PENINGKATAN LITERASI DIGITAL PEMBIAYAAN NON-BANK SYARIAH PADA UMKM DESA KENONGO

Penulis

Abstrak

MSMEs have a strategic role in the economy in Indonesia, but MSMEs, especially for small and micro businesses, still face obstacles in accessing financing from traditional financing institutions such as banks. One alternative solution offered is non-bank sharia financing that is more inclusive and in accordance with sharia principles. Through community service activities from DRPM Universitas Muhammadiyah Sidoarjo, it aims to improve digital literacy of MSMEs in Kenongo Village regarding non-bank sharia financing. The implementation methods include (1) socialization, (2) training, and (3) assistance in accessing financing from non-bank sharia financial institutions such as sharia fintech, sharia cooperatives and BMT. The results of the activities show an increase in understanding and skills of MSMEs in accessing digital sharia financing as well as better business financial governance

Referensi

[1] B. Wardhana, M. A. Mukminin, I. Syafira, R. Isnawati, and F. N. Latifah, “Wo men ’ s empowering through sharia crowdfunding,” vol. 05, no. 01, pp. 15–20, 2020.
[2] E. Vol, F. Ekonomi, B. Universitas, and I. Malang, “Peran Fintech Dalam Meningkatkan Literasi Keuangan Usaha Mikro Kecil Menengah Di Batam,” J. Ris. Akunt. dan Bisnis, vol. 08, no. 04, pp. 90–104, 2022, doi: 10.30596/11656.
[3] M. M. Syafitri and F. N. Latifah, “Fintech Peer To Peer Lending Berbasis Syariah Sebagai Alternatif Permodalan UMKM Sidoarjo,” J. Ilm. Ekon. Islam, vol. 9, no. 01, pp. 1438–1447, 2023, [Online]. Available: https://jurnal.stie-aas.ac.id/index.php/jei/article/view/8482
[4] R. U. Al-Hashfi and A. S. Zusryn, “Exploring Islamic Peer-To-Peer Lending for the Unbankable,” Airlangga Int. J. Islam. Econ. Financ., vol. 2, no. 2, p. 71, 2020, doi: 10.20473/aijief.v2i2.20648.
[5] M. L. N. Rosmadi, “Penerapan Strategi Bisnis di Masa Pandemi Covid-19 Jurnal IKRA-ITH Ekonomika Vol 4 No 1 Bulan Maret 2021,” J. IKRA-ITH Ekon., vol. 4, no. 1, pp. 122–127, 2021.
[6] F. N. Latifah, N. Adriani, N. Ariyanti, and S. S. Batubara, “Analysis of MSME Capital Using Sharia Fintech Peer to Peer Lending,” Perisai Islam. Bank. Financ. J., vol. 7, no. 2, pp. 312–325, 2023, doi: 10.21070/perisai.v7i2.1696.
[7] Darmansyah, B. A. Fianto, A. Hendratmi, and P. F. Aziz, “Factors determining behavioral intentions to use Islamic financial technology: Three competing models,” J. Islam. Mark., vol. 12, no. 4, pp. 794–812, 2020, doi: 10.1108/JIMA-12-2019-0252.
[8] F. N. Latifah, M. R. Maika, and M. Masruchin, “Pembukuan dalam Perspektif Islam Studi Kasus Pembukuan Bagi Wirausaha Pemula Ibu Rumah Tangga Desa Kenongo,” Perisai Islam. Bank. Financ. J., vol. 1, no. 2, p. 117, 2017, doi: 10.21070/perisai.v1i2.878.

Diterbitkan

2025-09-10

Terbitan

Bagian

Articles