i6.10498

Abstract

The problem is that people still save in savings-and-loan cooperatives through arisan, which often ends in fraud. This is due to a lack of public knowledge and understanding of the types of Sharia financial products, and a lack of awareness of how to check financial portfolios that hold OJK permits, which contributes to the lack of public interest in using Sharia financial products. The community still has limited information about Sharia financial products. Therefore, to increase understanding and increase the use of sharia financial portfolios for the community in Kadungora village, it is necessary to assist the selection of sharia financial portfolios for PKK mothers who represent the Kadungora community. The purpose of this study is to provide the community, through PKK mothers, with knowledge about Sharia financial portfolio literacy and the benefits of Sharia financial portfolios in Kadungora Village. Mentoring activities using an innovative literacy approach are among the factors that support the Partner's goal, namely, increasing knowledge in Kadungora Village and increasing community interest in using sharia financial portfolios, thereby positively impacting the development of the sharia economy. The method in mentoring PKK mothers is by contacting and establishing cooperation with the village head in Kadungora village, then conducting an approach with a survey to Kadungora village, then gathering PKK mothers and providing an overview of mentoring activities, as well as providing literacy mentoring to PKK mothers about various types of sharia financial portfolios and the benefits, and how to calculate the profit of a sharia financial portfolio.
MEMBANGUN EKOSISTEM KEUANGAN SYARIAH UNTUK PEMBERDAYAAN UMKM: PERSPEKTIF COLLABORATIVE GOVERNANCE Jiwa Riwayanti; Gina Sofia Rahman; Suci Rahmadani; Popon Srisusilawati
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.453

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam perekonomian Indonesia, namun masih menghadapi keterbatasan akses pembiayaan, rendahnya literasi keuangan, lemahnya kapasitas administratif, serta belum terintegrasinya program pemberdayaan. Keuangan syariah memiliki potensi untuk mengatasi permasalahan tersebut melalui integrasi pembiayaan komersial dan sosial yang berorientasi pada keadilan, kemitraan, dan pemberdayaan. Penelitian ini bertujuan menganalisis pengembangan ekosistem keuangan syariah bagi pemberdayaan UMKM melalui perspektif collaborative governance serta merumuskan model ekosistem yang mengintegrasikan peran para pemangku kepentingan. Penelitian menggunakan pendekatan kualitatif deskriptif dengan data sekunder yang bersumber dari dokumen kebijakan, laporan institusi, dan literatur akademik. Data dianalisis menggunakan content analysis berdasarkan empat dimensi collaborative governance, yaitu starting conditions, institutional design, facilitative leadership, dan collaborative process. Hasil penelitian menunjukkan bahwa Indonesia telah memiliki kapasitas kelembagaan, regulasi, dan instrumen keuangan syariah yang relatif memadai, tetapi implementasinya masih menghadapi fragmentasi program, kesenjangan informasi dan kapasitas antaraktor, lemahnya integrasi data, serta belum optimalnya koordinasi dan evaluasi bersama. Pemerintah perlu menjalankan peran sebagai regulator, fasilitator, dan orchestrator yang menghubungkan lembaga keuangan syariah, lembaga sosial Islam, akademisi, komunitas, dan UMKM. Model yang dihasilkan mengintegrasikan fungsi pembiayaan, penguatan kapasitas, dan pemberdayaan serta mendorong mekanisme transisi UMKM dari pembiayaan sosial menuju pembiayaan komersial. Ekosistem keuangan syariah berbasis collaborative governance berpotensi memperluas akses pembiayaan sekaligus memperkuat kapasitas, kemandirian, dan keberlanjutan UMKM.
Implementasi Undang-Undang Nomor 33 Tahun 2014 Tentang Jaminan Produk Halal terhadap Sertifikasi Halal Umkm di Kota Bandung Muhammad Rafli Akbar; Popon Srisusilawati; Neng Dewi Himayasari
Bandung Conference Series: Sharia Economic Law 41-48
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.23987

