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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Jurnal Perbankan Syariah Indonesia (JPSI) International Journal of Economics, Management and Accounting
Silviawati, Selly
Unknown Affiliation
Arts Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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ANALISIS PERAN LEMBAGA KEUANGAN MIKRO SYARIAH DALAM MENINGKATKAN AKSES LAYANAN KEUANGAN MASYARAKAT Novita Sari, Rasidah; Lailatul Vitriyah, Nurul; Tresna Aristhantia, Isti; Silviawati, Selly; Pujiati, Ani
Jurnal Perbankan Syariah Indonesia (JPSI) Vol. 4 No. 2 (2025): September
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jpsi.v4i2.282

Abstract

Penelitian ini bertujuan untuk menyelidiki peran Lembaga Keuangan Mikro Syariah (LKM Syariah) dalam memperluas kesempatan akses keuangan bagi populasi di wilayah tertentu. Metodologi yang digunakan adalah pendekatan kualitatif dengan pengumpulan data melalui wawancara mendalam, pengamatan, dan analisis dokumen dari pengelola serta nasabah LKM Syariah. Hasil dari penelitian ini menunjukkan bahwa LKM Syariah memiliki peranan penting dalam memperbaiki akses keuangan, terutama untuk individu yang berpenghasilan rendah dan usaha mikro kecil. LKM Syariah menyediakan layanan keuangan yang sejalan dengan prinsip syariah, seperti pembiayaan tanpa bunga dan kesepakatan yang adil, yang pada akhirnya meningkatkan kepercayaan dan partisipasi masyarakat. Di samping itu, LKM Syariah juga berkontribusi terhadap perkembangan ekonomi lokal melalui pemberdayaan masyarakat dan peningkatan inklusi keuangan. Kesimpulan dari penelitian ini menegaskan bahwa keberadaan LKM Syariah efektif dalam mengatasi kendala akses keuangan dan memberikan solusi berkelanjutan untuk meningkatkan kesejahteraan masyarakat.
PERAN LEMBAGA PEMBIAYAAN SYARIAH DALAM MENINGKATKAN KEMANDIRIAN EKONOMI MASYARAKAT DESA Lailatul Vitriyah, Nurul; Ristiawati, Rika; Sari, Emilda; Sigit Adi Nugraha, Mohammad; Silviawati, Selly
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 12 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i12.3923

Abstract

Improving the economic independence of rural communities is one of the main goals of national economic development and requires the support of inclusive and just financial institutions. This study aims to analyze the role of Islamic financing institutions in enhancing the economic independence of village communities in District X through the provision of Sharia-compliant financing access and business assistance for micro-entrepreneurs. This research employs a qualitative approach with a case study method, using in-depth interviews, observations, and documentation involving micro-entrepreneurs, clients, and stakeholders of Islamic financing institutions. The findings indicate that Islamic financing institutions play a significant role in expanding access to capital, improving knowledge of Islamic financial management, and strengthening the capacity of micro-enterprises, as reflected in increased income and economic independence among most respondents. Nevertheless, limitations in financial literacy and understanding of Sharia principles are still found among rural communities, indicating the need for stronger educational programs and continuous mentoring. These results confirm that optimizing the role of Islamic financing institutions has great potential to support sustainable and equitable rural economic development.
PERAN EKONOMI SYARIAH DALAM MENDORONG PARIWISATA HALAL DI DESTINASI WISATA Ristiawati, Rika; Silviawati, Selly; Mas’ud Tasdiq, Yana; Lailatul Vitriyah, Nurul; Dewi, Kania
Jurnal Perbankan Syariah Indonesia (JPSI) Vol. 5 No. 1 (2026): Maret
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jpsi.v5i1.362

