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All Journal Juni-Jurnal Pelita Nusa Jurnal Istimā, Jurnal Pengabdian kepada Masyarakat: Inklusi Sosial dan Pemberdayaan Masyarakat
Cahyati, Lisna
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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ANALISIS PROSEDUR PEMBIAYAAN MUDHĀRABAH UNTUK MODAL USAHA STUDI KASUS PADA BANK MUAMALAT KANTOR CABANG PADALARANG BANDUNG BARAT Cahyati, Lisna; Solihin, Dadin; Maryati
Jurnal Pelita Nusa Vol 5 No 1 (2025): Juni-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i1.224

Abstract

The phenomenon that occurs in the community shows that some business actors are reluctant to apply for business capital loans to Islamic banks. This is due to the lack of public knowledge about financing procedures in Islamic banks, so they tend to choose other financial institutions that are considered easier and instant without considering future risks. This study aims to comprehensively analyze business capital financing procedures in Islamic banks to increase public understanding of sharia-based business capital financing. The focus of the research is directed at the Mudārabah financing procedure, which includes the stages of planning, implementation, process, and evaluation of its implementation. This study uses a qualitative approach with the researcher as the main instrument, assisted by interview guidelines and observation guidelines. Data were collected through interviews, observations, and documentation, and tested for validity with source triangulation techniques. Data analysis is carried out through four stages, namely data collection, data reduction, data presentation, and conclusion. The results of the study show that overall, the Mudhārabah financing procedure at Bank Muamalat Padalarang Branch Office is in accordance with existing theory, in line with the principles of sharia economics, and in accordance with the provisions of Islamic law.
KETAHANAN EKONOMI PADA MASA PANDEMI DI KAMPUNG CIKALAPA, DESA RAJAMANDALA KULON, KECAMATAN CIPATAT, KABUPATEN BANDUNG BARAT `Agustina Rahayu, Resti; Elmania Rahayu, Elmania; Nursafitri, Gita; Dwi Utari, Destriana; Cahyati, Lisna; Sapitri, Neng; Rahmawati, Nuraida; Elsa Novita Wardani, Elsa; Aulia, Retania; Imaroh Nusaibah, Siti Ummu; Solihin, Dadin
Jurnal Istimā Vol 1 No 2 (2024): Jurnal Istimā - Jurnal Pengabdian kepada Masyarakat: Inklusi Sosial dan Pemberday
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) – Sekolah Tinggi Agama Islam (STAI) Pelita Nusa Bandung Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpkm.v1i2.151

Abstract

This research was initially motivated by a community service program aimed at understanding the economic resilience of village communities during the pandemic. The study examines the development of the village, the understanding of Islamic economics in economic activities, the community's awareness, and the role of the social institution "Karang Taruna" in the village. The purpose of this research is to gain a deeper understanding of the village's economic resilience. The research methodology employed is qualitative-descriptive, involving observations, interviews, and a comprehensive review of theoretical references. The findings reveal that many economic activities in the village have already adopted macroeconomic principles, with small and medium enterprises (SMEs) such as garment production and brick manufacturing. However, in terms of economic support, such as capital loans, the community still relies on conventional financial institutions. The conclusion drawn from the findings is that the village residents have not yet been able to contribute optimally to the community during the COVID-19 pandemic. Penelitian ini bermula dari motivasi program kuliah kerja nyata untuk memahami ketahanan perekonomian masyarakat desa selama pandemi. Riset ini mengkaji perkembangan desa, pemahaman ekonomi syariah dalam aktivitas ekonomi, tingkat pemahaman masyarakat, serta peran lembaga sosial “Karang taruna” di desa tersebut. Tujuan penelitian ini adalah untuk menggali lebih dalam tentang ketahanan perekonomian desa. Metode penelitian yang digunakan adalah kualitatif-deskriptif melalui observasi, wawancara, dan kajian literatur komprehensif. Hasil penelitian menunjukkan bahwa banyak kegiatan ekonomi di desa telah menggunakan prinsip-prinsip ekonomi makro, seperti usaha kecil menengah (UMKM) di bidang konveksi dan produksi batu bata. Namun, untuk mendukung perekonomian, seperti dalam hal pinjaman modal, masyarakat masih bergantung pada lembaga keuangan konvensional. Kesimpulannya, kontribusi ekonomi masyarakat desa belum optimal dalam menghadapi situasi pandemi COVID-19.
Co-Authors Aulia, Retania Dwi Utari, Destriana Elmania Rahayu, Elmania Elsa Novita Wardani, Elsa Imaroh Nusaibah, Siti Ummu Maryati Nursafitri, Gita Rahmawati, Nuraida Sapitri, Neng Solihin, Dadin `Agustina Rahayu, Resti