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All Journal Cakrawala Repositori Imwi Journal of Village Development Innovation
Himawan, Muhammad Fadil
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Economics, Econometrics & Finance Environmental Science

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jvdi.v2i1.8

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.
Pelayanan Publik Desa dalam Perspektif Tata Kelola Pemerintahan Desa: Studi Kasus Desa Cibeureum Kecamatan Caracas Himawan, Muhammad Fadil; Nendi, Ikhsan; Fazri, Abdul Robi; Sudrajat, Ajat
Cakrawala Repositori IMWI 48-55
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

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Abstract

Penelitian ini bertujuan untuk mendeskripsikan dan menganalisis pelaksanaan pelayanan publik di Desa Cibeureum, Kecamatan Caracas, Kabupaten Kuningan. Penelitian menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara dengan perangkat desa dan masyarakat, serta dokumentasi. Analisis data dilakukan secara tematik untuk menggambarkan kondisi empiris pelayanan desa. Hasil penelitian menunjukkan bahwa pelayanan desa meliputi administrasi kependudukan, penerbitan surat keterangan, perizinan sederhana, serta fasilitasi layanan sosial dasar. Pelayanan dilaksanakan secara langsung di kantor desa dengan prosedur yang relatif sederhana dan mudah diakses oleh masyarakat. Namun demikian, kualitas pelayanan masih menghadapi kendala berupa keterbatasan sumber daya manusia, belum optimalnya pemanfaatan teknologi informasi, serta dominasi sistem pelayanan manual. Implikasi temuan ini menunjukkan bahwa penguatan kapasitas aparatur desa dan pengembangan sistem pelayanan yang lebih efektif, transparan, dan responsif sangat diperlukan untuk meningkatkan kualitas tata kelola desa serta menjamin pemenuhan hak dasar masyarakat secara lebih optimal. Penelitian ini menyimpulkan bahwa pelayanan desa memiliki peran penting dalam menjamin tertib administrasi dan pemenuhan hak dasar masyarakat.
Co-Authors Ajat Sudrajat Ela, Nur Fazri, Abdul Robi Karsa, Aldo Hermaya Aditya Nur Nendi, Ikhsan Prabowo, Oxy Hendro