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All Journal Jurnal Ekonomika Manajemen Dan Bisnis IJEMA
Amie Amelia
Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta
Economics, Econometrics & Finance Education

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Analisis Model Bisnis dan Pembiayaan Syariah di Industri Property PT. Azwa Project Management Ponorogo Nushrat Uyun; Amie Amelia
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 8 (2025): IJEMA - Agustus 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini bertujuan untuk menganalisis bagaimana penerapan model bisnis properti berbasis syariah tanpa bank (non-bank) serta skema pembiayaan syariah in-house pada industri property yang dijalankan PT. Azwa Project Management Ponorogo, termasuk hambatan dan peluang dalam mengimplementasikan. Penelitian ini mengggunakan pendekatan kualitatif dengan metode studi lapangan, di mana data diperoleh melalui wawancara mendalam dan pengamatan langsung pada pihak-pihak terkait. Temuan penelitian menunjukan bahwa model bisnis tanpa bank dan skema pembiayaan syariah langsung (in-house financing) yang menggunakan akad istishna’ (Pesan Bangun) dalam transaksi tunai dan akad ba’i at taqsith (Jual beli dengan cicilan) dalam pembelian secara angsuran. Praktik ini sah atau diperbolehkan menurut fatwa DSN-MUI, asalkan dijalankan sesuai dengan prinsip syariah, transparan, serta menghindari riba, gharar, maupun tindakan dzalim. Kendala utama implementasinya terletak pada tingkat literasi keuangan syariah masyarakat yang masih rendah, khususnya dalam memahami perbedaan mendasar antara sistem syariah dengan konvensional
Analisis Kinerja Lembaga Amil Zakat Infak Sedekah (Lazis) Muhammadiyah Pusat Dengan Pendekatan Balanced Scorecard Wildan Afifah Haki; Iwan Setiadi; Amrizal Amrizal; Saiful Anwar; Amie Amelia
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i1.2680

Abstract

Zakat is an obligation in Islam that plays a crucial role in the economy and social justice. Through professional management by institutions like Lazis Muhammadiyah, zakat can reduce poverty and enhance community welfare. This study aims to evaluate zakat management performance using the Balanced Scorecard (BSC) approach to ensure efficiency and effectiveness in achieving social goals. The BSC method is used to plan, control, and evaluate organizations from four perspectives: financial, customer, internal processes, and learning. A qualitative descriptive analytical approach is applied to describe the condition of Lazis Muhammadiyah Pusat, collecting primary and secondary data through questionnaires and interviews involving the Executive Director, Muzakki, and staff of Lazis Muhammadiyah Pusat. The research findings indicate that the performance of Lazis Muhammadiyah Pusat, based on the BSC, is very good. Financial receipts reached 74%, customer satisfaction index stands at 90%, and internal innovation level achieved 100%. This reflects the institution's commitment to developing services that are responsive to technological advancements and community needs. Additionally, employee satisfaction reached 83%, reflecting comfort and good relationships among them, which positively impacts work productivity. These findings underscore the importance of professional zakat management in enhancing welfare and social justice
Co-Authors Amrizal Amrizal Iwan Setiadi Nushrat Uyun Saiful Anwar Wildan Afifah Haki