SOSIALISASI KONSEP DAN PRODUK KEUANGAN SYARIAH SEBAGAI ALTERNATIF PEMBIAYAAN BAGI MASYARAKAT KELURAHAN TEBING TINGGI KECAMATAN TEBO TENGAH

Abstract

This community service activity aims to enhance the understanding and financial literacy of sharia finance among the residents of Tebing Tinggi Village. Limited access to information and a lack of education are key factors causing the community to be reluctant or hesitant to utilize sharia financial services. Yet, various sharia financial products, such as home ownership financing (Sharia Mortgage), business capital, and sharia savings and investments, can be a solution for the community's financial needs without involving usury (riba) or practices that are not sharia-compliant.Therefore, this community service activity, in the form of sharia finance socialization, is highly relevant and urgent to implement. The limited public knowledge about the concepts, principles, and products of sharia finance often becomes an obstacle in harnessing the potential of the sharia economy. Through interactive lectures, discussions, and brochure distribution, this socialization introduces the fundamental differences between conventional and sharia finance, as well as various leading products like murabahah, mudharabah, musyarakah, and ijarah, which can be halal and sustainable financing alternatives. The activity's results show an increase in community enthusiasm and understanding of sharia finance, which is expected to encourage active participation in the development of the local sharia economy.