<![CDATA[This study aims to analyze strategies for strengthening Islamic financial inclusion as a solution to the rise of out-of-pocket credit practices in Padang Laweh Village, Sijunjung Regency. Out-of-pocket credit is rapidly growing in the community due to its ease of access, rapid disbursement process, and minimal requirements. However, this practice often creates problems such as high installment burdens, lack of transparency, and potential debt traps. This condition indicates a suboptimal level of Islamic financial inclusion, both in terms of access, understanding, and utilization of Islamic financial services by the community. This study used a qualitative approach with descriptive methods. Data collection techniques were carried out through interviews, observation, and documentation involving village officials, Islamic financial institutions, and the Padang Laweh Village community. Data analysis was conducted systematically to describe the condition of Islamic financial inclusion and identify relevant strategies to reduce the community's dependence on out-of-pocket credit practices. The results of the study indicate that low Islamic financial inclusion is caused by limited geographic access to Islamic financial institutions, low Islamic financial literacy, and a lack of service innovation that suits the needs of the village community. Strategies to strengthen Islamic financial inclusion that can be implemented include improving Islamic financial literacy and education, expanding access to village-based Islamic financial services, strengthening the role of Islamic microfinance institutions, and synergizing between village governments and Islamic financial institutions. By implementing these strategies, it is hoped that communities will shift to fairer, more transparent, and more Sharia-compliant financing, thereby minimizing the practice of pre-emptive lending and improving community economic well-being.
Penelitian ini bertujuan untuk menganalisis strategi penguatan inklusi keuangan syariah sebagai solusi atas maraknya aktivitas kredit jemput bola di Nagari Padang Laweh, Kabupaten Sijunjung. Fenomena kredit jemput bola berkembang pesat di tengah masyarakat akibat kemudahan akses, proses pencairan yang cepat, serta minimnya persyaratan, meskipun praktik tersebut kerap menimbulkan permasalahan berupa tingginya beban angsuran, kurangnya transparansi, dan potensi jeratan utang. Kondisi ini menunjukkan belum optimalnya tingkat inklusi keuangan syariah, baik dari sisi akses, pemahaman, maupun pemanfaatan layanan keuangan syariah oleh masyarakat. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Teknik pengumpulan data dilakukan melalui wawancara, observasi, dan dokumentasi dengan melibatkan aparat nagari, pihak lembaga keuangan syariah, serta masyarakat Nagari Padang Laweh. Analisis data dilakukan secara sistematis untuk menggambarkan kondisi inklusi keuangan syariah dan mengidentifikasi strategi yang relevan dalam mengurangi ketergantungan masyarakat terhadap praktik kredit jemput bola. Hasil penelitian menunjukkan bahwa rendahnya inklusi keuangan syariah disebabkan oleh keterbatasan akses geografis terhadap lembaga keuangan syariah, rendahnya literasi keuangan syariah, serta kurangnya inovasi layanan yang sesuai dengan kebutuhan masyarakat nagari. Strategi penguatan inklusi keuangan syariah yang dapat diterapkan meliputi peningkatan literasi dan edukasi keuangan syariah, perluasan akses layanan keuangan syariah berbasis nagari, penguatan peran lembaga keuangan mikro syariah, serta sinergi antara pemerintah nagari dan lembaga keuangan syariah. Dengan penerapan strategi tersebut, diharapkan masyarakat dapat beralih ke pembiayaan yang lebih adil, transparan, dan sesuai dengan prinsip syariah, sehingga praktik kredit jemput bola dapat diminimalkan dan kesejahteraan ekonomi masyarakat meningkat.]]>
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