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All Journal JURNAL PENDIDIKAN TAMBUSAI EKONOMIKA SYARIAH : Journal of Economic Studies JURNAL EDUCAZIONE : Jurnal Pendidikan, Pembelajaran dan Bimbingan dan konseling Al-Kharaj: Journal of Islamic Economic and Business Didaktik : Jurnal Ilmiah PGSD STKIP Subang Al-bank: Journal of Islamic Banking and Finance el-Amwal EKONOMIKA SYARIAH : Journal of Economic Studies ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) KOLONI Indonesian Research Journal on Education Trending: Jurnal Manajemen dan Ekonomi Krigan: Journal of Management and Sharia Business Al-bank: Journal of Islamic Banking and Finance PESHUM Jurnal Ilmiah Manajemen Profetik BORJUIS (JURNAL OF ECONOMY) Jurnal Ekonomi dan Bisnis (Jebi)
Anisah, Ariyun
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Public Health Social Sciences Other

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Akselerasi Ekonomi Umat: Analisis Peran Koperasi Syariah dalam Bingkai Maqashid Syariah Hartono Hartono; M. Imamuddin; Awaluddin Awaluddin; Rika Widianita; Yenty Astari Dewi; Septria Susanti; Santi Deswita; Cahya Agung Purnama; Ariyun Anisah
KOLONI Vol. 5 No. 1 (2026): MARET 2026
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/koloni.v5i1.800

Abstract

This study aims to analyze the strategic role of Sharia Cooperatives in improving the economy and welfare of the people through an approach that is in line with Islamic principles. As microfinance institutions, Sharia cooperatives have a unique function that integrates commercial and social aspects to create economic justice. The research method used is a literature review with content analysis techniques on various scientific literature, financial reports, and relevant policy documents. The results of the study indicate that Sharia cooperatives play a role as a driving force for the people's economy by empowering MSMEs with a fair and transparent profit-sharing financing scheme. In addition, the integration of ZISWAF funds in cooperative operations has proven effective as a social safety net for the poor. This study concludes that the welfare of the people generated by Sharia cooperatives includes material and spiritual dimensions in accordance with the Maqashid Sharia indicators. However, challenges in the form of service digitalization and strengthening Sharia compliance remain crucial aspects that must be improved. Synergy between professional governance, technology adaptation, and government regulatory support is essential to optimize the potential of Sharia cooperatives. This study provides theoretical contributions to the development of Islamic economics and practical recommendations for managers in realizing an inclusive, independent, and sustainable economic order for all levels of society.
Pengaruh Eksistensi Kelompok Tani terhadap Pendapatan Anggota dalam Perspektif Ekonomi Islam (Studi Kasus: Kelompok Tani Aceh Saiyo, Nagari Batupalano) Riri Anjas Mita; Ariyun Anisah
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10126

Abstract

The existence of farmer groups plays an important role in supporting agricultural economic activities and increasing members’ income, especially when managed based on Islamic economic principles. Although the theme of farmer groups has been examined in various studies, research specifically discussing the effect of the existence of farmer groups on members’ income from the perspective of Islamic economics in Nagari Batupalano remains limited. This study aims to analyze the effect of the existence of farmer groups on increasing members’ income from the perspective of Islamic economics. This study used a quantitative approach with a survey design, involving members of farmer groups as respondents selected through purposive sampling. Data were collected through questionnaires, interviews, and observation, and were then analyzed using simple linear regression with the assistance of SPSS 26. The results showed that the existence of farmer groups had a positive and significant effect on members’ income, with a calculated t-value of 24.219, which was greater than the t-table value of 1.997, and a significance value of 0.000. The coefficient of determination (R²) value of 0.90 indicated that 90% of the variation in members’ income was explained by the existence of farmer groups. The conclusion of this study affirms that the activity and institutional function of farmer groups play an important role in increasing members’ income. These findings contribute to the development of studies on agricultural institutions and Islamic economics, particularly regarding the application of the values of justice, ta’awun, and amanah in community economic activities. The implications of this study indicate the importance of strengthening member participation, organizational governance, and government support in making farmer groups a means of community economic empowerment.
Analisis Implementasi Pembiayaan KPR BTN Subsidi pada Nasabah Berpenghasilan Rendah di BTN KCS Padang Sulistri Mufidah Umah; Ariyun Anisah
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10131

Abstract

The implementation of KPR BTN Subsidi financing for low-income customers has become an important issue in Islamic banking because it is related to access to home ownership, contract compliance, verification effectiveness, and financing risk management. Although the topic of subsidized mortgages has been examined in several studies, research specifically addressing the implementation of sharia-based financing at BTN Sharia Branch Office (KCS) Padang, particularly regarding financing procedures, the application of sharia contracts, the e-FLPP verification system, financing risk management, and customer education, remains limited. This study aims to analyze the implementation of KPR BTN Subsidi financing for low-income customers at BTN KCS Padang. This study used a qualitative approach with a case study design, involving the management of BTN KCS Padang and customers receiving KPR BTN Subsidi selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and were then analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which includes data reduction, data display, and conclusion drawing. The results showed that the implementation of KPR BTN Subsidi financing at BTN KCS Padang was carried out systematically through the stages of financing application, data verification through the e-FLPP system, feasibility surveys, the implementation of murabahah and musyarakah mutanaqisah contracts, and the management of problematic financing risks. The murabahah contract was the most dominantly used contract because it provides certainty regarding the margin and installment amount for low-income customers. The conclusion of this study affirms that the successful implementation of sharia-based subsidized mortgages is strongly determined by contract transparency, the effectiveness of financing verification, risk management, and customer education. These findings contribute to the development of Islamic banking studies and provide practical implications for Islamic financial institutions in strengthening the governance of subsidized home financing that is transparent, accountable, and in accordance with sharia principles.
Co-Authors Alfin, Aidil Awaluddin Awaluddin Ayu Ayu AYU LESTARI Ayu, Ayu Azzahrah, Natasya Baginda Parsaulian Cahya Agung Mulyana Cahya Agung Purnama Devy, Tartila Elvira Maisandra Fajril Wahdi Fani Amelia Fani Amelia Fauziah Anggeraini Febriani, Vany Geby Sintia Dwi Gucandra, Yudi Hafizah Hafizah Hartono Hartono Hidayati Hidayati Kenedi, Jon Khadijah Nurani M. Imamuddin Mareta, Sri Gayatri Merifiani, Yolanda Muhammad Rais Mulyana, Cahya Agung Niko Taufiq Hidayat Nurani, Khadijah Rahayu, Musri Putri Rahman, Ali Refliani, Refliani Ridhah, Habibatur Rika Widianita Rika Widianita Riri Anjas Mita Santi Deswita Santi Deswita Septria Susanti Simatupang, Yulia Asarah SL, Hayatun Nufus Sulistri Mufidah Umah susanti, septria Uqwatul Alma Wizja Wardaniah, Wardaniah Yenty Astari Dewi Yenty Dewi Astarie Zuwardi Zuwardi ZUWARDI, ZUWARDI