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All Journal INTERDISIPLIN: Journal of Qualitative and Quantitative Research Al-Iffah: Journal of Islamic Sciences Research
Wilfi Tizka Sari
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Religion Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of Cooperatives and MSMEs in Encouraging Financial Inclusion in Rural Communities Fina Lubnia Sari; Wilfi Tizka Sari; Mashudi
INTERDISIPLIN: Journal of Qualitative and Quantitative Research Vol. 2 No. 5 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/interdisiplin.v2i5.109

Abstract

Cooperatives and Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in promoting financial inclusion in rural communities. MSMEs have demonstrated resilience during economic crises but still face significant challenges, particularly in terms of capital and marketing. Financial inclusion serves as a solution to improve MSMEs' access to financial services through both conventional and digital institutions. As community-based financial institutions, cooperatives have the advantage of providing inclusive financial services through savings and loans systems, financial education, and mutual economic support. The financial inclusion model implemented by cooperatives not only expands financial access for low-income communities but also strengthens local economic independence. This article analyzes cooperative strategies for enhancing financial accessibility, including their adaptation to financial technology to accelerate MSME financial inclusion. The study findings indicate that strengthening cooperative institutions and integrating them into the national financial system are crucial steps in ensuring the sustainable role of cooperatives and MSMEs in regional economic development.  
The Influence of Sharia Screening (Business Sector, Leverage, and Financial Ratios) on Investment Decisions Wilfi Tizka Sari; Abdur Rohman
Al-Iffah: Journal of Islamic Sciences Research Vol. 1 No. 4 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/iffah.v1i4.18

Abstract

 In the context of the Islamic capital market, investment decisions must take into account compliance with Sharia principles, such as the prohibition of riba (interest), gharar (excessive uncertainty), and maysir (gambling), as well as the requirement to invest in halal sectors. These principles are implemented through a Sharia screening mechanism that involves an assessment of the business sector, leverage ratio, and the company’s financial ratios. This study aims to analyze the influence of these three aspects of Sharia screening on corporate investment decisions. Using a descriptive qualitative approach and library research method, data were collected from various secondary sources such as academic journals, DSN-MUI fatwas, and publications from OJK and IDX.The analysis was conducted descriptively to understand the relationship between the Sharia screening aspects and the investment preferences of Sharia-compliant investors.The results indicate that the business sector is the dominant factor in the consideration of Sharia investors, followed by leverage and financial ratios. Therefore, a deep understanding of the Sharia screening mechanism is essentialnot only for investors but also for issuers and regulators in fostering the development of an inclusive capital market based on Islamic principles
Co-Authors abdur rohman Fina Lubnia Sari Mashudi