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All Journal International Journal of Informatics and Communication Technology (IJ-ICT) International Journal of Advances in Applied Sciences At-Taradhi: Jurnal Studi Ekonomi Arabia: Jurnal Pendidikan Bahasa Arab BISNIS: Jurnal Bisnis dan Manajemen Islam EQUILIBRIUM IJIBE (International Journal of Islamic Business Ethics) I-ECONOMICS: A Research Journal on Islamic Economics EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Ziswaf : Jurnal Zakat dan Wakaf Jurnal Al-Qardh Jurnal Pendidikan Agama Islam (Journal of Islamic Education Studies) HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa Profetika FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Jurnal Pengabdian UntukMu NegeRI AL QUDS : Jurnal Studi Alquran dan Hadis Resona : Jurnal Ilmiah Pengabdian Masyarakat Jurnal TAM (Technology Acceptance Model) Adi Widya : Jurnal Pengabdian Masyarakat al-Afkar, Journal For Islamic Studies Al-Muzara'ah Journal of Islamic Economic Laws QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Journal of Indonesian Tourism, Hospitality and Recreation Iqtishoduna: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Indonesian Journal of Halal Research Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Azhar Journal of Islamic Economics Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Sustainable Tourism and Entrepreneurship Nusantara Science and Technology Proceedings Journal of Islamic Economics and Finance Studies AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Airlangga International Journal of Islamic Economics and Finance Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Halal Research Journal Jurnal Ar-Ribh Al-Muamalat : Jurnal Ekonomi Syariah Abdi Psikonomi Talaa : Journal of Islamic Finance Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Proceeding ISETH (International Summit on Science, Technology, and Humanity) International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) International Journal of Emerging Issues in Islamic Studies Velocity: Journal of Sharia Finance and Banking International Journal of Law and Society Imara: Jurnal Riset Ekonomi Islam Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Muhibbul Arabiyah: Jurnal Pendidikan Bahasa Arab JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Perbankan Syariah Jurnal TAM (Technology Acceptance Model) Al-Infaq : Jurnal Ekonomi Islam

Azhar Alam

Universitas Muhammadiyah Surakarta

Author-ID : 1014793

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Social Sciences Other

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An Assessment of Zakat Contributions for Productive Purposes to Empower the Mustahik Economy in the Face of the Covid-19 Pandemic Raisa Aribatul Hamidah; Azhar Alam; Arum Anggraeni; Renaldi Sahrul Nizam
ZISWAF Vol 8, No 2 (2021): ZISWAF: Jurnal Zakat dan Wakaf
Publisher : State Islamic Institute of Kudus (IAIN Kudus)

People have lost their jobs as a result of the Covid-19 pandemic, and many people are now living in poverty. Zakat is one of the Islamic pillars concerned with poverty reduction, particularly in the form of productive disbursement. The purpose of this research is to identify and assess the mechanisms and contributions of productive zakat to economic empowerment mustahik during the covid-19 pandemics. Zakat for productive purposes is wealth that enables the recipient to continuously create creativity using zakat funds. This study conducted in-depth interviews with three Zakat institution staff and seven mustahik who live in a low-income society and are economically impacted by covid-19. This study used the descriptive method, with data retrieval in this study using the interview method, followed by data analysis in the form of data reduction, data presentation, and conclusions. According to the findings of this study, there are still a limited number of Human Resources available for mustahik coaching and supervision at LAZISMU Pemalang. This paper discovered that not all mustahik use 100 percent of productive zakat funds to develop the business as hoped, but instead meet basic needs. Mustahik primarily requires more fulfillment with short-term benefits in order to sustain their lives.

Evaluasi Kurikulum Pembelajaran Berbasis Kebutuhan Masyarakat: Studi pada Program Sarjana Hukum Ekonomi Syariah Fauzul Hanif Noor Athief; Azhar Alam; Nurul Latifatul Inayati
Jurnal Pendidikan Agama Islam (Journal of Islamic Education Studies) Vol. 8 No. 2 (2020): December 2020
Publisher : UIN Sunan Ampel Surabaya

