ANALISIS PERAN BUMDes dan UMKM DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT DESA CIMANUK DALAM PERSPEKTIF EKONOMI ISLAM (STUDI: DI DESA CIMANUK KECAMATAN WAY LIMA KABUPATEN PESAWARAN)

ALI, RAHMAT (2026) ANALISIS PERAN BUMDes dan UMKM DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT DESA CIMANUK DALAM PERSPEKTIF EKONOMI ISLAM (STUDI: DI DESA CIMANUK KECAMATAN WAY LIMA KABUPATEN PESAWARAN). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Pembangunan ekonomi pedesaan merupakan pilar utama dalam mewujudkan kesejahteraan masyarakat yang berkelanjutan melalui optimalisasi potensi lokal. Badan Usaha Milik Desa (BUMDes) dan Usaha Mikro, Kecil, dan Menengah (UMKM) berperan sebagai instrumen strategis untuk menciptakan lapangan kerja dan kemandirian ekonomi. Penelitian ini bertujuan untuk menganalisis kontribusi BUMDes dan UMKM di Desa Cimanuk, Kecamatan Way Lima, Kabupaten Pesawaran, dalam meningkatkan kesejahteraan warga melalui lensa Ekonomi Islam. Penelitian ini menggunakan metodologi kualitatif dengan pendekatan deskriptif analitis. Data dihimpun melalui wawancara mendalam, observasi partisipatif terhadap unit usaha, serta studi dokumentasi laporan keuangan. Proses analisis data dilakukan melalui tahap reduksi, penyajian data, dan verifikasi untuk memastikan keabsahan temuan terkait sinkronisasi praktik ekonomi desa dengan prinsip syariah. Hasil penelitian mengungkapkan bahwa sejak berdiri tahun 2017, BUMDes Cimanuk memberikan dampak signifikan terhadap perekonomian lokal. Program unggulan berupa pembiayaan modal syariah tanpa bunga dan pendampingan sektor peternakan terbukti meningkatkan pendapatan serta kemandirian warga. Dalam perspektif Ekonomi Islam, operasional BUMDes telah mengintegrasikan nilainilai keadilan, transparansi, dan prinsip ta’awun (tolong-menolong) dengan menghindari praktik riba. Namun, efektivitas program masih terhambat oleh keterbatasan permodalan, lemahnya manajemen sumber daya manusia, serta kurangnya inovasi produk. ABSTRACT Rural economic development serves as a primary pillar in realizing sustainable community welfare through the optimization of local potential. Village-Owned Enterprises (BUMDes) and Micro, Small, and Medium Enterprises (UMKM) act as strategic instruments to create employment opportunities and economic independence. This study aims to analyze the contribution of BUMDes and UMKM in Cimanuk Village, Way Lima Subdistrict, Pesawaran Regency, in improving community welfare through the lens of Islamic Economics. This research employs a qualitative methodology with a descriptiveanalytical approach. Data were gathered through in-depth interviews, participatory observation of business units, and documentation studies of financial reports. The data analysis process involved data reduction, data display, and verification to ensure the validity of findings regarding the synchronization of village economic practices with Sharia principles. The results reveal that since its establishment in 2017, BUMDes Cimanuk has had a significant impact on the local economy. Superior programs, such as interest-free Sharia-based capital financing and assistance for the livestock sector, have proven effective in increasing community income and independence. From an Islamic Economic perspective, BUMDes operations have integrated the values of justice, transparency, and the principle of ta'awun (mutual cooperation) while avoiding usury (riba). However, program effectiveness is still hindered by capital constraints, weak human resource management, and a lack of product innovation. This study recommends the need for enhancing managerial capacity and business diversification to ensure the role of BUMDes in improving community welfare remains optimal, transparent, and sustainable.

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