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All Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) AL-IKTISAB: Journal of Islamic Economic Law
Mikhral Rinaldi
STAIN Teungku Dirundeng Meulaboh
Economics, Econometrics & Finance Education

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Persepsi Inovasi Produk Pembiayaan Syariah dan Minat Mengakses Bank Syariah: Studi Survei Pendahuluan di Desa Meureubo, Aceh Barat Nurul Fajriatul Muqhni A; Muliza Muliza; Mikhral Rinaldi
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 3 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i3.33803

Abstract

This pilot survey examines perceptions of Islamic financing product innovation and intention to access Islamic banking among residents of Meureubo Village, West Aceh, Indonesia. A cross-sectional descriptive-exploratory design was used. A five-point Likert questionnaire was administered to 20 respondents (10-24 June 2025) who were users or prospective users of Islamic financing. Constructs covered perceived process ease, variety of contracts/schemes, need-fit, value-fit, self-reported contract understanding, socialization/information exposure, and intention. Results indicate positive perceptions: all respondents agreed that the products are easy to understand and fit needs and Islamic values. Intention was high; 90% reported that innovation increases their interest in using Islamic banking. However, 70% identified limited outreach/socialization as a barrier, and 30% were neutral about simpler application procedures. The findings suggest that product innovation should be accompanied by communication innovation—contract literacy, community-based outreach, and simulations—to translate interest into actual access. As a pilot, results map priority indicators for larger studies.
Implementation of Wakalah wal Murabahah Financing in Improving the Quality of Life of Underprivileged Women Fera Ananda; Yoni Hendarawan; Mikhral Rinaldi; Darlin Rizki
AL-IKTISAB: Journal of Islamic Economic Law Vol. 9 No. 2 (2025): AL-IKTISAB: Journal of Islamic Economic Law, Vol. 9 No. 2 November 2025
Publisher : University of Darusssalam Gontor

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Abstract

Although Islamic microfinance institutions adopt wakalah and murabahah contracts to empower underprivileged women, challenges remain regarding their conformity with sharia principles, members’ limited understanding of the contracts, and difficulties in the joint liability mechanism. This research aims to examine the implementation of the wakalah and murabahah contracts within the Islamic microfinance scheme applied by Koperasi Mitra Dhuafa (KOMIDA) Meulaboh branch, as well as their impact on the economic empowerment of underprivileged women. This research employed a qualitative approach with a case study design at KOMIDA Meulaboh. Data were collected through interviews, participatory observation, and document analysis, and subsequently analyzed using the Miles and Huberman model, which consists of data collection, reduction, presentation, and conclusion drawing. The validity of the data was ensured through source and method triangulation. The findings reveal that the implementation of wakalah and murabahah contracts at KOMIDA Meulaboh generally adheres to sharia principles, although in practice certain dynamics affect their conformity. The financing process extends from member recruitment to loan repayment, with several technical adjustments that have implications for the contractual form. Nevertheless, this financing scheme has been proven to increase income, strengthen microenterprises, and empower underprivileged women, despite limited understanding of the contracts and challenges in the joint liability mechanism. These contracts have the potential to serve as instruments of empowerment, however, their effectiveness largely depends on sustained mentoring, Islamic financial education, and compliance with fiqh muamalah principles.
Co-Authors Fera Ananda Muliza Muliza Nurul Fajriatul Muqhni A Yoni Hendarawan