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All Journal Journal of Artificial Intelligence and Digital Business JISEI: Journal of Islamic Studies and Educational Innovation
Osmiati, Osmiati
Unknown Affiliation
Religion Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Other

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The Meaning and Experience of Muslim UMKM Actors on the Application of Sharia Economic Principles in Micro-Business Management A Phenomenological Study in Indonesia Hidayat, Deden; Osmiati, Osmiati
JISEI: Journal of Islamic Studies and Educational Innovation Vol. 2 No. 1 (2026): JISEI: Journal of Islamic Studies and Education Innovation (March 2026)
Publisher : LP3M Pascasarjana STAI Ibnurusyd

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61094/jisei.v2i1.149

Abstract

This study explores the meaning and lived experiences of Muslim micro, small, and medium enterprise (UMKM) actors in applying Sharia economic principles within micro-business management in Indonesia. Using a phenomenological approach, this research seeks to understand how Islamic values such as honesty (ṣidq), trustworthiness (amānah), justice (‘adl), and the prohibition of riba are interpreted and practiced in daily business activities. Data were collected through in-depth interviews, observations, and documentation involving selected Muslim UMKM actors who actively integrate Sharia principles into their businesses. The findings reveal that the application of Sharia economic principles is not merely normative but becomes a moral and spiritual foundation guiding business decisions, financial management, and customer relations. Participants perceive their businesses not only as profit-oriented entities but also as a form of worship (‘ibādah) and social responsibility. However, challenges remain, including limited literacy on Islamic finance, market competition, and inconsistencies in implementation. Despite these obstacles, the commitment to ethical business practices rooted in Islamic teachings strengthens trust, sustainability, and business resilience. This study contributes to the development of Islamic economic discourse by highlighting the experiential dimensions of Sharia implementation at the micro level, offering insights for policymakers, educators, and practitioners in promoting inclusive and value-based economic practices in Indonesia.
Financial Contribution of Sharia Philanthropy to Sustainable Social Development Maskur, Maskur; Hidayat, Deden; Osmiati, Osmiati
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6582

Abstract

This study examines the contribution of Sharia finance, particularly Islamic financial philanthropy, to sustainable social development and identifies strategic measures required to enhance its effectiveness. Sustainable social development demands an inclusive economic system that promotes social justice, equitable wealth distribution, and long-term community welfare. Islamic finance, grounded in ethical values and principles of social solidarity, provides redistributive instruments such as zakat, waqf, infaq, and sadaqah that can support these objectives. This research employs a qualitative literature study approach by reviewing and analyzing relevant sources, including academic journals, classical Islamic texts, and scholarly publications related to Islamic finance and sustainable development. Through a systematic examination of the literature, this study explores the conceptual and practical linkages between Islamic financial philanthropy and sustainable social outcomes. The findings reveal that Islamic financial philanthropy plays a significant role in poverty alleviation, economic empowerment, and social inclusion. However, its potential to foster sustainable development depends on effective strategic implementation. Recommended strategies include designing programs aligned with community needs, strengthening collaboration with governmental and private institutions, expanding regional and international partnerships, and improving data management systems to ensure transparency and accountability. Through these measures, Sharia finance can contribute more effectively to sustainable and inclusive social development.
Co-Authors Hidayat, Deden Maskur Maskur