Ariyanti, Yulia Dewi
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Sharia Crowdfunding as a Source of Funding for Halal Creative Industries in Indonesia Ariyanti, Yulia Dewi; Dwi Novaria Misidawati; Syifa Rohmah
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 4, No 1 Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

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Abstract

The halal creative industry is growing in Indonesia, driven by the increasing demand for sharia-based products and services. One of the main challenges of this industry is the limited access to funding sources that comply with sharia principles. Islamic crowdfunding comes as an alternative solution that allows the community to contribute to the funding of halal creative industry projects collectively. This research uses the literature review method to analyze the concept, implementation, and challenges of sharia crowdfunding as a source of funding for the halal creative industry. Data is obtained from relevant journals, articles, books, and research reports. The analysis was carried out with a qualitative descriptive approach to understand the sharia crowdfunding mechanism and its impact on the halal creative industry. The results showed that Islamic crowdfunding has great potential in supporting the halal creative industry by providing access to financing based on the principles of justice, transparency, and profit sharing (mudharabah and musyarakah). However, the main challenges in its implementation include low Islamic financial literacy among the public, regulations that are still developing, and the risk of fraud and default. Supervision from sharia authorities as well as the development of stricter regulations are needed to increase the trust and effectiveness of this system. Islamic crowdfunding is an innovative solution for funding halal creative industries that can increase the inclusiveness of the Islamic economy. It is recommended that there should be wider Islamic financial education and more comprehensive regulatory support so that this financing model can develop optimally and sustainably.
Peningkatan Mutu Sumber Daya Manusia pada Pembangunan Masyarakat dan Pertumbuhan Ekonomi Desa Harjosari Ariyanti, Yulia Dewi
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 2, No 2 November 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

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Tujuan pada penelitian ini yaitu untuk melihat bagaimana potensi sumber daya manusia mempengaruhi pertumbuhan dan perkembangan desa Harjosari. Data utama dan sekunder yang digunakan dalam penelitian ini dikumpulkan dengan menggunakan teknik penelitian kualitatif deskriptif. Di lokasi penelitian, observasi digunakan untuk mengumpulkan data primer. Teknik analisis data yang digunakan untuk data sekunder, yang dikumpulkan dari beberapa artikel jurnal yang berkaitan dengan masalah penelitian, adalah analisis isi dari sumber-sumber literatur. Temuan-temuan ini menunjukkan bahwa tingkat pertumbuhan ekonomi suatu negara, baik yang tinggi maupun yang rendah dapat digunakan untuk mengukur kinerja pembangunan ekonomi desa tersebut. Pembangunan ekonomi dapat menumbuhkan kesejahteraan, yang pada gilirannya dapat mempercepat laju pertumbuhan ekonomi. Pembangunan masyarakat dan pertumbuhan ekonomi sangat erat kaitannya satu sama lain. Pendidikan adalah elemen penting dari investasi sumber daya manusia.