There are only few numbers of Islamic Economic Law program graduates that have been absorbed as industry practitioners. One of main focus for educational providers is the inadequate curriculum to support its graduates to get involved at any legal profession. Various studies related to the involvement of industry practitioners in curriculum development that are able to increase the absorption of alumni as practitioners are important starting points. This study seeks to solve problems related to what courses are required in a curriculum in order to be able to equip alumni with sufficient competencies. By using the ANP method which requires an industry expert as a respondent, we try to solve this problem. The number of respondents whose opinions were extracted was 10 consisting of practitioners of the legal profession, Islamic financial institutions and professional associations. The results of this study indicate that Legal Competence is the main highlight of the experts. Then Basic Arabic, Financial Statement Analysis, Fatwa Studies, Arbitration and Professional Ethics in the Law became the most important focus for additional courses outside the competencies agreed upon by the entire campus. As for the graduate profile, the most relevant based on the courses offered is Judges. Finally, the development that needs to be done to produce these graduates is Class Lectures.

MANAJEMEN WAKAF PRODUKTIF DAN TANTANGANNYA DI MAJELIS WAKAF DAN KEHARTABENDAAN PDM SURAKARTA Azhar Alam; Musliah Isnaini Rahmawati; Aditya Nurrahman
Profetika: Jurnal Studi Islam Vol. 23, No. 1, Juni 2022
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v23i1.16799

Waqf management is an important part in determining the economic progress of the people, including in a Muhammadiyah community organization. However, research related to waqf in Muhammadiyah is still smallThe purpose of this research is to find out the management of productive waqf in the Muhammadiyah Surakarta City Waqf and Assets Regional Leadership Council and to find out the obstacles experienced by the Surakarta City Muhammadiyah Regional Waqf and Asset Management Council in carrying out productive waqf activities. The research method used is descriptive qualitative. The types of data used are primary and secondary data. Primary data were obtained through interviews with three parties to the Surakarta City Waqf Welfare Council, two waqifs, and four waqf building administrators. The results of this study indicate that the management of productive waqf at the PDM Waqf Property Council of Surakarta City has been running according to the terms and pillars specified. According to Islamic law, the waqf process at the time of the contract for the transfer of waqf property is also carried out, namely by bringing two witnesses, reading the waqf pledge guided by PPAIW. The last stage is the issuance of waqf certificates as property belonging to the association. However, in this study, it was found that the obstacles experienced by the Waqf Wealth Council of PDM Surakarta City were the lack of public understanding of productive waqf so that it could cause waqf activities to run less than optimally. Another obstacle is financial problems because finance has an essential role in carrying out waqf activities. This study can be a reference for waqf institutions to prepare long-term strategies to deal with these obstacles.Pengelolaan wakaf merupakan bagian penting dalam menentukan kemajuan ekonomi umat termasuk dalam sebuah organisasi masyarakat Muhammadiyah. Namun demikian, penelitian terkait wakaf di Muhammadiyah masih berjumlah sedikit. Tujuan dari penlitian ini adalah untuk mengetahui pengelolaan wakaf produktif pada Majelis Wakaf Dan Kehartabendaan Pimpinan Daerah Muhammadiyah Kota Surakarta serta untuk mengetahui kendala yang dialami Majelis Wakaf Dan Kehartabendaan Pimpinan Daerah Muhammadiyah Kota Surakarta dalam melaksanakan kegiatan wakaf produktif. Metode penelitian yang digunakan adalah kualitatif deskriptif. Jenis data yang digunakan adalah data primer dan sekunder. Data primer diperoleh melalui wawancara kepada tiga pihak Majelis Wakaf Kehartabendaan PDM Kota Surakarta, dua orang pewakif, dan empat pengurus bangunan wakaf. Hasil dari penelitian ini menunjukkan bahwa pengelolaan wakaf produktif pada Majelis Wakaf Kehartabendaan PDM Kota Surakarta sudah berjalan sesuai dengan syarat dan rukun yang ditentukan. Proses perwakafan pada saat akad penyerahan harta benda wakaf juga dilakukan sesuai syariat Islam yaitu dengan membawa dua orang saksi, pembacaan ikrar wakaf dipandu oleh pihak PPAIW, kemudian tahap terakhir yaitu penerbitan sertifikat wakaf menjadi harta benda milik persyerikatan. Namun dalam penelitian ini ditemukan kendala yang dialami Majelis Wakaf Kehartabendaan PDM Kota Surakarta yaitu kurangnya pengertian masyarakat mengenai wakaf produktif sehingga dapat menyebabkan kegiatan perwakafan berjalan kurang maksimal. Kendala lainnya yaitu masalah keuangan, karena keuangan memiliki peran penting dalam menjalankan kegiatan perwakafan. Hal tersebut dapat menjadi referensi bagi Lembaga perwakafan untuk mempersiapkan strategi-strategijangka Panjang untuk menghadapi kendala-kendala tersebut.

