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Susilo Nur Aji Cokro Darsono
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International Journal of Islamic Economics and Finance (IJIEF)
Published by Universitas Muhammadiyah Yogyakarta
ISSN : 26223562     EISSN : 26224372     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
International Journal of Islamic Islamic Economics and Finance (IJIEF) is a journal which is bianually issued (January and July) and initiated by International Program for Islamic Economics and Finance (IPIEF). The publisher of this journal is Universitas Muhammadiyah Yogyakarta. The publication of this journal though tighly-peer reviewed process using Open Journal System (OJS). For the publication, IJIEF only accept research article and publish it in electronic (PDF) version. The electronic publication can be accessed openly on the website http://journal.umy.ac.id/index.php/ijief/index. IJIEF commit to embrace the best research article in islamic economics and finance fields from the whole world and publish it consistently.
Arjuna Subject : -
Articles 192 Documents
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The Role of Religious-Based Empowerment in Enhancing Asnaf Entrepreneurs’ Success: Evidence from Jogokariyan Mosque, Indonesia Rarasati, Indin; Amin, Hanudin
International Journal of Islamic Economics and Finance (IJIEF) Vol. 8 No. 2 (2025): IJIEF Vol 8 (2), July 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v8i2.27781

Abstract

Mosque-based Islamic microfinance uniquely combines religious values with community economic empowerment. This study examined the business success of Micro, Small, and Medium Enterprises (MSMEs) that receive financing and mentoring from Jogokaryan Mosque. The measurement of business success was viewed from the perspective of Maqasid Sharia, which includes business experience, business justice, business welfare, financial wisdom, and one additional variable: the quality of worship. The research method used was the Asnaf Muslimpreneur Success Index (AMSi) to gauge the level of business success among MSME actors. The study population consisted of MSME actors who received financing and participated in a series of programs organised by Jogokaryan Mosque. A sample of 56 respondents was obtained using a purposive sampling technique. The result showed that the level of business success among MSMEs associated with Jogokaryan Mosque was categorised as medium-high success. This success was beneficial for MSME actors and could be further enhanced through a series of supporting programs with consistent intensity. The implication of this study was to evaluate the empowerment program offered by Jogokaryan Mosque and enhance the quality of both program delivery and financing. In fact, the goal was to boost business success and empower MSME actors in their entrepreneurial endeavours
The Empowerment of MSMEs through Islamic P2P Financing: A Value-Based Social Entrepreneurship Framework Latifah, Leti; Rodoni, Ahmad; Aziz, Roikhan Mochamad
International Journal of Islamic Economics and Finance (IJIEF) Vol. 8 No. 2 (2025): IJIEF Vol 8 (2), July 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v8i2.27985

Abstract

Islamic Peer-to-Peer (P2P) financing has become a promising alternative to overcome capital barriers faced by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. This study aims to examine the empowerment role of Islamic P2P financing through two complementary approaches. First, a descriptive qualitative method was employed to analyze the business models of Islamic P2P platforms and their integration with social entrepreneurship values. Second, a Systematic Literature Review was conducted to specifically assess the role of Islamic fintech in supporting MSME capitalization. The descriptive findings indicate that leading platforms such as ALAMI and Ammana integrate sharia contracts mudharabah, musyarakah, wakalah, and qardh to combine commercial goals with social impact. These practices reflect the principles of social entrepreneurship by enhancing inclusivity, ethical finance, and community empowerment. The SLR, based on 20 eligible articles published between 2019 and 2025, identified three main themes. First, models and financing schemes, including musyarakah, mudharabah, qardh al-hasan, and smart contracts that expand outreach and efficiency. Second, key success factors, such as trust, sharia compliance, literacy, technological innovation, and transparent information that drive adoption. Third, impact on financial inclusion and empowerment, highlighting contributions to MSME growth, poverty alleviation, inequality reduction, and integration with halal certification and community-based initiatives. Overall, the study confirms that Islamic P2P financing functions not merely as a financial intermediary but also as a driver of socio-economic transformation. Theoretically, it advances discourse on value-based financial innovation, while practically, it provides insights for policymakers, regulators, and practitioners to strengthen sharia fintech as a catalyst for MSME development and sustainable Islamic economic ecosystems.

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