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Gustaman
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Religion Education

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Journal : Jurnal Ekonomi Syariah Pelita Bangsa

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Application of the Mudharabah Contract in Sharia Microfinancing in Rural Areas Yudiyanto, Mohamad; Hasanudin; Gustaman; Alfiah, Mila
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 8 No. 01 (2023): JESPB Edisi April 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v8i01.1686

Abstract

Microfinance is an important solution to overcome economic problems in rural areas. Microfinance offers small loans to individuals or groups that do not have access to conventional financial services. This study aims to analyze the application of mudharabah contracts in Sharia microfinance in rural areas. The research method used is library research with a qualitative approach. The results of the study show that the mudharabah contract provides access to capital to rural communities who often experience limitations in obtaining financing from conventional financial institutions. With capital support and profit-sharing principles, micro enterprises in rural areas can develop, create jobs, and increase people's incomes. The implementation of mudharabah contracts in sharia microfinance in rural areas has great potential to encourage local economic growth and improve community welfare. By addressing existing challenges through the right strategies, the program can be successful and sustainable, providing significant benefits to rural communities by sharia principles. Support from various parties, including the government, Islamic financial institutions, and the public, is urgently needed to achieve this goal.
Sharia-based Financial Intelligence for Children and Adolescents Nurishlah, Laesti; Gustaman; Hermansyah, Yus; Nurfitria, Desi
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 8 No. 01 (2023): JESPB Edisi April 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v8i01.1689

Abstract

Sharia-based financial intelligence for children and adolescents includes aspects of Islamic values education, character development, preparation for the economic future, equitable financial inclusion, financial risk management, and continuing education. This study aims to analyze Sharia-based financial intelligence for children and adolescents. The research method used is library research with a qualitative approach. The results of the study show that the potential for intelligence of children and adolescents in understanding sharia-based finance is very large, considering their ability to learn and absorb information from an early age. Children and adolescents tend to have the ability to grasp new concepts and information quickly. This allows them to understand the basic principles of Sharia economics such as the prohibition of usury, the concept of profit-sharing-based financing, and the importance of social responsibility in financial management. Children and adolescents can develop awareness about the importance of sharing wealth with others through zakat, infaq, and sadaqah. This not only teaches them about social responsibility but also strengthens their bonds with the community and society at large. By making optimal use of this potential, children and adolescents can become a Shariah-based financially educated generation, able to make wise and sustainable financial decisions by Islamic values.
Co-Authors Alfiah, Mila Hasanudin Hermansyah, Yus Nurfitria, Desi Nurishlah, Laesti Yudiyanto, Mohamad