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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Jurnal Pengabdian Masyarakat Bumi Raflesia Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Jurnal Abdimas Serawai Jurnal Ekonomi Rabbani JURNAL MANAJEMEN MODAL INSANI DAN BISNIS (JMMIB) Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi JIMAKUKERTA NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Jurnal Entrepreneur dan Manajemen Sains Journal of Social Work and Science Education
Mukadar, Amir
Universitas Muhamamdiyah Bengkulu
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Public Health Social Sciences Other

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Pemberdayaan Dan Pelatihan SDM UMKM Melalui Pelatihan Pengelolaan Keuangan Bagi Usaha Mikro Kecil Dan Menengah di Kabupaten Bengkulu Utara Zulyanto, Aan; Mukadar, Amir; Suhendra, Chairul; Pertiwi, Dinal Eka; Nazar, Nazar
JURNAL ABDIMAS SERAWAI Vol. 3 No. 3 (2023): Jurnal Abdimas Serawai (JAMS)
Publisher : Program Studi Administrasi Fakultas Ilmu Sosial dan Ilmu Politik Universitas Muhammadiyah Bengkulu 

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jams.v3i3.9341

Abstract

In 2020, the Ge-ARU (North Bengkulu I Love Products Movement) MSME Association was formed, one of the goals of which is to make North Bengkulu Regency an environmentally friendly, technology-based business city. With a current membership of 712 MSMEs engaged in the following fields: culinary, palm oil waste utilization, sales of agricultural products and processing, and others. One form of human resource development effort can be done through training because training can improve skills and knowledge. Currently, the need for training in the community and MSMEs is very important to increase the productivity and quality of good MSMEs. Several MSME groups have the potential to develop skills through training; one of the training activities that will be carried out is the financial management strategy for MSMEs. In this service, the activities carried out are as a solution to existing problems, namely providing education, socialization, and assistance on Financial Management Strategies for MSMEs. Some of the materials provided include financial conditions, asset status, debt, capital, business planning, and several other financial strategies, including the preparation of good financial reports for MSMEs.
PERAN KOPERASI SYARIAH DALAM MENINGKATKAN KESEJAHTERAAN ANGGOTA(Studi Kasus Pada BMT KUBE Sejahtera 008) Maya Astrining Dewi; Marini; Aan Zulyanto; Amir Mukadar
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 3 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v8i3.8990

Abstract

This thesis examines the role of BMT KUBE Sejahtera 008 Sharia Cooperative in improving the welfare of its members in Sri Kuncoro Village, Central Bengkulu. The growing demand for accessible and affordable capital, particularly among Micro, Small, and Medium Enterprises (MSMEs), motivates this research to explore BMT's contribution within the context of a Sharia-based people's economy. This qualitative study employs a socio-legal approach, gathering primary data through interviews with BMT administrators and members, alongside secondary data from relevant literature and documents. The aim of this study is to elucidate the role of BMT KUBE Sejahtera 008 in enhancing member welfare and to identify the factors that support or hinder this process. The research findings highlight the significant role of BMT KUBE Sejahtera 008 in enhancing the economic welfare of its members. Easy access to financing and profit-sharing systems has proven effective in increasing income, particularly for micro, small, and medium enterprises. Despite challenges such as limited public awareness of BMT and funding constraints, BMT KUBE Sejahtera 008 has successfully built trust and member satisfaction. Overall, this study concludes that BMT KUBE Sejahtera 008 plays a vital role in improving the economic welfare of members in Sri Kuncoro Village, Central Bengkulu, and contributes positively to the village’s economy
DINAMIKA EKONOMI SYARIAH DI ERA PASAR MODERN ANTARA FATWA DAN FORECAST Ayumara, Soraya; Setiawan, Dharma; Mukadar, Amir
Jurnal Entrepreneur dan Manajemen Sains (JEMS) Vol. 6 No. 1 (2025): Januari
Publisher : UM. Bengkulu

