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All Journal Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal At-Tamwil: Kajian Ekonomi Syariah JIMEK
Najwa Nabila
Universitas Islam Negeri Sumatera Utara
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Health Professions Public Health Social Sciences

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DAMPAK UMKM ASAM GLUGUR TERHADAP KESEJAHTERAAN RUMAH TANGGA PELAKU USAHA DI DUSUN V KINANGKUNG, DESA PASAR X, KECAMATAN KUTALIMBARU, DELI SERDANG, SUMATERA UTARA Najwa Nabila; Dini Anggraini; Aldyansah Arrahman Rianto; Sigit Bahuraksa; Raissa Amanda Putri
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 6 (2025): Vol. 6 No. 6 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i6.55234

Abstract

Penelitian ini bertujuan untuk menelaah peran UMKM asam glugur dalam mempengaruhi kesejahteraan ekonomi rumah tangga pelaku usaha di Dusun V Kinangkung, Desa Pasar X, Kecamatan Kutalimbaru, Deli Serdang, Sumatera Utara. UMKM yang bertumpu pada pemanfaatan komoditas lokal dinilai memiliki peran penting dalam memperkuat ketahanan ekonomi rumah tangga masyarakat pedesaaan melalui optimalisasi sumber daya yang tersedia d wilayah tersebut. Penelitian ini menerapkan pendekatan kualitatif dengan metode studi kasus untuk menggali secara mendalam pengalaman subjektif pelaku UMKM. Data dikumpulkan melalui wawancara mendalam, observasi lapangan, dan dokumentasi, kemudian dianalisis menggunakan model Miles dan Huberman yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa UMKM asam glugur memberikan kontribusi positif terhadap peningkatan pendapatan rumah tangga dan berperan sebagai sumber penghidupan utama yang relatif berkelanjutan. Selain dampak ekonomi, keberadaan usaha ini juga memperkuat ketahanan ekonomi keluarga dalam menghadapi ketidakpastian ekonomi. Namun demikian, pelaku usaha masih menghadapi sejumlah kendala, seperti ketergantungan pada kondisi cuaca, keterbatasan lahan produksi, dan belum optimalnya pemanfaatan pemasaran digital. Temuan penelitian ini menegaskan bahwa UMKM berbasis komoditas lokal tidak hanya berfungsi sebagai aktivitas ekonomi, tetapi juga sebagai strategi bertahan hidup rumah tangga pedesaan yang memerlukan dukungan kebijakan dan pendampingan berkelanjutan.
Pemikiran Ekonomi Abu Ubaid: Kontribusinya Terhadap Konsep Keadilan dan Distribusi dalam Ekonomi Islam Lathifah Ananda Putri; Najwa Nabila; Ruli Pebrina br. Sitepu; Septian Dwi Cahya; Vany Fadillah Bastian; Fitri Hayati
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 2 (2025): Juli : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i2.6190

Abstract

Abu Ubaid’s economic thinking, particularly in the context of wealth distribution and social justice, provides important insights for the management of Islamic economics. Through his work Kitab al-Amwal, Abu Ubaid emphasizes the role of the state in distributing the wealth of the people fairly and the obligation of individuals to pay zakat and sedekah. His thinking that focuses On equity, transparency, and accountability in wealth management remains relevant amidst the challenges of global economic inequality. Abu Ubaid’s ideas on social justice and wealth distribution provide guidance in building a more equitable and sustainable economic system.
Analysis of Customers’ Perceptions and Understanding of the Implementation of Hybrid Contracts in Financing Products Offered by Bank Syariah Indonesia Najwa Nabila; Tuti Anggraini; Rahmi Syahriza
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9861

Abstract

Purpose – This study aims to analyze the implementation of hybrid contracts as well as customers’ perceptions and understanding of the contract structure in Bank Syariah Indonesia (BSI) financing products. Design/Methods/Approach – This study employs a qualitative approach using a case study model. Primary data were obtained through in-depth interviews with four customers using financing products based on hybrid contracts, namely Murabahah bi al-Wakalah, Ijarah Muntahiyah bi at-Tamlik (IMBT), Musyarakah Mutanaqisah (MMQ), and a combination of Rahn, Qardh, and Ijarah. The study also involved one key informant from the bank’s gold pawn service. Data were analyzed using the Miles and Huberman interactive model through data reduction, data presentation, and conclusion drawing. Findings – The results of the study indicate that the implementation of hybrid contracts generally proceeds in accordance with the mechanisms described at the outset of the contract. Customers’ understanding of the structure and interrelationships among the contracts varies. Some customers better understood practical aspects, such as transaction value, payments, product benefits, and costs, while their understanding of the functions and relationships between the contracts was not yet fully developed. Customer perceptions tended to be positive, particularly regarding ease of use, transparency, convenience, fairness, and compliance with Sharia principles. Research Implications/Limitations – The findings indicate the need to strengthen contract literacy through simple, systematic, and educational communication. The study was limited to four informants and the BSI region in Medan and its surrounding areas. Originality/Value – This study contributes by comparing customers’ perceptions and understanding of several forms of hybrid contracts in Sharia financing practices, particularly the differences between practical understanding of products and structural understanding of the functions and relationships between contracts.
Co-Authors Aldyansah Arrahman Rianto Dini Anggraini Hayati, Fitri Lathifah Ananda Putri Rahmi Syahriza Raissa Amanda Putri Ruli Pebrina br. Sitepu Septian Dwi Cahya Sigit Bahuraksa Tuti Anggraini Vany Fadillah Bastian