Ekonomia: Jurnal Ekonomi Syariah

Feasibility Study Digitalisasi Ibbien Mall Electronic (IME) Sebagai Penekanan Peredaran Uang Tunai Santri Persepektif Maslahah

Dwiki Candra Putra — Tue, 25 Jul 2023 00:00:00 +0700

Feasibility Study Digitalisasi Ibbien Mall Elektronic (IME) Sebgai Penenkanan Peredaran Uang Tunai Santri Studi Kasus Di Pondok Pesantren AL-Muhibbin (Maslahah Persepektif Izzudin Ibnu Abdissalam). Penelitian ini bertujuan untuk mengkaji kelayakan digitalisasi Ibbiem Maal Electronic IME sebagai alat untuk mengurangi peredaran uang tunai di kalangan santri, dengan studi kasus di Pondok Pesantren Bumi Damai Al-Muhibbin. Dalam konteks ini, konsep Maslahah menurut Izzuddin Ibnu Abdi Salam dijadikan perspektif utama dalam analisis. Metode penelitian yang digunakan meliputi analisis kualitatif melalui wawancara mendalam dengan pihak pesantren, santri, dan ahli syariah. Hasil penelitian menunjukkan bahwa digitalisasi IME memiliki potensi besar dalam meningkatkan efisiensi pengelolaan keuangan di pesantren, mengurangi risiko kehilangan uang, serta meningkatkan transparansi dan akuntabilitas. Dari perspektif Maslahah, digitalisasi ini dinilai membawa banyak manfaat maslahah seperti keamanan finansial, kemudahan akses, dan pengurangan aktivitas non-produktif yang terkait dengan penggunaan uang tunai. Namun, terdapat beberapa tantangan yang perlu diatasi, termasuk kesiapan infrastruktur teknologi dan literasi digital di kalangan santri. Secara keseluruhan, studi ini menyimpulkan bahwa digitalisasi IME layak diterapkan di Pondok Pesantren Bumi Damai Al-Muhibbin dengan beberapa penyesuaian dan persiapan tambahan untuk memastikan kelancaran implementasi dan penerimaan oleh seluruh pihak terkait.

Efektivitas Pengembangan UMKM Melalui Pembiayaan Lembaga Keuangan Syariah dan Kredit Lembaga Keuangan Konvensional

Moh Husni Mabhubul Khiyar — Sat, 22 Jul 2023 00:00:00 +0700

One of the most important components when starting a business and developing a business is capital. The most important capital in starting a business is financial. So many business actors take their business capital from financial institutions, credit for conventional banks and financing for Islamic banks. The capital loan system for both has many similarities starting from the system, installments and loan freezing. Creditor data recorded as of 2020 distributed by conventional banks in Indonesia reached IDR 5,481.56 trillion, and credit provided by Islamic banks in Indonesia reached IDR 377 trillion, which is 6.44% of the total credit provided by general and Islamic banks. The problem or unique thing discussed in this thesis is the increase in business actors after taking capital from conventional banks and Islamic banks. The method used by the researcher is a qualitative case study using individual objects or individual businesses. The data collection uses observation, interview, and documentation techniques. The results of the study show that business actors take business capital from financing from Islamic financial institutions and credit from conventional financial institutions. From these capital loans, business actors show their existence that capital loans from financing and credit are effective in helping business actors to start and even develop their businesses. With the calculation of the solvency ratio, business actors show an increase in the last 4 years starting from 2020-2023.

Keywords: effectiveness, business development, financial institutions.

Praktik Filantropi di Malaysia

Iffatul Jannah — Wed, 19 Feb 2025 00:00:00 +0700

Aid funds in Malayasia have enormous potential to realize prosperity and social justice in society, especially from mandatory and voluntary aid funds for Muslims. Social generosity today is usually called philanthropic activity. However, in some condition this is not achieved due to a lack of public awareness to channel financial assistance to authorized institutions, resulting in distribution of funds that is not accommodated and balanced among the community. The aim of this research is to explain the extent to which philanthropic institutions in Malaysia help create a prosperous and prosperous country through the management of Zakat, Waqf and Infaq funds. This is done to help the State overcome various problems that occur in educational, economic and social aspects. This research is qualitative research with a phenomenological approach. The role of philanthropic institutions is carried out through the Selangor Zakat Institution (LZS), Property Development Coordinating Waqf (Jawatan Pengelaras Pembangunan Harta Waqf), JAWHAR (Jabatan Wakaf Zakat dan Hajj), Malaysian Waqf Foundation (YWM) under the supervision of the State Islamic Religious Council (MAIN) and the Foundation Infaq Malaysia (YIM).

Strategi Promosi dalam Meningkatkan Jumlah Anggota KSPPS BMT PETA Cabang Jombang

Muhammad Sony Septian, Muhammad Musyafa' — Sun, 02 Jul 2023 00:00:00 +0700

Financial institutions in Indonesia are very diverse, ranging from the well-known aka the existence of extension to the archipelago such as BNI or BRI, there are also medium-term financial institutions in existence such as BMT because their reach is not as big as the BNI institution. In maintaining the existence of this outreach, a strategy must be used to promote the institution. In this case, the promotion must be able to attract people's suggestions so that it can easily attract new customers with a number of promising investments. In the preparation of this thesis, the author uses a qualitative type method where the method is more prominent in the stage of developing meaning based on field studies. The data obtained were based on direct observation, interviews, and field descriptions as well as several book sources that were in accordance with the existing field facts. The data analysis phase used in this research includes, data collection, data reduction, data presentation and conclusion drawing. The object in this research The results of the research that have been carried out show that the promotional strategy used by KSPPS BMT PETA is more prominent in the aspect of picking up the ball but does not rule out strategies in other financial institutions including sales promotion, social media and so on. This strategy in its implementation tends to be very synchronized with the condition of the local community, this is shown by the appreciation of the community in the form of the many who take part as customers. The reality on the ground shows that the strategy used is aimed at balancing the competitiveness between financial institutions, both conventional and non-conventional, aka muamalat.

Strategi Pengembangan Usaha Peternakan Bebek Hibrida

M. Rouf Fatoni, Davit Amir Dzulqurnain — Mon, 03 Jul 2023 00:00:00 +0700

This research aims to analyze the strategies used by the Pawon Bebek farming business in Sendanghaji Village, Merakurak District, Tuban Regency, in developing its economy. The method used is descriptive qualitative, with a focus on an in-depth understanding of the strategies implemented by the farm. Data was collected through interviews and observations of business owners as well as analysis of related documents. The research results show that a product specialization approach is the key to success for this business. Focusing on duck meat production as the main product has helped the farm gain a competitive edge in the market. In addition, partnerships with local retailers also make an important contribution in expanding marketing reach and strengthening relationships with surrounding communities. However, there is potential to increase the use of more measurable marketing strategies, especially in utilizing online platforms. By maintaining strategies that have been proven effective and continuing to innovate according to market needs, Pawon Bebek has a great opportunity to continue to develop and become a leader in the duck farming industry in its region. In conclusion, the strategy used by the Pawon Bebek farming business has an important role in developing the local economy and makes a positive contribution to the growth of the business and the surrounding community.