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EMPOWERMENT OF PRODUCTIVE ZAKAT FUNDS, SOLUTION FOR SMALL BUSINESS: (Evidence from Badan Amil Zakat Nasional Central Borneo) Hafizi, Muhammad Riza; Halipah, Nor
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3165

Abstract

BAZNAS of Palangka Raya is a zakat management institution that is tasked with collecting, distributing and utilizing zakat. This study aims to analyze the optimization of productive zakat utilization in economic empowerment of mustahik, analysis of the benefits of productive zakat in improving the standard of life of mustahik, and analysis of the constraints that BAZNAS feels in optimizing productive zakat.This research is a qualitative type of research using a descriptive qualitative approach. The research subjects were four productive zakat managers and ten informants from mustahik who received revolving fund loan assistance. This research resulted in conclusions, namely, first, the optimization of zakat utilization in the framework of empowering the mustahik in BAZNAS of Palangka Raya through the Palangka Raya Sejahtera program has not been carried out optimally, due to the absence of supervision, assistance and guidance from BAZNAS so that there mustahik who misuse these funds. Second, the benefits of this program are very helpful in the economic empowerment of mustahik with an increase in business results, a network, an increase in family income, and independence. Third, the obstacles that are often felt by BAZNAS in optimizing them are the lack of human resources in management and in the field, the provision of business capital that is misused by mustahik, the lack of trust of muzaki in institutions, and the large number of ZIS collecting organizations besides BAZNAS.
PENGELOLAAN BISNIS PERHOTELAN SYARIAH Muhammad Riza Hafizi; Dyah Sulistiyo Rimbodo
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 5, No 1 (2019): JUNI 2019
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (630.387 KB) | DOI: 10.24952/tijaroh.v5i1.1631

Abstract

AbstractThe government has made regulations regarding the regulation of Sharia Hotels reviewed through the National Sharia Council-Indonesian Ulama Council concerning Minister of Tourism and Creative Economy Regulation Number 2 of 2014. Hotel Jamrud Syariah, one of the hotels in Central Kalimantan which is a family business managed with three aspects namely products, service and management. The purpose of the study was to analyze how the management of the sharia hotel business at the Islamic Jamrud Hotel. This research is a field research using descriptive qualitative research methods. The subjects of this study are the owners, employees and visitors of the Sharia Jamrud Hotel in Pangkalan Bun. Data analysis techniques using collection data, data reduction, data display, and conclusion drawing. The results of this study indicate that the management of the Pangkalan Bun Syariah Jamrud hotel has been well managed. Then the management of sharia business hotels at the Islamic Jamrud Hotel has fulfilled the absolute criteria if viewed from the National Sharia Council-Indonesian Ulema Council regarding Minister of Tourism and Creative Economy Regulation Number 2 of 2014.Keywords: Products, Services, ManagementAbstrak  Pemerintah telah membuat peraturan tentang regulasi Hotel Syariah ditinjau melalui Dewan Syariah Nasional-Majelis Ulama Indonesia mengenai Peraturan Menteri Pariwisata dan Ekonomi Kreatif Nomor 2 Tahun 2014. Hotel Jamrud Syariah, salah satu hotel di Kalimantan Tengah yang merupakan bisnis keluarga yang dikelola dengan tiga aspek yaitu produk, pelayanan dan pengelolaan. Tujuan penelitian adalah untuk menganalisis bagaimana pengelolaan bisnis perhotelan syariah pada Hotel Jamrud Syariah. Penelitian ini merupakan penelitian lapangan menggunakan metode penelitian kualitatif deskriptif. Adapun subjek penelitian ini adalah pemilik, karyawan dan pengunjung Hotel Jamrud Syariah Pangkalan Bun. Teknik analisis data menggunakan data collection, data reduction, data display, dan conclusion drawing. Hasil dari penelitian ini menunjukkan bahwa pengelolaan hotel Jamrud Syariah Pangkalan Bun sudah dikelola secara baik. Kemudian pengelolaan perhotelan bisnis syariah pada Hotel Jamrud Syariah sudah memenuhi kriteria mutlak jika ditinjau dari Dewan Syariah Nasional-Majelis Ulama Indonesia mengenai Peraturan Menteri Pariwisata dan Ekonomi Kreatif Nomor 2 Tahun 2014.Kata Kunci: Produk, Pelayanan, Pengelolaan
PENGARUH BEBAN KERJA TERHADAP KINERJA KARYAWAN DI LINGKUNGAN INSITUT AGAMA ISLAM NEGERI PALANGKA RAYA Muhammad Riza Hafizi
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 6, No 1 (2020): JUNI 2020
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v6i1.2060

