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Remi Kartina
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Economics, Econometrics & Finance Engineering

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Penguatan Usaha Kecil Berbasis Ekonomi Islam Untuk Peningkatan Kesejateraan Ekonomi Masyarakat Desa Tanjung Dalam Kabupaten Bengkulu Tengah Remi Kartina; Reni Indriani; Marini
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 1 (2024): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

Kegiatan ini bertujuan untuk melakukan Penguatan usaha kecil berbasis ekonomi islam untuk meningkatkan kesejateraan ekonomi masyarakat di Desa Tanjung Dalam, Kecamatan Pondok Kubang, Kabupaten Bengkulu Tengah. Sosialisasi dilaksanakan pada 27 Agustus 2024 dalam salah satu agenda kegiatan KKN kelompok 31. Hasil kegiatan menunjukkan bahwa, 1. Kurangnya manajemen yang efektif secara keseluruhan, kegiatan dirancang untuk memberikan pemahaman mendalam kepada peserta tentang manajemen usaha yang efektif, penerapan prinsip ekonomi syariah, serta teknik-teknik untuk mengelola stres finansial. 2. Akses Terbatas, berdasarkan rangkaian kegiatan ini, diharapkan peserta memperoleh pemahaman yang mendalam tentang cara mengelola usaha dengan efektif, penerapan prinsip ekonomi syariah, serta teknik-teknik untuk mengelola stres finansial. 3. Tekanan ekonomi yang terus meningkat memberikan dampak positif dalam pengelolaan usaha dan kesehatan mental peserta. Meskipun ada tantangan dalam penyediaan dukungan lanjutan, hasil yang dicapai menunjukkan potensi besar dari program ini untuk meningkatkan kapasitas dan kesejahteraan pelaku Usaha Mikro Kecil dan Menengah (UMKM) di desa tersebut.
The Resilience of Sharia Microfinance Institutions in Post-Pandemic Recovery: A Case Study of BMTs in Rural Java Remi Kartina
Economy and Finance Enthusiastic Vol. 1 No. 2 (2023): July-December
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/efe.v1i2.651

Abstract

The COVID-19 pandemic created serious economic disruption for micro, small, and medium enterprises in Indonesia, particularly in rural communities with limited access to formal banking services. This study examines the resilience of Sharia microfinance institutions, specifically Baitul Maal wa Tamwil (BMT), in supporting post-pandemic recovery in rural Java. Using a qualitative descriptive approach, data were collected through semi-structured interviews with 15 participants, direct observation at selected BMT offices, and documentation from institutional reports, meeting notes, and local media sources from 2020 to 2022. The findings reveal that BMTs maintained their institutional functions through repayment restructuring, emergency social financing, community-based communication, and the reinforcement of Islamic values. Flexible repayment schemes helped members avoid permanent default, while zakat, infaq, sadaqah, and qard al-hasan supported vulnerable members during periods of economic hardship. The study also shows that social capital, trust, and religious legitimacy were central to BMT resilience. However, BMTs continued to face challenges related to problematic financing, limited digital infrastructure, staff workload, and weak access to external liquidity. This study concludes that BMT resilience is shaped by the interaction of social, religious, and institutional capacities. Strengthening BMTs requires not only financial support, but also improvements in digital systems, governance, human resources, and risk management.
Co-Authors Marini Reni Indriani