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All Journal Society: Jurnal Pengabdian Masyarakat At-Tahdzib: Jurnal Studi Islam dan Muamalah TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah
Syafiul Umam
STIES BABUSSALAM
Religion Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Empowerment of UP2K Cadres through the Sharia Financial Literacy Program as an Effort to Strengthen MSMEs in Sajen Village, Pacet District, Mojokerto Regency Husen, Mohamad Nur; Ahmad, Zakiyyah Ilma; Shiddiq, Jafar; Wahid, Abdul; Umam, Syafiul; Maulana, Kevin; Nasirin, Muhammad Khoirun
Society : Jurnal Pengabdian Masyarakat Vol. 4 No. 6 (2025): November
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/0jz4zf10

Abstract

The Student Creativity Program (PKM) aims to empower Family Income Improvement Enterprise (UP2K) cadres through a sharia financial literacy program to strengthen the capacity of Micro, Small, and Medium Enterprises (MSMEs). Problems faced by MSMEs at the village level are often related to a lack of understanding of financial management, particularly in the context of sharia finance that aligns with the religious values ​​of the local community. Through an educational and participatory approach, this activity involves training, mentoring, and a simple application-based sharia financial recording simulation. Implementation methods include needs mapping, developing a sharia financial literacy module, training cadres of the Sajen Village UP2K, and monitoring and evaluating the impact on strengthening the fostered MSMEs. The results of the activity show a significant increase in the cadres' understanding of sharia financial concepts and practical financial recording skills. This program is expected to become a sustainable empowerment model that encourages economic independence based on sharia values ​​at the grassroots level.
The Paradigm of the Musharakah Mutanaqishah Contract: Between Theory and Practice Umam, Syafiul; Ahmad, Zakiyyah Ilma; Santoso, Muhammad Syafi'i Budi; Abidin, Ahmad Zainul
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/4fz1fm58

Abstract

Background. The Musyarakah Mutanaqishah (MMQ) contracts have become one of the leading products in the global Islamic Banking industry, especially for financing long-term assets such as property, vehicles, and as a refinancing scheme. Aim. Its partnership-based concept is considered to better represent the principles of fairness and risk-sharing than debt-based contracts. However, in its implementation, various challenges and debates have arisen regarding the compatibility of the theoretical framework in Islamic jurisprudence with practices in Islamic financial institutions (IFIs). Methods. This qualitative research aims to examine the theoretical paradigm of the MMQ contract, analyze its practical application in Indonesian Islamic Banking, and identify potential gaps between the two. Using a literature review and field study approach through document analysis and in-depth interviews with practitioners, this study found that while conceptually MMQ offers a true partnership scheme, its practice often exhibits tendencies closer to lease-based (ijarah) or debt-based (murabahah) financing models. Results. Gap This seen the more clear in application refinancing scheme, the structure of which can cause debate jurisprudence related ban on bai’ al-’inah. Gaps This identified in aspects ownership assets, mechanisms distribution risks and benefits, as well as structure contract dual (hybrid contract). Implications touch aspect sharia compliance, protection consumers, and challenges regulation. Research This recommend the need strengthening framework regulation, innovation more products substantial, as well as improvement literacy for practitioners and clients for ensure MMQ implementation in line with maqashid sharia.
Co-Authors abdul wahid Abdul Wahid Abidin, Ahmad Zainul Ahmad, Zakiyyah Ilma Al Azhar, M Farid Dimyati Dimyati habibi, rakhmaan Hidayati, Nur Laily husen, mohamad nur Lailatul Fauziyah, Farah Laili, Miftasari Nurul Maulana, Kevin muhammad nasiruddin Muhammad Nur Husen Nadlifah, Unun Nasirin, Muhammad Khoirun Nasiruddin, Muhammad Santoso, Muhammad Syafi'i Budi Shiddiq, Jafar Syahni, Ahmad Ulul Albab Zuhdi, Choirurrohman