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Pemberdayaan Ekonomi Menuju Independent Woman Dalam Lingkup Lembaga Keuangan Syariah Wahyuni Wahyuni; Andi Bisyriani; Rasyidah Bulqis; Amalia S Tapparang
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4009

Penelitian ini bertujuan untuk menganalisis peran lembaga keuangan syariah dalam mendorong kemandirian perempuan sebagai bentuk pemberdayaan ekonomi masyarakat, khususnya di Kecamatan Duampanua, Kabupaten Pinrang. Latar belakang penelitian ini berangkat dari urgensi peran perempuan dalam menopang ekonomi keluarga di tengah keterbatasan akses modal dan dominasi struktur sosial patriarkis. Fokus kajian diarahkan pada bagaimana instrumen keuangan syariah dapat menjadi sarana inklusi finansial yang membuka ruang bagi perempuan untuk membangun kemandirian ekonomi dan memperkuat ketahanan keluarga. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Data primer diperoleh dari partisipasi langsung responden perempuan pelaku usaha mikro, kecil, dan menengah, sedangkan data sekunder bersumber dari literatur akademik, laporan resmi, dan publikasi ilmiah terkait. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, serta penarikan kesimpulan dengan memperhatikan validitas dan reliabilitas temuan. Hasil penelitian menunjukkan bahwa lembaga keuangan syariah memberikan kontribusi signifikan terhadap penguatan kapasitas usaha perempuan melalui penyediaan pembiayaan yang lebih inklusif dan sesuai prinsip syariah. Dukungan ini memungkinkan perempuan mengembangkan usaha kecil di sektor kuliner dan kebutuhan pokok, meningkatkan literasi keuangan, serta memperkuat peran mereka dalam menopang perekonomian keluarga. Namun, penelitian juga menemukan tantangan berupa beban ganda (Triple Burden), risiko dominasi pasangan dalam pengelolaan kredit, dan keterbatasan pendapatan usaha. Meskipun demikian, program literasi keuangan, pendampingan usaha, serta integrasi nilai-nilai sosial syariah terbukti mampu memperluas ruang partisipasi ekonomi perempuan sekaligus mengurangi ketimpangan gender. Kesimpulan penelitian ini menegaskan bahwa akses pembiayaan syariah, jika ditopang oleh literasi dan pendampingan yang berkelanjutan, dapat mendorong kemandirian ekonomi perempuan, memperkuat ketahanan keluarga, serta meningkatkan kontribusi terhadap pembangunan ekonomi lokal. Implikasi praktisnya, diperlukan desain kebijakan yang mensinergikan peran lembaga keuangan syariah, pemerintah daerah, dan komunitas dalam menciptakan model pemberdayaan perempuan yang berkelanjutan dan berkeadilan gender.

Dampak Direct Selling Online terhadap Pedagang Pasar Tradisional: Perspektif Ekonomi Syariah Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 1 No 1 (2024): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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The rapid growth of e-commerce and online direct selling has changed the trade landscape significantly. This phenomenon has complex impacts, especially for traditional market traders who have existed for centuries. This research aims to analyze in depth the impact of online direct sales on traditional market traders, taking into account the sharia economic perspective. The impact of online direct selling on traditional market traders is complex and multidimensional. The emergence of online direct selling has created increasingly fierce competition for traditional market traders. Ease of access, various product choices, and competitive price offers are the main attraction for consumers. Challenges and opportunities exist simultaneously. With the right government policies and joint efforts from all parties, it is hoped that a harmonious balance can be created between the development of online business and the business continuity of traditional market traders.

Tinjauan Kelayakan Bisnis Syariah Pada Usaha Sarang Burung Walet Di Dusun Batri Desa Kaballangang Reza Syaripuddin; Mustamin B; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 1 No 2 (2024): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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This research is titled “A Study of the Feasibility of a Sharia Business in the Edible Bird’s Nest Enterprise in Batri Hamlet, KaballangangnVillage.” The main objective of this research is to analyze the feasibility of the edible bird’s nest business from a sharia business perspective by considering legal, market, management, and environmental aspects.The research method used is descriptive qualitative, with data collection techniques including observation, interviews, and documentation. The findings of the first research question indicate that the swiftlet nest business in Batri Hamlet, Kaballangang Village, has significant economic potential, but there are challenges such as price fluctuations. From the perspective of Sharia law, this business is permissible as long as it adheres to Islamic principles, such as justice and transparency.The findings of the second research question indicate that the swiftlet nest business in Batri Hamlet, Kaballangang Village, is running well and has the potential to improve family economies. This is due to the relatively high price of swiftlet nests and the satisfactory harvests obtained by swiftlet entrepreneurs. In conclusion, this business is feasible under sharia principles but requires improvements in certain aspects to better align with Islamic economic principles and sustainability.

