{"id":28965,"date":"2025-08-27T08:32:33","date_gmt":"2025-08-27T01:32:33","guid":{"rendered":"https:\/\/news.ums.ac.id\/id\/?p=28965"},"modified":"2025-08-27T08:32:33","modified_gmt":"2025-08-27T01:32:33","slug":"guru-besar-ums-kupas-strategi-bisnis-syariah-literasi-digital-dan-inovasi-pembiayaan-anti-riba","status":"publish","type":"post","link":"https:\/\/news.ums.ac.id\/id\/berita\/guru-besar-ums-kupas-strategi-bisnis-syariah-literasi-digital-dan-inovasi-pembiayaan-anti-riba\/","title":{"rendered":"Guru Besar UMS Kupas Strategi Bisnis Syariah, Literasi Digital dan Inovasi Pembiayaan Anti-Riba"},"content":{"rendered":"

ums.ac.id, SURAKARTA<\/a> \u2013 Lebih dari 80% pelaku UMKM Muslim di Indonesia masih terjebak pada pembiayaan konvensional berbasis riba. Fakta tersebut mengkhawatirkan dan berpotensi menjerumuskan mereka dalam lingkaran utang tidak sehat.<\/p>\n

Tingkat literasi keuangan syariah pun masih rendah, hanya 30% secara nasional, bahkan di provinsi Aceh yang sudah menerapkan sistem ekonomi syariah yang hanya mencapai 20,21%. Kondisi ini menurut Prof. Muhammad Sholahuddin, S.E., M.Si., Ph.D., mencerminkan rapuhnya fondasi kewirausahaan Muslim yang kian kering dari nilai spiritual.<\/p>\n

\u201cBanyak pelaku usaha merasa cashflow mereka lancar karena utang berbunga, padahal sebenarnya mereka sedang membayar kepastian dengan ketidakpastian. Ibarat bayi yang dipaksa dewasa dengan suntikan dana, tumbuh cepat tapi rapuh secara fundamental,\u201d jelas Sholahuddin saat Jumpa Pers, Selasa (26\/8) di Dapur Solo UMS.<\/p>\n

Ia menegaskan bahwa bisnis hari ini semakin permisif: uang dianggap penguasa tertinggi, segala cara dihalalkan, dan kesadaran akan halal-haram mulai terpinggirkan.<\/p>\n

\u201cBisnis bukan sekadar untung rugi, tapi soal surga dan neraka. Islamic entrepreneurship harus membangun ekosistem bisnis yang adil, maslahat, dan memberdayakan umat,\u201d tegasnya.<\/p>\n

Sebagai solusi, Sholahuddin memperkenalkan \u201cModel Coaching dan Mentoring Rasulullah\u201d, dengan tiga strategi utama:
\nRevitalisasi coaching spiritual berbasis akhlak dan profesionalisme \u2013 Melahirkan wirausahawan Muslim yang amanah dan bernilai ibadah.
\nDigitalisasi literasi muamalah syariah \u2013 Materi praktis dan inklusif untuk meningkatkan pemahaman UMKM.<\/p>\n

Inovasi pembiayaan syirkah berbasis teknologi \u2013 Alternatif adil pengganti riba, berbasis mudharabah-musyarakah, yang mampu meningkatkan pendapatan secara berkelanjutan.<\/p>\n

Untuk mendukung gagasannya, ia juga meluncurkan inovasi digital, di antaranya:
\n1. Model Pembinaan Rasulullah untuk UMKM \u2013 Mengintegrasikan literasi syariah, spiritual coaching, dan pembiayaan syirkah.
\n2. Faslun.id \u2013 Learning Management System* kewirausahaan syariah dengan modul muamalah dan simulasi bisnis halal.
\n3. KasirMu \u2013 Aplikasi kasir halal-friendly untuk transaksi sesuai prinsip syariah dan klasifikasi produk halal.<\/p>\n