Abstract

This study aims to analyze the effect of workload on employee performance within the State Islamic Institute of Palangka Raya. Performance is a description of the level of achievement of the implementation of a program of activities or policies in realizing the goals, objectives, vision, and mission of the organization as outlined through an organization's strategic planning. This research was conducted on 92 employees who work in IAIN Palangka Raya.The research findings indicate that the workload variable has a positive effect on employee performance in the State Islamic Institute of Palangka Raya. This is evidenced by the results of the regression test statistics obtained a value of (β) 0.778 (p 0.05; p = 0.000). With an R square adjust the value of 34%. then this study successfully demonstrated that workload has a positive and significant influence on performance. Hypothesis testing uses the help of the Statistical Package for the Social Sciences program.
The Practice Of Giving Bonus To Wadi’ah Current Accounts At Bank Sharia In Palangka Raya From A Sharia Economic Perspective Jamilah Jamilah; Enriko Tedja Sukmana; Muhammad Riza Hafizi
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3850

Abstract

Abstrak  Produk giro Bank Syariah Mandiri Cabang Palangka Raya mengunakan akad wadi’ah. BSM memberikan keuntungan berupa bonus setiap bulannya kepada nasabah giro sebagaimana yang tertera pada laman website BSM yaitu “bonus bulanan yang diberikan sesuai dengan kebijakan”. Penelitian ini bertujuan untuk mengetahui praktik pemberian bonus pada produk giro wadi’ah di BSM Cabang Palangka Raya ditinjau dalam perspektif ekonomi Islam. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif. Hasil penelitian menunjukkan bahwa praktik pemberian bonus pada produk giro wadi’ah telah sesuai dengan perspektif ekonomi Islam. Pertama, bonus tidak diperjanjikan dalam akad, Bonus diberikan tergantung keuntungan yang diperoleh bank setiap bulannya disertai kebijakan. Kedua, pernyataan pemberian bonus melalui laman website BSM merupakan salah satu bentuk promosi yang dapat dibenarkan, hanya saja jika pemberian bonus menjadi bagian dari persyaratan yang dapat mengarahkan pada riba dan akan menjadi kelaziman karena terus menerus dilakukan, maka pemberian bonus tersebut dapat menjadi kesalahan yang perlu ditelaah ulang. Kata kunci: Bonus, Giro Wadi’ah, Bank Syariah,  Ekonomi Islam Abstract The wadi'ah yad dhamanah contract that is applied to current accounts at the Palangka Raya Branch of Bank Syariah Mandiri, is basically a wadi'ah  contract, which theoretically does not allow the recipient of the deposit (bank) to declare the previous reward or benefit to the wadi'ah account holder (customer). BSM Palangka Raya Branch provides benefits in the form of bonus every month to current accounts as previously stated on the BSM website, namely "monthly bonus given in accordance with BSM policies". Bonus are given based on BSM policies. Second, the statement of giving bonus through the BSM website is a form of promotion can be justified, it's just that if bonus are part of the requirements that can lead to the practice of hidden usury and will become the norm because it is continuously being done, then giving this bonus can be a mistake which should be reviewed by BSM.
PENERAPAN UANG MUKA DI CATERING AULIA DAN CATERING HJ. WATI PERSFEKTIF EKONOMI ISLAM DI KOTA PALANGKA RAYA Muhammad Riza Hafizi; Jelita Jelita; Deanti Aulia
AL-QARDH Vol 3, No 1 (2018): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.303 KB) | DOI: 10.23971/jaq.v3i1.1186

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Catering becomes a solution to consumers who want to fulfill their needs and wants without having to waste time and energy. This is also a challenge for a catering businessman to maintain and keep improving their service quality from time by time so can keep satisfying consumers. In the payment system, catering business is using down payment system. According to that case, to understand more about how the down payment application in Islamic economics perspective need to studied more details. This research aimed to analyze and understand (1) How are the down payment application of Catering Aulia and Catering Hj. Wati in Palangkaraya City. (2) How the buying and selling system with the down payment in Islamic economics perspective.The result of this research is the application of down payment in Catering Aulia and Catering Hj. Wati is an 'urf or a habit that is done both for catering owners and their customers. Application of down payment in catering payments in terms of the usual materials included in the 'urf fi'li, while in terms of good and bad judgments included into 'urf shahih. In practice, both in Catering Aulia and Catering Hj. Wati the amount of down payment is not specified. And if there is an order cancellation then the down payment will be refunded in full except at certain moments. Implementation of down payment viewed in terms advantages may be done as long as no party feels disadvantaged. Down payment made to avoid any breach between the catering owners and consumers.
PELUANG BISNIS ANGKRINGAN DI KOTA PALANGKA RAYA Muhammad Riza Hafizi; Nita Oktaviana
AL-QARDH Vol 2, No 2 (2017): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (138.42 KB) | DOI: 10.23971/jaq.v2i2.831

