STRATEGI SUPPLY-CHAIN MURABAHAH UNTUK PENGEMBANGAN INDUSTRI GENTENG DI JARINGAN USAHA KPPS NURI SAMPANG KOTA
DOI:
https://doi.org/10.46773/8m312e37Keywords:
Supply-Chain Murabahah, Small-Scale Roof Tile Industry, KSPPS Nuri.Abstract
This research is motivated by the supply chain inefficiencies in the small-scale roof tile industry in Sampang, stemming from the atomistic murabahah financing pattern employed by KSPPS Nuri Jatim Sampang City Branch. This approach focuses solely on individual artisans without addressing the upstream and downstream links, leading to raw material supply uncertainty, price volatility, and weak competitiveness. Using a qualitative case study method involving interviews, observation, and document analysis, this study aims to formulate an integrated financing strategy. The findings map the fragile supply chain and propose a Supply-Chain Murabahah model that transforms the role of KSPPS Nuri from a mere funding provider to an active integrator. The model involves establishing a Cluster Development Team to coordinate linked murabahah schemes: financing for raw material suppliers to ensure stock and financing for artisans specifically tied to purchasing from this guaranteed supply. Implementation is recommended through a limited pilot project leveraging the existing high social capital. In conclusion, this model has the potential to create systemic stability, collective efficiency, and enhance the competitiveness of the fostered roof tile industry, while also contributing to the development of the Islamic Supply Chain Finance concept at the microfinance level.
References
Alshater, M. M., Saba, I., Supriani, I., & Rabbani, M. R. (2022). Fintech in islamic finance literature: A review. Heliyon, 8(9), e10385. https://doi.org/10.1016/j.heliyon.2022.e10385
Bals, C. (2019). Toward a supply chain finance (SCF) ecosystem – Proposing a framework and agenda for future research. Journal of Purchasing and Supply Management, 25(2), 105–117. https://doi.org/10.1016/j.pursup.2018.07.005
Braun, V., & Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77–101. https://doi.org/10.1191/1478088706qp063oa
Creswell, J. W., & Poth, C. N. (2017). Qualitative Inquiry and Research Design: Choosing Among Five Approaches. SAGE Publications.
Cummings, T. G., & Worley, C. G. (2014). Organization Development and Change. Cengage Learning.
Djumadi, Syah, A., Hamida, Mujahidin, & Kamiruddin. (2025). Critical Review of Murābaḥah Financing in Contemporary Islamic Banking: A Maqāṣid al-Sharī‘ah Perspective. MILRev: Metro Islamic Law Review, 4(2), 1152–1188. https://doi.org/10.32332/milrev.v4i2.11087
Egaña, F., Pezoa-Fuentes, C., & Roco, L. (2021). The Use of Digital Social Networks and Engagement in Chilean Wine Industry. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1248–1265. https://doi.org/10.3390/jtaer16050070
Eisenhardt, K. M., & Tabrizi, B. N. (1995). Accelerating Adaptive Processes: Product Innovation in the Global Computer Industry. Administrative Science Quarterly, 40(1), 84–110. https://doi.org/10.2307/2393701
Fan, T., Tao, F., Deng, S., & Li, S. (2015). Impact of RFID technology on supply chain decisions with inventory inaccuracies. International Journal of Production Economics, 159, 117–125. https://doi.org/10.1016/j.ijpe.2014.10.004
Fithriyah, I., Sayyi, A., Alenesi, A. S. H. G., Agustina, L., & Al-Manduriy, S. M. (2025). Application of Sigmund Freud Psychoanalytic Theory in Overcoming Anxiety and Learning Difficulties of Students. Al-Ihath: Jurnal Bimbingan Dan Konseling Islam, 5(2), 91–109. https://doi.org/10.53915/jbki.v5i2.580
Fitriyani, Y., & Lidasan, M. S. (2023). Determinant of Qard: Evidence from Indonesian Islamic Rural Banks. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 14(2), 93–114. https://doi.org/10.18326/muqtasid.v14i2.93-114
Fukuyama, F. (1995). Trust: The Social Virtues and the Creation of Prosperity. Free Press.
Gelsomino, L. M., de Boer, R., Steeman, M., & Perego, A. (2019). An optimisation strategy for concurrent Supply Chain Finance schemes. Journal of Purchasing and Supply Management, 25(2), 185–196. https://doi.org/10.1016/j.pursup.2018.07.004
Gioia, D. A., Corley, K. G., & Hamilton, A. L. (2013). Seeking qualitative rigor in inductive research: Notes on the Gioia methodology. Organizational Research Methods, 16(1), 15–31. https://doi.org/10.1177/1094428112452151
Güney, N. (2024). Maqāsid al-Sharī‘a in Islamic Finance: A Critical Analysis of Modern Discourses. Religions, 15(1), 114. https://doi.org/10.3390/rel15010114
Hasan, R., Hassan, M. K., & Aliyu, S. (2020). Fintech and Islamic Finance: Literature Review and Research Agenda. International Journal of Islamic Economics and Finance (IJIEF), 3(1), 75–94. https://doi.org/10.18196/ijief.2122
Hassan, M. K., & Aliyu, S. (2018). A contemporary survey of islamic banking literature. Journal of Financial Stability, 34, 12–43. https://doi.org/10.1016/j.jfs.2017.11.006
Iphofen, R., & Tolich, M. (2018). The SAGE Handbook of Qualitative Research Ethics. SAGE.
Kuanova, L. A., Sagiyeva, R., & Shirazi, N. S. (2021). Islamic social finance: A literature review and future research directions. Journal of Islamic Accounting and Business Research, 12(5), 707–728. https://doi.org/10.1108/JIABR-11-2020-0356
Ledgerwood, J., Earne, J., & Nelson, C. (2013). The New Microfinance Handbook: A Financial Market System Perspective. World Bank Publications.
