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All Journal Al-Muhasib: Journal of Islamic Accounting and Finance
Mohammad H. Holle
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Economics, Econometrics & Finance Social Sciences

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DETERMINATION OF SHARIA FINANCING SCHEMES IN THE MARINE AND FISHERIES SECTOR IN MALUKU Shalihah, Mar'atun; Deny Yarusain Amin; Mohammad H. Holle; Gadissifah A. Nur Bella
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 4 No. 2 (2024)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/al-muhasib.v4i2.1872

Abstract

This study aims to identify and determine an appropriate Sharia-compliant financing scheme that meets the needs of the marine and fisheries sector in Maluku. Given this sector's significant potential to support the regional economy, it still faces challenges in accessing financing. The study uses the Analytic Hierarchy Process (AHP) and the Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS). The analysis results indicate that the five main criteria in selecting Sharia financing schemes are profitability, risk, Sharia compliance, accessibility, and social impact. Through TOPSIS, mudharabah and musyarakah financing schemes were identified as the best alternatives meeting these criteria. The study also found that business actors in Maluku’s marine and fisheries sector still require improved financial literacy in Sharia finance to fully leverage existing financing opportunities. Sharia financing schemes such as qardh hasan and ijarah are also deemed essential, especially to support small and medium enterprises (SMEs) needing low-risk capital access. This study is expected to contribute to the development of the marine and fisheries sector in Maluku by promoting more effective and sustainable use of Sharia-compliant financing schemes.
FINANCIAL INCLUSION OF THE ISLANDS REGION: CREATING A POVERTY-FREE SOCIETY Mohammad H. Holle; Abdul Rauf Wajo; La Ode Masri; Dewi Fatmala Umagap
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 4 No. 1 (2024)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/al-muhasib.v4i1.1921

Abstract

Abstract: This study aims to examine the financial inclusion program in the Indonesian archipelago and its impact on poverty alleviation. This study uses a descriptive qualitative research method by reviewing the real lives of people living in the archipelago in Indonesia using secondary sources related to the single problem of this study, namely financial inclusion in the archipelago as an effort to free people from the trap of poverty as the goal of the SDGs. Access indicators are the main focus of this study. This study found that financial inclusion programs targeting people living in the archipelago in Indonesia are not optimal. The causes are the lack of socialization of financial inclusion, literacy and inclusion targets that are still limited to urban communities, geographical constraints, limited transportation, and of course the lack of financial institution infrastructure, both banks and non-banks, both formal and informal, which makes people in the archipelago lose access. Abstrak: Penelitian ini bertujuan untuk mengkaji program inklusi keuangan di kepulauan Indonesia dan dampaknya terhadap pengentasan kemiskinan. Penelitian ini menggunakan metode penelitian kualitatif deskriptif dengan mengkaji kehidupan nyata masyarakat yang tinggal di daerah kepulauan di Indonesia dengan menggunakan sumber-sumber sekunder yang berkaitan dengan masalah tunggal penelitian ini, yaitu inklusi keuangan di daerah kepulauan sebagai upaya membebaskan masyarakat dari jerat kemiskinan sebagai tujuan SDGs. Indikator akses menjadi fokus utama dalam penelitian ini. Studi ini menemukan bahwa program inklusi keuangan yang menyasar masyarakat yang tinggal di daerah kepulauan di Indonesia belum optimal. Penyebabnya adalah kurangnya sosialisasi inklusi keuangan, target literasi dan inklusi yang masih terbatas pada masyarakat perkotaan, kendala geografis, transportasi yang terbatas, dan tentu saja minimnya infrastruktur lembaga keuangan, baik bank maupun non-bank, baik formal maupun informal, yang membuat masyarakat di daerah kepulauan tidak memiliki akses.
Co-Authors Abdul Rauf Wajo Deny Yarusain Amin Dewi Fatmala Umagap Gadissifah A. Nur Bella La Ode Masri Shalihah, Mar'atun