Abstract

Abstract. Halal product assurance is a form of legal protection provided by the government to ensure that Muslim consumers obtain certainty regarding the halal status of products. The government has simplified the halal certification process for Micro and Small Enterprises (MSEs) through the self-declare mechanism regulated under Law Number 33 of 2014 concerning Halal Product Assurance, as amended by Law Number 6 of 2023 concerning Job Creation. However, many MSEs have not yet obtained halal certificates. This study aims to analyze the implementation of the Halal Product Assurance Law on halal certification for MSEs in Bandung City and to identify the supporting and inhibiting factors in its implementation. This research employed an empirical juridical approach using qualitative methods. Data were collected through interviews, observations, documentation, and literature studies. The findings indicate that the implementation of halal certification through the self-declare mechanism has simplified the certification process for MSEs, but its implementation has not been fully effective. The main obstacles include limited understanding among business actors regarding certification procedures, insufficient government outreach, limited availability of Halal Product Process Assistants (P3H), and low legal awareness among MSEs. Supporting factors include simplified certification procedures, free halal certification for eligible MSEs, and government support through the Halal Product Assurance Organizing Agency (BPJPH). Therefore, improving public outreach, assistance, and inter-agency coordination is necessary to optimize the implementation of halal certification policies. Abstrak. Jaminan produk halal merupakan salah satu bentuk perlindungan hukum yang diberikan negara kepada masyarakat, khususnya konsumen muslim, agar memperoleh kepastian mengenai kehalalan produk yang dikonsumsi. Pemerintah telah memberikan kemudahan bagi pelaku Usaha Mikro dan Kecil (UMK) melalui mekanisme self-declare sebagaimana diatur dalam Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal sebagaimana telah diubah dengan Undang-Undang Nomor 6 Tahun 2023 tentang Cipta Kerja. Namun, dalam pelaksanaannya masih banyak pelaku UMKM yang belum memiliki sertifikat halal. Penelitian ini bertujuan untuk mengetahui implementasi UndangUndang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal terhadap pelaksanaan sertifikasi halal UMKM di Kota Bandung serta mengetahui faktor-faktor yang mendukung dan menghambat implementasinya. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan yuridis empiris. Data diperoleh melalui wawancara, observasi, dokumentasi, dan studi kepustakaan. Hasil penelitian menunjukkan bahwa implementasi kebijakan sertifikasi halal melalui mekanisme self-declare telah memberikan kemudahan bagi pelaku UMKM, namun pelaksanaannya belum berjalan secara optimal. Hambatan yang ditemukan antara lain masih rendahnya pemahaman pelaku usaha mengenai prosedur sertifikasi halal, kurangnya sosialisasi dari pemerintah, keterbatasan pendamping proses produk halal (P3H), serta rendahnya kesadaran hukum pelaku usaha. Adapun faktor pendukung implementasi kebijakan ini meliputi adanya penyederhanaan prosedur sertifikasi, pembiayaan sertifikasi halal gratis bagi UMK, serta dukungan pemerintah melalui Badan Penyelenggara Jaminan Produk Halal (BPJPH). Oleh karena itu, diperlukan peningkatan sosialisasi, pendampingan, dan koordinasi antarinstansi agar implementasi kebijakan sertifikasi halal dapat berjalan lebih efektif.
