Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Abdi Dosen : Jurnal Pengabdian Pada Masyarakat
Mulyana, Sherly
Unknown Affiliation
Religion Humanities Education Public Health Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
ANALYSIS OF THE EFFECTIVENESS OF LEASING FINANCING IN IMPROVING ACCESS TO CAPITAL FOR MICRO AND SMALL ENTERPRISES Hidayu, Seri; Hendra, Joni; Ansori, Ridho; Mulyana, Sherly; Salsabila, Elsa; Wahyuni, Sri Rahayu; Virgiawan, Teguh
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 10 No. 1 (2026): MARET
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v10i1.3160

Abstract

Sharia leasing provides an asset-based financing mechanism that enables Micro and Small Enterprises (MSEs) to obtain productive equipment without requiring substantial upfront capital. This study analyzes the effectiveness of sharia leasing, particularly the ijarah and ijarah muntahiyah bittamlik (IMBT) contracts, in improving MSEs’ access to capital. Using literature review methods, this study evaluates scholarly articles, books, and regulatory documents related to Islamic financing. The findings indicate that sharia leasing effectively enhances access to capital because it does not require additional collateral, offers flexible payment structures, and includes asset ownership options at the end of the lease period. However, its implementation faces challenges such as limited sharia leasing institutions, low financial literacy, and insufficient product innovation. Strengthening education, expanding institutional reach, and developing more flexible leasing models are needed to maximize its contribution to MSE development.
Co-Authors Ansori, Ridho Hendra, Joni Hidayu, Seri Salsabila, Elsa Virgiawan, Teguh Wahyuni, Sri Rahayu