Articles
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<![CDATA[The Role of Sharia Cooperatives in Increase Welfare Members and Society in the Digital Age ]]>
<![CDATA[Ginna Novarianti Dwi Putri Pramesti]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 1 No. 1 (2024): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v1i1.2
<![CDATA[Digitalization cooperative Sharia in Indonesia offers potential big in increase welfare economic and social its members, especially in limited areas access service finances. Research This aiming for analyze impact digitalization to welfare member cooperative sharia and society surrounding areas, as well as identify factors success in implementation digital technology. Research use method survey descriptive with approach quantitative, involving 200 members cooperative sharia from various regions that have adopt digital services. Research results show that digitalization cooperative sharia impact significant on increasing income members, efficiency operational, and satisfaction members. In addition, that, digitalization expands inclusion finance, with improvement amount member cooperative by an average of 20-25% in rural areas. However, there are challenges, such as low digital literacy and limitations infrastructure in several area. Implications from study This push importance support government in form training digital literacy and improvement infrastructure in remote areas. Study This conclude that digitalization cooperative sharia play role important in support inclusion finance and well-being members in the digital era. It is hoped that research This can become reference for maker policy and practitioner’s cooperative in optimize potential cooperative sharia through digital innovation.]]>
<![CDATA[Effectiveness Mentoring Sharia Cooperatives in Increase Literacy Finance for Micro Business Actors ]]>
<![CDATA[Diana Maghfiroh]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 1 No. 1 (2024): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v1i1.3
<![CDATA[Study This aiming for evaluate effectiveness of mentoring programs cooperative sharia in increase literacy finance for perpetrator business micro in Indonesia. Approach quantitative descriptive used with method survey of 150 actors’ business micro that has been accept mentoring for at least six months in some city large in Indonesia, including Jakarta, Bandung, Surabaya, Yogyakarta, and Medan. The results of the study show improvement significant in literacy finance, which includes understanding base about management finance, skills recording cash flow, and planning term long. Analysis statistics descriptive and paired sample t-test revealed improvement literacy finance by 20% to 25% after assistance, with variations influenced by factors access technology and support infrastructure in the area urban and also rural. Research this also found that cooperative sharia plays a role important in provide education appropriate financial with needs and characteristics perpetrator business micro. However, the challenges like limitations internet access and power companion in rural areas Still need overcome for optimize program effectiveness. Recommendations main study This is expand digital access and improve training for companion cooperative sharia use support improvement literacy and sustainability business micro in a way more area. Findings This give contribution for development policy cooperative in strengthen inclusion and literacy finance among perpetrator business micro in Indonesia.]]>
<![CDATA[Development Product Inclusive Islamic Finance for Push Growth of MSMEs in Rural Areas ]]>
<![CDATA[Chekole Gizachew Melisew]]>;
<![CDATA[Nur Saebah]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 1 No. 1 (2024): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v1i1.4
<![CDATA[Study This aiming for develop product finance inclusive sharia use support growth of Micro, Small, and Medium Enterprises (MSMEs) in rural areas. MSMEs play a role important in Indonesian economy, especially in the region’s rural areas. However, access they to service finance sharia Still limited consequence low literacy finance, limitations infrastructure, and perception that cost service sharia taller compared to product conventional. Research This use method survey and interview deep towards MSMEs in several rural areas for identify need as well as obstacles faced. Research results show that the majority of MSMEs in rural areas will consider service finance sharia If product the more easily accessible and affordable. Recommendations proposed policy includes literacy programs finance sharia, incentives for institution finance sharia in rural areas, and development product digital based. Research This give guide practical for taker policies and institutions finance in to design product finance sharia that supports inclusion finance and improve welfare rural economy.]]>
<![CDATA[Performance of Sharia Cooperatives in Supporting Micro Business Development: Perspective of Sustainability and Financial Inclusion ]]>
<![CDATA[Anisa Ayu Dwi Lestari]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 1 No. 1 (2024): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v1i1.5
