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All Journal Islamiconomic: Jurnal Ekonomi Islam Takuana: Jurnal Pendidikan, Sains, dan Humaniora
Yudistira Abdi
Institut Syekh Abdul Halim Hasan Binjai
Religion Arts Humanities Economics, Econometrics & Finance Education Social Sciences

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Implementation of Sharia Financial Products for MSMEs in Medan: Perspectives of Entrepreneurs and Financial Institutions Yudistira Abdi; Andriana Alnazhira Chandra; Mustafa Kamal Rokan; Imaduddin Sani
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.989

Abstract

This study examines the role of sharia financial products in supporting MSMEs in Medan, the challenges encountered, and potential solutions for optimization. Using a qualitative case study with 12 informants, data were gathered through in-depth interviews, field observations, and document analysis. The findings show that MSMEs’ understanding and acceptance of sharia financial products remain limited due to low literacy and a preference for conventional finance. Key challenges include complex procedures, restricted access, weak product innovation, and insufficient regulatory support at the local level. To address these barriers, the study proposes strengthening financial literacy education, developing innovative products tailored to micro-enterprises, enhancing digital infrastructure, and encouraging collaboration among government, financial institutions, and business communities. The novelty of this research lies in its dual perspective, integrating insights from both MSME actors and Islamic financial institutions, which is rarely examined in prior studies. This dual lens provides a more holistic understanding of the interaction between demand and supply in sharia finance. The study contributes to the Islamic economics literature by presenting the unique case of Medan, while offering policy implications that emphasize localized literacy strategies, regulatory reforms, and innovation to achieve inclusive and competitive sharia finance aligned with maqasid al-shariah.
Pengaruh Tingkat Motivasi terhadap Pengambilan Keputusan dalam Membuka Bidang Usaha Produktif bagi Mahasiswa Fakultas Ekonomi di Institut Syekh Abdul Halim Hasan Binjai Khairina Khairina; Zunaida Riska; Yudistira Abdi
Takuana: Jurnal Pendidikan, Sains, dan Humaniora Vol. 5 No. 1 (2026): Takuana (April-June)
Publisher : MAN 4 Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56113/takuana.v5i1.697

Abstract

This study aims to determine the influence of motivation levels on the decision-making process regarding the establishment of productive business ventures among students of the Faculty of Economics. The study employs quantitative research with an associative approach. Primary data were collected by distributing a questionnaire via Google Forms to 50 respondents, comprising 30 questions or statements. Purposive sampling was used as the sampling technique. Data processing was conducted using SPSS version 25 for Windows. The results indicate that motivation has a positive and significant influence on students' decisions to start a business, as evidenced by a significance value of 0.003 (which is less than 0.05) and a calculated t-value of 5.394 (which exceeds the t-table value of 1.686). Furthermore, the study found a substantial influence of 34.6%, while the remaining 69.4% is attributed to variables outside the scope of this research.
Co-Authors Andriana Alnazhira Chandra Imaduddin Sani Khairina Khairina Mustafa Kamal Rokan Zunaida Riska