Abstract

Penelitian ini bertujuan untuk mengetahui dan mendeskripsikan peran ekonomi syariah dalam mendorong pengembangan pariwisata halal di sebuah destinasi wisata tertentu. Menggunakan pendekatan studi kasus, penelitian ini meneliti aspek-aspek yang terkait dengan implementasi ekonomi syariah, seperti kebijakan, promosi, serta peran pelaku usaha dan masyarakat dalam menarik wisatawan Muslim. Data dikumpulkan melalui wawancara mendalam, observasi, dan studi dokumentasi terhadap pengelola destinasi wisata serta pelaku usaha di lokasi penelitian. Hasil penelitian menunjukkan bahwa penerapan prinsip ekonomi syariah, seperti pengelolaan keuangan berbasis syariah, pengembangan produk halal, dan promosi yang sesuai syariah, berperan signifikan dalam meningkatkan daya tarik destinasi wisata tersebut bagi wisatawan Muslim. Selain itu, kesiapan dan pemahaman pelaku usaha terhadap ekonomi syariah menjadi faktor kunci dalam mendukung keberhasilan pengembangan pariwisata halal. Penelitian ini menyarankan agar pengelola destinasi wisata lebih mengintegrasikan prinsip ekonomi syariah dalam strategi pemasaran dan pengelolaan destinasi untuk meningkatkan daya saing dan keberlanjutan pariwisata halal.
The Influence of Islamic Economic Education on the Level of Public Awareness in Managing Finances Ayu Widyaningsih, Dwi; Sari, Emilda; Silviawati, Selly; Muhammad Adam, Asep; Lukito, Panji
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 8 (2026): January
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i8.361

Abstract

This study aims to analyze the influence of Islamic economic education on the level of public awareness in managing finances. The research method used is descriptive qualitative research with data collection techniques through interviews and observations. The research sample consisted of 20 respondents consisting of the public who are active in Islamic economic activities. The results of the study indicate that Islamic economic education has a significant influence on the level of public awareness in managing finances, which is reflected in several aspects, namely increased awareness of the importance of managing finances in an Islamic manner, increased community ability to manage finances effectively and efficiently, and increased awareness of the importance of zakat and alms to improve community welfare. The conclusion of this study is that Islamic economic education plays an important role in increasing public awareness in managing finances. Therefore, it is recommended for Islamic economic education institutions to improve the quality of economic education delivered to the community.
The Role of Islamic Financial Institutions in Supporting National Economic Development Koni, Agus; Apriani, Triana; Hidayat, Dayat; Lailatul Vitriyah, Nurul; Silviawati, Selly
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 8 (2026): January
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i8.363

Abstract

Sustainable national economic development requires support from various sectors, including the financial sector. In recent years, Islamic Financial Institutions (IFIs) have grown rapidly and made significant contributions to supporting national economic development. This study aims to analyze the role of Islamic Financial Institutions in supporting national economic development. This study uses a descriptive qualitative approach. Research data were obtained through in-depth interviews with respondents from Islamic financial institutions, the government, and entrepreneurs. The results show that Islamic Financial Institutions play a significant role in supporting national economic development in several ways, namely: increasing financial access for communities underserved by the conventional financial system, providing more innovative and diverse financial product and service development. In conclusion, the Role of Islamic Financial Institutions in Supporting National Economic Development is increasing transparency and accountability in financial management and supporting regional economic development through the development of micro and small-scale finance. Islamic financial institutions play a significant role in supporting national economic development. Therefore, the government and financial institutions need to continue supporting and strengthening the role of Islamic financial institutions in improving the economic welfare of the community.
Co-Authors Apriani, Triana Ayu Widyaningsih, Dwi Dayat Hidayat Kania Dewi, Kania Koni, Agus Lailatul Vitriyah, Nurul Lukito, Panji Mas’ud Tasdiq, Yana Muhammad Adam, Asep Novita Sari, Rasidah Nurul Lailatul Vitriyah Pujiati, Ani Ristiawati, Rika Sari, Emilda Sigit Adi Nugraha, Mohammad Tresna Aristhantia, Isti