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All Journal Indonesian Journal of Islamic Economics and Finance MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Cindy Alya Tantri
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Social Sciences

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Membangun UMKM yang Berkelanjutan: Kunci Mewujudkan Pekerjaan Layak dan Pertumbuhan Ekonomi Asryatun Nisa Br Ginting; Cindy Alya Tantri; Ezika Aquilera Sitio; Hanifa Ayu S
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 3 No. 1 (2025): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v3i1.1221

Abstract

Building sustainable Micro,Small and Medium Enterprises (SaME) is a crucial aspect in realizing decent work and promoting inclusive economic growth. SaME, as the backbone of the economy, contribute significantly to job creation and increased gross domestic product (GDP). Thisresearch explores various factors that influence the sustainability of SaME, such as access to capital, technology, skills training, and infrastructure support. In the digital era and globalization, SaME need to adapt to innovation and sustainable business practices to remain competitive. The use of information and communication technology (ICT) and environmentally friendly approaches can improve their efficiency and competitiveness. Furthermore, the government’s role in creating supportivepolicies, including tax in centives, training, and market access, iscrucial. Collaboration between the public and private sectors was also identified as key in creating an ecosystem that supports SaME development. By facilitating business net works and improving access to resources, UMKM can be more competitive. The findings from this study suggest that the sustainable development of SaME not only contributes to the creation of decent jobs, but also plays a role in broader and sustainable economic growth, and strengthens a country’s economic resilience. Therefore, investment in SaME should be a priority in the sustainable economic development agenda.
Analysis of Financing, Working Capital and Business Management in Improving Family Welfare in Kedai Durian Village Cindy Alya Tantri; Muhammad Ikhsan Harahap; Muhammad Lathief Ilhamy Nasution
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9919

Abstract

This study aims to analyze the role of financing, working capital, and business management in improving family welfare in Kedai Durian Village. Using a descriptive qualitative approach, data were collected through in-depth interviews with 10 informants who are active BMT customers. The number of informants was determined based on data saturation, where no new themes emerged after the eighth interview. Data were analyzed through data reduction, data presentation, and conclusion drawing. The results indicate that BMT financing significantly strengthened working capital, enabling inventory expansion, equipment purchase, and increased production capacity. Business management improvements measured through indicators such as financial record-keeping, stock planning, and customer service quality emerged organically as businesses grew. Family welfare improvements were multidimensional: economically, informants reported stable income enabling fulfillment of basic household needs, children's education, and savings; socially, business owners expanded community networks; and spiritually, all informants expressed inner peace from Sharia-compliant, interest-free financing aligned with Maqasid al-Shariah values. BMT financing thus functions as an integrated instrument of Islamic economic empowerment.
Co-Authors Asryatun Nisa BR Ginting Ezika Aquilera Sitio Hanifa Ayu S Harahap, Muhammad Ikhsan Muhammad Lathief Ilhamy Nasution