<![CDATA[Sharia cooperatives have an important role in expanding financial access and supporting the sustainability of micro-enterprises, especially in communities that prioritize sharia values. However, many micro-enterprises still have difficulty accessing conventional financing, thus hampering their development. This study aims to analyze the performance of sharia cooperatives in supporting the development of micro-enterprises through the perspective of sustainability and financial inclusion. The study used a quantitative method with a survey involving 200 sharia cooperatives as samples. The research instrument was a questionnaire with a Likert scale to measure various performance indicators of sharia cooperatives, sustainability of micro-enterprises, and financial inclusion. The results of the study showed that sharia cooperatives contributed significantly to the sustainability of micro-enterprises, especially through a more lenient profit-sharing financing system. In addition, sharia cooperatives are also able to increase financial inclusion in the unbanked community by providing flexible financial access. Regression analysis shows a positive relationship between the performance of sharia cooperatives and the sustainability of micro-enterprises and financial inclusion. In conclusion, sharia cooperatives not only provide financing but also support the empowerment of a more inclusive and sustainable micro-economy.]]>
<![CDATA[Challenges and Opportunities for Sharia Cooperatives in Encouraging the Growth of Sharia MSMEs in the Digital Era ]]>
<![CDATA[Elvira Fitriyanti]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 1 No. 1 (2024): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v1i1.6
<![CDATA[Digital transformation has become an important factor in increasing economic competitiveness, especially for Islamic MSMEs facing increasingly fierce global competition. However, Islamic cooperatives, which act as the main drivers of Islamic MSMEs in Indonesia, still face various challenges in adopting digital technology. This study aims to analyze the challenges and opportunities faced by Islamic cooperatives in driving the growth of Islamic MSMEs in the digital era. A qualitative approach with a descriptive method was used in this study, with data collected through in-depth interviews and literature studies. The research sample consisted of Islamic cooperative administrators and Islamic MSME managers involved in the digitalization process in various regions of Indonesia. The results of the study show that Islamic cooperatives face significant challenges in terms of infrastructure, digital literacy, and access to financing for digital transformation. However, digitalization also offers great opportunities for Islamic cooperatives to improve operational efficiency, expand market access, and provide faster services for Islamic MSMEs. The conclusion of this study shows that a strategic partnership between Islamic cooperatives, the government, and digital financial institutions can be a solution to overcome barriers to digitalization and maximize the potential of Islamic MSMEs in Indonesia.]]>
<![CDATA[Relationship between Risk Management and Microenterprise Sustainability in the Creative Economy Sector ]]>
<![CDATA[Muhamad Zaenal Asikin]]>;
<![CDATA[Upit Elya Rohimi]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 1 (2025): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v2i1.7
<![CDATA[This study aims to analyze the relationship between risk management and sustainability of micro businesses in the creative economy sector. This study used a quantitative method with an associative approach and cross-sectional design to collect data from 40 micro-enterprise respondents in the creative economy sector in Cirebon. Data were collected through questionnaires and in-depth interviews, and analyzed using multiple linear regression, multicollinearity test, heteroscedasticity, coefficient of determination (R²), and hypothesis testing. The results show that risk management has a significant effect on microenterprise sustainability, with a regression coefficient of 2.00, indicating that improvements in risk management can increase microenterprise sustainability. The t-test and F-test showed strong significance on the risk management variable. The implications of this study provide insights to micro merchants and policy makers on the importance of better risk management implementation, as well as how technology can play a role in risk mitigation. This study also contributes to the development of risk management theory and opens room for further research on the role of digitalization in microenterprise risk management.]]>
<![CDATA[The Effect of Product Innovation and Marketing Networks on Increased Micro Business Income ]]>
<![CDATA[Upit Elya Rohimi]]>;
<![CDATA[Widya Widya]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 1 (2025): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v2i1.8
<![CDATA[Micro businesses have a vital role in supporting the national economy, but still face challenges in increasing income due to lack of product innovation and limited marketing networks. This study aims to analyze the effect of product innovation and marketing networks on increasing micro business income in Cirebon City. The method used is a quantitative approach with probability sampling technique, involving 65 respondents of micro business actors. Data analysis techniques include classical assumption test, multiple linear regression, coefficient of determination, as well as t test and F test. The results showed that both product innovation and marketing network had a positive and significant effect on micro business income, with a simultaneous contribution of 71.2%. The implications of these findings indicate the importance of a combination of innovative strategies and the expansion of marketing networks in driving the financial performance of micro enterprises. This research provides practical contributions for MSME actors as well as theoretical implications for strengthening the concept of innovation and marketing integration in the context of micro-entrepreneurship.]]>
