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Jurnal Iqtisaduna
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 23549629     EISSN : 25491334     DOI : https://doi.org/10.24252/iqtisaduna.v1i1.11825
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
This study aims to determine the efforts of Islamic Financial Institutions in empowering SMEs, strategies and important roles carried out by LKS in order to empower SMEs through the provision of capital to be managed in business. The method used in this research is descriptive analysis method, a method that only describes various forms of paradigms about empowerment strategies for SMEs, the most important data sources in this study are related to the search for library data, relevant books, and scientific papers. others relevant to the object of study. The results of this study indicate that there has been much power and effort carried out by the Islamic Finance Agency in order to empower SMEs, this can be proven by the existence of several programs, products, and financing aimed directly at SMEs. The strategy used is; provide complete information as well as promotion to SMEs, provide financing for their business development, provide financing in accordance with the type of business that SMEs are involved in with the concept of sharia principles. The implication of this research is to continue to provide services professionally and provide the best so that they are truly able to provide community welfare, more selective in providing financing so as to minimize the losses that will occur, increase technological resources so that SMEs can easily access information.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 24 Documents
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Search results for , issue "Vol 10 No 2 (2024)" : 24 Documents clear
Maqashid Syariah dan Kesejahteraan Masyarakat Lokal di Kawasan Destinasi Wisata Sungai Kapuas Safira, Laila; Hakim, Luqman; Kalbarini, Rahmah Yulisa
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.52744

Abstract

Tourism development is considered necessary to realize the welfare of the community, especially community, this welfare is not only seen from income alone but also Maqashid sharia. This research aims to see how the fulfillment of the needs if local communities aroud the Kapuas River tourist area seen from Maqashid Sharia. This research uses a descriptive method with a qualitative approach. The data collection techniques used were observation, interview, and documentation. Data were obtained from informants, such as Pontianak City Tourism Office, local community leaders and local communities. Based on the data collection and processing techniques above, the conclusions of this study are; The existence of the Kapuas River Tourism Area with existing tourism carrying capacity is able to improve the economy of the surrounding community. Judging from the increase in efforts to fulfill the needs of hajiyah and tahsiniyah needs. While in Maqashid sharia, this tourist area provides the potential to fulfill the needs for Hifsz al-Din (Maintenance of Religion), Hifdz al-Nafs (Maintenance of Life), Hifdz al-Aql (Maintenance of Intellect), Hifdz al-Nasl (Maintenance of Descent), Hifdz al-Mal (Maintenance of Property).
Penerapan Analisis Kelayakan Pembiayaan 5C+1S untuk Meminimalisir Pembiayaan Bermasalah pada Bank Syariah Indonesia (BSI) Hasna Aulia Rahmawati; Rohmah, Hafiza Zaidatur; Marsheila, Clarisa Devi; Asiyah, Binti Nur
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.52828

Abstract

Pembiayaan Bank Syariah Indonesia (BSI) tidak luput dari pembiayaan bermasalah. Pembiayaan bermasalah menimbulkan kerugian bagi pihak bank ataupun pihak lain yang berkepentingan. Untuk menanggulangi dampak tersebut, maka Bank Syariah Indonesia (BSI) perlu melakukan tindakan preventif salah satunya dengan menerapkan analisis kelayakan pembiayaan. Tujuan penelitian ini adalah untuk meneliti penerapan analisis kelayakan pembiayaan 5C+1S untuk meminimalisir pembiayaan bermasalah pada Bank Syariah Indonesia (BSI). Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui studi literatur. Hasil penelitian menunjukkan bahwa penerapan aspek 5C+1S yang mencakup Character (karakter), Capacity (kapasitas), Capital (modal), Collateral (jaminan), Condition (kondisi), dan Sharia (syariah) dapat meminimalisir pembiayaan bermasalah di Bank Syariah Indonesia (BSI). Hal ini ditunjukkan oleh penurunan rasio NPF dari 2,93% pada 2021 menjadi 2,08% pada 2023, yang mencerminkan keberhasilan meminimalisir pembiayaan bermasalah sekaligus meningkatkan kinerja bank secara keseluruhan.
Model Pemberdayaan Ekonomi Umat Melalui Aset Wakaf Masjid Besar Darul Muttaqin Kecamatan Alang Alang Lebar Palembang Syukriah, Syukriah; Antasari, Rina; Azwari, Peny Cahaya
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.52837

Abstract

This research aims to describe the model of economic empowerment of the people through the waqf assets of the Darul Muttaqin Grand Mosque. The research problem is to find out the description of the model, analysis and transformation of economic empowerment of the people through waqf assets at the Darul Muttaqin Grand Mosque, Alang Alang Lebar District. The research method the author uses is qualitative. Based on the results of the research and discussion, it is known that the description of the economic empowerment model for the people is a consumptive model and a productive model which is useful in assisting in poverty alleviation programs and leading to a prosperous society by empowering an independent community economy. Useful for increasing economic welfare, helping to increase community income, economic independence and reducing poverty, and for economic empowerment of the people based on sharia values in congregation, carried out based on cooperation and based on the spirit of helping each other in goodness, and can be transformed into the community or congregation appropriate and in accordance with Islamic law.
Implementasi Konsep Qardh dalam Penggunaan Kartu Kredit Syariah Rohmah, Rodyah Awallul; Khusnudin, Khusnudin
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.53235

Abstract

Islamic financial practices continue to be adapted to meet the challenges of the modern world. One modernization of the qardh principle can be seen in the application of the use of Islamic credit cards. Islamic credit cards are designed to avoid the element of usury in the financing structure. The purpose of this study is to examine more deeply about how the concept of qardh, social and moral implications in an increasingly complex global financial system. This qualitative research uses a secondary review approach that focuses on the theoretical-normative study of the concept of qardh in modern Islamic credit card practices. The results of this study conclude that the concept of qardh in Islamic credit card practices has important relevance in the aspects of helping, justice, financial education and user responsibility, increasing accessibility and social justice, innovation in Islamic financing, maintaining economic stability, and building solidarity and social responsibility.

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