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All Journal Jurnal Dewantara Journal of Islamic Economics and Social Science (JIESS)
Sari, Reonika Puspita
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Praktik Layanan QRIS Ziswaf Bank Syariah Indonesia KC Metro Sudirman Dalam Pengelolaan Keuangan Masjid Sari, Reonika Puspita
Jurnal Dewantara Vol 13 No 01 (2022): Jurnal Dewantara
Publisher : MKKS SMA, MKKS SMP se-Kota Metro, Persatuan Sarjana Pendidikan Islam Wilayah Provinsi Lampung, dan CV.IQRO Penerbitan

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Abstract

The type of research that researchers will use is field research while the nature of the research that researchers will use is qualitative descriptive, namely, researchers seek to describe, clearly describe the phenomena that occur in the field related to the practice of QRIS ZISWAF Bank Syariah Indonesia in the financial management of mosques. The approach used in this study is the phenomenological approach. Researchers try to explain phenomena that occur in the field, so there is no limit in understanding the phenomena that occur. QRIS ZISWAF Service Practice of Bank Syariah Indonesia Kc Metro Sudirman in The Financial Management of mosques conducted by the three mosques, namely Taqwa Metro Pusat mosque, Masjid Al Jihad Metro Pusat and Masjid An-Nur Metro regency Metro Pusat which already uses QRIS ZISWAF services can be said to be ineffective. This is seen from the number of worshippers and communities around the mosque who do not understand how to use QRIS services in distributing ZISWAF. One of the causes is the lack of socialization from the Indonesian Sharia bank Kc Metro, which is only limited to socialization to mosque administrators and new worshippers only limited to listening to explanations when they finish praying in the congregation. As well as on QRIS barcodes there is no explanation of the steps how to use the QRIS application in distributing ZISWAF. Jenis penelitian yang akan peneliti gunakan adalah penelitian lapangan sedangkan sifat penelitian yang akan peneliti gunakan adalah deskriptif kualitatif yaitu, peneliti berupaya mendeskripsikan, menggambarkan secara jelas fenomena yang terjadi di lapangan terkait praktik QRIS ZISWAF Bank Syariah Indonesia dalam pengelolaan keuangan masjid. Pendekatan yang digunakan pada penelitian ini adalah pendekatan fenomenologi. Peneliti mencoba menjelaskan fenomena yang terjadi di lapangan, sehingga tidak ada batasan dalam memahami fenomena yang terjadi. Praktek layanan QRIS ZISWAF Bank Syariah Indonesia Kc Metro Sudirman dalam Pengelolaan Keuangan masjid yang dilakukan ketiga masjid yaitu masjid Taqwa Metro Pusat, Masjid Al Jihad Metro Pusat Serta Masjid An-Nur Metro regency Metro Pusat yang sudah menggunakan layanan QRIS ZISWAF dapat dikatakan belum efektif. Hal ini terlihat dari banyaknya para jamaah dan masyarakat sekitar masjid yang belum paham bagaimana cara menggunakan layanan QRIS dalam menyalurkan ZISWAF. Salah satu penyebabnya adalah kurangnya sosialisasi dari pihak bank Syariah Indonesia Kc Metro yaitu baru sebatas sosialisasi kepada pengurus masjid dan jamaah baru sebatas mendengarkan penjelasan ketika selesai solat berjamaah dimasjid. Serta pada barcode QRIS tidak ada penjelasan mengenai langkah-langkah bagaimana cara menggunakan aplikasi QRIS dalam menyalurkan ZISWAF.
Determinants to Credit Decision of Low-Income Muslim During Pandemic Crisis Swastika, Putri; Sari, Reonika Puspita; Laili, Nur
Journal of Islamic Economics and Social Science (JIESS) Vol 3, No 2 (2022)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jiess.2022.v3i2.004

Abstract

Pandemic crisis sets many challenges to the economy, including depriving income and consumption level. In a suburbs Muslim area in Metro City, Indonesia, RT038/RW008 called the “Pinggiran Ledeng” (“skirt of irrigation”), henceforth Pingled, lived about 50 households. All of them are muslim and classified as low-income households, while 35 households are strangled in interest-rate bearing debted. This group has lost their source of income at a significant rate, and must sustain daily need using unavoidable interest-rate bearing debt. Their creditors are private loans harks and/or registered financial institutions. This paper aims to unveil what makes them underwent credit-decision in crisis settings. Understanding these components are equally important as to alleviate their economic burden through goods and cash subsidies, because poor financial behavior is a common gate to a vicious cycle of debt trap and endless poverty. This research finds the following: (1) during a crisis, emotion bias, attitude, and herding are positively significant to explain how Pingled community members take interest-rate bearing debt. Secondly, the major determinant is herding behavior, and to lesser degree are attitude and bias. Practical and policy implications are provided.
Co-Authors Nur Laili Putri Swastika, Putri