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Edukasi dan Pendampingan Kontrak Bisnis Syariah bagi Pengusaha Mikro di Era Digital Eko Mulyadi; Ribut Suwarsono; Farida; Faida Martigo Wati; Tiara Depita
Vonis Vol. 1 No. 2 (2025)
Publisher : CV. Akira Java Bulu

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Abstract

This study aims to analyze the effectiveness of an educational and mentoring program on Sharia business contracts for micro-entrepreneurs in enhancing Islamic economic law literacy and improving their adaptability to digital contracts in the era of economic transformation. The program was motivated by the limited understanding of Sharia contract principles among micro-entrepreneurs and the weak legal aspects in drafting business agreements. The implementation method consisted of three stages: participants’ needs analysis, conceptual education on Sharia contract law, and practical mentoring in drafting and applying digital Sharia-based contracts. Evaluation was conducted through pre-tests and post-tests, contract portfolio analysis, and participatory observation. The results indicate a significant improvement in participants’ understanding, from 54% to 96%, and a 65% increase in their ability to draft Sharia business contracts. Furthermore, 80% of participants successfully produced electronic contract drafts using murabahah and musyarakah schemes consistent with Sharia principles and the provisions of Law No. 11 of 2008 on Electronic Information and Transactions (ITE Law). These findings demonstrate that an educational and participatory approach effectively fosters legal awareness, business ethics, and technological readiness among micro-entrepreneurs. Conceptually, the program strengthens the integration between Sharia values and business digitalization, establishing a foundation for a just, transparent, and sustainable micro-enterprise ecosystem.
Analisis Pengelolaan Keuangan Sekolah Berdasarkan Prinsip Syariah Di Madrasah Aliyah Kabupaten Tanjung Jabung Timur Rini Rini; Wargo Wargo; Ribut Suwarsono; Kurniawan Kurniawan; Siti Fatimah; Pini Susanti
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

School financial management is a crucial aspect of educational administration, aiming to ensure the effectiveness, efficiency, transparency, and accountability of fund utilization. From an Islamic economic perspective, financial management is not merely administrative; it must be grounded in Islamic values ​​such as trustworthiness (amanah), justice, transparency (syafafiyah), accountability (mas'uliyyah), and public interest (maslahah). However, practical challenges persist in applying Sharia principles to financial management within educational institutions, necessitating a deeper analysis of their alignment with Sharia economic legal principles. This study employs a qualitative approach through field research. Data were collected via observation, interviews, and document analysis involving the madrasah head, treasurer, school committee, and other parties involved in financial management. Data analysis proceeded through stages of data reduction, data presentation, and conclusion drawing, while data validity was verified through source and technique triangulation. The research findings indicate that financial management at Madrasah Aliyah in East Tanjung Jabung Regency is generally conducted through stages of planning, implementation, recording, reporting, and accountability in accordance with prevailing regulations. From a Sharia perspective, most management practices reflect the principles of trustworthiness, transparency, and accountability; however, certain aspects require improvement—specifically, optimizing information disclosure to all stakeholders and strengthening the financial managers' understanding of Sharia-based financial governance. Supporting factors for implementing Sharia principles include the school's commitment, clear regulations, and internal oversight systems, whereas inhibiting factors include limited human resources and a lack of training regarding Sharia financial management.
ANALISIS INTEGRASI GREEN ECONOMY DAN PRINSIP EKONOMI SYARIAH DALAM MEWUJUDKAN SUSTAINABLE ISLAMIC MICROENTERPRISE DI TANJUNG JABUNG TIMUR Farbi Fadhila; Nilfatri Nilfatri; Wandi Wandi; Wargo Wargo; Sayida Khoiratun Nisak; Sarwono Sarwono; Ribut Suwarsono
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i2.14567

Abstract

This study aims to examine the application of the green economy concept in micro-enterprises to support business sustainability, as well as the integration of the green economy concept and Sharia economic principles in realizing sustainable Islamic micro-enterprises. The study employs a descriptive qualitative approach using a case study design. Data sources comprise both primary and secondary data, collected through observation, interviews, and documentation. Data analysis utilizes the interactive analysis model developed by Miles and Huberman. The study concludes that the integration of the green economy and Sharia economic principles in micro-enterprise practices in East Tanjung Jabung Regency has essentially been implemented, although not yet fully systematically, and not all business owners formally understand the green economy concept. Factors supporting this integration include business owner awareness, religious values, the use of local raw materials, environmental concern, and community support. Conversely, inhibiting factors include limited capital, low understanding of the green economy, a lack of eco-friendly technology, the relatively high cost of implementing green practices, and suboptimal mentoring and institutional support.