Unsur Riba dalam Perbedaan Konsep Pinjaman Kredit Antara Rentenir dan Bank Plecit Azhar Alam; Yuli Tri Utami
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 1 (2021): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

ABSTRACT. This study explains the differences in credit loans between moneylenders and Plecit banks and explains the elements of usury that occur in Selorejo Village, Boyolali. This study used a qualitative approach by interviewing in-depth 12 people consisting of borrowers and lenders. This study analyzes the content of interviews and literature reviews. This study indicates differences in the two types of loans ranging from status, capital, guarantees, loan terms, time, interest, and penalties when due. This research also shows that the two types of loans made by moneylenders and Plecit banks contain Qordh and Jahiliyah riba. This study suggests the public prioritize loans from Islamic microfinance institutions to avoid usury. Keywords: Differences in the concept of loans, loan sharks, Bank Plecit, Riba ABSTRAK. Penelitian ini menjelaskan tentang perbedaan konsep pinjaman kredit antara rentenir dan bank Plecit serta penjelasan unsur riba di dalamnya yang terjadi di Desa Selorejo, Boyolali. Penelitian ini menggunakan pendekatan kualitatif dengan mewancarai secara mendalam 12 orang yang terdiri dari pihak peminjam dan pemberi pinjaman. Penelitian ini menganalisi konten dari hasil wawancara dan kajian literatur Hasil penelitian ini menunjukkan bahwa terdapat perbedaan dalam kedua jenis pinjaman tersebut mulai dari status, permodalan, jaminan, syarat pinjaman, waktu, bunga dan hukuman bila jatuh tempo. Penelitian ini juga menunjukkan bahwa kedua jenis pinjaman yang diakukan rentenir dan bank Plecit sama-sama mengandung jenis riba Qordh dan riba Jahiliyah. Penelitian ini menyarankan masyarakat untuk memprioritaskan pinjaman yang dari lembaga keuangan mikro syariah sehingga terhindar dari riba. Kata kunci: Perbedaan Konsep Pinjaman, Rentenir, Bank Plecit, Riba

Perbandingan Program Zakat Produktif antara BAZNAS dan LAZISMU Kota Surakarta Lukmanul Hakim; Azhar Alam; M. Mus’ab At-Thariq; Dedi Junaedi; M. Rizal Arsyad
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 3 (2021): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

This study aims to compare the productive zakat program between Baznas Surakarta City and Lazismu Surakarta City and to study the disadvantages and advantages of these zakat institutions in distributing productive zakat. This research uses descriptive qualitative research methods. Sources of data obtained by in-depth interviews with representatives of zakat and mustahik institutions. Sources of data obtained through literature related to productive zakat. The results of this study indicate that Baznas and Lazismu Surakarta City have differences between the distribution of productive zakat; mustahik criteria; muzakki criteria; zakat fund collection; distribution of zakat funds: and assistance to mustahik. The types of assistance given to the mustahik are both in the form of business capital and means of production. The productive zakat program run by the two zakat institutions has been very effective in helping and increasing the income of the previous mustahik, and some mustahik have become hypocrites. The difference between the two zakat institutions is based on the background of the establishment and the Standard Operating Procedure (SOP) of zakat institutions, so that it becomes the hallmark of the two institutions in the practice of productive zakat funds to mustahik; become a reference for muzakki to distribute their zakat; and guide mustahiks to choose zakat institutions that are suitable for their business.

