Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Journal of Village Development Innovation Journal of Agricultural Economy and Technology Development
Himawan, Muhammad Fadil
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Environmental Science

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
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.
Development of Sekarwangi Coffee as a Superior Product in Cibeureum Village, Kuningan Regency: A Study of Potential, Production Process, and Local Economic Value Himawan, Muhammad Fadil; Robi Padri, Abdul; Gian Al-Farizi, Muhammad
Journal of Agricultural Economy and Technology Development Vol. 3 No. 2 (2026): Journal of Agricultural Economy and Technology Development
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jaetd.v3i2.58

Abstract

Background: Coffee is one of the plantation commodities that plays a strategic role in strengthening rural economies. Cibeureum Village, Kuningan Regency, has local coffee potential developed by the Sekarwangi Coffee MSME. However, evidence on how a village-scale coffee MSME links local raw materials, on-site processing, and community economic benefits remains limited.Objective: This study aims to analyze the potential of Sekarwangi Coffee in terms of raw materials, production processes, and its contribution to local economic empowerment.Method: This research employs a qualitative descriptive approach through field observations, interviews with MSME actors, and documentation studies. Key informants (the MSME owner and production workers) were selected purposively, and the data were analyzed interactively with source and technique triangulation.Results: The results indicate that Sekarwangi Coffee utilizes raw materials from highland areas with distinctive flavor characteristics and is managed through a simple yet quality-oriented production process. The presence of Sekarwangi Coffee MSME contributes to increasing the added value of local coffee commodities, creating employment opportunities, and strengthening the economic identity of Cibeureum Village. Processing comprises sorting, drying, roasting, grinding, and packaging using simple equipment, while marketing remains concentrated on local consumers.Conclusion: Sekarwangi Coffee retains coffee value within the village by converting local beans into a ready-to-consume product. This study is expected to serve as a reference for developing local potential-based MSMEs and enhancing the competitiveness of village coffee products at the regional level. Village government and extension services should therefore prioritize processing standardization and market access.
Co-Authors Ela, Nur Gian Al-Farizi, Muhammad Karsa, Aldo Hermaya Aditya Nur Prabowo, Oxy Hendro Robi Padri, Abdul