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All Journal Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat JIFA (Journal of Islamic Finance and Accounting)
Dari Daulay, Ulan
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Penyuluhan: Pentingnya Merek Dagang Dan Sertifikasi Halal Pada Home Industri Kerupuk Cita Rasa Di Desa Pematang Berangan Kabupaten Rokan Hulu Dari Daulay, Ulan; Riusdi, Riko
Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat Vol. 2 No. 2 (2025): Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat
Publisher : Sekolah Tinggi Agama Islam (STAI) Al- Kifayah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53398/alumm.v2i2.470

Abstract

Micro and small enterprises in rural areas have significant potential to strengthen local economies but often face challenges in product legality. One such case involves Kerupuk Cita Rasa, a home industry owned by Aji Syafji in Pematang Berangan Village, Rokan Hulu Regency, which has yet to obtain a registered trademark and halal certification. This community service program aimed to provide integrated outreach on the importance of trademark registration and halal certification as a strategy to improve business competitiveness. The activities were carried out using a Participatory Action Research (PAR) approach through seminars, interactive discussions, document-filling simulations, and the preparation of follow-up action plans (RTL). The results showed a significant improvement in participants’ understanding of the legalization process. A total of six participants began registering their trademarks, while four others prepared the required documents for halal certification. Furthermore, the PAR approach proved effective in encouraging active participation and strong commitment to legal business development. This program is expected to serve as a replicable model for educating and empowering micro-enterprises in other areas
Syariah fintech lending as a profit sharing-based MSMEs funding solution in the era of society 5.0 Wulandari, Poppy; Dari Daulay, Ulan; Hardianti , Anisha; Khoualed, Aboubaker
JIFA (Journal of Islamic Finance and Accounting) Vol. 8 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jifa.v8i2.11276

Abstract

This study aims to investigate the innovation of sharia fintech lending as a solution to the funding challenges faced by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, focusing on the application of profit-sharing financing models and their impact on MSME development in the Society 5.0 era. A Systematic Literature Review (SLR) methodology was employed, utilizing the PRISMA framework to identify, screen, and evaluate relevant studies published within the last five years. The review process resulted in the inclusion of 21 articles that formed the foundation for this study. The findings indicate that MSMEs in Indonesia face significant barriers to funding from conventional financial institutions due to high interest rates and stringent collateral requirements. Sharia fintech lending, utilizing profit-sharing models such as mudharabah and musyarakah, emerges as a fairer and more accessible alternative, promoting financial inclusion and addressing the unique needs of MSMEs. The study highlights the potential of sharia fintech lending to enhance financial inclusion and drive economic growth by providing MSMEs with easier access to financing without the constraints of conventional banking. It recommends further development of digital infrastructure and collaboration among stakeholders to expand the adoption of sharia fintech lending, fostering sustainable economic growth.
Co-Authors Hardianti , Anisha Khoualed, Aboubaker Riusdi, Riko Wulandari, Poppy