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Sharia Oikonomia Law JournalSharia Oikonomia Law Journal

The aim of the research is the implementation of Sharia-based BUMDes in Kalatiri Village, Burau District, East Luwu Regency. The research seeks to review and change the conventional system into a Sharia-based BUMDes system, providing certainty regarding savings and loan contracts. The obstacles faced include a lack of public knowledge regarding financial language and manual financial reporting. The solution involves using a survey method and direct application of murabahah and mudharabah contracts. An evaluation will be conducted to determine the success of the sharia-based BUMDes by reviewing understanding of financial reports, Islamic economic contracts, and the growth and development of BUMDes businesses.

Based on the research results, the implementation of BUMDes Kalatiri has been running well, encompassing initial procedures, business surveys, guarantees, and credit agreements aligned with Sharia principles.The BUMDes faces challenges related to financial literacy and the adoption of modern financial management systems.The implementation of the marketing mix (4Ps) is crucial for the continued development and expansion of BUMDes Kalatiris business and community recognition.

Penelitian lebih lanjut perlu dilakukan untuk menguji efektivitas berbagai model kontrak syariah yang lebih kompleks dalam operasional BUMDes, seperti musyarakah atau istisna, guna meningkatkan fleksibilitas dan daya tarik bagi masyarakat. Selain itu, studi komparatif antara BUMDes berbasis syariah dengan BUMDes konvensional perlu dilakukan untuk mengidentifikasi perbedaan signifikan dalam kinerja keuangan, dampak sosial, dan tingkat inklusi keuangan masyarakat. Terakhir, penelitian mengenai pengembangan aplikasi digital atau platform keuangan berbasis syariah yang dirancang khusus untuk BUMDes dapat membantu meningkatkan efisiensi operasional, transparansi, dan aksesibilitas layanan keuangan bagi masyarakat pedesaan, serta memfasilitasi pengawasan dan pelaporan yang lebih akurat dan terpercaya. Penelitian-penelitian ini diharapkan dapat memberikan wawasan yang lebih mendalam tentang potensi dan tantangan pengembangan BUMDes berbasis syariah dalam mendorong kemandirian ekonomi dan kesejahteraan masyarakat di tingkat desa.

  1. Implementation of Sharia-Based BUMDes on Economic Development and Growth in Kalatiri Village, Burau District... doi.org/10.55849/solj.v2i2.969Implementation of Sharia Based BUMDes on Economic Development and Growth in Kalatiri Village Burau District doi 10 55849 solj v2i2 969
  2. BUMDes Syariah sebagai Solusi Pembangunan Perekonomian Syariah Desa yang Berkeadilan | Sundari | IQTISHODUNA.... ejournal.uin-malang.ac.id/index.php/ekonomi/article/view/13311BUMDes Syariah sebagai Solusi Pembangunan Perekonomian Syariah Desa yang Berkeadilan Sundari IQTISHODUNA ejournal uin malang ac index php ekonomi article view 13311
  3. Tinjauan Teoritis Laporan Keuangan Badan Usaha Milik Desa (BUMDES) Berbasis Syariah | Harto | Jurnal... doi.org/10.35836/jakis.v6i2.4Tinjauan Teoritis Laporan Keuangan Badan Usaha Milik Desa BUMDES Berbasis Syariah Harto Jurnal doi 10 35836 jakis v6i2 4
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