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All Journal FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Replita Replita
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Economics, Econometrics & Finance

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THE ROLE OF JULO-JULO IN OVERCOMING THE NEGATIVE IMPACT OF MONEY LENDER PRACTICES ON COMMUNITY ECONOMIC DEVELOPMENT Replita Replita; Nursyirwan Effendi; Taufika Ophiyandri; Djuljastri Abdul Rajak; Alfan Miko
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 8 No 2 (2025): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v8i2.11026

Abstract

The practice of loan sharks in low-income communities results in economic dependence and long-term financial difficulties. The presence of Julo-Julo as a community-based traditional financial institution becomes an important alternative that can provide more humane and socially just financial solutions. The purpose of this study is to understand the role of Julo-Julo in the economic development of the community, especially at the grassroots level. This study uses a qualitative descriptive approach, with data that cannot be measured on a numerical scale. Research results state the role of Traditional Julo-Julo in overcoming the negative impacts of loan shark practices by reducing risks, conducting socialization, and providing the best services. The strategy of Traditional Julo-Julo is to keep the community away from usury practices by implementing a proactive approach and freeing the community from dependence on loan sharks.
Co-Authors Djuljastri Abdul Rajak Miko, Alfan Nursyirwan Effendi, Nursyirwan Taufika Ophiyandri