Journal of Universal Community Empowerment Provision

Implementation of Principles, Innovations, and Challenges in the Development of Islamic Finance in Indonesia

2025-05-07T10:59:53+07:00

Islamic finance is an alternative economic system that is growing rapidly in Indonesia, based on Islamic principles such as the prohibition of usury, fairness in transactions, transparency, and social responsibility. This paper examines the main principles of the Islamic financial system, including the prohibition of usury and gharar, as well as the application of ethical and moral values in financial activities. In addition, this article also discusses various innovative Islamic financial products such as sukuk, microfinance, and Islamic insurance, which are designed to meet the needs of the community while still upholding Islamic principles. Despite significant growth, this industry still faces a number of challenges, including limited regulations that support innovation, low public literacy, tight competition with conventional systems, and a lack of competent human resources. Through a descriptive-analytical approach, this study shows that consistent application of Islamic principles, adaptive regulatory support, and increasing human resource capacity are the keys to strengthening and sustaining the Islamic financial system in Indonesia. This research is expected to be an academic contribution to the development of more inclusive and sustainable Islamic economic theory and practice.

Financial Management Literacy at the Takmir and Taklim Assembly of the Nurul Islam Kalangtubung Sudiang Makassar Mosque

2025-05-27T15:08:28+07:00

This Community Service activity aims to enhance financial literacy among Takmir (mosque administrators) and Majelis Taklim (Islamic study groups) to improve their financial management skills and accountability within the mosque. As non-profit religious organizations, mosques require proper financial governance to ensure the effective use of funds and foster public trust. The program focuses on addressing three core issues: (1) lack of awareness among mosque administrators and Majelis Taklim regarding the importance of financial accountability to the congregation; (2) limited knowledge of basic accounting principles for preparing financial reports; and (3) insufficient understanding of financial reporting as a key accountability tool.

The activity began with a pre-survey to identify specific challenges faced by the target groups. A pre-test was then conducted through interviews to evaluate participants’ initial knowledge of mosque financial management. The main activities included socialization, financial literacy education, Excel-based bookkeeping training, and mentoring. A post-test was also carried out to assess improvements in participants’ understanding. The program was implemented on Saturday, March 19, 2025, from 09:30 to 16:00 WITA at the Nurul Islam Kalantubung Mosque in Sudiang, Makassar City, with 25 mosque administrators and Majelis Taklim members participating. As a result of the training, participants demonstrated enhanced knowledge of financial management, gained the ability to prepare structured financial reports using Excel, and increased transparency and accountability. This led to a boost in public trust toward the mosque's financial governance.

Healthy Environmental Movement "Tree Planting In Coastal Areas," Dairi Regency, North Sumatra

2025-08-01T11:52:23+07:00

A healthy and sustainable environment is a fundamental need for the survival of humans and other living things. However, various human activities such as deforestation, pollution, and urbanization have threatened the balance of the ecosystem. Tree Plants will help in maintaining the balance of nature and the surrounding ecosystem so that it will reduce the Negative Impact on Human Health. This Community Service Activity aims to provide Education to the Community and support the preservation of Nature as a vital source in maintaining the balance of the ecosystem and a healthy quality of life. The implementation method is to use a collaborative and participatory approach, emphasizing the importance of the involvement of synergy of various resources, expertise and experience in overcoming complex problems found, collaboration is considered the key to producing better results by combining various perspectives and resources. Community Participation can directly meet the real needs of the Community in a sustainable manner. With good environmental management and the availability of natural resources, it can create a healthy quality of life and the sustainability of the ecosystem in the future.

Empowering MSMEs through Digital Marketing Training for Recipients of Ummul Mukminin Aisyiyah Micro Waqf Bank Capital to Increase Competitiveness in the Digital Market

2025-08-15T17:06:47+07:00

As the country with the largest Muslim population in the world, Indonesia has great potential in developing the sharia economy, including strengthening the microfinance sector. Bank Waqf Mikro (BWM) is present as a sharia-based inclusive financial instrument aimed at supporting micro-enterprises around Islamic boarding schools (pesantren). However, low digital literacy and limited access to technology-based marketing remain major challenges for beneficiaries. This community service activity aims to increase the digital capacity of MSMEs assisted by BWM Ummul Mukminin Aisyiyah Makassar through digital marketing training and mentoring programs. Initial results show a 32% increase in participants' understanding of digital marketing concepts based on pre- and post-tests. As many as 85% of participants have successfully uploaded products to social media and marketplaces, although they still require further guidance. In addition, BWM's active involvement as a partner in the recruitment process, moral guidance, and evaluation, significantly contributed to the program's success. Future plans include intensive mentoring through one-on-one coaching, monitoring the program's impact through surveys and sales tracking, and developing a replication blueprint for MSMEs assisted by Aisyiyah in other regions. These findings strengthen the argument that digital training integrated with Sharia-based empowerment can be an effective strategy for increasing the competitiveness of MSMEs. With the support of the right ecosystem, similar programs can become models for sustainable economic empowerment in the era of digital transformation.