<![CDATA[The Effect of Entrepreneurial Competence and Family Support on the Success of Women's Microenterprises in Sindang Kasih Village ]]>
<![CDATA[Aina Listiana]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 1 (2025): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v2i1.9
<![CDATA[Women's micro-enterprises in rural Indonesia play an important role in promoting family economic resilience, but still face various structural and social constraints. Lack of entrepreneurial competence and low family support are two main factors that hinder the success of women's micro-enterprises, especially in Sindang Kasih Village. This study aims to analyze the influence of entrepreneurial competencies and family support on the success of women's micro-enterprises in the region. The method used is a quantitative approach with a causal associative research design. The sampling technique used was a saturated sample technique, with a total of 35 female micro-entrepreneurs as respondents. Data collection was conducted through questionnaires, limited interviews, and documentation, with data analysis using multiple linear regression and classical assumption tests. The results showed that both entrepreneur competence and family support had a positive and significant effect on the success of women's micro businesses partially and simultaneously. The coefficient of determination of 0.629 indicates that the two independent variables explain 62.9% of the variation in business success. This research provides an important contribution to the development of gender and family-based microenterprise empowerment models, and can serve as a reference in designing local policies and training programs that are more contextual and inclusive in the future.]]>
<![CDATA[The Social Role of Cooperatives in Residents' Economic Empowerment: A Qualitative Study in the Cirebon Traditional Fishermen Community ]]>
<![CDATA[Irfan Azis]]>;
<![CDATA[Upit Elya Rohimi]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 1 (2025): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v2i1.10
<![CDATA[Traditional fishing communities are among the most economically vulnerable groups, especially amidst the pressures of climate change, limited market access, and the dominance of middlemen. In the midst of these challenges, cooperatives are present as an alternative economic institution that has the potential to strengthen the bargaining power and solidarity of coastal communities. This study aims to examine the social role of cooperatives in the process of economic empowerment of traditional fishing communities in Cirebon. The method used is qualitative with a case study approach, through in-depth interviews, participatory observation, and documentation of active cooperative members. The results show that cooperatives not only function as providers of access to capital, but also as reinforcers of social solidarity, spaces for democratic participation, and means of local economic transformation that reduce dependence on middlemen. Cooperatives encourage collective behavioral change and shape a more equitable socio-economic structure. The implications of this research support the development of community-based policies and the expansion of social-based cooperative models to improve the economic resilience of coastal areas. In addition, this study opens up opportunities for further research on cooperative digitalization and adaptive cooperative models in the era of a sustainable maritime economy.]]>
<![CDATA[Sharia Cooperatives as a Means of Community Economic Empowerment: A Case Study on Microenterprise Cooperatives in West Java ]]>
<![CDATA[Rokibulloh]]>
<![CDATA[ Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 1 (2025): Journal of Sharia Micro Enterprise and Cooperation ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Kuningan ]]>
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DOI: 10.59784/jsmec.v2i1.11
<![CDATA[This research discusses the role of Islamic cooperatives in community economic empowerment, especially for micro-enterprise cooperatives in West Java. The global economy, which is facing challenges of inequality and poverty, encourages the importance of community-based empowerment, one of which is through Islamic cooperatives that provide solutions to access financing based on sharia principles. The purpose of this study is to analyze the role of Islamic cooperatives in community economic empowerment, explore the challenges and opportunities of Islamic cooperative management, and its impact on the welfare of cooperative members. This research uses a qualitative approach with descriptive methods. Data were obtained through in-depth interviews, observation, and documentation of Islamic cooperatives in West Java. The results show that Islamic cooperatives can increase access to financing for micro businesses, but are faced with the challenges of suboptimal financial management and a lack of understanding of sharia principles among members. The implications of this research suggest managerial improvement and technology utilization in the management of Islamic cooperatives to improve transparency, efficiency, and sustainability of cooperatives in the future.]]>
