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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Journal of Business & Banking Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Ekonomi & Studi Pembangunan Jurnal Ekonomi Syariah Teori dan Terapan Al-Muzara'ah Al Maal: Journal of Islamic Economics and Banking International Journal of Zakat (IJAZ) Jurnal Pusat Inovasi Masyarakat

Salahuddin El Ayyubi

IPB University

Author-ID : 1179582

Religion Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Social Sciences Other

Published : 15 Documents Claim Missing Document

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Articles

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Faktor-Faktor yang Memengaruhi Pemilihan Pinjaman dengan Sistem Rente di Desa Studi Kasus : Desa Panulisan Timur Kecamatan Dayeuhulur Kabupaten Cilacap (Periode Tahun 2013-2014) Prawito Hudoro; Muhammad Findi A; Salahuddin El Ayyubi
AL-MUZARA'AH Vol. 2 No. 2 (2014): AL-MUZARA'AH (December 2014)
Publisher : Department of Islamic Economics, IPB University

Rente loan system is a loan scheme that is based on interest. This loan system is widely used by the Micro and Small Medium Enterprises (SME) notably in particular rural communities. The purpose of this study is to analyze the development process and system received rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap, and analyze the factors that affect the selection of loan seeking system. The method used in this study is a qualitative method with a case study approach. The data used is primary data obtained through observation and interviews to the villagers of the Panulisan Timur District of Dayeuhluhur Regency of Cilacap uses rente system. The study was conducted during the period December 2013 to April 2014. Number of key informants in this study were 5 people and the number of respondents 30 people. The results showed that the loan scheme growing rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap consists of the active and passive processes. The existence of internal factors such as the need for cash is urgent and external factors in the form of an easy loan terms, the availability of funds every day, disbursement fast and easy access makes the transaction rents to survive and be accepted by society.

Perbandingan Zakat Produktif dan Zakat Konsumtif dalam Meningkatkan Kesejahteraan Mustahik Khalifah Muhamad Ali; Nydia Novira Amalia; Salahuddin El Ayyubi
AL-MUZARA'AH Vol. 4 No. 1 (2016): AL-MUZARA'AH (June 2016)
Publisher : Department of Islamic Economics, IPB University

This study aims to compare the effectiveness of productive and consumptive zakat distribution in poverty alleviation. This study uses a CIBEST (Center of Islamic Business and Economics Studies) model which measures not only the material aspect of the poverty, but also the spiritual aspect of the respondents. The results proves that both zakat distribution types can increase welfare as well as reduce poverty of mustahik. Productive zakat can alleviate poverty more than consumtive zakat.

Akses UMKM Terhadap Pembiayaan Mikro Syariah dan Dampaknya Terhadap Perkembangan Usaha : Kasus BMT Tadbiirul Ummah, Kabupaten Bogor Lukytawati Anggraeni; Herdiana Puspitasari; Salahuddin El Ayyubi; Ranti Wiliasih
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

Micro, Small and Medium Enterprises (MSMEs) have a big contribution for Indonesia's gross domestic product and employment. Most MSMEs face capital constraints and limited access to formal financial institutions. Baitul Maal Wat Tamwil (BMT), which is one of the Islamic microfinance institutions, can be a solution to capital constraints faced by MSMEs. The study aims to analyze the MSME access to get the financing and the impact of BMT to their business development. The primary data is obtained from interviewing 45 respondents, i.e 30 respondents who receive funding from the BMT and 15 controlled respondents who do not receive funding in Bogor. MSME access to the BMT Islamic financing is analyzed by logistic regression logit model while the method used is multiple linear regression of Ordinary Least Square (OLS) in order to analyze the impact of BMT on the development of business. Logit regression results indicate that dummy business type, age, business turnover and deposits dummy, are the factors influencing MSME access to BMT financing. BMT financing has increased the MSME profit by 6.21 percent with an average of Rp 79.12 million to Rp 84.03 million per year. Based on the results of multiple linear regression of OLS, BMT financing has positive and significant impact on the change in business profits.

