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SHARIA CROWDFUNDING : FUNDING INNOVATION TECHNOLOGY-BASED FOR MSMES Ramadhani, Fitri Setia Okta; Bakri, Hilda; Fitri, Fitri; Hastuty, Ade
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.11440

Abstract

Sharia crowdfunding is an innovation in funding that utilizes technology to provide solutions to the problem of limited access to financing for MSMEs by following sharia principles. This study aims to explore the understanding, how it works, and the economic and strategic benefits of sharia crowdfunding in strengthening MSMEs in the sharia economic environment. The method applied in this study is qualitative descriptive with a literature study approach, where data is collected from various sources such as journals, articles, and relevant documents. The findings of the study indicate that sharia crowdfunding applies various sharia contracts such as mudharabah, musyarakah, and qardh hasan which prioritize justice, transparency, and the principle of being free from exploitation. Several platforms such as Ethis and Investree Syariah have shown the success of this model in increasing financial inclusion and empowering MSMEs. However, there are still challenges such as low sharia financial literacy, lack of digital infrastructure, and regulations that are not yet fully mature that need to be resolved. Therefore, there is a need to be cooperative between various parties in terms of education, strengthening regulations, and developing technology to maximize the potential of sharia crowdfunding as a sustainable and inclusive financing solution for MSMEs in Indonesia
Sales Application Using Point of Sales System Method in Coffee Shop Management System Nurlianti; Ade Hastuty; Mughaffir Yunus; Marlina; Andi Wafiah
Jurnal Vokasi Teknik Informatika Vol 6 No 1 (2026)
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/javit.v6i1.280

Abstract

The development of information technology requires businesses to shift from manual systems to more efficient digital management. However, Mentuangin Coffee still runs sales processes and reports manually, making them prone to errors, delays in data processing, and difficulties in monitoring stock. This condition indicates the need for an integrated sales system that can support operational activities more accurately and structurally. This study aims to design and develop a sales application based on a Point of Sales (POS) system using the PHP programming language as a solution to automate transaction processes, inventory management, and sales reporting. The research methods used include needs analysis, an object-oriented approach, application implementation, and testing using the Black Box method to ensure all functions run according to specifications. The results show that the developed application is able to process transactions, improve recording accuracy, and generate reports in real time