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The people of Palangka Raya city in today's modern era made angkringan as a place of social interaction and place of consumption for all social layers of society. Therefore the authors seen the existence of business opportunities angkringan. Angkringan was a place to buy food and drink "typical". As for the formulation of the problem (1) How the sales strategy angkringan to achieve sales targets? (2) How was the business opportunity of angkringan in Palangka Raya city? (3) How was the feasibility of angkringan business in Palangka Raya city? This research method used descriptive qualitative approach. Data collection was done by used interview technique, observation, and documentation. The technique of determining the subject in this study used purposive sampling technique was the technique of determining the subject based on several considerations determined. Data validation was done by used triangulation. Further data the processed and analyzed with several stages: data collection, data presentation), conclusions (withdrawal by viewing data presentation), and Verification (drawing conclusions to answer from problem formulation). The results of this research were: (1) marketing strategy of angkringan business in Palangkaraya city to increased market share after passing strategic stages that was choosing strategic location, there wass no limited for all circle become its consumer, food menu provided safe for consumption, possible, clean place, affordable price and promotion through banner, social media and mouth of mouth; (2) angkringan business opportunities in the city of Palangka Raya had good prospects in the future and have the competence to do it, supported by the results of SWOT analyzed (strength, weaknesses, opportunities and threats); (3) feasibility study of angkringan business in Palangka Raya city, Jekan Raya Sub-district, the whole aspected was considered feasible. The market and marketing aspected of angkringan business was feasible to run because it has the market potential and the opportunity to market its products this was seen from the number of potential customers owned by the business. The social and cultural economic aspected can be said to be feasible because it had opened the job field, then from the aspected of business law angkringan was considered feasible because of the exemption from the Regulation of the Minister of Trade which states that not all businesses should be permits included the angkringan business.
Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM Alex Fahrur Riza; Muhammad Riza Hafizi
Asian Journal of Islamic Management (AJIM) VOLUME 1 ISSUE 2, 2019
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ajim.vol1.iss2.art1

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Purpose: This study aims to test consumer acceptance of mobile banking Islamic banks using the Technology Acceptance Model. The concept of mobile banking is used to examine the role of banking in facilitating mobile consumer financial transactions.Methodology: This study uses a survey with a sample of 179 users of mobile banking applications Islamic banks in Central Java and Yogyakarta. Data analysis used in this study is SEM with AMOS software assistanceFindings: All hypotheses are supported. Based on the consumer's perspective, mobile banking is an opportunity for the Islamic finance industry. However, mobile banking will transform very quickly and brought new challenges in the era of industry 4.0.Originality: This study enrich the discussion in the literature by retesting the technology acceptance model (TAM) to explain the usage of mobile banking of Islamic bank.
Strategi Pedagang Pasar Dalam Mempertahankan Usaha Pasca Kebakaran Muhammad Riza Hafizi; Mariatul Jannah
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 5, No 1 (2021)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v5i1.9064

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This study contains the retailer strategy in sustainable business in Pasar Baru A, Palangka Raya city. This study was a field research using descriptive qualitative research methods and case study methods. The subjects of this study were nine retailer of Pasar Baru A and supported by three informants from administrator of Pasar Baru A, and three buyers in Pasar Baru A. Data analysis techniques using collection data, data reduction, data display, and conclusion drawing. The results of this study indicate that Pasar Baru A retailers can sustainable their business by implementing a marketing management strategy and a risk management strategy accurately. The strategy carried out by Pasar Baru A retailers after the fire viewed from an Islamic economic perspective has been appropriate with the Islamic marketing management strategy and Islamic risk management strategy.
Literasi Pemanfaatan Aplikasi Keuangan Digital Bukukas Pada Umkm Di Kota Sampit, Kalimantan Tengah. Rahmad Kurniawan; Jefry Tarantang; Wahyu Akbar; Sofyan Hakim; Enriko Tedja Sukmana; Riza Hafizi
Jurnal Pengabdian Masyarakat Formosa Vol. 1 No. 1 (2022): April 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1804.728 KB) | DOI: 10.55927/jpmf.v1i1.342