Efektivitas Penerapan Bayar Pascapanen pada Pengembalian Pembiayaan Akad Murabahah Pertanian Padi di Baitul Maal wa Tamwil As Salam, Kramat, Demak Nana Rodiana; Nunung Nuryartono; Salahuddin El Ayyubi
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Agricultural crops greatly depends on the season, since the time of land preparation to harvest. Planting delays due to lack of capital, will result in crop failure or low crop productivity. Islamic microfinance institutions, such as BMT, offersmurabaha financing as one of financing options. Application of murabahais generally followed by monthly installment payments. The condition of most farmers doesn’t enable them to have enough income due to pay the main installments with a monthly period. Postharvest payment return system is an alternativemain return of financing. The research result showed the factors that influence farmers in choosing the monthly payment system and postharvest margins on murabaharice farming financing in BMT As Salam, Kramat, Demak using binary logistic regression. The analysis result showed the reason for choosing the payment system significantly influenced rice farmers choice. The chance of postharvest payment is acceptableaccording to the ability of most farmers. The effectiveness of postharvest payment return implementationonmurabaha rice farming financing was measured using a Likert scale. The results showed that postharvest paymentimplementation has been effective in all stages of financing and made a positive impact on farm members.

Pengaruh Bank Syariah terhadap Pertumbuhan Ekonomi di Indonesia Salahuddin El Ayyubi; Lukytawati Anggraeni; Almira Dyah Mahiswari
AL-MUZARA'AH Vol. 5 No. 2 (2017): AL-MUZARA'AH (December 2017)
Publisher : Department of Islamic Economics, IPB University

Financial sector have important role to develop economic growth in the country. Aim of this study are to analyze the causality between Islamic Banking towards economic growth in Indonesia, the response of economic growth in Indonesia during the shock of Islamic banking and the contribution from Islamic banking towards economic growth in Indonesia. The data used in this study is monthly report during 2010 – 2016. Analysis of the data used Vector Error Corection Model (VECM). The results are significant effect and bidirectional causality appears between financing and Gross Dosmetic Product (GDP). Impulse Resonse Function (IRF) analysis shows that response of economic growth is different between the shock on Islamic financing and Third Party Funds (DPK). Based on Forecast Error Variance Decomposition (FEVD), financing have greatest contribution towards the effect of economic growth but DPK have less contribution. In conclusion Islamic banking should have more efficient during the allocation of DPK to financing.

Faktor-faktor yang Memengaruhi Persepsi Wakif terhadap Wakaf Uang di Kota Bogor Syifa Fauziah; Salahuddin El Ayyubi
AL-MUZARA'AH Vol. 7 No. 1 (2019): AL-MUZARA'AH (June 2019)
Publisher : Department of Islamic Economics, IPB University

Waqf has a potential in developing a social and economic aspect of society. The development of waqf instrument in the attempt of social and economic growth is able to be obtained through the new concept of waqf, that is cash waqf. However, the realization of cash waqf collection was not met its potential. Based on the previous studies, one of the factors that caused the low quantity of cash waqf collection was the people that had less awareness and comprehension towards cash waqf. Even several people that already gave their waqf had only known the waqf in the form of immovable asset. This study aims to describe respondents’ characteristics and analyze the possible factors that affect wakifs’ perception towards cash waqf in Bogor City. The method used in this study was descriptive analysis and logistic regression analysis. This study was done in Bogor City and involved 50 respondents. Based on the data analysis results, wakifs’ perception was known to be affected by their comprehension towards cash waqf and their social motivation.

Co-Authors A. Anditta Alexandi, Muhammad Findi Almira Dyah Mahiswari Anditta, A. Anggini, Karlita Arien Rosetika Asep Nurhalim Carissa, Dhea Cindy Henni Eka Saputri Herdiana Puspitasari Khalifah Muhamad Ali Lukytawati Anggraeni Muhammad Izet Budiansyah Nana Rodiana Nunung Nuryartono Nydia Novira Amalia Prawito Hudoro Putra, Rafiadi Parwedi Rafiqah, Rafiqah Ramadhani, Hanif Fadila Ranti Wiliasih Sausan Anggi Anggraini Shofiyanto, Shofiyanto Soni Trison Syifa Fauziah Widyastutik Xaviera, Aliyya

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