Dalam kesempatan tersebut, Guru Besar UMS itu menegaskan bahwa gelar profesor bukanlah sekadar prestise, melainkan amanah dari negara dan umat.<\/p>\n

\u201cGelar Prof ini bukan gelar kebanggaan, tapi amanah. Kebetulan saya diberi amanah sebagai satu-satunya profesor kewirausahaan syariah di Indonesia. Tugas saya memastikan wirausaha Muslim tumbuh dengan berkah, bukan terjerat riba,\u201d ungkapnya.<\/p>\n

Ia berpesan untuk meneguhkan kembali orientasi berwirausaha: \u201cKita hidup hanya menunggu waktu sholat. Maka bekerja dan berwirausaha dengan profesionalisme, akhlak, dan manfaat untuk umat adalah amal sholeh sambil menunggu waktu sholat.\u201d<\/p>\n

Selain Prof. Muhammad Sholahuddin, S.E., M.Si., Ph.D., UMS juga akan mengukuhkan 4 guru besar lainnya yaitu: (1) Prof. Muhammad Mujiburohman, S.T., M.T., Ph.D \u2013 Guru Besar bidang Teknologi Separasi. (2) Prof. Dr. Minsih, S.Ag, M.Pd \u2013 Guru Besar bidang Pendidikan Inklusi. (3) Prof. Dr. Yuli Kusumawati, SKM., M.Kes \u2013 Guru Besar bidang Promosi Kesehatan dan Ilmu Perilaku dan (4) Prof. Ir. Herry Purnama, M.T., Ph.D \u2013 Guru Besar bidang Teknologi Bersih dan Pengolahan Limbah. (Fika\/Humas)<\/p>\n","protected":false},"excerpt":{"rendered":"

ums.ac.id, SURAKARTA \u2013 Lebih dari 80% pelaku UMKM Muslim di Indonesia masih terjebak pada pembiayaan konvensional berbasis riba. Fakta tersebut mengkhawatirkan dan berpotensi menjerumuskan mereka dalam lingkaran utang tidak sehat. Tingkat literasi keuangan syariah pun masih rendah, hanya 30% secara nasional, bahkan di provinsi Aceh yang sudah menerapkan sistem ekonomi syariah yang hanya mencapai 20,21%. […]<\/p>\n","protected":false},"author":8,"featured_media":28966,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[154,11],"class_list":["post-28965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","tag-guru-besar","tag-terkini","entry","has-media"],"yoast_head":"\nGuru Besar UMS Kupas Strategi Bisnis Syariah, Literasi Digital dan Inovasi Pembiayaan Anti-Riba - Berita UMS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/news.ums.ac.id\/id\/berita\/guru-besar-ums-kupas-strategi-bisnis-syariah-literasi-digital-dan-inovasi-pembiayaan-anti-riba\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guru Besar UMS Kupas Strategi Bisnis Syariah, Literasi Digital dan Inovasi Pembiayaan Anti-Riba - Berita UMS\" \/>\n<meta property=\"og:description\" content=\"ums.ac.id, SURAKARTA \u2013 Lebih dari 80% pelaku UMKM Muslim di Indonesia masih terjebak pada pembiayaan konvensional berbasis riba. Fakta tersebut mengkhawatirkan dan berpotensi menjerumuskan mereka dalam lingkaran utang tidak sehat. Tingkat literasi keuangan syariah pun masih rendah, hanya 30% secara nasional, bahkan di provinsi Aceh yang sudah menerapkan sistem ekonomi syariah yang hanya mencapai 20,21%. 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Fakta tersebut mengkhawatirkan dan berpotensi menjerumuskan mereka dalam lingkaran utang tidak sehat. Tingkat literasi keuangan syariah pun masih rendah, hanya 30% secara nasional, bahkan di provinsi Aceh yang sudah menerapkan sistem ekonomi syariah yang hanya mencapai 20,21%. 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