Edukasi pembiayaan qordhul hasan untuk meningkatkan kinerja bisnis UMKM Annisa36, Kelurahan Candi, Kec. Candisari, Kota Semarang

Mutamimah Mutamimah; Hanif Ahmadi; Dedi Rusdi

doi:10.61251/cej.v4i2.390

Authors

Mutamimah Mutamimah Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Islam Sultan Agung, Semarang, Indonesia https://orcid.org/0000-0002-4139-1955
Hanif Ahmadi Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Islam Sultan Agung, Semarang, Indonesia
Dedi Rusdi Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Islam Sultan Agung, Semarang, Indonesia

DOI:

https://doi.org/10.61251/cej.v4i2.390

Keywords:

Kemiskinan, Keterbatasan Modal, Qordhul Hasan, UMKM

Abstract

Kemiskinan di Jawa Tengah merupakan masalah yang belum terselesaikan hingga saat ini. Salah satu upaya untuk menurunkan kemiskinan adalah dengan pemberdayaan ekonomi melalui Usaha Mikro Kecil Menengah (UMKM). Namun mayoritas UMKM, termasuk UMKM Annisa36 masih mengalami keterbatasan akses modal, sehingga menghambat untuk pengembangan bisnisnya. Walaupun ada kreditur yang bersedia meminjami modal, namun pinjaman modal harus melalui rentenir tanpa jaminan/collateral, dengan biaya bunga yang sangat memberatkan. Oleh karena sangat urgent dilakukan edukasi pembiayaan skema Qordhul Hasan bagi UMKM Annisa36, Kec. Candi, Kota Semarang. Pembiayaan Qordhul Hasan sebagai sangat tepat diberikan kepada UMKM non bankable, yang tidak memerlukan jaminan, tanpa bunga dan selanjutnya peminjam hanya mengembalikan dana dengan cara diangsur sebesar nilai modal yang dipinjam sehingga tidak memberatkan bagi UMKM. Tujuan pengabdian masyarakat ini adalah untuk meningkatkan pengetahuan, pemahaman, dan keterampilan terkait pembiyaan modal dengan skema Qordhul Hasan bagi UMKM Annisa36, Keluarahan Candi, Kec. Candisari Kota Semarang. Metode pengabdian masyarakat, antara lain: a) Survey awal untuk mengetahui potensi dan permasalahan bisnis UMKM Annisa36, Kel. Candi, Kec. Candisari, Kota Semarang. b) Penyampaian materi Edukasi Pembiayaan skema Qordhul Hasan kepada UMKM Annisa36, Kel. Candi, Kec. Candisari, Kota Semarang, dan c) Monitoring dan penilaian kinerja terhadap hasil edukasi pembiayaan skema Qordhul Hasan. Hasilnya menunjukkan bahwa setelah dilakukan edukasi, pendampingan, serta monitoring dan evaluasi, terbukti bahwa UMKM Annisa36, Kel. Candi, Kec. Candisari, Kota Semarang mempunyai pengetahuan, pemahaman dan keterampilan mekanisme pembiayaan qordhul hasan. Dengan kemudahan akses modal ini, UMKM dapat berkembang dan bertahan dalam jangka panjang.

Poverty in Central Java remains an unresolved problem. One effort to reduce poverty is economic empowerment through Micro, Small, and Medium Enterprises (MSMEs). However, the majority of MSMEs, including Annisa36, still experience limited access to capital, hampering their business development. Although creditors are willing to lend capital, these loans must be obtained through loan sharks without collateral, with very burdensome interest rates. Therefore, it is urgent to educate the Annisa36 MSMEs in Candi District, Semarang City, about the Qordhul Hasan financing scheme. Qordhul Hasan financing is highly appropriate for non-bankable MSMEs, as it requires no collateral and is interest-free. The borrower then repays the funds in installments equal to the amount of the loan, thus minimizing the burden on the MSME. The purpose of this community service is to increase knowledge, understanding, and skills related to capital financing under the Qordhul Hasan scheme for the Annisa36 MSME in Candi Village, Candisari District, Semarang City. The community service methods include: a). An initial survey to determine the business potential and challenges of the Annisa36 MSME, Candi Subdistrict, Candisari District, Semarang City. b) Delivery of educational materials on financing under the Qordhul Hasan scheme to the Annisa36 MSME, Candi Subdistrict, Candisari District, Semarang City. c) Monitoring and performance assessment of the results of the Qordhul Hasan financing education. The results showed that after educating, mentoring, monitoring, and evaluation, the Annisa36 MSME, Candi Subdistrict, Candisari District, Semarang City, has the knowledge, understanding, and skills to operate the Qordhul Hasan financing mechanism. With this easy access to capital, MSMEs can grow and survive in the long term.

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