Sharia-Based Cooperatives: Empowering Indonesian Workers in Pulau Pinang, Malaysia

Ina Indriana, Muhamad Taqi, Tri Lestari, Windu Mulyasari, Andini Ekasari, Irawati Irawati, Imam Hidayat, Nawang Kalbuana

Abstract


The sharia cooperative formation assistance programme for the Indonesian migrant worker (TKI) community in Pulau Pinang, Malaysia, implemented by the Faculty of Economics and Business, Sultan Ageng Tirtayasa University, is a strategic international community service effort in providing sustainable solutions for economic management based on sharia principles. In three days, 50 participants who are MSME players from various sectors and are members of the Pertubuhan Masyarakat Indonesia di Pulau Pinang (PERMAI) participated in a series of intensive seminars and workshops on the main concepts of sharia cooperatives, such as profit-sharing systems (mudharabah), business cooperation (musyarakah), and efforts to avoid the practice of riba, gharar, and maysir. The participants were given an in-depth understanding of the practical steps of establishing a cooperative, from forming the establishment committee, drafting the articles of association, collecting initial capital, to opening an account at an Islamic bank. In addition, to strengthen the competitiveness of cooperatives in the digital era, participants were also introduced to the application of digital marketing strategies aimed at expanding the market network and increasing the visibility of Islamic cooperatives. While the programme succeeded in providing applicable insights and concrete steps in the establishment of cooperatives, the main challenges faced were limited understanding of Islamic financial terminology as well as limited access to Islamic financial services in Pulau Pinang. The programme proved to have a positive impact in improving the economic capacity of the community, with the hope of continued mentoring and ongoing collaboration with Islamic financial institutions in Malaysia, to ensure the sustainability and development of Islamic cooperatives as an inclusive economic model that can sustainably empower migrant workers.

Keywords


Sharia Cooperatives, Digital Marketing, Economic Empowerment, Islamic Financial Services, MSME Development

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References


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DOI: http://dx.doi.org/10.52155/ijpsat.v48.2.6911

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