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Rancang Bangun Strategi Pemberdayaan UMKM melalui Wakaf Produktif Berbasis Model Sharia Grameen Bank di Era New Normal Abd. Wahab; Siti Masfufa; Ridan Muhtadi; Nur Rachmat Arifin
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 8 No 1 (2022): January 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v8i1.742

Abstract

Abstract Economic conditions in the midst of the Covid-19 pandemic, the people of Bira Tengah Village, Sampang Regency, have not been able to achieve a level of welfare even though in the village there is tourism potential for Lon Malang Beach and abundant marine products. The majority of housewives in the area do not have income-generating jobs. Thus, a solution is needed to optimize the role of housewives in the village to improve their economy in this new normal era. The purpose of this research is to create a solution idea in revitalizing the community's economy in order to alleviate poverty and increase the role of housewives in Central Bira in the new normal era. In writing this scientific paper, it uses research methods with a qualitative descriptive approach, data collection by interviews and literature studies as data sources. The concept of Sharia Grameen Bank is a model of Islamic microfinance institutions that apply sharia economic principles by utilizing capital from cash waqf and partnering with cooperatives supported by the use of the LOL website (Lon Malang Luminous Heaven) which can optimize the implementation process of Sharia Grameen Bank implementation). LOL (Lon Malang Luminous Heaven) is a website that is used as a medium in raising and distributing funds from productive waqf empowerment programs through cooperatives with murabahah contracts to housewives business groups in Central Bira.
Rancang Bangun Strategi Pemberdayaan UMKM melalui Wakaf Produktif Berbasis Model Sharia Grameen Bank di Era New Normal Abd. Wahab; Siti Masfufa; Ridan Muhtadi; Nur Rachmat Arifin
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 8 No 1 (2022): January 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (546.235 KB) | DOI: 10.55210/iqtishodiyah.v8i1.742

Abstract

Abstract Economic conditions in the midst of the Covid-19 pandemic, the people of Bira Tengah Village, Sampang Regency, have not been able to achieve a level of welfare even though in the village there is tourism potential for Lon Malang Beach and abundant marine products. The majority of housewives in the area do not have income-generating jobs. Thus, a solution is needed to optimize the role of housewives in the village to improve their economy in this new normal era. The purpose of this research is to create a solution idea in revitalizing the community's economy in order to alleviate poverty and increase the role of housewives in Central Bira in the new normal era. In writing this scientific paper, it uses research methods with a qualitative descriptive approach, data collection by interviews and literature studies as data sources. The concept of Sharia Grameen Bank is a model of Islamic microfinance institutions that apply sharia economic principles by utilizing capital from cash waqf and partnering with cooperatives supported by the use of the LOL website (Lon Malang Luminous Heaven) which can optimize the implementation process of Sharia Grameen Bank implementation). LOL (Lon Malang Luminous Heaven) is a website that is used as a medium in raising and distributing funds from productive waqf empowerment programs through cooperatives with murabahah contracts to housewives business groups in Central Bira.
BUMDesMa KAMPUNG TANI: PEMBERDAYAAN EKONOMI MASYARAKAT BERBASIS AKAD SYARIAH DI KABUPATEN PAMEKASAN Abd Rohman Al Hadifi; Faridatur Rosyidah; Firman Ardiansyah; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1194.989 KB)

Abstract

This study aims to provide a conceptual model regarding the optimization and transformation of BUMDes into BUMDesMa through the OVOP Concept approach which is expected to provide a constructive solution in increasing the economic potential of the Pamekasan community as a farming village. In addition, in order to create a halal lifestyle climate, all BUMDes activities are based on sharia contracts. This study uses descriptive qualitative methods with secondary data collection methods obtained from literature and documentaries that have been processed. While the data analysis technique starts from editing, organizing and finding. The results showed that the optimization of the performance of BUMDes has a wider scope, not only applying the concept of one village one product, but also cooperating with several villages that have the same potential to produce a superior commodity that is more leverage so that an innovation called "BUMDesMa Kampung Tani" appears where there are optimization efforts by forming a community that leads to community economic empowerment, starting from the community of raw material producers, creative and innovative, marketing, and waste management. Pamekasan Regency has good potential because the community can establish cooperation starting from capital, raw material production, management, marketing, to the handling of agricultural waste generated. Keywords: BUMDesMa Kampung Tani, OVOP concept, economic empowerment, sharia contract
DIGITALISASI FILANTROPI ISLAM PADA PESANTREN DI PULAU MADURA Firman Ardiansyah; Fitriyana Agustin; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1439.757 KB)

