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Optimalisasi Potensi Ekonomi Pesantren Melalui Usaha Ritel Pada Annuqayah Mini Market Guluk-Guluk Sumenep hana al ithriyah; Nuril Kamiliyah; Isti'anah halimi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.3752

Abstract

The high rate of poverty, unemployment, and the lack of employment opportunities are very crucial problems in Indonesia. The Indonesian economy is still facing serious basic problems. Relying on government performance and work programs alone will not be enough to solve this problem. It takes an institution or agency that helps to solve the problems of the Indonesian economy. Pesantren come to help developing and empowering the Indonesian economy. Currently, Pesantren is not only educational institutions, but can also actively contribute to the socio-economic life of the community. This is proven by the success of several retail businesses owned by pesantren. Besides being able to support the economy of the pesantren, the economic potential of the Pesantren through retail businesses can also help the economy of the surrounding community with the concept of community empowerment. Pesantren also benefit from the existence of learning media for students in entrepreneurship, both in terms of leadership, management, financial regulation, and so on. From these various advantages, the economic potential of Pesantren can be categorized as very useful and contribute in Indonesian economy. So it would be better if the pesantren economy was optimized in order to improve the national economy. This study seeks to reveal the economic potential of Pesantren through retail businesses in order to improve and develop the Indonesian economy. The optimization effort starts from the implementation of marketing strategies, including management of promotion, branding, physical evidence, and products. This is important to do because it has not been implemented in the AMM store. A company will progress and develop if it continues to make improvements and innovations. If not, then the company will not be able to compete and survive in the midst of an increasingly rapid market development. Improvements in management, strategy, and communication at the AMM Store should be done. This is important to do considering that they have not realized the implementation of management and marketing strategies to the fullest. In fact, the potential of the AMM store which is in the middle of a large Islamic boarding school is one of the potential market shares.
Legal Framework of Pesantren Islamic Finance for Grassroots Economic Empowerment Hana Al Ithriyah; Razak, Akhmad Zakki Abd.; Yani, Ahmad
Asian Journal of Law and Islamic Finance Vol. 1 No. 2 (2025): September
Publisher : Faculty of Sharia and Islamic Economic, Universtas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alif.v1i2.993

Abstract

Despite Indonesia’s Islamic finance growth reaching IDR 2,207 trillion, grassroots communities face systematic exclusion due to stringent collateral requirements and procedural complexity imposed by formal financial institutions. This study examines how UJKS Annuqayah navigates legal-regulatory frameworks and Shariah compliance while implementing trust-based mechanisms for grassroots financial inclusion. This research methodology is a qualitative case study was conducted through in-depth interviews (22 participants), participant observation (50 sessions), and document analysis (127 documents) at UJKS Annuqayah, Sumenep, Indonesia, from May-October 2024. The result is UJKS Annuqayah achieves zero default rates through trust-based collateral leveraging social capital and daily collection systems (setoran harian), enabling financing without physical assets while maintaining DSN-MUI Fatwa No. 04/2000 compliance. However, modest income impacts (8-15% growth) and sustainability pressures (IDR 25-30 million annual deficit) constrain transformative potential. The conclusion and recommendations: Pesantren-based institutions offer viable Islamic microfinance models balancing Shariah principles and accessibility. Future research should conduct comparative multi-case studies and longitudinal impact assessments. Research Implications: The study advances maqasid al-Shariah application in microfinance and reconceptualizes collateral through social capital theory. Managerial Implications: Policymakers should develop proportionate regulatory frameworks recognizing alternative risk mitigation, while practitioners should align payment structures with grassroots cash flow patterns.