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Abstract

Indonesia's sharia economy is experiencing a transformative phase in the midst of modern market expansion, digitalization of the financial industry, and changes in Muslim consumer behavior, thus giving rise to complex dynamics between the fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI) as a normative instrument and market forecasts as probabilistic projections based on economic data. This article aims to analyze the interaction of these two dimensions in shaping the orientation and practice of contemporary sharia economics through a qualitative approach using the library research method on sharia economic literature, sharia maqashid, DSN-MUI fatwa documents for the 2020-2024 period, as well as sharia capital market policies and Muslim consumer behavior research. The results of the study show that the DSN-MUI fatwa performs an adaptive, responsive, and anticipatory function as a filtering mechanism and a guide to market innovation to be consistent with the sharia maqashid, with the increase in multi-contract products and the integration of Environmental, Social, Governance (ESG) values in sharia securities screening. However, the implementation of fatwas faces obstacles in the form of regulatory lag, a delay between the issuance of fatwas and industry adoption, and the risk of superficial compliance when operational practices do not reflect the substance of maslahah. Meanwhile, the Islamic capital market forecast for the 2020-2024 period projects asset growth to reach IDR 4,569.01 trillion with a focus on financial technology, waqf sukuk, and halal industry funding, but these projections tend to prioritize quantitative indicators without being integrated with the maqashid framework that assesses the distribution of benefits, justice, and sustainability. This article concludes the need for methodological integration between the istinbath fatwa process and economic forecasting tools through the development of sharia compliance indicators, continuous dialogue between scholars-economists-regulators, and strengthening maqashid literacy among industry players so that the sharia economy can play a role as a proactive normative actor that directs the modern market based on an ethical-transcendental orientation, not simply reactive to conventional market dynamics. Keywords: sharia economics, DSN-MUI fatwa, modern market, forecast, sharia maqashid
PENGARUH ZAKAT PRODUKTIF TERHADAP TINGKAT PENDAPATAN MUSTAHIK DI LAZ INISIATIF ZAKAT INDONESIA (IZI) KOTA BENGKULU Margaretha, Vidia; Setiawan, Dharma; Mukadar, Amir
Jurnal Entrepreneur dan Manajemen Sains (JEMS) Vol. 6 No. 2 (2025): Juli
Publisher : UM. Bengkulu

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Abstract

Poverty remains a critical issue in Bengkulu Province, with the poverty rate reaching 14.04% as of March 2023. Productive zakat serves as a potential instrument for economic empowerment among mustahik (eligible recipients). This study aims to examine changes in mustahik income levels before and after receiving productive zakat and to assess the effectiveness of the program implemented by the Indonesian Zakat Initiative (IZI) LAZ in Bengkulu City. A quantitative approach with a descriptive method was employed. Primary data were obtained through questionnaires distributed to 30 mustahik recipients of productive zakat from IZI. Data analysis included validity, reliability, and normality tests, the Wilcoxon signed-rank test, and program effectiveness analysis. The findings indicate that productive zakat, provided in the form of business capital assistance, equipment, and skills training, significantly increased the income of mustahik. The Wilcoxon test confirmed a significant difference in income before and after receiving productive zakat. These results demonstrate that IZI's productive zakat program in Bengkulu City is effective in improving income levels and fostering economic independence among mustahik, making it a strategic tool for poverty alleviation and community empowerment.
ANALISIS KEBIJAKAN DAN DINAMIKA KERJASAMA KAWASAN EKONOMI BIRU INDONESIA DALAM KERANGKA KERJA ASEAN Ayumara, Soraya; Mukadar, Amir
Jurnal Entrepreneur dan Manajemen Sains (JEMS) Vol. 6 No. 2 (2025): Juli
Publisher : UM. Bengkulu

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Abstract

The blue economy has become a strategic agenda for ASEAN countries in an effort to achieve sustainable economic growth based on the management of marine resources. Indonesia, as the world's largest archipelagic country with the second longest coastline globally, has a central role in encouraging the implementation of the ASEAN Blue Economy Framework. This article analyzes Indonesia's blue economy policy in the context of ASEAN regional cooperation, identifies the dynamics of the implementation of the regional framework, and examines the challenges and opportunities faced. Through the method of document analysis and literature on national and regional policies, this study finds that Indonesia has played a proactive role as the driving force of the ASEAN blue economy through the launch of the Indonesia Blue Economy Roadmap 2023-2045 which is a reference for other ASEAN countries. However, implementation at the national and regional levels still faces a variety of structural barriers, including capacity gaps between countries, funding limitations, and the need for harmonization of cross-border regulations. This article provides recommendations to strengthen national-regional policy synergies, enhance innovative financing mechanisms such as blue carbon finance, and strengthen the role of coastal communities in decision-making. Keywords: blue economy, ASEAN, Indonesia, maritime policy, regional cooperation, sustainable development
KEBIJAKAN EKONOMI SYARIAH MUHAMMADIYAH MELALUI PENDEKATAN ANALISIS SWOT DALAM PENGUATAN EKONOMI UMAT Ayumara, Soraya; Mukadar, Amir; Marini, Marini
Jurnal Entrepreneur dan Manajemen Sains (JEMS) Vol. 5 No. 2 (2024): Juli
Publisher : UM. Bengkulu

