Article Per Year (5 Year)
p-Index From 2021 - 2026
0.92
P-Index
This Author published in this journals
All Journal Journal of Economic, Bussines and Accounting (COSTING) Management Studies and Entrepreneurship Journal (MSEJ) INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Andi Zakaria
Sekolah Tinggi Ekonomi dan Bisnis Islam Batam
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 5 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 5 Documents
Search

 1 
The Role Of Sharia Economics In Community Empowerment And Poverty Alleviation Andi Zakaria
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 6 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i6.7184

Abstract

The sharia economy has become a significant alternative solution in resisting the challenges of community empowerment and poverty alleviation, especially in countries where the majority of the population is Muslim. This study aims to analyze the role of sharia economics in improving community welfare through zakat, infaq, alms, and waqf (ZISWAF) mechanisms, as well as the role of sharia financial institutions in supporting micro, small and medium enterprises (MSMEs). Departing from the background of increasingly complex socio-economic problems faced by modern society, sharia economics offers an ethics and social justice-based approach that not only focuses on profit, but also on common welfare. This study uses a qualitative descriptive method with a literature study approach and secondary data analysis from scientific journals, reports of Islamic financial institutions, and empirical data from sharia-based economic empowerment programs that have been implemented in several countries. The results of the study show that productive zakat and productive waqf have a significant contribution in reducing poverty rates by providing business capital and access to better social services. In addition, Islamic financial institutions such as Baitul Maal wat Tamwil (BMT) play an important role in providing access to financing to small business actors who are not These findings confirm that the sharia economy is not just a theoretical solution, but has also had a real impact in empowering society and encouraging inclusive economic growth. With synergy between the government, financial institutions, and the community, the sharia economy can be the main pillar in creating sustainable and equitable social welfare.
Peran Keuangan Berkelanjutan Dalam Ekonomi Syariah: Analisis Investasi Hijau Pada Industri Halal Fokus: Menganalisis Kontribusi Investasi Ramah Lingkungan Terhadap Pertumbuhan Ekonomi Syariah Global. Andi Zakaria
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 3 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i3.7223

Abstract

Penelitian ini bertujuan untuk menganalisis kontribusi investasi hijau terhadap pertumbuhan ekonomi syariah global, dengan fokus pada industri halal. Latar belakang penelitian ini didasarkan pada kebutuhan mendesak untuk mengintegrasikan prinsip keuangan berkelanjutan dalam praktik ekonomi syariah, sejalan dengan tuntutan global terhadap pembangunan berkelanjutan dan pengurangan dampak lingkungan. Judul ini dipilih karena relevansinya dalam menjawab tantangan globalisasi serta peluang untuk memperkuat posisi industri halal di pasar internasional. Penelitian ini menggunakan pendekatan campuran, yaitu metode kualitatif untuk memahami konsep teoretis investasi hijau berbasis syariah dan metode kuantitatif untuk menganalisis data empiris dari implementasi green sukuk dan green waqf di berbagai negara. Hasil penelitian menunjukkan bahwa negara-negara seperti Malaysia, Indonesia, dan Uni Emirat Arab telah berhasil mengintegrasikan prinsip Environmental, Social, and Governance (ESG) dalam pengembangan industri halal mereka. Temuan ini mengungkapkan bahwa investasi hijau berbasis syariah dapat meningkatkan efisiensi energi, mengurangi emisi karbon, dan memperkuat keberlanjutan rantai pasok industri halal. Penelitian ini juga mengidentifikasi gap regulasi dan kurangnya pemahaman praktisi sebagai hambatan utama, namun kolaborasi antara pemerintah, sektor swasta, dan lembaga keuangan syariah dapat menjadi solusi strategis. Novelti dari penelitian ini terletak pada pendekatan integratif antara prinsip syariah dan ESG, menciptakan model investasi hijau yang sesuai dengan nilai-nilai Islam sekaligus memenuhi standar global. Temuan ini diharapkan dapat menjadi referensi bagi pembuat kebijakan, pelaku industri halal, dan akademisi dalam memperkuat peran ekonomi syariah dalam menciptakan masa depan yang berkelanjutan.
PENGARUH PEMBIAYAAN SYARIAH TERHADAP KEMAJUAN UMKM DI INDONESIA: STUDI EMPIRIS Andi Zakaria
Journal of Economic, Bussines and Accounting (COSTING) Vol. 7 No. 2 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i2.14627