Co-Authors 10010321023, Risma Junita Khaerunnisa A dliya wahyuni Adieb Hilal Hamdala Adinda Putri Anggareini Aisyah Shohwatul Islam Aisyah Shohwatul Islam Akbar S, Torik Alfariedza Vania Zhafira Alisya Aulia Rusmana Amila Vindi Oktaviana Anggelia Nurfitria Anisa Fitria Annisa Indrawati Anshori, Arif Rijal Anya Aurellya Asep Ramdan Hidayat Asri Dara Binekas Atih Rohaeti Dariah Ayu Tuty Utami Azka Dara Syahrani Cecep Soleh Kurniawan Cecep Soleh Kurniawan D. Gandana Madjakusumah Deden Gandana Madjakusumah Delia Dwiyanti Hasanah Diana Rusdianawati Diandra Nur Afifah Azzahra Elisa Siti Widyastuti Eva Fauziah Eva Misfah Bayuni Fahmi Fatwa Rosyadi Satria Hamdani Faisa Azmi Firjatullah Farha Ratu Sabila Fawzi, Ramdan Fayza Ikhrom Febriadi, Sandy Rizki Fitri Oktaviani Fitriana Wulandari Zulkarnaen Ghefira Faiza Azzahra Ghina Syifa Agustina Gina Sofia Rahman Habibi Nurul Yaqin Hana Khairunnisa Himayasari, Neng Dewi Ibrahim, Mohamad Andri Ibrahim, Mohammad Andri Ikrima Azkury Nabella Ilham Mujahid Imelda Putri Intan Nurrachmi Irma Yulita Silviany Irma Yunita Silviany Isfi Rizka Pitsyahara Ivan Wahyudi Iwan Permana Jessinta Shilva Bintan Namita Jiwa Riwayanti Kurniawan, Cecep Soleh Lia Yulia lia yulia Malik, Zaini Maman Surahman Maulida, Ira Siti Rohmah Milka Nurul Fauziah Moh Ramdhan Rizalussani Mohamad Andri Ibrahim Mohamad Andri Ibrahim Mohammad Andri Ibrahim Muawia Y.I. Alzamli Muchammad Oki Sudarman Muhammad Amidan As Syakir Muhammad Arya Naufal Saleh Muhammad Gandhi Darmawan Muhammad Rafli Akbar Muhammad Rifqy Prabowo Mustika, Rita Mutiara Olencia Indra Nadya Az-Zahra Nadya Az-zahra Nandang Ihwanudin Nandang Ihwanudin Nanik Eprianti Neli Erlianti Nendiarti Juniar Neneng Hasanah Neneng Nurhasanah Neng Dewi Himayasari Neng Dewi Himayasari Nur Fadilah Sukmawardani Nur Hamidah, Siti Aulia Nurfitria, Anggelia Nymas Mu’nisah Anggraeni OKTAVIA, REZA Panji Adam Agus Putra Permana, Iwan Prasetyo, Salma Nabila Putri Diani Hardianti Putri, Imelda Raden Rahma Raijani Raditya Gantari Ahmad Riyadi Rahmadani, Yunifa Rahmah, Luni Nur Randi Ganjar Rani, Asni Mustika Ratih Tresnati Redi Hadiyanto Redi Hadiyanto Reyhan Maharis Fadilah Reyhan Maharis Fadilah Reza Fauzia Tarende Reza Naftali Rahmayosa Rihhadatull 'Aisy, Raisa Adila Rima Karnipa Agusti Riska Ariani Siregar Risma Mustika Fajaria Rita Mustika Rois, Yovanka Graciela Rosyidah, Fairuz Syifa Sabarina Irbah Safira Muthia Rosyid Salma Hayfa Victoria Sartika Herawati Selly Eriska Selva Selfia Ginanjar Shakila Carisya Tsania Siregar, Ariani Siska Lis Sulistiani Siti Karomah Nuraeni Siti Rosiyana Dewi Siti, Elisa Sri Devi, Sri Suci Rahmadani Syifa Tahany, Tahany Tiara Deasy Nurfitriani Sumarwan Tiara Marliana Tiara Marliana Tiya Rissa Kamila Tiya Rissa Kamila Torik Akbar S. Tri Ambarwati Vina Fazri Aryani Wahyudi, Ivan Wijayanti, Intan Manggala Winda Widya Rahma Yayat Rahmat Hidayat Yayat Rahmat Hidayat Yulita Silviany, Irma Yusup, Akhmad Zaini Abdul Malik Zea Fauziah Zia Firdaus Nuzula