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Ilhami Nasution, Muhammad lathief
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Computer Science & IT Economics, Econometrics & Finance

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Journal : Moneter : Jurnal Keuangan dan Perbankan

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Islamic Economic-Based Home Industry Development Strategy Using SOAR Analysis Purba, Febri Andriawan; Yanti, Nursantri; Ilhami Nasution, Muhammad lathief
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study aims to analyze the development strategy of home industries based on Islamic economics using the SOAR (Strengths, Opportunities, Aspirations, and Results) analysis approach, with a case study on the rattan basket business in Kualuh Selatan District. The rattan basket home industry has significant economic potential due to its foundation in local wisdom and alignment with Islamic economic principles such as justice, blessing, and collective welfare. This research uses a qualitative method with data collected through literature reviews and direct interviews with local craftsmen. The findings indicate that the main strengths of the business lie in the availability of raw materials and the skills of the artisans, while opportunities include increasing market demand and government support. The result is this business relies on traditional skills and local raw materials, and makes a significant economic contribution to the surrounding community. However, various obstacles remain, such as limited capital, traditional equipment, and limited market access. Using the SOAR (Strengths, Opportunities, Aspirations, Results) analysis approach, this study shows that internal strengths such as artisan skills and abundant raw materials can be combined with external opportunities such as government support and digital marketing. The aspiration to improve product quality, expand employment opportunities, and introduce modern technology are the main drivers for this business’s development.
MSME Development Strategy Through Sharia Fintech Inclusion in Deli Serdang Indrawan Lubis, Putri Salsabila; Nurbaiti; Ilhami Nasution, Muhammad lathief
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study focuses on evaluating the strategies employed to foster the growth of Micro, Small, and Medium Enterprises (MSMEs) through sharia fintech inclusion in Deli Serdang Regency. Using a descriptive qualitative approach and data collection techniques in the form of interviews and observations of MSME players, this study reveals the low level of literacy and adoption of sharia fintech even though this area has a majority Muslim population and has great potential in the development of Islamic finance. The results show This study concludes that the level of inclusion and literacy of Islamic fintech among MSMEs in Deli Serdang Regency remains relatively low. Although the potential for Islamic fintech use is significant, understanding of the basic concepts, principles of sharia, and benefits of Islamic fintech is not yet evenly distributed. Islamic fintech plays a crucial role in supporting transaction efficiency, financial record-keeping, and market expansion for MSMEs. However, obstacles such as low digital financial literacy and limited access to technology remain major challenges. The strategy for developing Islamic fintech-based MSMEs in Deli Serdang needs to encompass an educational approach, technological assistance, and cross-sector collaboration. Islamic financial literacy, strategic partnerships with Islamic fintech platforms, optimization of Islamic social funds (ZISWAF), and the development of a halal ecosystem are strategic steps that require comprehensive and sustainable development.
Co-Authors Indrawan Lubis, Putri Salsabila Nurbaiti Nursantri Yanti Purba, Febri Andriawan