Abstract

UMKM memiliki peran strategis dalam perekonomian Indonesia, namun masih menghadapi berbagai kendala, terutama dalam akses pembiayaan. Pembiayaan syariah hadir sebagai alternatif yang lebih inklusif dengan prinsip keadilan dan berbagi risiko, berbeda dengan skema konvensional yang berbasis bunga. Meski demikian, efektivitas pembiayaan syariah terhadap kemajuan UMKM masih perlu dikaji lebih dalam. Penelitian ini bertujuan untuk menganalisis sejauh mana pembiayaan syariah mampu meningkatkan performa UMKM di Indonesia, baik dari segi omzet, produktivitas, maupun ekspansi usaha. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei pada UMKM yang telah menerima pembiayaan syariah. Data dikumpulkan melalui kuesioner dan wawancara mendalam, kemudian dianalisis menggunakan regresi linier untuk mengukur hubungan antara pembiayaan syariah dan pertumbuhan UMKM. Hasil penelitian menunjukkan bahwa pembiayaan syariah berkontribusi positif terhadap peningkatan omzet dan daya saing UMKM. Selain itu, inovasi digital dalam fintech syariah juga terbukti memperluas akses pembiayaan bagi UMKM di berbagai wilayah. Namun, masih terdapat tantangan dalam implementasi, seperti rendahnya literasi keuangan syariah dan akses yang belum merata. Penelitian ini menegaskan bahwa pembiayaan syariah dapat menjadi pilar utama dalam pemberdayaan UMKM jika didukung dengan kebijakan yang lebih adaptif serta edukasi keuangan syariah yang lebih luas. Dengan temuan ini, penelitian selanjutnya diharapkan dapat menggali lebih dalam tentang peran digitalisasi dan regulasi dalam optimalisasi pembiayaan syariah untuk UMKM.
The Role of Sharia Financial Technology (Fintech) in Increasing MSME’s Financial Access Andi Zakaria
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 6 No. 1 (2025): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v6i1.1223

Abstract

The development of Sharia-based financial technology (Fintech) has significantly improved financial access for Micro, Small, and Medium Enterprises (UMKM) in Indonesia. Many UMKM struggle to secure funding from conventional financial institutions due to collateral and administrative constraints. Sharia Fintech provides an alternative through Sharia-compliant financing models such as peer-to-peer (P2P) lending, crowdfunding, and profit-sharing schemes (mudharabah and musyarakah). This study analyzes the role of Sharia Fintech in expanding UMKM financing using a qualitative descriptive method with a case study approach on several Sharia Fintech platforms in Indonesia. Data was collected through interviews with MSME actors, document analysis, and literature reviews, then analyzed using triangulation for validity. The findings reveal that Sharia Fintech enhances financial accessibility through ease of access, fast fund disbursement, and a flexible financing system. However, challenges remain, including low Sharia financial literacy, regulatory limitations, and digital adoption barriers. Strengthening regulations, enhancing financial education, and optimizing technology use are essential to improving Sharia Fintech’s effectiveness as an inclusive and sustainable MSME financing instrument.
The Role of Sharia Financial Technology (Fintech) in Increasing MSME’s Financial Access Andi Zakaria
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 6 No. 1 (2025): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v6i1.1223

Abstract

The development of Sharia-based financial technology (Fintech) has significantly improved financial access for Micro, Small, and Medium Enterprises (UMKM) in Indonesia. Many UMKM struggle to secure funding from conventional financial institutions due to collateral and administrative constraints. Sharia Fintech provides an alternative through Sharia-compliant financing models such as peer-to-peer (P2P) lending, crowdfunding, and profit-sharing schemes (mudharabah and musyarakah). This study analyzes the role of Sharia Fintech in expanding UMKM financing using a qualitative descriptive method with a case study approach on several Sharia Fintech platforms in Indonesia. Data was collected through interviews with MSME actors, document analysis, and literature reviews, then analyzed using triangulation for validity. The findings reveal that Sharia Fintech enhances financial accessibility through ease of access, fast fund disbursement, and a flexible financing system. However, challenges remain, including low Sharia financial literacy, regulatory limitations, and digital adoption barriers. Strengthening regulations, enhancing financial education, and optimizing technology use are essential to improving Sharia Fintech’s effectiveness as an inclusive and sustainable MSME financing instrument.
Co-Authors