Selection of Sharia Rural Financing Bank Financing During Covid-19 Pandemic Azhar Alam; Dicky Trio Adi Saputro
Al-Azhar Journal of Islamic Economics VOLUME 3 NOMOR 2, JULI 2021
Publisher : Sekolah Tinggi Agama Islam (STAI) Al-Azhar Gowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37146/ajie.v3i2.82

This research discusses the selection of financing submissions for BPRS Magetan customers in the covid-19 pandemic situation. This study aims to determine the criteria for obtaining financing and how BPRS Magetan policy suppresses high financing applications amid the covid-19 pandemic. This study used a descriptive qualitative method by collecting data by conducting in-depth interviews with 14 respondents from BPRS and financing customers. This study stated that BPRS Magetan added the emphasis of analysis in selecting customer members' financing with the 5C method and BI Check. BPRS emphasizes selection analysis in customer human resource, customer creativity, and customer innovation to develop its business. BPRS Magetan is expected to provide leeway by giving a more extended time and simplifying the disbursement process during the covid-19 pandemic in the form of collateral relief.

Analysis of Factors Affecting Islamic Insurance Profitability (Case Study Of Sinar Mas Islamic Insurance Period 2011-2017) Siti Nurbaya; Azhar Alam
Journal of Islamic Economic Laws Vol 2, No 2: July 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v2i2.8595

Profitability is one benchmark to show a company operational performance. Various factors influence the amount of profitability. This research aims to analyze the influence of the amount of premium income, total investment, claims expense and operational costs on the profitability gained during the period 2011-2017. This paper conducts multiple linear analysis, namely OLS (Ordinary Least Square) with secondary data in the form of time-series data. The results of the t-test indicate that the claims expense variable has a negative and significant effect. Meanwhile, the operational cost variable has a positive and significant impact. On the contrary, the premium variable and the amount of investment both have a positive but not significant effect. Moreover, the results of the F test show that the variables of premium, investment, claims expense and operating costs have a considerable impact on the profitability of Sinar Mas Islamic Insurance.

Halal Label On Food Products By Mui (Indonesian Ulama Council) And Students Purchasing Decision Of Faculty Of Business And Economic Universitas Muhammadiyah Surakarta Rafi Siregar; Azhar Alam
Journal of Islamic Economic Laws Vol 1, No 1: July 2018
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v1i1.6163

The boundary between h{alal and h{aram in human life is explained clearly by Quran and Sunnah as a form of Allah guardianship. MUI established LPOM as an institution to issue halal certificates on food products. Food products that have been certified will be labeled by MUI logo. Universitas Muhammadiyah Surakarta instills religious values to students and expects them to choose food products with consideration to h{alal and h{aram aspects. This study aims to find out how much understanding of Faculty of Economics Business Students on halal food products and how much the influence of MUI Labelization on their decision purchase. The research used field research method and qualitative data. This study showed that 69.3% of students sample who generally have understood halal products and halal label of MUI have a major influence in determining their purchasing to select halal products. Faculty of Economiccs Business students who have very good understanding on Halal Products in most cases reached 81.63% of total population.

Analysis Of Effect Of ZIS (Zakat, Infaq, And Shadaqah), Regional Domestic Products Of Bruto, Regional Minimum Wage And Inflation On Levels Poverty In Indonesia 2012 – 2016 Fiky Nila Mustika; Eni Setyowati; Azhar Alam
Journal of Islamic Economic Laws Vol 2, No 2: July 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v2i2.8679

This study investigated the impact of ZIS (Zakat, Infaq, and Sadaqah) Gross Regional Domestic Products, Regional Minimum Wages, and Inflation on Poverty Levels in Indonesia during the 2012-2016 period. .This paper used secondary data in the panel data form. This research conducted a quantitative approach using panel data regression. Based on the results of the panel data testing, the best model chosen is the Random Effect Model (REM). Variables of gross regional domestic products and regional minimum wages have a significant effect on poverty levels in Indonesia while the variables of zakat, infaq, and shadaqah (ZIS) and inflation do not influence the level of poverty in Indonesia.

Analysis of Impact of CAR, NPF, BOPO on Profitability of Islamic Banks (Year 2015-2017) Wahyu Intan Kusumastuti; Azhar Alam
Journal of Islamic Economic Laws Vol 2, No 1: January 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v2i1.6370

Islamic banks have been known as the resistant banks to the global crisis that hit Indonesia a few years ago. The unique maintenance of Islamic bank performance leads to business continuity. Some Islamic bank performance can be measured by its profitability. There are some factors that affect the profitability Islamic bank and used in this study including CAR, BOPO, and NPF. While the purpose of this study is to determine the effect of CAR, BOPO and NPF on the profitability of Islamic commercial banks. The population of this research is the Islamic commercial bank whose financial statements have been published to the statistics of Islamic banks from 2015 -2017. This research used secondary data from OJK website. Data analysis in this paper conducted multiple linear regression analysis method. The results of this study indicate that the BOPO variable has a significant effect on ROA. On the other hand CAR and NPF variables have no significant effect on ROA.

