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All Journal Margin : Journal of Islamic Banking ICONS
Awal Habibah
UIN Sulthan Thaha Saifuddin Jambi
Economics, Econometrics & Finance

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ANALISIS PENGELOLAAN TERINTEGRASI UANG SEWA PADA PASAR MILIK BUMDES DALAM MENINGKATKAN PENDAPATAN KAS DESA PERSPEKTIF EKONOMI SYARIAH Erlyana Rahayu. S; Habriyanto; Awal Habibah
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3251

Abstract

The activity of renting stalls is one of the activities that can be found in the community, especially in the market. The aim of this thesis is to find out about 1. the implementation of market rent management based on autonomy, Nevertheless, several aspects require further review, including an examination of the procedures that need to be implemented and those that have yet to be executed, such as the revenue component derived from renting market stalls Where managers need to demonstrate decisiveness in their decision-making 2. Increasing village cash income from integrated principles and 3. The impact of market rent management in increasing village cash income.             The results of the research found that 1. The implementation of market rent management based on autonomy has gone well, 2. The increase in village treasury income from integrated principles has not gone well because there has been a 20% decrease in income. 3. There are several obstacles to the impact of managing market rents in increasing village cash income, namely as many as 59% of traders make payments negligently for various reasons, which continuously results in a decrease in Mentaro Island village cash income.  The Sharia Economic review of the rental payments for Bumdes' Thursday Market stalls is that there are discrepancies with the initial agreement and irresponsibility (trust). Economic actors are not allowed to pursue personal gain if this harms other people.
PERAN PERBANKAN SYARIAH DALAM MENINGKATKAN KEWIRAUSAHAAN BAGI USAHA MIKRO DI MUARO BUNGO (Studi Pada Bank Syariah Indonesia KCP Muaro Bungo) Biesriani Biesriani; Arsa Arsa; Awal Habibah
MARGIN: Journal of Islamic Banking Vol 5 No 1 (2025): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v5i1.3085

Abstract

This research aims to determine and analyze the role of Sharia banking in increasing micro business entrepreneurship in Muaro Bungo, describe the obstacles and solutions of Bank BSI KCP Muaro Bungo in increasing entrepreneurship for micro businesses in Muaro Bungo, and find out and analyze Islamic views regarding sharia banking in increasing entrepreneurship for micro businesses in Muaro Bungo. The research method used is a qualitative descriptive approach, with data collection techniques through interviews, observation, and documentation. The results of the study show that BSI KCP Muaro Bungo has a strategic role in three forms of financing, namely: (1) sharia working capital financing, such as the provision of funds for business capital, stock of goods, and employee salaries; (2) sharia investment financing in the form of investment and rental of capital goods; and (3) consumptive financing to support business operations, such as vehicles and work tools through purchase and sale contracts, hire purchases, and cooperation. The obstacles faced include limited collateral, high risk in financing returns, and low public understanding of the Islamic financial system. The solutions implemented include the use of government financing programs, business potential assessments, and public education. The Islamic view on Shariat banking in enhancing entrepreneurship is based on Al-Quran, Sunnah, and ijtihad, by emphasizing the principles of justice, transparency, and blessings, as well as avoiding the practice of usury, ambiguity of contracts, and prohibited businesses.
Co-Authors Arsa Arsa Biesriani Biesriani Erlyana Rahayu. S Habriyanto