Alif Sepriadi
Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi

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Persepsi Mustahik terhadap Pemanfaatan Dana Zakat sebagai Modal Usaha dalam Perspektif Ekonomi Mikro Zakia Gigih Nur Putri; Nurul Khuda Kusuma Yanti; Amaruloh; Alif Sepriadi; Riko Saputra; Solichah
IQRAR: Jurnal Akuntansi, Manajemen & Ekonomi Syariah Vol 2 No 1 (2026): 2026
Publisher : PT. Hassan Group Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/iqrar.v2i1.6418

Abstract

Zakat produktif merupakan salah satu instrumen ekonomi Islam yang berperan dalam meningkatkan kesejahteraan masyarakat melalui pemberdayaan usaha mikro mustahik. Pemanfaatan dana zakat sebagai modal usaha menjadi upaya strategis dalam membantu mustahik mencapai kemandirian ekonomi dan meningkatkan taraf hidupnya. Penelitian ini bertujuan untuk menganalisis persepsi mustahik terhadap pemanfaatan dana zakat sebagai modal usaha dalam perspektif ekonomi mikro. Penelitian menggunakan pendekatan kualitatif dengan metode deskriptif. Teknik pengumpulan data dilakukan melalui wawancara, observasi, dan dokumentasi terhadap mustahik penerima dana zakat produktif. Hasil penelitian menunjukkan bahwa mayoritas mustahik memiliki persepsi positif terhadap pemanfaatan dana zakat sebagai modal usaha karena mampu membantu pengembangan usaha kecil, meningkatkan pendapatan, serta memperkuat keberlangsungan usaha mikro. Dana zakat produktif juga dinilai dapat meningkatkan motivasi usaha dan mendorong kemandirian ekonomi mustahik. Namun demikian, penelitian menemukan beberapa kendala, seperti keterbatasan jumlah bantuan modal, kurangnya pendampingan usaha, dan rendahnya kemampuan pengelolaan usaha pada sebagian penerima zakat. Dalam perspektif ekonomi mikro, pemanfaatan dana zakat produktif memberikan dampak terhadap peningkatan produktivitas dan aktivitas ekonomi rumah tangga mustahik. Penelitian ini menyimpulkan bahwa optimalisasi pengelolaan zakat produktif melalui pembinaan dan pengawasan berkelanjutan diperlukan agar pemberdayaan ekonomi mustahik dapat berjalan secara efektif dan berkesinambungan.
An Empirical Analysis of the Impact of Asset Management and Financing Decisions on Corporate Value Alif Sepriadi; Athoriq Aulia Warena; Aulia Rahma; Dwi Amelia Putri; Suci Indah Sari
Perspectives on Advanced New Generations of Global and Local Economic Horizons Vol. 1 No. 2 (2025): July, 2025
Publisher : CV. Get Press Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69855/panggaleh.v1i1.243

Abstract

This study analyzes the joint impact of asset management and financing decisions on corporate value, with financial performance as a mediating variable. Using financial data from the Central Statistics Agency (BPS) in 2023, the research focuses on Indonesia’s manufacturing, banking, and infrastructure sectors. Structural equation modeling (SEM) reveals that efficient asset management and balanced financing policies significantly improve firm value, both directly and indirectly through profitability. Sectoral results show that asset management has the strongest effect in manufacturing, while financing choices dominate in banking. These findings provide theoretical evidence of financial performance as a key transmission mechanism and practical insights for managers and regulators to align financial strategies with sector-specific needs. Future studies should extend the analysis with longitudinal data and governance-related variables to capture dynamic changes in corporate value creation.
Syariah-Compliant Financing Models and Their Strategic Contribution to the Agricultural Sector and the Development of Micro, Small, and Medium Enterprises (MSMEs) Ali Hardana; Alif Sepriadi; Meylika Nadya; Regitra Ingka Cahyani; Bunga Kartika
Perspectives on Advanced New Generations of Global and Local Economic Horizons Vol. 1 No. 2 (2025): July, 2025
Publisher : CV. Get Press Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69855/panggaleh.v1i1.250

Abstract

This study examines how Islamic financing models, like murabahah and salam, impact Indonesia's agricultural and MSME sectors. Using 2023 national data and Structural Equation Modeling (SEM), the research finds that Islamic financing has a significant positive effect on sector performance, boosting productivity and revenue. This improved performance, in turn, acts as a key link to broader strategic contributions, such as MSME growth and improved welfare. The findings suggest that Islamic finance is crucial for inclusive economic development and that policies should be tailored to different regions and business scales to maximize its impact.