Abstract

The Islamic financial literacy and inclusion index in Indonesia is still relatively low. Based on data from the Financial Services Authority (OJK) in 2019 shows that the level of Islamic financial literacy is only around 8.93% and the level of Islamic financial inclusion just only around 9.1%. The low of public access to the banking will be quickly resolved by combining financial services and products using the latest technology. These efforts needs to be made, because the 5.0 industrial revolution makes it easier for people to access all information using smartphones that are connected to the internet. This decision will be a great opportunity for the Islamic finance industry to innovate digitally. The author offers digital innovation to accommodate these opportunities through the “CONTREN: (Connected Sharia Economic of Pesantren)” application which focuses on ZISWAF transactions (Zakat, Infaq, Shadaqah, Waqf) equipped with supporting features that can be enjoyed by all groups of people. The main purpose of writing this scientific paper is to analyze the normative picture of the potential for digitizing Islamic philanthropy in Madura. This study uses a descriptive qualitative method that explains the suitability of the features in the "CONTREN" application with the standardization of sharia financial contracts that not contain elements of maysir, gharar, tadlis, ikhtikar and usury, analyzes the implications of this digital application on literacy and sharia financial inclusion. The method of data collection in this study used secondary data obtained from literature and documentaries that had been processed. The results of the study indicate that the "CONTREN" digital innovation is in accordance with the concept of standardization of sharia financial contracts, and has great potential to be implemented. The conclusion obtained shows that the "CONTREN" innovation can increase Islamic financial literacy and inclusion in order to increase public accessibility to Islamic financial products. Keywords: Digitalization, Financial Inclusion, Financial Literacy, Islamic Boarding School, ZISWAF
ANALISIS KEPUTUSAN KONSUMEN TERHADAP KOSMETIK HALAL PADA APLIKASI TIKTOK SHOP PENDEKATAN THEORY OF PLANNED BEHAVIOUR: (STUDI PADA MASYARAKAT PAMEKASAN) Alifah Alifah; Nuri Herachwati; Ridan Muhtadi
Ulumuna: Jurnal Studi Keilsman Vol 8 No 1 (2022)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v8i1.6218

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This study aims to determine and empirically test consumer decisions regarding halal cosmetics on the Tiktok Shop application in the Pamekasan community. The global Muslim population reached 1.9 billion in 2019 and is expected to double to 3 billion by 2060. This development is predicted to increase 70% from the 2015 population and will represent 31.1% of the global population. The rapid development of the population is in line with the increasing demand for halal-based products. The development of technology and the all-digital era has an impact on people's lifestyles. One of them is having an application that is easy to manage and use. Applications can provide a hub to support users. One example of an application that is currently popular among the public is the Tiktok application. This study uses quantitative methods using the concept of Extended Theory of Planned Behavior (TPB) theory with halal literacy variables as moderation processed through "Structural Equation Modeling" (SEM). Data collection in the field was carried out by distributing questionnaires to the public, especially vulnerable people aged 18 years and over and a total of 194 valid questionnaires were obtained. The findings of the research results show that attitude factors, perceived behavioral control are significant to the purchase intention of halal cosmetics. Meanwhile, the moderating variable halal literacy does not moderate the relationship between attitude, subjective norm and perceived behavioral control on purchase intention of halal cosmetics. Keyword: Halal Cosmetics, Tiktok Shop, Theory of Planned Behavior (TPB).
STRATEGI PENGEMBANGAN DESA WISATA HALAL BERBASIS BUMDESA DI JAWA TIMUR; PELUANG DAN TANTANGAN Dwi Ariady Kusuma; Ridan Muhtadi; Fitriyana Agustin
Ulumuna: Jurnal Studi Keilsman Vol 8 No 1 (2022)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v8i1.6234