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In the current digital era, there are still many MSMEs that do manual recording, especially in Sampit City. The importance of digital financial literacy through bookkeeping applications for MSMEs can help them record their financial transactions and make it easier to recap the sales of products sold through the Cash Book application. The purpose of community service for MSMEs is to record financial transactions using the BukuKas application simply. The method used is service learning, starting from the preparation stage, dedication stage and reflection. As a result of this activity, MSME actors can use the BukuKas application, can operate transactions in BukuKas, and can find out the cost of goods sold, make financial records and make financial reports.
WHAT DRIVES PEOPLE'S INTEREST IN SHARIA INSURANCE? EVIDENCE FROM PALANGKA RAYA Umi Purwaningsih; Putri Nurmala; Muhammad Riza Hafizi
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 2 No. 1 (2021): OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (647.892 KB) | DOI: 10.53491/oikonomika.v2i1.75

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This studi aims to analyze factors affecting people become member of sharia insurance in Palangka Raya, Central Borneo, Indonesia. This research approach uses a quantitative approach. The variables used in this study, product, price, promotion, lifestyle and economic conditions. The method used in data collection using purposive sampling method, by distributing online questionnaires. The number of samples in this study were 42 respondents. The analytical tool used to determine the public's interest in participating in Prudential sharia insurance in Palangka Raya City is to use SPSS 23. The results of this study indicate that there is a significant positive effect on promotion and lifestyle variables on interest in Prudential sharia insurance, this is evidenced by the F test, which shows a significance level of 0.000. This is because the magnitude of the significance level of the F test from the F count value of 16,215 with the F table value of 2.5, this indicates that the F count value is greater than the F table value (16, 215 > 2.5). In this study, the magnitude of the influence of the Adjusted R Square of the promotion and lifestyle variables is 0,650 or 65% which affecting become sharia insurance participant in Palangka Raya. Meanwhile, based on the results of the T test, it shows that the variables of product, price and economic conditions are not significant. This is because the Palangka Raya is not as big as the cities in the capital, so people who use the services of Sharia Insurance are still not priority for the people of Palangka Raya. This study contributes empirically to the describe sharia insurance in Palangka Raya. In addition, the existing sharia insurance in the Palangka Raya should be re-socialized so that people are more familiar and using sharia insurance services compared to using conventional insurance. Islamic insurance uses the concept of protecting each other. This concept is different from conventional insurance, where participants pay premiums to insurance companies.
Co-Authors Abas, Mujiburohman Abul Abdul Jamil Afani, Moh. Ahmad Hanafi Akbar, Wahyu Al Hujjah Asianingrum Alex Fahrur Riza Ali Sadikin Amalina Putri Syahira Anggraeni, Rara Arif Mubarok Aulia, Deanti Aviva, Itsla Yunisva Ayu Indira A’ang Adi Putra Barlian, Noer Aisyah Barlian Darmawan, Mualim Deanti Aulia Diah Wulandari Dyah Sulistiyo Rimbodo Enriko Tedja Sukmana Enriko Tedja Sukmana Enriko Tedja Sukmana Enriko Tedja Sukmana, Enriko Tedja Fadlil Abdani Farid, Fuad Muhajirin Fidiyaningsih, Yani Fuad Muhajirin Farid Gelu Savira Dwi Cahyani Geovani, Andrea Gita Cahyani Guntur Kusuma Wardana Guntur, Guntur Kusuma Wardana Hadi, Hadi Isman Haidi Hajar Widagdo Hakim, Sofyan Halipah, Nor Hasnita Handayani Hasnita Hasnita Hasnita Hasnita Himawan, Hilmi Satria Insani, Jihan Dwi Isra Misra Iyah Jalaluddin Jamilah Jamilah Jefry Tarantang Jelita Jelita jelita, jelita Karina Awalia Zahra Lina Kurniawati Lusy Nur Misnaningsih M. Ihsan Nur Rasid Mafrudhoh, Sokhifatul Majeed, Ali Nazar Mariatul Jannah Misnaningsih, Lusy Nur Misra, Isra Muhammad Noval Muhammad Zainal Arifin, Muhammad Zainal Mutmainah Mutmainah Nita Oktaviana Nur Aisah Nur Fuadi Rahman Nurmala, Putri Oktaviana, Nita Priansyah, Dodi Purwaningsih, Umi Putri Mei Ismil Kholifah Putri Nurmala Putri, Danisha Yoananda Rahkmawati, Yeni Rahmad Kurniawan Rahman, Zainur Rivaldo, Ahmad Roudhatul Amalia Safitri, Aulia Ramadhanti Safitri, Novi Angga Salsabila, Nur Siara Zazkia Juliana Putri Sidauruk, Verina Rosalin Br Sofyan Hakim Sofyan Hakim Sofyan Hakim Solly Aryza Sukarni Suriyani, Elma Susiana Susiana Umi Purwaningsih Wahyu Akbar Wehdawati Wehdawati Zulkifli Zulkifli