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Abstract

This study examines Muhammadiyah's sharia economic policy in the context of strengthening the ummah's economy through a SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis approach. Muhammadiyah as the second largest Islamic mass organization in Indonesia has a strategic role in the development of the sharia economy through various economic charities such as the Sharia People's Financing Bank (BPRS), Baitul Mal wa Tamwil (BMT), sharia cooperatives, and the Muhammadiyah Amil Zakat Infak Sedekah Institution (LAZISMU). This qualitative-descriptive research uses secondary data sources in the form of Muhammadiyah policy documents, sharia economic regulations, official reports of organizations, and scientific literature. The results of the SWOT analysis show that the main strength of Muhammadiyah lies in its wide organizational network, high public trust, and commitment to Islamic economic principles. The main weaknesses include fragmentation of coordination between economic institutions, limited sharia economic literacy at the grassroots level, and lack of integration of the digital financial system. Significant opportunities arise from the growth of the national Islamic finance industry, government regulatory support, and increasing awareness of the people towards the halal economy. Threats include competition with other conventional and Islamic financial institutions, as well as global economic dynamics. The SWOT strategy matrix results in four policy orientations: the SO (aggressive-expansive) strategy, the WO (turnaround) strategy, the ST (diversification) strategy, and the WT (defensive) strategy. Policy implications include strengthening the integration of Muhammadiyah's sharia economic ecosystem, increasing the capacity of human resources, accelerating digital transformation, and strengthening the branding of the sharia economy based on progressive Islamic values. Keywords: Sharia Economy, Muhammadiyah, SWOT Analysis, Strengthening the People's Economy, Strategic Policies
ANALISIS PENGELOLAAN ZAKAT PRODUKTIF DAN PENYALURAN DANA ZAKAT UNTUK PEMBERDAYAAN EKONOMI MUSTAHIK DI BAZNAS PROVINSI BENGKULU Anastasha, Rezka; Mukadar, Amir; Setiawan, Dharma
Jurnal Entrepreneur dan Manajemen Sains (JEMS) Vol. 6 No. 2 (2025): Juli
Publisher : UM. Bengkulu

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Abstract

This article aims to determine the implementation of the Zakat Maal Distribution System Analysis at the National Zakat Agency of Bengkulu City (BAZNAS). The analysis aims to determine whether the zakat mal distribution system implemented complies with Islamic sharia principles and government regulations. This study used field research, also known as empirical research. Data were obtained through direct interviews with BAZNAS employees in Bengkulu City and several zakat recipients. The results of this study conclude that the distribution has been running quite well and is in accordance with Islamic principles and applicable laws and regulations in Indonesia. The National Zakat Agency (BAZNAS) of Bengkulu City has distributed zakat funds to various groups categorized as mustahik (zakat recipients), such as the poor, those in need, converts to Islam, and others. The utilization of zakat funds covers various areas, including educational assistance, business assistance, social assistance, and healthcare. Zakat distribution has been successful, but low public awareness remains, leading to uneven distribution, with monitoring and evaluation to ensure zakat programs reach their intended targets.
Co-Authors Aan Zulyanto, Aan Anastasha, Rezka Ayumara, Soraya Chairul Suhendra Damaya Sinta Dharma Setiawan Dharma Setiawan Dharma Setiawan Dinal Eka Pertiwi Eka Pertiwi, Dinal Fauziah, Fenty Finthariasari, Meilaty Hesti Setiorini Humairah, Mifta Kartina, Remi Katra Pramadeka Khairul Bahrun Khairul Bahrun Lisdayanti, Septina Margaretha, Vidia Marini Marini Marini . Marini Marini Marini Marini Maya Astrining Dewi Muhammad Said Romadhon Nazar Nazar Nazar, Nazar Nensi Yuniati ZS Novi Permata Novi Permata Partama Putra, Yudi Pertiwi, Dinal Eka Pitra, Ahmad Rahmanto , Bambang Rina Yuniarti, Rina Septina Lisdayanti Setiawan , Dharma Setiorini, Hesti Subandrio Subandrio Subandrio, Subandrio suharmi, Suharmi Sumarlan, Ahmad Ummul Khair Wahidatul Aini Yuniarti Zs, Nensi Yusmaniarti Zerli Yuliardi