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All Journal SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL ManBiz: Journal of Management and Business
Maryam Batubara
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara
Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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FINANCIAL INCLUSION OF MSMES THROUGH SHARIA CROWDFUNDING Bunga Dwi Fani Ritonga; Saparuddin Siregar; Maryam Batubara
SOSIOEDUKASI Vol 14 No 4 (2025): SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/sosioedukasi.v14i4.6896

Abstract

This study aims to analyze the development of Islamic crowdfunding as an alternative financing instrument for Micro, Small, and Medium Enterprises (MSMEs) and its challenges in strengthening financial inclusion within Indonesia’s Islamic economic ecosystem. The research focuses on examining the dynamics of Sharia-based crowdfunding platforms, their regulatory framework, the implementation of Sharia principles, and the challenges faced by MSMEs in accessing digital financing. A qualitative approach was employed through in-depth interviews with academics, practitioners, and Islamic finance experts, supported by secondary data from industry reports, OJK regulations, and relevant literature. Data were analyzed using the Miles and Huberman interactive model, consisting of data reduction, data display, and conclusion drawing. The findings show that Islamic crowdfunding has grown significantly as a response to the limited access of MSMEs to formal financial institutions. Platforms such as Ammana and Santara play an important role in facilitating Sharia-compliant financing through profit-sharing contracts such as mudharabah and musyarakah. National statistics indicate strong market growth, with Sharia-based securities crowdfunding accounting for 52.1% of total SCF funding in 2024. However, several challenges persist, including low Sharia literacy, limited digital skills among MSMEs, regulatory inconsistencies, and gaps in technological infrastructure. The study concludes that Islamic crowdfunding contributes meaningfully to MSME financial inclusion and supports the expansion of Indonesia’s Islamic economic sector. To optimize its impact, stronger regulatory harmonization, continuous literacy programs, technological improvement, and stakeholder collaboration are required to enhance trust, accessibility, and Sharia compliance.
Analisis Dampak Covid-19 pada Volume Transaksi Saham dan Harga Saham: Studi Kasus Pada Kelompok Perusahaan Transportasi yang Terdaftar di BEI Tahun 2020 Siska Br Perangin-angin; Nelsi Agustina Siburian; Rivaldi Ahmad Nst; Maryam Batubara
ManBiz: Journal of Management and Business Vol. 3 No. 1 (2024): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v3i1.585

Abstract

The reason for this study was to decide the effect of Coronavirus on stock exchange volume and stock costs. The object of this exploration is a gathering of transportation organizations recorded on the Indonesia Stock Exchange in 2020. The populace in this study is 42 transportation organizations. What's more, the example utilized is upwards of 20 organizations. This study utilizes optional information. The information examination strategy utilized in this exploration is elucidating subjective information examination method. The consequences of this study demonstrate that the volume of stock exchanges and costs impacted by the COVID-19 pandemic diminished, upwards of three organizations, including area, air and ocean transportation, which encountered a decay. What's more, that accomplished an increment upwards of 4 organizations, remembering ocean transportation organizations and land transportation organizations for delivery administrations.
Co-Authors Bunga Dwi Fani Ritonga Nelsi Agustina Siburian Rivaldi Ahmad Nst Saparuddin Siregar Siska Br Perangin-angin