Journal of Sharia Micro Enterprise and Cooperation

The Role of Sharia Cooperatives in Increase Welfare Members and Society in the Digital Age

2024-11-18T08:10:45+00:00

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.

Effectiveness Mentoring Sharia Cooperatives in Increase Literacy Finance for Micro Business Actors

2024-11-18T08:45:40+00:00

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.

Development Product Inclusive Islamic Finance for Push Growth of MSMEs in Rural Areas

2024-11-18T09:55:38+00:00

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.

Performance of Sharia Cooperatives in Supporting Micro Business Development: Perspective of Sustainability and Financial Inclusion

2024-11-18T10:20:54+00:00

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.