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This study aims to map the strengths, weaknesses, opportunities, and threats (SWOT) of each village within Awangpone Subdistrict to formulate a strategic model for enhancing the local economy in alignment with the Sustainable Development Goals (SDGs) 2030. Employing a qualitative field research design, the study integrates interdisciplinary, theological, and development economics approaches. Data were collected through questionnaires, interviews, direct observation, and documentation. The analysis follows Miles and Huberman’s interactive model, encompassing data reduction, data display, and conclusion drawing. The SWOT analysis reveals that the coordinates fall within Quadrant I, indicating that strengths outweigh weaknesses and opportunities surpass threats. Accordingly, the recommended strategy is the Strength-Opportunity (S-O) approach, which emphasizes leveraging internal strengths to capitalize on external opportunities. This strategy is deemed most effective for stimulating local economic growth and accelerating SDG achievement. Internal constraints identified include underutilized tourism potential and limited access to sharia-compliant financing mechanisms. External threats comprise weak partnership collaborations and limited foreign investment engagement. While several SDG targets—such as education and community participation—have shown promising progress, others remain underdeveloped, particularly in infrastructure development and equitable access to justice for rural populations. The findings underscore the importance of context-sensitive, multi-sectoral strategies that integrate local wisdom, theological values, and economic principles. The proposed strategic model offers a practical roadmap for village-level economic empowerment, contributing to inclusive and sustainable development. This research provides actionable insights for policymakers, development practitioners, and local stakeholders seeking to optimize village potential and foster resilience in rural economies.

This study discusses the implementation of Murabahah contracts in pension financing products at Islamic Banks in Indonesia. This study aims to examine the procedures, mechanisms, characteristics, and obstacles faced in the implementation of Murabahah contracts in pension financing. The research method uses a literature approach and field observation to obtain data and information related to the financing process. The results of the study indicate that the pension financing procedure based on the Murabahah contract has been running in accordance with sharia principles and applicable regulations, starting from submission, document verification, feasibility assessment, to disbursement of funds through the wakalah mechanism. The characteristics of pension financing emphasize the certainty of payment through direct autodebit from pension funds. However, there are several obstacles such as limited customer understanding, regulations that are not yet specific, and the complexity of administrative procedures. This study recommends increasing sharia literacy and strengthening regulations to support the development of sustainable sharia pension financing.

The role of Islamic banks in distributing funds to MSMEs in Cikarang is crucial for strengthening the local economy. By offering financing products based on Sharia principles such as murabahah, musharakah, and mudharabah, Islamic banks provide capital solutions for MSMEs while upholding the principles of justice and risk-sharing. A qualitative review of the literature indicates that the involvement of Islamic banks can enhance access to capital, improve business productivity, and foster long-term relationships between banks and entrepreneurs. The main issues identified include a lack of understanding of Sharia principles among MSMEs and credit-related risks. The recommendations from this study include increasing Sharia education, simplifying contractual procedures, and strengthening the role of supporting institutions.

This study discusses the implementation of Murabahah contracts in pension financing products at Islamic Banks in Indonesia. This study aims to examine the procedures, mechanisms, characteristics, and obstacles faced in the implementation of Murabahah contracts in pension financing. The research method uses a literature approach and field observation to obtain data and information related to the financing process. The results of the study indicate that the pension financing procedure based on the Murabahah contract has been running in accordance with sharia principles and applicable regulations, starting from submission, document verification, feasibility assessment, to disbursement of funds through the wakalah mechanism. The characteristics of pension financing emphasize the certainty of payment through direct autodebit from pension funds. However, there are several obstacles such as limited customer understanding, regulations that are not yet specific, and the complexity of administrative procedures. This study recommends increasing sharia literacy and strengthening regulations to support the development of sustainable sharia pension financing.

There is a large correlation between its economic development and a country’s capital market. The capital market connects individuals with potential investments and helps businesses obtain the necessary financing. The way investors view a company’s growth potential is reflected in its stock valuation. Stock price fluctuations are influenced by several factors, including effective Good Corporate Governance (GCG), capital structure, and financial performance. By examining the impact of GCG, financial performance, and capital structure, this study aims to provide clearer guidelines on how companies in the financial sector of the IDX can influence stock prices from 2020 to 2024. The quantitative method used is multiple linear regression analysis. The study found that stock values ​​were significantly influenced by these three factors, both separately and when combined. These three variables explain a quarter of the variance in stock prices (measured by the Adjusted R² value of 0.256), while the remaining variation is due to variables outside this study. Whether you are an investor or a business leader, these findings can help you make better financial and governance choices and will pave the way for further research.

