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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Al-Wajih: The Journal of Islamic Studies
Rifqi Muthoharul Janan
UIN Siber Syekh Nurjati Cirebon
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Peran Literasi dan Inklusi Keuangan Syariah dalam Meningkatkan Kinerja UMKM di Kabupaten Kuningan Rifqi Muthoharul Janan; Abdul Rosyid; Ayus Ahmad Yusuf; Dewi fatmasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10863

Abstract

This study aims to analyze the role of Islamic financial literacy and Islamic financial inclusion in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in Kuningan Regency. The research employs a descriptive qualitative approach, focusing on the understanding, experiences, and practices of MSME actors in accessing and utilizing Islamic financial services. Data were collected through in-depth interviews, observations, and documentation involving MSME actors, Islamic financial institutions, and related stakeholders. The findings indicate that Islamic financial literacy plays a crucial role in shaping MSME actors’ understanding of Sharia-based transaction principles, thereby encouraging business decision-making that aligns more closely with values of justice and sustainability. Islamic financial inclusion also makes a tangible contribution through easier access to financing, savings products, and other Islamic financial services that support improved business performance. Nevertheless, several challenges remain, including limited understanding, insufficient socialization, and unequal access to Islamic financial services. This study concludes that strengthening Islamic financial literacy and expanding Islamic financial inclusion are strategic factors in enhancing MSME performance in Kuningan Regency. Therefore, synergy among local governments, Islamic financial institutions, and MSME actors is required to promote the development of competitive MSMEs grounded in Sharia principles.
Peran Literasi dan Inklusi Keuangan Syariah dalam Meningkatkan Kinerja UMKM di Kabupaten Kuningan Rifqi Muthoharul Janan; Abdul Rosyid; Ayus Ahmad Yusuf; Dewi fatmasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 1 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i1.10863

Abstract

This study aims to analyze the role of Islamic financial literacy and Islamic financial inclusion in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in Kuningan Regency. The research employs a descriptive qualitative approach, focusing on the understanding, experiences, and practices of MSME actors in accessing and utilizing Islamic financial services. Data were collected through in-depth interviews, observations, and documentation involving MSME actors, Islamic financial institutions, and related stakeholders. The findings indicate that Islamic financial literacy plays a crucial role in shaping MSME actors’ understanding of Sharia-based transaction principles, thereby encouraging business decision-making that aligns more closely with values of justice and sustainability. Islamic financial inclusion also makes a tangible contribution through easier access to financing, savings products, and other Islamic financial services that support improved business performance. Nevertheless, several challenges remain, including limited understanding, insufficient socialization, and unequal access to Islamic financial services. This study concludes that strengthening Islamic financial literacy and expanding Islamic financial inclusion are strategic factors in enhancing MSME performance in Kuningan Regency. Therefore, synergy among local governments, Islamic financial institutions, and MSME actors is required to promote the development of competitive MSMEs grounded in Sharia principles.
Relevansi Pemikiran Ekonomi Ibnu Hazm terhadap Konsep Keadilan dan Distribusi di Indonesia Ma'mur Munjat; Rifqi Muthoharul Janan; Wartoyo
Al-Wajih: The Journal of Islamic Studies Vol. 1 No. 2 (2024): Studi Keislaman
Publisher : Sekolah Tinggi Ilmu Tarbiyah Buntet Pesantren

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54213/alwajih.v1i2.638

Abstract

Artikel ini membahas pemikiran ekonomi Ibnu Hazm dalam konteks keadilan dan distribusi, serta relevansinya terhadap ketimpangan ekonomi di Indonesia. Ibnu Hazm, seorang ulama terkemuka dari Andalusia, menekankan pentingnya kewajiban etis dalam menegakkan keadilan (‘adl) dan pemerataan distribusi kekayaan (‘adl fi al-taqsim) dalam ekonomi Islam. Kajian ini mengulas pemikiran Ibnu Hazm dan membandingkannya dengan realitas distribusi ekonomi di Indonesia. Hasil analisis menunjukkan bahwa prinsip-prinsip beliau—seperti larangan monopoli, keadilan dalam kontrak, dan redistribusi berbasis zakat—masih sangat relevan hingga saat ini, khususnya dalam menghadapi ketimpangan yang semakin meningkat. Data mengenai Rasio Gini dan tingkat kemiskinan di Indonesia menunjukkan adanya kesenjangan distribusi kekayaan yang terus bertahan. Artikel ini menyimpulkan bahwa pemikiran ekonomi Ibnu Hazm yang berpusat pada nilai keadilan dapat menjadi landasan normatif bagi perumusan kebijakan ekonomi yang bertujuan mencapai keadilan distributif di Indonesia modern.
Co-Authors Abdul Rosyid Ayus Ahmad Yusuf Dewi fatmasari Ma'mur Munjat Wartoyo Wartoyo