Lisnaeni, L., Handoko, L. H., & Lubis, A. T. (2023). Unraveling Islamic Social Finance Accounting Research: Bibliometric Analysis and Systematic Literature Review (SLR). Jurnal Akuntansi Dan Keuangan Islam, 11(2, Oktober), 205–232. https://doi.org/10.35836/jakis.v11i2.552
Mary, H., Firta, W., & Indriyenni. (2025). Pengaruh Pembiayaan Murabahah Terhadap Pertumbuhan Ekonomi Pada Sektor Perdagangan Di Indonesia. Journal of Science Education and Management Business, 4(2), 411–417. https://doi.org/10.62357/joseamb.v4i2.660
Meadows, D. (2008). Thinking in Systems: International Bestseller. Chelsea Green Publishing.
Miles, M. B., Huberman, A. M., & Saldana, J. (2013). Qualitative Data Analysis: A Methods Sourcebook. SAGE Publications.
Nurmahadi, N., & Setyorini, C. T. (2018). Maqasid Syariah Dalam Pengukuran Kinerja Lembaga Keuangan Syariah di Indonesia. JAS (Jurnal Akuntansi Syariah), 2(1), 29–55. Retrieved from https://www.ejournal.isnjbengkalis.ac.id/index.php/jas/article/view/130
Palinkas, L. A., Horwitz, S. M., Green, C. A., Wisdom, J. P., Duan, N., & Hoagwood, K. (2015). Purposeful sampling for qualitative data collection and analysis in mixed method implementation research. Administration and Policy in Mental Health, 42(5), 533–544. https://doi.org/10.1007/s10488-013-0528-y
Pangestu, L. C. (2025). Analisis Risiko Rantai Pasokan pada Industri Gerabah pada PT. Timboel (Universitas Gadjah Mada). Universitas Gadjah Mada. Retrieved from https://etd.repository.ugm.ac.id/penelitian/detail/260316
Rahayu, N. S. (2020). The Intersection of Islamic Microfinance and Women’s Empowerment: A Case Study of Baitul Maal Wat Tamwil in Indonesia. International Journal of Financial Studies, 8(2), 37. https://doi.org/10.3390/ijfs8020037
Riyadi, F. M. (2025). Implementasi Akad Murabahah Dalam Perbankan Syariah di Indonesia. Socius: Jurnal Penelitian Ilmu-Ilmu Sosial, 2(12). Retrieved from https://ojs.daarulhuda.or.id/index.php/Socius/article/view/1682
Rohman, P. S., Laila, N., & Shofawati, A. (2022). The Role of Islamic Microfinance Institutions in Poverty Reduction: A Study of Scopus Indexed Journal Literature: Peranan Institusi Keuangan Mikro Syariah Dalam Pengentasan Kemiskinan: Studi Literatur Jurnal Terindeks Scopus. Perisai : Islamic Banking and Finance Journal, 6(2), 113–123. https://doi.org/10.21070/perisai.v6i2.1581
Safitri, F., Syifa, F., Aliza, P. N., & Kamal, H. (2025). PENGEMBANGAN ISLAMIC SUPPLY CHAIN FINANCE MELALUI AKAD PEMBIAYAAN MURABAHAH PADA PLATFORM FINTECH SYARIAH DI INDONESIA. AT TIRMIDZI, 2(2), 26–40. Retrieved from https://e-journal.stai-almaliki.ac.id/index.php/ekonomisyariah/article/view/315
Sayyi, A., Afandi, Fithriyah, I., & Masrufah. (2025). Pembelajaran Fikih Humanistik Program M2KD untuk Moderasi Beragama Santri Mambaul Ulum Pamekasan. KUTTAB, 9(2), 308–328. https://doi.org/10.30736/ktb.v9i2.2609
Sayyi, A., Asmuki, W. J., Alimin, M., & Fithriyah, I. (2025). Bridging Tradition and Multiculturalism in Islamic Jurisprudence Education. Retrieved from https://ejournal.insuriponorogo.ac.id/index.php/scaffolding/article/view/8002
Sayyi, A., Muslimin, A. A., Afandi, Fithriyah, I., Al-Manduriy, S. M., & Alanesi, A. S. H. G. (2025). Child-Friendly Education Model for Violence Prevention in Islamic Boarding Schools. Al-Hayat: Journal of Islamic Education, 9(4), 800–820. https://doi.org/10.35723/ajie.v9i4.187
Senge, P. M. (2006). The Fifth Discipline: The Art & Practice of The Learning Organization. Crown.
Supriadi, I., Fatchurrohman, M., Maghfiroh, R. U., & Abadi, R. (2025). Reconstructing Islamic Finance Through Maqashid Shariah and Green Economy: An Agent-Based Adaptive Model. International Journal of Islamic Finance, 3(2), 83–109. https://doi.org/10.14421/ijif.v3i2.2801
Vanni, K. M., Yahya, M., Murtadho, A., & Faizah, F. N. (2025). Sharia-compliant financing as fiscal policy instrument: An Islamic economic approach to budget deficit management. Journal of Islamic Economics Management and Business (JIEMB), 7(1), 1–24. https://doi.org/10.21580/jiemb.2025.7.1.26208
Wuttke, D. A., Blome, C., & Henke, M. (2013). Focusing the financial flow of supply chains: An empirical investigation of financial supply chain management. International Journal of Production Economics, 145(2), 773–789. https://doi.org/10.1016/j.ijpe.2013.05.031
Yin, R. K. (2017). Case Study Research and Applications: Design and Methods. SAGE Publications.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Siti Masriyah
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