This study aims to analyze the effectiveness of funding sourced from Danantara—a digital platform that manages state investment with funding support from state-owned bank customers—in supporting the acceleration of national development. In the context of state investment, collaboration between the Investment Management Institution (LPI) and state-owned financial institutions is important as a form of fiscal innovation and expansion of non-APBN financing sources. The method used is a qualitative descriptive approach with literature studies from various scientific journals and related laws and regulations. The results of the study show that Danantara has the potential to be a reliable, flexible, and sustainable long-term funding instrument. Through funds collected from state-owned bank customers, state investment can be focused on strategic sectors such as infrastructure, energy, and digitalization. However, its effectiveness is still faced with regulatory challenges, transparency of governance, and public literacy regarding state investment mechanisms. For this reason, it is necessary to strengthen regulations and synergy between financial institutions, as well as increase public trust so that Danantara can function optimally as the main supporter in realizing fiscal independence and national economic growth.

Social and economic inequality in Indonesia is a multidimensional challenge that is not only reflected in the gap in income and wealth, but also in unequal access to education, health, and economic opportunities. The conventional economic system is considered ineffective in overcoming the problem of fair distribution of wealth, thus widening the gap between the rich and the poor. This article aims to analyze the concept of distributive justice in Islamic economics as a solution to social inequality in Indonesia, by highlighting the synergy of zakat, waqf, sharia financing instruments, and the role of government and society. The method used is a systematic literature review with a qualitative-narrative approach to various related academic works. The results of the study show that the application of the principle of distributive justice in Islamic economics through the optimization of zakat, waqf, and alms, as well as strengthening sharia economic regulations and literacy, can reduce social inequality and improve community welfare. The implementation of an inclusive and sustainable Islamic distribution model can reduce the Gini coefficient and strengthen social solidarity, although it still faces challenges in terms of regulation, literacy, and institutional coordination. The conclusion of the study confirms that Islamic economics offers concrete and holistic solutions to overcome social inequality in Indonesia through the integration of divine values, community participation, and state policies that support distributive justice.

This study aims to analyze the effectiveness of murabahah financing distribution on net profit growth at Bank BJB Syariah KCP Lippo Cikarang. The background of the study is based on the importance of murabahah financing as one of the main products of Islamic banks in supporting profit growth, as well as the need to ensure that the distribution of financing runs effectively and has a positive impact on the bank's financial performance. This study uses a qualitative method with a case study approach, where data is collected through in-depth interviews and internal bank documentation. The results of the study indicate that the distribution of murabahah financing at Bank BJB Syariah KCP Lippo Cikarang has been running effectively, marked by a consistent increase in net profit during the study period. This finding indicates that optimizing the murabahah financing distribution process can be an important strategy in increasing the profitability of Islamic banks. The implication of this study is the need to strengthen the financing monitoring and evaluation system so that the effectiveness of distribution is maintained and is able to provide maximum contribution to the growth of the bank's net profit.

The purpose of this research is to analyze the effect of financial ratios on financial distress in Islamic Commercial Banks in Indonesia. This study uses determinants financial distress that isDebt Ratio (DR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Return On Equity (ROE), and Operating Expenses Operating Income (BOPO). The population of this study is all Islamic Commercial Banks in Indonesia. The sample taken is the quarterly financial reports of Islamic commercial banks for 9 periods, namely the 2016-2024 period using the purposive sampling and using panel data binary logistic regression testing techniques. Based on the research conducted, the results show that Debt Ratio (DR), Non Performing Financing (NPF), Return On Equity (ROE), and Operational Expenses Operating Income (BOPO) have an effect on financial distress. Whereas Financing to Deposit Ratio (FDR) has no effect on financial distress.

