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SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam
Published by Lembaga Pengembangan Manajemen dan Publkasi Imperium
ISSN : -     EISSN : 26859904     DOI : -
Core Subject : Religion, Economy, Science,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
AIMS AND SCOPE The aim of the Jurnal is to provide high-quality scientific papers covering the current issues within Islamic economics and finance. The journal is designed to provide a platform for researchers, academicians, and practitioners who are interested in new knowledge and discussing ideas, issues, and challenges in the field of Islamic economics and finance. The coverage includes but is not limited to: Islamic finance (Fundamentals, trends and opportunities in Islamic Finance, Islamic banking and financial markets, Risk management, Corporate finance, Investment strategy, Islamic social finance, Financial Planning, Housing finance, Legal and regulatory issues, Islamic microfinance); Islamic management (Corporate governance, Customer relationship management, and service quality, Business ethics and corporate social responsibility, Management styles and strategies in Shariah environments, Labour and welfare economics, Political economy, and such other topics as the Editors may deem appropriate). Articles need to make a significant contribution to the theoretical and /or methodological literature on the subject and contain a strong strategic management component.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 2 Documents
 1 
Search results for , issue "vol. 8 no. 2 (2026)" : 2 Documents clear
The transformation of the role of Sharia microfinance institutions in improving the quality of life of the community: Empirical evidence from BMTS in South Tangerang Hartutik Hartutik; Dwi Nita Aryani; Sulhendri Sulhendri; Irsyad Kurniawan; Dimas Adi Saputra
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol. 8 No. 2 (2026)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v8i2.1841

Abstract

This study aims to analyze the role of Islamic Microfinance Institutions (LKMS) in improving community welfare, particularly in terms of access to healthcare and the reduction of social inequality, in line with Sustainable Development Goals (SDGs) 3 and 10. This research employs a descriptive qualitative approach, with data collected through in-depth interviews with management and members, as well as observations of financing activities at Baitul Maal wat Tamwil (BMT) Universitas Muhammadiyah Jakarta (UMJ). The findings reveal that LKMS plays a significant role in enhancing financial inclusion by providing accessible financing based on Islamic principles. The financing is utilized not only for productive purposes but also for education and healthcare needs, thereby contributing to improved household economic resilience. In addition to its commercial function, LKMS also performs a social role by providing qardhul hasan financing for vulnerable groups, serving as a protective alternative against exploitative online lending practices. Public interest statements The study identifies several challenges, including perceptions of relatively high financing costs, limited service outreach, and suboptimal use of technology to support access and service efficiency. This study contributes by reinforcing the role of LKMS as an instrument of socio-economic empowerment based on maqashid sharia, particularly in safeguarding wealth (hifz al-mal) and life (hifz al-nafs), in supporting inclusive and equitable sustainable development.
Effectiveness of the implementation of the rice farming insurance program in Deli Serdang regency: An Islamic perspective Muhammad Bima Nugraha; Nurul Inayah; Muhammad Ikhsan Harahap
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol. 8 No. 2 (2026)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study analyzes the effectiveness of the Rice Farming Insurance Program (AUTP) in Durian Village, Deli Serdang Regency, from an Islamic economics perspective. Using a qualitative descriptive approach and purposive sampling of ten informants, including farmers and agricultural extension workers, data were gathered through interviews, observations, and documentation. The findings indicate that AUTP's effectiveness is hindered by issues such as target accuracy, limited program awareness, and inadequate monitoring. Many tenant farmers are excluded due to administrative requirements, while uneven information dissemination and delayed claim settlements diminish the value of compensation. These challenges suggest that AUTP does not fully embody the Islamic principles of justice, mutual assistance, public welfare, and the protection of wealth, life, and intellect. This study integrates program effectiveness analysis with Islamic economic principles, providing a useful framework for improving agricultural insurance policies to protect vulnerable farmers better. Public Interest Statement: The findings highlight that unequal access to information, technological barriers, and delays in claim disbursement hinder the effectiveness of agricultural insurance programs. The study calls for more inclusive policies, simplified procedures, and stronger institutional support. It also stresses integrating Islamic economic values such as justice, mutual assistance, public welfare, and wealth protection into these policies. Ultimately, the research aims to enhance farmer welfare, bolster rural resilience, and promote sustainable agricultural development in Indonesia.

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