A MICROFINANCE FACILITATION MODEL GROUNDED IN SHARIA VALUES FOR THE MUSLIM ENTREPRENEURS ASSOCIATION IN CENTRAL LAMPUNG

Authors

  • Gita Leviana Putri Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung
  • Pertiwi Utami Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung
  • Yaudil Hery Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung
  • Imron Taslim Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

DOI:

https://doi.org/10.36563/vd2bak51

Keywords:

financial readiness; , consumer protection; , contract suitability, business mentoring;, maqasid al Shariah

Abstract

Access to Islamic microfinance requires alignment between entrepreneurs’ financing needs, business readiness, contractual arrangements, and institutional responsibilities. This study develops a microfinance facilitation model grounded in Sharia values for a Muslim entrepreneurs’ association in Central Lampung, Indonesia. A qualitative descriptive approach was used to analyze interview summaries from seven purposively selected informants interviewed between July and September 2026: five association representatives, one Islamic banking informant, and one banking regulation and supervision informant. Thematic analysis and comparison across perspectives informed a conceptual synthesis drawing on Sharia values, maqasid al-Shariah, and value-based intermediation. Seven themes were identified: access to financing, financial literacy and administration, financing suitability, social networks and association support, market development, governance and consumer protection, and business sustainability as a synthesis across the interview themes. The findings suggest that financing needs are intertwined with recordkeeping, the separation of household and business finances, transaction characteristics, and marketing support. The proposed model comprises four core components—Sharia values, financing readiness, Islamic financing, and business empowerment—organized into seven proposed functional stages. The association facilitates preparation and mentoring, while authorized financial institutions independently assess applications and make financing decisions. The model establishes traceable links between interview themes, operational roles and activities, and limits of institutional responsibility. Its practical contribution is to guide support for financing readiness, consultation on contract suitability, and subsequent monitoring. The model remains a conceptual framework for operational use; its implementation, financial outcomes, and effectiveness have not been tested.

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References

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Published

2026-09-30

Issue

Vol. 5 No. 1 (2026)

Section

Articles

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Copyright (c) 2026 Gita Leviana Putri, Pertiwi Utami, Yaudil Hery, Imron Taslim

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How to Cite

A MICROFINANCE FACILITATION MODEL GROUNDED IN SHARIA VALUES FOR THE MUSLIM ENTREPRENEURS ASSOCIATION IN CENTRAL LAMPUNG. (2026). BEMJ: Business, Entrepreneurship, and Management Journal, 5(1), 289-302. https://doi.org/10.36563/vd2bak51