Pelatihan Manajemen Modal Qordhul Hasan Pendekatan Spiritual community pada Usaha Mikro Desa Rowosari, Kendal

Mutamimah Mutamimah, Lisa kartikasari, Indri Kartika

Abstract


Potensi ekonomi Desa Rowosari tinggi, namun akses permodalan terbatas, tidak ada agunan, dan risiko kredit tinggi. Oleh karena itu, mendesak untuk melaksanakan pengabdian kepada masyarakat dengan memberikan pelatihan Qordhul Hasan Pengelolaan Modal Pendekatan Spiritual Komunitas pada Usaha Mikro di Desa Rowosari Kecamatan Rowosari Kab. Kendal. Tujuan dari pengabdian kepada masyarakat ini adalah untuk menambah wawasan, pengetahuan dan keterampilan mengenai pengelolaan modal qordhul hasan, sehingga dapat meningkatkan kinerja usaha mikronya, dan tidak ada lagi risiko kredit. Qordhul hasan sangat tepat diberikan kepada usaha mikro non bankable, tidak mempunyai agunan dan tidak dikenakan bunga. Metode pengabdian masyarakat ini adalah: a). Survei awal untuk menggali potensi ekonomi dan permasalahan masyarakat di Desa Rowosari, Kecamatan. Rowosari, Kabupaten Kendal. B). Pelatihan Manajemen Modal Qordhul Hasan Menggunakan Pendekatan Spiritual Komunitas pada Usaha Mikro di Desa Rowosari Kecamatan Rowosari Kab. Kendal. C). Pemantauan dan evaluasi Qordhul. Pelatihan pengelolaan modal Hasan. Hasil penelitian menunjukkan bahwa tingkat pengetahuan dan keterampilan qordhul hasan pengelolaan modal pelaku usaha mikro di Desa Rowosari Kec. Rowosari, Kab. Kendal meningkat, sehingga kinerja usaha usaha mikro meningkat.

The economic potential of Rowosari village is high, but it has limited capital acces, no collateral, and high credit risk. So, it is urgent to carry out community service by providing Qordhul Hasan Capital Management training with a Spiritual community Approach to Micro Business in Rowosari Village, Rowosari District, Kab. Kendal. The aim of this community service is to increase insight, knowledge and skills regarding qordhul hasan capital management, so that they can improve the performance of their micro businesses, and there will be no more credit risk. Qordhul hasan is very appropriate to be given to non-bankable micro businesses, do not have collateral and no interest. This community service method is: a). Initial survey to explore the economic potential and problems of the community in Rowosari Village, District. Rowosari, Kendal District. b). Qordhul Hasan Capital Management Training Using a Spiritual community Approach for Micro Business in Rowosari Village, Rowosari District, Kab. Kendal. c). Monitoring and evaluating of Qordhul Hasan capital management training. The results show that the level of knowledge and skills of qordhul hasan capital management of micro business actors in Rowosari Village, Kec. Rowosari, Kab. Kendal increases, so that the business performance of micro businesses increases.


Keywords


Pelatihan; Bisnis Mikro; Qardhul Hasan; Manajemen Modal; Komunitas Rohani

Full Text:

PDF

References


Amin, H., Ghazali, M. F. & Supinah, R. (2010). Determinants of Qardhul Hassan financing acceptance among Malaysian bank customers: An empirical analysis. International Journal of Business and Society, 11(1), 1–16.

Czerwonka, L. & Jaworski, J. (2021). Capital structure determinants of small and medium-sized enterprises: evidence from Central and Eastern Europe. Journal of Small Business and Enterprise Development, 28(2), 277–297. https://doi.org/10.1108/JSBED-09-2020-0326

Damanhur, D. & Utami, W. (2020). Analisis dampak pembiayaan Qardun Hasan terhadap kesejahteraan pedagang di Aceh. E-Mabis: Jurnal Ekonomi Manajemen Dan Bisnis, 21(2), 155–163. https://doi.org/10.29103/e-mabis.v21i2.606

Fauziah, H. & Anam, K. (2021). The development of community spirituality through the assembly of shalawat. Journal of Islamic Studies Institute for Research and Community Service (LP2M), 11(November), 2021.

