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All Journal Center of Knowledge Islamiconomic: Jurnal Ekonomi Islam
Abdi, Yudistira
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Implementation of Sharia Financial Products for MSMEs in Medan: Perspectives of Entrepreneurs and Financial Institutions Abdi, Yudistira; Chandra, Andriana Alnazhira; Rokan, Mustafa Kamal; Sani, Imaduddin
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 16, No 2 (2025): (On Process)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.989

Abstract

This study examines the role of sharia financial products in supporting MSMEs in Medan, the challenges encountered, and potential solutions for optimization. Using a qualitative case study with 12 informants, data were gathered through in-depth interviews, field observations, and document analysis. The findings show that MSMEs’ understanding and acceptance of sharia financial products remain limited due to low literacy and a preference for conventional finance. Key challenges include complex procedures, restricted access, weak product innovation, and insufficient regulatory support at the local level. To address these barriers, the study proposes strengthening financial literacy education, developing innovative products tailored to micro-enterprises, enhancing digital infrastructure, and encouraging collaboration among government, financial institutions, and business communities. The novelty of this research lies in its dual perspective, integrating insights from both MSME actors and Islamic financial institutions, which is rarely examined in prior studies. This dual lens provides a more holistic understanding of the interaction between demand and supply in sharia finance. The study contributes to the Islamic economics literature by presenting the unique case of Medan, while offering policy implications that emphasize localized literacy strategies, regulatory reforms, and innovation to achieve inclusive and competitive sharia finance aligned with maqasid al-shariah.
Peningkatan Kapasitas Masyarakat dalam Mengelola Media Sosial Untuk Mendukung Pariwisata Berkelanjutan di Desa Bukit Lawang Kecamatan Bahorok Nst, Abdul Halim; Hendra, Hendra; Putra, San; Gunawan, Hadi; Abdi, Yudistira; Chandra, Andriana Alnazhira
Center of Knowledge : Jurnal Pendidikan Dan Pengabdian Masyarakat Volume 5 Nomor 2 Agustus 2025 | IN PRESS
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/cok.v5i2.2865

Abstract

Desa Bukit Lawang, Kecamatan Bahorok, merupakan destinasi ekowisata unggulan yang memiliki potensi alam, budaya, dan konservasi orangutan, namun promosi pariwisata belum optimal karena keterbatasan kapasitas digital masyarakat. Kegiatan pengabdian ini bertujuan meningkatkan keterampilan masyarakat dalam mengelola media sosial guna mendukung pariwisata berkelanjutan. Penelitian menggunakan pendekatan kualitatif deskriptif dengan model Participatory Action Research (PAR) yang melibatkan 50 peserta dari Pokdarwis, pelaku usaha wisata, pemuda, dan perangkat desa yang dipilih secara purposive. Kegiatan meliputi identifikasi masalah, pelatihan pengelolaan media sosial, pendampingan pembuatan konten, serta evaluasi melalui observasi, wawancara, dan dokumentasi. Hasil menunjukkan media sosial berperan strategis dalam memperluas promosi, meningkatkan interaksi dengan wisatawan, dan memperkuat branding desa. Tantangan utama adalah keterbatasan keterampilan teknis, kurangnya konsistensi unggahan, dan minimnya pemahaman etika digital. Strategi optimal berupa kombinasi pelatihan, pendampingan, dan kolaborasi komunitas yang terbukti meningkatkan keterampilan sekaligus partisipasi masyarakat. Novelty penelitian ini terletak pada integrasi konsep pariwisata berkelanjutan dengan strategi promosi digital berbasis komunitas, sehingga masyarakat berperan aktif sebagai subjek dalam pengelolaan identitas digital destinasi. Model ini dapat direplikasi di desa wisata lain sebagai praktik pemberdayaan digital untuk mendukung pariwisata berkelanjutan.
Co-Authors Chandra, Andriana Alnazhira Hadi Gunawan, Hadi Hendra Hendra Nst, Abdul Halim Putra, San Rokan, Mustafa Kamal Sani, Imaduddin