Implementasi Fatwa DSN-MUI No.92/DSN/MUI/IV/2014 Tentang Akad Rahn Pada Pembiayaan Wisata Religi Di Pegadaian Syariah Kabupaten Pinrang Putri Hasma; Wahyuni; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 1 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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This study aims to determine the implementation of the rahn contract in financing religious tourism at Pegadaian Syariah UPS Pasar Sentral, Pinrang Regency and its compliance with DSN-MUI Fatwa No.92/DSN-MUI/IV/2024. The method used is qualitative descriptive with observation, interview, and documentation techniques.The results of the study indicate that: 1) the religious tourism financing system based on the rahn contract is a practical sharia solution for people who want to perform the Umrah pilgrimage. This program provides easy access to funds through gold collateral, easy installments, and a safe process that is in accordance with sharia principles. 2) Its implementation is in accordance with the fatwa, with transactions that are free of usury, transparent, and only subject to administration and storage fees. However, there are still obstacles such as low public understanding of the rahn contract and limited gold ownership. Pegadaian Syariah addresses this through education and additional services such as gold savings and gold purchases in installments to increase program accessibility for prospective Umrah pilgrims.

Analisis Risiko pada Produk Pembiayaan Arrum BPKB di Pegadaian Syariah UPS Watang Sawitto Rachmadana; Desy Arum Sunarta; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 1 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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The development of Micro, Small and Medium Enterprises is often hampered by limited access to capital due to lack of eligible collateral. Arrum BPKB financing products from Pegadaian Syariah are an alternative solution, but still have potential risks. This study aims to determine the form of Arrum BPKB financing and analyze its risks at Pegadaian Syariah UPS Watang Sawitto. Using descriptive qualitative methods with data collection techniques through observation, interviews, and documentation of employees and customers. The results of this study are as follows. 1) The forms of Arrum BPKB financing at Pegadaian Syariah UPS Watang Sawitto are: a) Financing in the form of loans, where customers apply for financing with vehicle ownership certificates (BPKB) as collateral. b) The term agreed upon by the customer, according to the customer's needs. c) Storage service fees are charged. d) Financing repayment is made using a monthly installment system. 2) Risk analysis for Arrum BPKB financing products at Pegadaian Syariah UPS Watang Sawitto is carried out using risk management by: a) Identifying risks. b) Measuring risks. c) Monitoring risks. d) Controlling risks

Analisis Tantangan dan Peluang dalam Pengembangan Produk Investasi Syariah (Studi Kasus Di BSI KCP Pinrang) Amaliah Nur Wahida; Wahyuni; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 2 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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Along with the development of the sharia financial industry, especially in the banking sector, sharia investment products have become one of the choices that are increasingly in demand by the public. However, the development of this product cannot be separated from the various challenges that must be faced, both in terms of regulation, understanding, and market competition in the community. This study aims to determine the development, challenges and opportunities of sharia investment products. The type of research used is descriptive qualitative. In its implementation, researchers conducted field visits to collect relevant information from employees of Bank Syariah Indonesia Pinrang Branch. The results of this study are. 1) The development of sharia investment products at Bank Syariah Indonesia focuses on two main products, namely gold installments and deposits. The emphasis on increasing gold installment sales and strengthening deposit products is expected to strengthen the position of sharia banking in the Pinrang Regency area. 2) the challenges in the gold installment program at Bank Syariah Indonesia (BSI) KCP Pinrang are related to the down payment (DP) which is often an obstacle for some customers

Analisis Pelaksanaan Program Keluarga Harapan (PKH) dalam Meningkatkan Kesejahteraan Keluarga Penerima Manfaat di Desa Massewae Kecamatan Duampanua Kabupaten Pinrang (Perspektif Ekonomi Islam) Nurfadilah; Desy Arum Sunarta; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 2 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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Poverty is a major challenge in development, including in Massewae Village, Duampanua District, Pinrang Regency. The Family Hope Program (PKH) is here as an effort to overcome this problem by providing financial assistance to underprivileged families. However, the distribution of assistance still experiences obstacles that require attention so that it is right on target. This study aims to analyze the effectiveness of PKH implementation in Massewae Village and its compliance with Islamic economic principles. Qualitative descriptive methods are used with observation, interview, and documentation techniques. The research subjects include recipients, assistants, PKH leaders, and related parties in program implementation.The results of this study indicate that: 1) The implementation of PKH has a positive impact on improving welfare, especially in health, education, and social aspects. However, there are still negative impacts in the form of dependence on aid. 2) Based on the perspective of Islamic economics, PKH in Massewae Village has reflected the principles of monotheism and balance, but still faces challenges in terms of the principles of caliphate and distribution justice.