Co-Authors Abdelsalam Adam Hamid Abdelsalam Adam Hamid Achmad Fajar Sidiq Ade Indra Adi Saifurrahman Aditya Nurrahman Aditya Nurrahman Aditya Nurrahman Aditya Nurrahman Adriansyah, Ikhwan Afief El Asfahany Afief El Ashfahany Afiq Miftahurizqi Alhaq Al Bagir, Muhamad Aminudin Ma'ruf Anggraeni, Arum Angrinda Anggih Umi Kulsum Anisa Nur Faizah Ari Prasetyo Arum Anggraeni Arum Mawadati Muthoharoh Azizi, Muhammad Azzam Izzuddin Bafana, Faiz Adib Bayu Arie Fianto Boby Habibi Cahyaningrum, Linda Islam Chabibatul Mu’awanah Chantarungsri, Chariyada Dedi Junaedi Delvia Rusita Purnamasari Devi Wijayanti Deviana Sari Dewi Permata Sari Dian Nofitri Diana Setiawati Dicky Trio Adi Saputro Eka Lutfia Khoirun Nisa Eka Lutfia Khoirun Nisa Eni Setyowati Fauzul Hanif Noor Athief Fiky Nila Mustika Galuh Thifal Anggraeni Hamidah, Raisa Aribatul Hamidah, Raisa Aribatul Harun Hidayati, Sukri Ilham Aji Saputro Imron Rosyadi Inayati, Nurul Latifatul Indriyani, Latifah Isman Isman, Isman Izzuddin, Azzam Jamil, Fadila Ainur Jim, Mahafizur Rahman Kintan Indah Sriwahyuni Kurniawan, Adityo Wiwit Kusnul Khotimah Lukman Hakim Luthfi Aria Widyatama Mirza M. Mus’ab At-Thariq M. Rizal Arsyad Marissa Grace Haque Marissa Grace Haque, Marissa Grace Maulidyah Indira Hasmarini Muchamad Rizsal Sulistiyanto Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhamad Taufik Hidayat Muhammad Anas Muhammad Hanif al Hakim Muhammad Zulkifli, Muhammad Musliah Isnaini Rahmawati Mustika, Fiky Nila Nida’ Al-Karimah Makkawi Nisa', Eka Lutfia Khoirun Nisrina Mar-atus Sholihah Nizam, Renaldi Sahrul Nofitri, Dian Novie Dwi Lestari Nugroho, Wisnu Adji Nur Aini Nur Jannah Nur Kasanah, Umi Nur Puji Rohmawati Nur Rizqi Febriandika Nurrahman, Aditya Nurrahman, Aditya Nurrochman, Danang Dwi Nurul Latifatul Inayati Priandana, Damara Purbo Tyas, Gharnis Purwaningsih, Rista Raditya Sukmana Rafi Siregar Rahayu Puji Lestari Rahmawati, Estina Raihan, Fadhiil Arkanur Raisa Aribatul Hamidah Raisa Aribatul Hamidah Rama, Nabila Rahmawati Refita Yunie Samhuri Renaldi Sahrul Nizam Ririn Tri Ratnasari Rizka Rizka Sanitra Septiana Saputro, Triyono Adi Sholikah, Nikmatus Sidiq, Achmad Fajar Siti Nurbaya Siti Nurbaya Sri Herianingrum Suranto Suranto Suratman, Asyifa Syauqi Syahidah, Yasmin Syaraf, Ahsan Barra Tata Leni Lestari Tika Widiastuti Umi Nur Kasanah Wahyu Intan Kusumastuti Wardah Yuspin Wiguna, Aditama Chandra Wijayanti, Devi Wulandari, Zuli Yuli Tri Utami Yunie Samhuri, Refita Yusuf, Jibrail Bin

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