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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 235 Documents
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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.
Analisis Mitigasi Risiko Pembiayaan Bermasalah Pada PT BPRS Amanah Ummah KC Cicurug Zannah, Mitha Miftahul; Dewi, Afiatin
Jurnal Iqtisaduna Vol 11 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v11i1.50115

Abstract

This study aims to analyze the risk mitigation carried out by BPRS Amanah Ummah KC Cicurug in minimizing non-performing financing and to determine financing products with high risk. The type of research used is a case study with a qualitative approach. Data collection techniques are interviews, observation, and documentation. The data analysis technique uses the Nvivo 12 pro analysis tool with the Miles and Huberman data analysis model, namely data collection, data reduction, data presentation, and conclusion drawing. The results showed that the mitigation of the risk of non-performing financing is done by applying the 1S + 5C principle, the financing rating model by classifying customer financing opportunities based on the rating level, financing portfolio management is carried out by tiered limitation, gradual disbursement, prohibition of certain party financing, and allowance for productive asset losses (PPAP), recovery management by looking for potential financing and conditioning the allocation of PPAP funds, financing diversification by not channeling financing to one business sector. High risk financing products are financing with mudharabah, musyarakah, musyarakah mutanaqisah (MMQ), Ijarah Muntahiyya Bit Tamlik (IMBT) and murabahah contracts.
Peran dan Manfaat Asuransi Mikro Syariah Terhadap Ketahanan Ekonomi UMKM Lutfiyah, Rayi Alya
Jurnal Iqtisaduna Vol 11 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v11i1.50116

Abstract

This research aims to analyze the role of sharia microinsurance in reducing economic risk and its benefits in increasing the economic resilience of MSMEs in the KUR program. This research uses descriptive qualitative type with data collection sources through interviews, observation, and documentation. The data analysis technique used is the Miles and Huberman model with the NVivo 12 pro software tool. The results showed that sharia micro insurance not only plays a role in helping MSMEs to obtain financing that has a guarantee on the customer's life but also has a mechanism that is in accordance with sharia principles through tabarru' and wakalah bil ujrah contracts as regulated in DSN-MUI Fatwa No. 21/DSN-MUI/X/2001 concerning General Guidelines for Sharia Insurance. Sharia Micro Insurance helps mitigate risk and provide financial protection, enabling MSMEs to expand their businesses, diversify their products, and increase their income. These findings encourage policies to increase access and socialization of Islamic microinsurance for MSMEs.
Pengaruh Pembiayaan Mudharabah, Pembiayaan Musyarakah dan Non-Performing Financing Terhadap Profitabilitas Bank Umum Syariah di Indonesia Ulya, Eva Suci Zulfatul; Sadiyah, Mahmudatus
Jurnal Iqtisaduna Vol 11 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v11i1.52983

Abstract

This study aims to analyze the influence of mudharabah financing, musyarakah financing, and Non-Performing Financing (NPF) on the profitability of Islamic commercial banks in Indonesia in the 2019-2023 period, as measured by Return on Assets (ROA). The research method uses panel data regression analysis with secondary data from 6 Islamic commercial banks registered with the Financial Services Authority (OJK), which were selected through purposive sampling technique based on certain criteria. Data processing is done using EViews 10 software, the data analysis process includes descriptive statistical analysis, classical assumption testing, and hypothesis testing. The results showed that mudharabah financing has no significant effect on ROA, while musyarakah financing has a positive and significant effect. NPF has a significant negative effect on ROA, indicating that the high risk of non-performing financing can reduce bank profitability. The results of this research emphasise the need for more focused risk mitigation strategies and the development of more adaptive financing products so that Islamic banks can increase their profitability in the future, especially in the face of unforeseen economic challenges.
Pengaruh Tingkat Pendidikan, Pengetahuan Zakat, Dan Religiusitas Terhadap Kepatuhan Dalam Membayar Zakat Industri Di Kabupaten Jepara Wahyuningsih, Fitriana; Anwar, Aan Zainul
Jurnal Iqtisaduna Vol 11 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v11i1.55151

Abstract

This study aims to analyze the effect of education level, zakat knowledge, and religiosity on compliance to pay industrial zakat in Jepara Regency. This research uses a quantitative approach with primary data obtained through questionnaires to 100 respondents who are furniture industry players in Jepara. The data collected were analyzed using SPSS version 25 software, by applying multiple linear regression analysis, as well as conducting validity tests, reliability tests, classical assumption tests, and hypothesis testing. The level of education is measured through the respondent's last level of education, zakat knowledge includes an understanding of the law of zakat and its payment mechanism, while religiosity reflects the level of individual religious beliefs and practices. The results showed that education level, zakat knowledge, and religiosity simultaneously have a significant effect on compliance to pay zakat. Partially, religiosity has the most dominant influence, followed by education level, and zakat knowledge. This study confirms the importance of improving education, counseling on zakat, and strengthening religiosity values to increase compliance to pay zakat, especially in the industrial sector. The findings provide practical recommendations for zakat management institutions to use education and religiosity approaches in optimizing zakat potential in Jepara Regency.

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