Analisis Pemasaran Syariah dalam Meningkatkan Nasabah Produk BSI OTO Pada Bank Syariah Indonesia KCP Pinrang Nasriani; Wahyuni; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 2 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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BSI OTO is a motor vehicle financing service product (cars and motorbikes). This research aims to analyze Sharia Marketing in increasing customers for BSI OTO products. The method used is qualitative with interview techniques, observation and documentation. The research subjects were sharia bank employees and customers of BSI OTO KCP Pinrang. The results of the study indicate that: 1) The BSI OTO Product System at Bank Syariah Indonesia KCP Pinrang uses the murabahah contract, which is a buying and selling scheme where the bank buys vehicles from dealers and resells them to customers at an agreed price, including a profit margin. 2) The sharia marketing strategy implemented by Bank Syariah KCP Pinrang in increasing the number of BSI OTO product customers is quite effective. This strategy includes promotion, distribution of brochures, socialization, and utilization of social media.

STRATEGI GAMIFIKASI DALAM MENINGKATKAN LITERASI KEUANGAN SYARIAH GENERASI Z: KAJIAN LITERATUR TERINTEGRASI Riski Apriliani; Desy Arum Sunarta; Rasyidah Bulqis; Andi Bisyriani
TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 2 (2025): TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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This study explores the potential of gamification as an adaptive educational strategy to improve Islamic financial literacy among Generation Z learners. Drawing upon key theories from educational psychology, Islamic pedagogy, and digital learning design, this research aims to synthesize conceptual frameworks and empirical findings through an integrative literature review approach. A comprehensive review of forty-three academic sources from 2013 to 2024 was conducted using databases such as Scopus, Web of Science, and ScienceDirect. Thematic coding and comparative analysis were applied to identify core mechanisms of gamification—such as points, badges, leaderboards, and adaptive challenges—and evaluate their alignment with Generation Z’s digital engagement preferences. The findings show that gamification significantly enhances learner motivation, behavioral change, and ethical comprehension when designed with cultural and religious sensitivity. Specific applications in Islamic finance education demonstrate increased retention, improved decision-making, and value alignment. The study concludes that gamified tools, if integrated with Islamic ethics and local wisdom, can bridge the gap between traditional Islamic education and digital learning expectations. These results suggest a new pedagogical direction for educators and policy-makers aiming to cultivate financial literacy in Muslim youth through interactive, ethical, and technology-enhanced learning environments.

Analisis Efektivitas Koperasi Syariah Dalam Membangun Kemandirian Ekonomi Wanita Pada Wilayah Pedesaan Wahyuni Wahyuni; Rasyidah Bulqis; Muhammad Amin
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 2 (2026): Maret - Juni
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i2.9948

Penelitian ini bertujuan menganalisis efektivitas koperasi syariah sebagai sarana pemberdayaan ekonomi perempuan di daerah pedesaan, khususnya dalam meningkatkan kemandirian ekonomi melalui akses modal, pelatihan, dan penguatan jejaring usaha. Metode penelitian dilakukan dengan menggunakan pendekatan kualitatif agar hasilnya dapat diimplementasikan pada objek penelitian tersebut. Data dikumpulkan melalui wawancara, kuesioner, dan dokumentasi lain. Hasil penelitian menunjukkan bahwa koperasi syariah berperan signifikan dalam meningkatkan akses modal usaha kecil, mendorong pelatihan keterampilan, serta memperkuat literasi keuangan dan partisipasi ekonomi perempuan. Beberapa anggota mampu mengembangkan usaha mandiri dan meningkatkan pendapatan keluarga, meskipun skala usaha masih terbatas. Temuan ini mengimplikasikan bahwa koperasi syariah dapat menjadi salah satu model kelembagaan ekonomi berbasis komunitas yang efektif dalam pemberdayaan perempuan di daerah pedesaan dalam kerangka maqāṣid al‑sharī‘ah. Implikasi praktisnya adalah perlunya dukungan kelembagaan, pelatihan berkelanjutan, dan regulasi yang mendukung penguatan koperasi syariah di tingkat desa. Kesimpulan penelitian ini menunjukkan bahwa koperasi syariah terbukti efektif sebagai instrumen pemberdayaan ekonomi perempuan pedesaan apabila dibangun atas prinsip keadilan, keanggotaan inklusif, dan literasi keuangan syariah yang memadai. Penelitian ini berkontribusi pada literatur pemberdayaan perempuan melalui ekonomi Islam di daerah pedesaan Indonesia serta memberikan dasar praktis bagi pengembangan program koperasi syariah berbasis gender di tingkat desa. Keterbatasan penelitian meliputi ruang lingkup yang hanya mencakup satu koperasi, sehingga generalisasi temuan masih terbatas. Saran untuk penelitian selanjutnya adalah melakukan studi komparatif multi-lokasi dan pendekatan kuantitatif-kualitatif untuk menilai dampak jangka panjang koperasi syariah terhadap indeks kemandirian ekonomi perempuan.

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