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All Journal Jurnal Paradigma JIAN (Jurnal Ilmiah Administrasi Negara) Rangkiang: Journal of Islamic Economics and Business Jurnal Manajemen Bisnis dan Keuangan
Efendi, Erizal Candra
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Humanities Economics, Econometrics & Finance Environmental Science Social Sciences Other

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PERAN BAITUL MAAL SEBAGAI LEMBAGA KEUANGAN MIKRO SYARIAH DALAM MENDUKUNG KEBUTUHAN PEREKONOMIAN MASYARAKAT INDONESIA Efendi, Erizal Candra; Ahmad Wira
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 2 No. 1 (2025): MBisKu, January 2025
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v2i1.987

Abstract

This study analyzes the role of Baitul Maal as a sharia microfinance institution in meeting the economic needs of the community, especially in providing access to financing in accordance with sharia principles. Using qualitative methods, this study found that Baitul Maal plays an important role in improving the economic and social welfare of the community. Baitul Maal not only provides financing solutions for micro, small and medium enterprises (MSMEs) that are not reached by conventional financial institutions, but also contributes to poverty alleviation and the achievement of sustainable development goals (SDGs). However, the study also identified several challenges in program management, such as limited resources and lack of synergy with other Islamic financial institutions. This research recommends strengthening strategic partnerships and innovations in financial products and services to increase the effectiveness of Baitul Maal's role in the future.
The Implementation of Smart Cities in Indonesia: A Literature Study on Technology Based Governance and Public Services Efendi, Erizal Candra; Yulia Ningsih
JIAN (Jurnal Ilmiah Administrasi Negara) Vol. 9 No. 1 (2025): February 2025
Publisher : Universitas Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56071/jian.v9i2.1202

Abstract

The rapid development of Information and Communication Technology (ICT) has driven the implementation of Smart City initiatives in Indonesia as a solution to urban challenges such as congestion, pollution, inefficient governance, and inadequate public services. However, disparities in technological infrastructure and digital literacy remain significant obstacles to equitable Smart City development across regions. This study employs a qualitative research method with a literature review approach to analyze the implementation of Smart Cities in Indonesia. Data were collected from scientific journals, government reports, and case studies from both domestic and international Smart City initiatives. Thematic analysis was used to identify key patterns and trends in governance and technology-based public services. This research aims to explore the challenges, opportunities, and impacts of Smart City implementation in Indonesia, with a focus on governance efficiency and technology-driven public services. It also seeks to provide recommendations for optimizing Smart City strategies. The results indicate that major cities like Jakarta, Bandung, and Surabaya have successfully implemented Smart City frameworks, improving public service efficiency and government transparency. However, rural and small urban areas face challenges such as digital infrastructure gaps, low public engagement, and regulatory weaknesses in data protection and cybersecurity. Despite these challenges, the integration of Smart City technologies has the potential to enhance public participation, optimize resource management, and drive sustainable urban development. The study concludes that successful Smart City implementation in Indonesia requires (1) equitable access to digital infrastructure, (2) enhanced digital literacy programs, (3) strong data protection and cybersecurity regulations, and (4) effective collaboration between the government, private sector, and society. Addressing these aspects will enable Indonesia to develop Smart Cities that are inclusive, efficient, and sustainable for long-term urban transformation
Community Economic Empowerment Through the Syirkah Principle: A Case Study of Farmers in Padang Pariaman Regency Efendi, Erizal Candra; Mustika, Ruri; Hadi, Wildan
Rangkiang: Journal of Islamic Economics and Business Vol. 3 No. 2 (2025): Islamic Economic
Publisher : Denisya Smart Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70072/rangkiang.v3i2.174