Abstract

East Java Province is an area that has diversity and uniqueness of regional culture, one of which is found in rural areas which still has the originality and local wisdom of the culture typical of the region. The tourism sector is a mainstay and a source of foreign exchange for the country. The existence of Halal Tourism in Indonesia which can support regional economic development makes East Java a great opportunity to realize a Halal Tourism Village. East Java has 573 Tourism Villages spread across 38 regencies in 2021. However, this opportunity is not matched by optimal management. The presence of Village-Owned Enterprises (BUMDesa) is a solution in developing tourism activities in villages that will drive the community's economy. The purpose of this research is to find out the various kinds of opportunities that exist and the challenges faced by East Java Province in developing Halal Tourism Villages through BUMDesa which is used as a development innovation concept towards better governance. The research method uses descriptive qualitative with primary data from interviews, questionnaires and other sources as a complement. The strategy outlined through the SWOT Matrix approach follows the Internal Factor Analysis (IFAS) and External Factor Analysis (EFAS) indicators. Based on the results of this study, it shows that there is a conceptual framework for Halal Tourism Village in several sectors managed by BUMDesa. Based on the results of the SWOT analysis, it shows several appropriate strategies in developing Halal Tourism Villages such as encouraging domestic and foreign investment in its development, developing a Multi-Platform information center for East Java halal tourism village based on IoT, Establishing an East Java halal tourism management authority and so on. Therefore. The existence of a Halal Tourism Village in East Java has a positive impact on the community. Keywords: Halal Tourism Village, BUMDesa, SWOT, and East Java
Mampukah Kurs Berdampak Terhadap Indeks Saham Syariah Indonesia? Kajian Empiris Selama Pandemi Tahun 2020-2021 Ach. Fauzi Lutfi; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 2 No. 2 (2022): September 2022
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v2i2.284

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This study aims to see how much influence the exchange rate has on the Indonesian Sharia Stock Index in 2020-2021. The method used in this study is a quantitative method with a simple regression analysis technique. The data collection technique uses secondary data obtained from the websites of Bank Indonesia and the Financial Services Authority. The results of this study indicate that the exchange rate variable has a significant influence on the Indonesian Sharia Stock Index variable which is seen from the F-statistic probability value below the alpha value of 0.0011 < 0.05. The Exchange Rate variable has a negative relationship with the Indonesian Sharia Stock Index with a coefficient value of -394.3737. This means that the higher the exchange rate, the lower the value of the Indonesian Sharia Stock Index.
Application of Halal Tourism Village Development Based on BUMDESA in East Java: Interpretive Structural Modeling (ISM) Approach Nova Haryanto; Ridan Muhtadi; Moh. Fudholi
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 9, No 2: Agustus 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v9i2.13994

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This study aims to analyze the problems that occur in the development of halal tourism villages based on Village Owned Enterprises (BUMDesa) and see the priority problems and the most important solutions for developing halal tourism villages in East Java. The data was taken based on the results of questionnaires and in-depth interviews from nine experts consisting of three categories, namely, academics, practitioners and regulators. The method used is the Interpretive Structural Modeling (ISM) approach, and the data processing is done using software DDSS v.01. The results of this study indicate that based on the results of the study of literature studies and expert validation that the problems of developing a halal tourism village consist of regulatory issues, human resources, infrastructure, village conditions and government. Based on the results of the processed data, it shows that the most important priority problems in the development of halal tourism villages are village conditions, regulations, infrastructure, human resources and the government.Keywords: Halal Tourism Village, BUMDesa, Interpretive Structural Modeling
SHARIA LOCAL FUNDING (SALAF CARD): INNOVATION ON SMES FUNDING USING ISLAMIC BOARDING SCHOOL VENTURE CAPITAL Ridan Muhtadi; R. Wahyu Agung Utama; Faridatun Nila; Imron Mawardi; Moh Fudholi
Ekonomi Islam Vol. 12 No. 2 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i2.3417

Abstract

Islamic boarding school is one of the educational institutions that have a strong network. Until now, there were 27,230 Islamic boarding schools scattered throughout Indonesia. Today, the function of Islamic boarding schools is not only functioning as an Islamic-based educational institution but also Islamic boarding schools has a function as a social institution. Islamic boarding schools are considered potential to become the basis of empowerment local people's economy and the center of economic development of the people in the regions, both in the form of Islamic financial institutions or Islamic boarding school cooperation. Law in Indonesia, No.33 of 2014 concerning guarantees on halal products provides significant opportunities for innovative product development given the huge potential of Indonesia's Muslim population. In the process, the requirement to use halal certification in trade as mandated by national law carries a dilemma on halal industrial players as well as micro, small and medium enterprises (SMEs). The problem of capital and funding is key problem. This qualitative paper offers a literature review. The purpose of this paper is to understand how innovative funding models are through Islamic Boarding School venture capital the company spurred the growth and development of the halal industry. The Sharia Local Funding Card (SALAF) is innovative Mudharabah and Musyarakah transaction models at Baitul Mal Wattamwil, which are realized in sustainable funding with the Sharia business capital company for halal industry players. Allocation of profit sharing is based on the contract by specifying several parts other than cards as productive deposits. These deposits will be managed as productive stimulus funds for maintenance of halal certification, training, and business assistance, and the SALAF card balance itself. SALAF card is an innovative model that has a sustainable funding agreement that involves several stakeholders to improve productivity, growth, and presence of halal products in the nation trade arena. Keywords: financing, SMES, SALAF card, Islamic Boarding School venture capital
Tinjauan Maqashid Syariah dan Fiqh al-Bi'ah dalam Green Economy Ridan Muhtadi; R Wahyu Agung Utama; Nur Rachmat Arifin; Imron Mawardi
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (829.34 KB)

