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All Journal Al Urwah : Sharia Economics Journal Majelis: Jurnal Hukum Indonesia
Kanaya Ayodya Indra Prasta
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of Islamic Financial Institutions in the Development of MSMEs: An Analysis of Financing and Mentoring for Islamic-Based Micro-Enterprises in West Java Diana Setiawati; Nayla Putri Aryani; Mozart Tiasylva Syah Nuhandika; Arifkha Gita Zahara; Berliana Azizah; Kanaya Ayodya Indra Prasta; Indah Ayu Dewi Maharani
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.387

Abstract

MSMEs play a vital role in the Indonesian economy, yet they still face challenges in accessing financing and managing their businesses. Islamic Financial Institutions (IFIs) offer a financing alternative that is not only based on the principles of fairness and profit-sharing, but also prioritizes social sustainability and Sharia compliance. This study aims to analyze the selection and feasibility assessment mechanisms of micro-enterprises implemented by these institutions, as well as to examine the financing and mentoring models implemented to support MSME sustainability. The research method employed a qualitative approach through library research with content analysis of various literature sources related to Islamic financing and MSME empowerment. The results indicate that these institutions implement a selection mechanism based on the Sharia-compliant 5C concept, encompassing character, capacity, capital, business conditions, and collateral, with an emphasis on moral aspects and Sharia compliance. The financing models used include mudharabah, musyarakah, murabahah, ijarah, and qardhul hasan, combined with business mentoring such as management training, Islamic business ethics development, and field monitoring. This integrated approach has been proven to improve financial discipline, business sustainability, and social benefits for MSMEs. Thus, LKS functions not only as a capital provider but also as an agent for empowering the community's economy based on the principles of maqasid sharia.
Penggelapan Dana Indonesia Pintar: Ancaman Serius bagi Hak Pendidikan Anak Bangsa Annisa Nur Hanifah; Hasna Yunihanifah; Yunita Nur Rahmawati; Mozart Tiasylva Syah Nuhandika; Kanaya Ayodya Indra Prasta; Nurlaily Fauziaturrina
Majelis: Jurnal Hukum Indonesia Vol. 3 No. 1 (2026): Februari : Majelis : Jurnal Hukum Indonesia
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/majelis.v3i1.1394

Abstract

The Indonesia Pintar Program (PIP) serves as a strategic state instrument to ensure equitable access to education for children from low-income families, in accordance with the constitutional mandate. However, the prevalence of fund embezzlement poses a severe threat to the fulfillment of these educational rights. This study aims to analyze the structural and institutional dynamics triggering fund misappropriation, evaluate the effectiveness of current oversight mechanisms, and formulate strategies to mitigate such violations. This research employs a normative legal method with a descriptive-analytical approach, utilizing statutory and socio-legal analysis to examine regulations such as Law No. 20 of 2003 and relevant ministerial decrees. The findings reveal that embezzlement is driven by complex structural factors, including data asymmetry between Dapodik and DTKS, weak internal supervision, and a lack of transparency in fund distribution. Furthermore, legal enforcement remains suboptimal, often limited to administrative sanctions due to difficulties in proving mens rea and poor coordination among law enforcement agencies. The study concludes that current oversight mechanisms are insufficient to curb corruption in the education sector. Therefore, comprehensive reform is urgently needed, focusing on the integration of digital data systems, the implementation of e-audits, and the enhancement of civil society participation to ensure accountability. These measures are essential to protect the constitutional rights of children and ensure that education funds reach their intended beneficiaries without leakage.
Co-Authors Annisa Nur Hanifah Arifkha Gita Zahara Berliana Azizah Diana Setiawati Hasna Yunihanifah Indah Ayu Dewi Maharani Mozart Tiasylva Syah Nuhandika Nayla Putri Aryani Nurlaily Fauziaturrina Yunita Nur Rahmawati