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Perceptions and Practices of Sharia-Based Finance in Post-Pandemic MSMEs: A Qualitative Study in Urban-Rural Areas Nur Ela; Oxy Hendro Prabowo; Muhammad Fadil Himawan; Aldo Hermaya Aditya Nur Karsa
Journal of Village Development Innovation Vol. 2 No. 1 (2025): Journal of Village Development Innovation
Publisher : Journal of Village Development Innovation

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Abstract

The COVID-19 pandemic has affected the financial stability of MSMEs in Indonesia, especially in terms of financial management and access to financing. In the context of post-pandemic economic recovery, sharia-based financial systems are gaining traction as a more ethical and sustainable alternative. This study aims to explore the perceptions and practices of MSMEs towards Islamic finance, by comparing the dynamics in urban and rural areas. This research uses a qualitative approach with a phenomenological method. Informants were purposively selected from MSME players who have used or been exposed to Islamic financial services. Data collection techniques were conducted through in-depth interviews and field observations, and analyzed using the Miles and Huberman thematic model. The results showed that urban MSME players have a higher understanding of sharia principles and are more active in utilizing Islamic financial products, such as murabaha financing and Islamic savings. In contrast, rural MSME players rely more on informal systems based on community trust, and face more access barriers. Differences in motivation, literacy and social context are key factors that influence financial behavior in both regions. In conclusion, Islamic financial inclusion among MSMEs requires a participatory and contextual approach, taking into account local characteristics and structural challenges faced by businesses.
Analysis of The Quality of Public Services In The Manufacture of Identity Cards (KTP) In The Department of Population and Civil Registration of The City of Majalengka Oxy Hendro Prabowo
Journal of Business, Social and Technology Vol. 1 No. 1 (2020): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v1i1.47

Abstract

Public service is the most highlighted thing in any government organization that provides services. One of the public services provided is the making of Identity Card (KTP), as one of the services provided by the government. In this service, the community becomes the most important assessor in knowing the extent of the quality of public services provided by government officials. This paper aims to find out the extent of the quality of public services carried out by the government apparatus to the community. The background of doing this writing is because in terms of the quality of public services, the government apparatus as the implementation of public services is considered less optimal in serving the community. Karna felt less optimal because it takes a long time in the manufacture. The method of writing used is to use qualitative methods through descriptive approaches, by taking the location of writing in the Civil Registration and Population Office of the City of Majalengka, while the key informants in this writing are the Head of the Population and Civil Registration Office of the City of Majalengka, and the Head of Population Coming Field, then the Community on site as the main assessor in the services provided. The data sources used in this writing are primary data and secondary data. The primary data in this writing is obtained from the results of polling and interviews, while secondary data is obtained from other libraries to support the data that has been obtained. Data collection methods used are literature studies, observations, and in-depth interviews. Data analysis is done through data reduction, data display, data verification and inference. In this study the authors used the dimensions of Public Service in Lovelock theory to measure the extent of the quality of public service. The result is (1) Tangible: not optimal enough, (2) Realiable: not enough oprimal, (3) Responsiveness: optimal enough, (4) Assurance: not optimal enough, (5) Empathy: not optimal enough. From the research that researchers did about the Quality of Public Services in the Making of Identity Cards (KTP) in the Office of Population and Civil Registration of the City of Majalengka, it can be concluded that it has not run optimally. Because it takes a long time in the making, which is not in accordance with the promise given by the government.