Abstract

Economic development in the 20th century has a huge impact on the sustainability of mankind. However, on the other hand, it has a negative impact on the living ecosystem. Economics and the environment are considered two opposite sides in some ways like the way they treat profit orientation toward sustainable development. Sustainable development On the basis of this result creates a relatively new concept, Green Economy. Green Economy is a concept that supports human welfare and care for the preservation of the environment and ecosystem of life in economic development. But the negative side of economic development could also affect the depletion of natural resources due to overexploitation, pollution of the land, water, and air due to industrial pollution, floods, and impact on climate change. Islam has an ideal concept of sustainable development. There are at least fundamental rules in order to support the sustainable development of the implementation of environmental fiqh based maqasid sharia for the management of Islamic resources in economic transactions. Keywords: Maqasid Syariah, Fiqh environment, Green Economy, Environmental Preservation
Co-Authors Abd Rohman Al Hadifi Abd. Aziz Abd. Wahab Abdul Ghoni Ach. Fauzi Lutfi Afandi, Muhammad Zainur Rahman Agustin, Fitriyana AL QORNI, FARID ILHAM Ali Murtadho Alifah Alifah Anindya Yusuf Wirmanda Anis Eliyana Arifin, Moh. Arifin, Nur Rachmat AUNUR ROFIQ Dhoqi Dofiri Dwi Ariady Kusuma Ervicaninda Herry Fahmi as-Sulthoni Fahrurrozi Fahrurrozi Fahrurrozi Fanani Mafatikul Ihsan Fanani Mafatikul Ihsan Faridatun Nila Faridatun Nila Faridatun Nila Faridatur Rosyidah Firdaus, Nabila Yuli Firman Ardiansyah Firman Ardiansyah Fitriyana Agustin Fitriyana Agustin Fitriyani, Novita Ayu Fudholi , Moh Gancar Candra Premananto Hannan, Abd. Hidayat , Moh. Nurul Ihsan, Fanani Mafatikul Imron Mawardi Inayah Swasti Ratih Istianah Istianah Kamali Kamali Kamali kamali kamali, kamali Karimah Karimah Linda Sari M Mohsi Mansur Mansur Mansur Mansur Maulia, Shirenda Rizka Mawarni, Iga Mi’raj, Denizar Abdurrahman Mi’raj, Denizar Abdurrahman Moch Qosyim Moh Arifin Moh Fudholi Moh Safik Moh Subhan Moh. Arifin Moh. Fudholi Moh. Fudholi Mohammad Adi Mohammad Adi Mohammad Zainal Muharrom, M. Syahrul Mumuh Muhammad Munawaroh, Hikmatul Muslikhin Muslikhin Muzakki Muzakki Nafiah, Ilfiatun Nila, Faridatun Nova Haryanto Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nuri Herachwati Permana, Pramudia Yuly Eka Pramudia Yuli Eka Permana Pramudia Yuly Eka Permana Putri Cahya Rosyadah Qosyim, Moch R Wahyu Agung Utama R Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama Rahman, Ahmad Taufiqur Ratih, Inayah Swasti RB Dandy Raga Utama Ririn Tri Ratnasari Risa Sari Pertiwi Risma Ayu Kinanti Rizatul Yunus, Muhammad Rizky Winanda Rofiki, Akhmad Rosyadah, Putri Cahya Ryval Ababil Safik, Moh Safik, Mohamad Sahal, Sakinah Saini Sakinah Sahal Shofa, Sirojul Arifin Siti Fatimah Siti Masfufa Siyah Siyah Sri Herianingrum Subaida Subaida Suyudi, Moh TAMIMAH TAMIMAH Tamimah, Tamimah Tate Agape Bawana Tsaniyatul Haliyah Utama, R Wahyu Agung Utama, R. Wahyu Agung Wahyuni ‎, Nanik Wisnu Bayu Aji Zaenol Hasan Zainurrafiqi Zainurrafiqi Zavirani Fitrandasari