Hasanah, S. (2018). Analisis pengelolaan Qardhul Hasan UMKM sebagai pemberdayaan ekonomi masyarakat (Studi pada El-Zawa UIN Malang). In Etheses of Maulana Malik Ibrahim State Islamic University. http://etheses.uin-malang.ac.id/id/eprint/12041

Kokeyeva, S., Hájek, P. & Adambekova, A. (2022). Small firms’ capital structure and performance. Ikonomicheski Izsledvania, 31(4), 128–144.

Kong, Y., Donkor, M., Musah, M., Nkyi, J. A. & Ampong, G. O. A. (2023). Capital structure and corporates financial sustainability: Evidence from listed Non-Financial Entities in Ghana. Sustainability (Switzerland), 15(5), 1–20. https://doi.org/10.3390/su15054211

Kurt, Y., Sinkovics, N., Sinkovics, R. R. & Yamin, M. (2020). The role of spirituality in Islamic business networks: The case of internationalizing Turkish SMEs. Journal of World Business, 55(1), 101034. https://doi.org/10.1016/j.jwb.2019.101034

Machfudz, M. & Kamila, N. (2019). Empowerment of small businesses through the implementation of Qardhul Hasan Financing. Journal of Socioeconomics and Development, 2(2), 99–106. https://doi.org/10.31328/jsed.v2i2.1077

Miranti, T. & Oktaviana, U. K. (2022). Effect of capital structure on financial sustainability of Sharia Public Financing Bank (BPRS). Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam, 6(01), 137. https://doi.org/10.30868/ad.v6i01.2301

Nini, N., Patrisia, D. & Nurofik, A. (2020). The effect of capital structure on company financial performance. Jurnal Economia, 16(2), 173–183. https://doi.org/10.21831/economia.v16i2.30661

Nugraheni, P. & Muhammad, R. (2023). The optimisation of Qardhul Hasan management in Islamic banking: enhancing its role in empowering the community. Journal of Enterprising Communities. https://doi.org/10.1108/JEC-08-2022-0113

Prasetyowati, R. A. (2017). Persepsi bank-bank syariah terhadap produk Qardhul Hasan di Indonesia (Perception of the islamic banks toward the Qardhul Hasan products in Indonesia). Jurnal Manajemen, 8(2), 74–87. http://ejournal.uika-bogor.ac.id/index.php/manajemen

Priyono, S., Istiqomawati, R. & Setyawan, I. (2022). Analisis pembiayaan Qardhul Hasan dalam meningkatkan kesejahteraan hidup anggota ditinjau dari perspektif islam. Equilibrium: Jurnal Ilmu Manajemen, 2(2), 8–13.

Strain, D. (2015). The spiritual community. The Spiritual Naturalist Society. https://www.snsociety.org/the-spiritual-community/

Utomo, S. D., Kumalasari, M. A. & Machmuddah, Z. (2017). Financial performance, audit delay and firm values banking in Indonesia. Jurnal Keuangan Dan Perbankan, 21(2), 312–320.

Widiyanto, Mutamimah & Hendar. (2011). Effectiveness of qard al-hasan financing as a poverty alleviation model. Economic Journal of Emerging Markets, 3(1), 27–42.

Zauro, N. A., Saad, R. A. J. & Sawandi, N. (2016). Determinants of Qardhul Hassan financing acceptance in Nigeria. The European Proceedings of Social & Behavioural Sciences Ep SBS, November, 775–781. https://doi.org/10.15405/epsbs.2016.08.109




DOI: http://dx.doi.org/10.30659/ijocs.5.2.239-246

Refbacks

  • There are currently no refbacks.


Copyright (c) 2023 Mutamimah Mutamimah, Lisa kartikasari, Indri Kartika

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

slot gacor slot