Strategi Modal dan Pemasaran dalam Pengembangan Ekonomi Lokal: ‎Perspektif Ekonomi Islam

Rizky Hamdala Putra, Muhammad Yusuf Bahtiar, Is Susanto


Abstract


Penelitian ini bertujuan untuk mengkaji dan menganalisis implementasi strategi permodalan dan pemasaran berbasis ekonomi Islam dalam meningkatkan kesejahteraan komunitas nelayan. Strategi permodalan mencakup skema pembiayaan seperti qard hasan dan mudharabah, sedangkan strategi pemasaran berfokus pada penerapan prinsip halal dan pemanfaatan teknologi digital. Penelitian ini mengintegrasikan pendekatan literasi keuangan syariah, keterlibatan koperasi berbasis syariah, dan kebijakan pemerintah dalam mendorong inklusi keuangan di komunitas pesisir. Penelitian ini menggunakan desain penelitian kualitatif dengan pendekatan deskriptif-analitis. Data dikumpulkan melalui observasi langsung, wawancara mendalam dengan nelayan dan pemangku kepentingan terkait, serta analisis dokumentasi. Peneliti menggunakan analisis tematik untuk mengolah data yang diperoleh dari komunitas nelayan di Kelompok Nelayan Perikanan Tangkap Gudang Lelang, Kota Bandar Lampung. Hasil penelitian menunjukkan bahwa strategi permodalan berbasis syariah, seperti qard hasan dan mudharabah, memiliki dampak signifikan terhadap produktivitas dan stabilitas ekonomi nelayan. Selain itu, pemasaran berbasis teknologi digital memungkinkan nelayan untuk menjangkau pasar yang lebih luas, meningkatkan margin keuntungan, dan mengurangi ketergantungan pada tengkulak. Namun, tantangan seperti rendahnya literasi keuangan syariah dan keterbatasan akses terhadap teknologi masih menjadi hambatan utama. Dengan dukungan yang tepat melalui edukasi, investasi teknologi, dan kebijakan yang mendorong inklusi keuangan berbasis syariah, strategi ini berpotensi menghasilkan dampak sosial dan ekonomi yang lebih berkelanjutan.

Keywords


Strategi Permodalan, Pemasaran Halal, Ekonomi Islam, Literasi Keuangan Syariah

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References


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DOI: https://doi.org/10.30743/mutlaqah.v5i2.10755

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