This study examines the impact of murabahah contracts on profitability in the Islamic banking sector in Indonesia, especially in Islamic Commercial Banks. In this study, Return on Assets is used as the main indicator to measure the level of bank profitability. Multiple linear regression is used to empirically test the relationship between murabahah financing and Return on Assets. The results of the study indicate that murabahah financing has a significant and positive effect on Return on Assets. This indicates that the higher the level of murabahah financing disbursed, the greater the increase in profitability of Islamic Commercial Banks. This finding strengthens the evidence in previous literature regarding the importance of the role of Islamic financing product strategies in improving the results of Islamic banking financial institutions. As a result, this study emphasizes the importance of optimizing financing strategies based on murabahah contracts as a major component in the product portfolio of Islamic Commercial Banks. Therefore, to improve competitiveness, efficiency, and create sustainable financial stability in the national Islamic banking system, it is necessary to develop and implement more effective and efficient murabahah contracts by all Islamic banking institutions in Indonesia and work well by all Islamic banking institutions in Indonesia.

Risk control mechanisms in murabahah and mudharabah financing are implemented to anticipate potential risks arising from the customer's position. The objective is to uphold sharia principles while ensuring that the mitigation efforts by Sharia Rural Financing Banks (BPRS) provide advantages for both the bank and the wider community, particularly the customers. This qualitative case study investigates BPRS Madina in Yogyakarta. The findings reveal that BPRS Madina adopts several approaches to mitigate risks in murabahah and mudharabah financing. First, it verifies the completeness of financing documents using available data sources. Second, it checks for any history of problematic financing by the customer. Third, when necessary, the bank conducts restructuring to minimize risk. Additionally, BPRS Madina carries out risk control measures based on DSN MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah Financing and No. 07/DSN-MUI/IV/2000 on Mudharabah. While Islamic financial institutions do not inherently require guarantees in financing, they are permitted to request collateral to prevent losses. This collateral is not intended to ensure full compliance with the contract terms but rather to safeguard the return of the capital provided. Lastly, the risk management strategies employed by BPRS Madina for murabahah and mudharabah financing are deemed effective, as less than 1% of customers currently encounter issues, and operational risks remain well-managed.    

This research intends to assess the influence of sharia reform on the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, focusing on key sectors that underpin the national economy. This article employs quantitative methods and secondary data acquired via digital literature research to offer the most recent findings from many sources, including OJK publications, Bank Indonesia, and certified scientific journals. The study's results demonstrate that sharia-compliant principles, including mudharabah, musyarakah, and murabahah, substantially enhance the development, prosperity, and strength of MSMEs. Mudharabah, musyarakah, or murabahah substantially enhance the development, prosperity, and strength of MSMEs. This research provides significant insights for the advancement of equitable and sustainable finance within the Indonesian Islamic economic framework.

This study aims to determine how much bank financing/credit for micro, small, and medium enterprises can affect Indonesia's economic growth. The results of this study indicate that financing or credit for MSMEs affects economic growth both positively and negatively.

The increasing needs of life encourage people to seek funds from various sources, including those that are not in accordance with sharia principles such as interest and loan shark practices. In facing this challenge, Baitul Maal wat Tamwil (BMT) emerged as a sharia-based microfinance alternative that rejects the element of usury and emphasizes justice and blessings. The purpose of this study is to examine the application of sharia principles in financing activities at BMT, as well as analyze the challenges and opportunities for development, especially in Padangsidimpuan City. The method used in this research is a descriptive qualitative approach by conducting literature studies and case studies at BMT Insani. The findings of the research show that BMT has implemented sharia contracts such as murabahah and mudharabah in its financing activities. However, there are still some obstacles such as competition from conventional financial institutions, limited human resources, and low financial literacy among the community. Nevertheless, BMTs have significant opportunities to grow through increased education, product innovation, and strengthening of institutional structures.

MSMEs play a vital role in national economic growth through job creation and poverty reduction. This literature study analyzes the contributions and challenges of MSMEs in the digital era. The results show that MSMEs make a significant contribution to GDP and community welfare, but face obstacles such as limited access to financing, low digital literacy, and technological and managerial limitations. Collaboration between the government, the private sector, and the community is needed to strengthen human resources, expand access to funding, and encourage the adoption of digital technology so that MSMEs can compete in the digital economy.