Abstract

This study explores the application of the syirkah (partnership) principle as a model for community economic empowerment among farmers in Padang Pariaman Regency, West Sumatra. Rooted in Islamic economic ethics, syirkah emphasizes fairness, transparency, and shared risk between capital providers, farmers, and community leaders. Using a qualitative case study design, data were collected through in-depth interviews, focus group discussions, and participatory observations involving farmer groups, Islamic cooperatives (Baitul Maal wat Tamwil), and local religious figures. The findings reveal that syirkah enhances access to productive capital, increases agricultural yields by 25–30%, and improves household income stability while strengthening social cohesion and mutual trust among participants. The partnership structure fosters ukhuwah iqtishadiyah (economic brotherhood) and fulfills the objectives of maqasid al-shariah by integrating economic welfare with moral responsibility. However, sustainability challenges remain, particularly in financial management skills, market access, and generational continuity. Strengthening institutional literacy, digital integration, and youth participation are therefore crucial for scaling up syirkah-based empowerment. Overall, the study concludes that syirkah serves not only as an Islamic financial instrument but also as a transformative framework that bridges spirituality, cooperation, and sustainable rural development.
Integrasi Prinsip Circular Economy dalam Kebijakan Publik untuk Mewujudkan Tata Kelola Lingkungan Berkelanjutan di Kota Padang Efendi, Erizal Candra; Oktaviane, Diga Putri
Jurnal Paradigma Vol 14, No 2 (2025): JURNAL PARADIGMA
Publisher : Magister Administrasi Publik FISIP Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jp.v14i2.19856

Abstract

Permasalahan utama yang dihadapi Kota Padang dalam pengelolaan lingkungan adalah meningkatnya tekanan terhadap sumber daya alam akibat urbanisasi dan pola konsumsi linear. Penelitian ini bertujuan untuk menganalisis integrasi prinsip circular economy dalam kebijakan publik lingkungan sebagai upaya mewujudkan tata kelola yang berkelanjutan. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan pengumpulan data melalui wawancara mendalam, observasi partisipatif, dan analisis dokumen perencanaan daerah. Hasil penelitian menunjukkan bahwa prinsip circular economy telah mulai diadopsi dalam kebijakan Kota Padang, khususnya pada pengelolaan sampah berbasis 3R dan program bank sampah. Namun, penerapannya masih terbatas, belum merata di seluruh sektor, dan menghadapi hambatan seperti rendahnya kapasitas sumber daya manusia, regulasi yang belum adaptif, serta kurangnya kesadaran masyarakat. Implementasi teknologi dan inovasi sosial terbukti mendukung efektivitas kebijakan, meskipun masih terkendala keterbatasan anggaran. Kesimpulan dari penelitian ini menunjukkan bahwa Kota Padang telah menunjukkan arah positif menuju ekonomi sirkular, namun memerlukan penguatan kebijakan, kolaborasi lintas sektor, dan pemberdayaan masyarakat untuk menciptakan tata kelola lingkungan yang sistemik dan berkelanjutan.
OPTIMIZING HALAL MSME FINANCING THROUGH ARTIFICIAL INTELLIGENCE-BASED SHARIA FINTECH TO INCREASE ECONOMIC INDEPENDENCE Efendi, Erizal Candra; Juniyanti Hsb, Hafni
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 1 (2026): MBisKu, January 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i1.1318

Abstract

This study aims to explore the optimization of halal MSME financing through Sharia-based fintech utilizing Artificial Intelligence (AI) to enhance economic independence. The research employs a qualitative library research method, analyzing literature from academic journals, government reports, and fintech publications related to Sharia-compliant financial technologies. The results indicate that Sharia fintech provides inclusive, ethical, and flexible financing for halal MSMEs through profit-sharing contracts like mudharabah and musyarakah. The integration of AI enhances operational efficiency, risk assessment, and compliance with Sharia principles. Challenges include regulatory gaps, low digital literacy among MSMEs, and ethical concerns regarding AI algorithms. Strategies such as regulatory adaptation, education programs, ethical governance frameworks, and multi-sector collaboration are essential to maximize the benefits of Sharia fintech for MSMEs, strengthening the halal economy and promoting sustainable economic independence.
Co-Authors AHMAD WIRA Hadi, Wildan Juniyanti Hsb, Hafni Mustika, Ruri Oktaviane, Diga Putri Yulia Ningsih