Financial management in educational institutions in schools is something very important in supporting the quality of education. To realize quality education, professional financial management is needed, so that problems related to school finances can be managed effectively and as efficiently as possible to support a quality learning process. The purpose of this study is to find out how to apply financial management in educational institutions in SD Negeri 17 Cegek. The data collection techniques used in this study were through observation, interviews, and documentation. The data analysis technique uses descriptive analysis. The results of the analysis show that SD Negeri 17 Cegek has implemented professional financial management and in accordance with theory, namely implementing education financing planning, education financing sources, implementation or implementation of education financing, accountability and evaluation of education financing. With these results, overall activities related to financial management management at SD Negeri 17 Cegek are in accordance with the regulations set by the government.

This paper explores the potential of integrating Sharia-compliant financial technology (fintech) innovations with sukuk issuance to drive sustainable infrastructure development in emerging economies. With the rise of digital transformation and the increasing focus on sustainable development, the Islamic financial system provides a unique opportunity to reconcile financial innovation with ethical principles. The study highlights how Sharia fintech platforms, such as crowdfunding and blockchain, can enhance the efficiency, transparency, and accessibility of sukuk as a financial instrument. At the same time, sukuk addresses the significant financing gap in infrastructure development while adhering to Islamic principles, such as avoiding riba (interest), gharar (uncertainty), and maysir (speculation). Through a comprehensive literature review and empirical analysis, this research identifies the gaps in existing approaches to financing sustainable infrastructure in emerging economies and proposes a novel integration framework. Findings suggest that the convergence of Sharia fintech and sukuk can facilitate financial inclusion, attract a broader investor base, and accelerate infrastructure financing. Furthermore, this integration supports the achievement of the Sustainable Development Goals (SDGs) by ensuring that financial tools align with social justice and environmental stewardship. This study contributes to the growing body of knowledge on Islamic finance by providing actionable insights for policymakers, financial institutions, and fintech developers. It emphasizes the importance of regulatory frameworks and cross-sector collaboration to unlock the full potential of Sharia-complian

The development of financing practices with fiduciary guarantees in Indonesia often raises legal issues, especially regarding the unilateral withdrawal of credit objects by creditors against defaulting debtors. This action is often carried out without the consent of the debtor or a court decision, thus potentially violating the principles of justice and the principle of due process of law. This research aims to analyze the form of legal protection for debtors in a fiduciary financing agreement. The type of research used is normative juridical with an approach to legislation and court decisions. The results showed that the act of unilateral withdrawal can be categorized as a civil and criminal tort. Therefore, regulatory reform, increased legal literacy, and a fair and humanist dispute resolution mechanism are needed. It is recommended that fiduciary execution be carried out in accordance with legal procedures to protect the debtor's constitutional rights and ensure fairness in contractual relationships.

This study aims to analyze the extent to which Sharia principles can stabilize the micro, small, and medium enterprises (MSME) market through the framework of Islamic demand and supply theory. In conventional economic systems, price fluctuations and market instability are common challenges for MSMEs. In contrast, Islamic economics offers a value-based approach that emphasizes honesty, justice, the prohibition of exploitation, and the concept of fair pricing (tsaman al-mitsli). This research employs a library research method by reviewing primary and secondary sources, including scholarly journals, classical Islamic economic texts, and recent empirical studies. The findings indicate that implementing Sharia principles fosters market stability through the reinforcement of business ethics, transparent information, and the utilization of Islamic instruments such as zakat, infaq, and profit-sharing-based financing. Furthermore, the concept of barakah (blessing) in transactions strengthens consumer loyalty and business resilience. This study concludes that Sharia principles are not only normative but also practical and strategic in addressing the challenges of market instability in the MSME sector. However, this research is limited to theoretical analysis and lacks empirical field data; therefore, future research employing quantitative or case study approaches is strongly recommended.

Study This analyze the role of Waqf Bank Micro (BWM) in increase performance of MSMEs in Surabaya, with capitalization as variable mediation . Focus main covers access financing , human resource development, and literacy finance, using approach quantitative through survey against 90 MSME actors fostered by BWM Al- Fithrah Wava Mandiri . Analysis using SEM with SmartPLS 4.0 shows that third variable influential significant to performance of MSMEs, both in a way direct and through capitalization . Capitalization become the most dominant mediator ( coefficient 0.581; p-value 0.000). Findings This confirm role BWM doubles as institution financing and empowerment . In theoretical , results This support theory Resource-Based View (RBV) and its importance financing accompanied by strengthening capacity business in a way holistic.