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All Journal Jurnal Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) JURNAL EKONOMI SYARIAH Jurnal Inovasi Ekonomi Yayasan Cita Cendikiawan Al Khwarizmi Al-Muamalat : Jurnal Ekonomi Syariah Filantropi: Jurnal Manajemen Zakat dan Wakaf EKONOMIKA SYARIAH : Journal of Economic Studies Penamas Islamic Economics and Business Review (IESBIR) Jurnal Ekonomi Islam RENATA Jurnal Pengabdian Masyarakat Kita Semua La Zhulma jurnal ekonomi syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Al-Infaq : Jurnal Ekonomi Islam
Nurhasanah, Elis
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DEVELOPING SUSTAINABLE ISLAMIC BOARDING SCHOOLS: ANALYSIS OF ONE PESANTREN ONE PRODUCT PROGRAM IN FOSTERING SELF-SUFFICIENCY Nurhasanah, Elis; Saeful Mubarok, Acep Zoni; Az Zahra, Qiny Shonia; Rahmat, Biki Zulfikri
Penamas Vol 37 No 2 (2024): Volume 37, Issue 2, July-December 2024
Publisher : Balai Penelitian dan Pengembangan Agama Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31330/penamas.v37i2.772

Abstract

The “One Pesantren One Product” (“OPOP”) program is a West Java provincial program that has become an initiative in building Islamic boarding school self-sufficiency through economic empowerment by assisting Islamic boarding schools in choosing marketable commodities, providing training, and mentoring. This study aims to analyze the OPOP program's effectiveness in fostering self-sufficiency as a form of sustainable development in Tasikmalaya. Using a qualitative approach that includes case studies and in-depth analysis, this research identifies the significance of the realization of the OPOP program on the self-sufficiency of Islamic boarding schools in Tasikmalaya who recipients of OPOP stimulant funds are. The research examines how the program has facilitated improvements in the economic aspects of Islamic boarding school self-sufficiency. The results show that the OPOP program is able to encourage the financial independence of the OPOP recipient pesantren in the scale-up category by optimizing business productivity, expansion, and networking of pesantren product marketing, which leads to an increase in pesantren income. This explains that the OPOP program can support the successful development of sustainable Islamic boarding schools, especially in financial independence. 
Pengaruh Biaya Promosi, Biaya Pendidikan dan Pelatihan Terhadap Pembiayaan UMKM Pada Bank Pembiayaan Rakyat Syariah Periode 2019-2023 Rismawati, Riri; Nurhasanah, Elis
Islamic Economics and Business Review Vol 3 No 3 (2024): IESBIR, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v3i3.7973

Abstract

Abstract Sharia People's Financing Banks (BPRS) have several cost components that can influence the amount of financing distributed to MSMEs, namely promotional costs, education and training costs. However, in the 2019-2023 period, Sharia People's Financing Banks (BPRS) experienced fluctuations in promotional costs, education and training costs which may have a direct impact on the financing distributed to MSMEs. The aim of this research is to determine and analyze the influence of Promotion Costs, Education and Training Costs on MSME Financing at Sharia People's Financing Banks for the 2019-2023 period. The analysis used uses descriptive statistical analysis, multiple linear regression analysis, analysis of the coefficient of determination (R2), and hypothesis testing using the t test and F test. The results of this research show that partially promotional costs have a positive and significant effect on MSME financing. Meanwhile, education and training costs do not have a positive and significant effect on MSME financing at Sharia People's Financing Banks (BPRS) for the 2019-2023 period. And simultaneously promotion costs and education and training costs have an influence on MSME financing at Sharia People's Financing Banks (BPRS) for the 2019-2023 period.   Keywords: Promotion Costs; Education and Training Costs; MSMEs Abstrak Bank Pembiayaan Rakyat Syariah (BPRS) memiliki beberapa komponen biaya yang dapat mempengaruhi jumlah pembiayaan yang di salurkan kepada UMKM yakni biaya promosi, biaya pendidikan dan pelatihan. Namun, dalam kurun waktu 2019-2023 Bank Pembiayaan Rakyat Syariah (BPRS) telah mengalami fluktuasi dalam biaya promosi, biaya pendidikan dan pelatihan yang mungkin berdampak langsung terhadap pembiayaan yang di salurkan kepada para UMKM. Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis pengaruh dari Biaya Promosi, Biaya Pendidikan dan Pelatihan Terhadap Pembiayaan UMKM pada Bank Pembiayaan Rakyat Syariah Periode 2019-2023. Analisis yang digunakan menggunakan analisis statistik deskriptif, analisis regresi linier berganda, analisis koefisien  determinasi (R2), serta pengujian hipotesis dengan uji t dan uji F. Hasil penelitian ini menunjukan bahwa secara parsial biaya promosi berpengaruh positif dan signifikan terhadap pembiayaan UMKM. Sedangkan biaya pendidikan dan pelatihan tidak berpengaruh positif dan signifikan terhadap pembiayaan UMKM pada Bank Pembiayaan Rakyat Syariah (BPRS) periode 2019-2023. Dan secara simultan biaya promosi dan biaya pendidikan dan pelatihan memiliki pengaruh terhadap pembiayaan UMKM pada Bank Pembiayaan Rakyat Syariah (BPRS) periode 2019-2023. Kata kunci: Biaya Promosi, Biaya Pendidikan dan Pelatihan, UMKM
Analisis Program Monetisasi Youtube Menurut Hukum Ekonomi Syariah Nur Arbaien, Muhamad Fasya; Nurhasanah, Elis
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2023): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v10i1.21242

Abstract

YouTube is an application that has many benefits so it can be used as a medium to find various available information. Many people are looking for money or income through YouTube by registering their YouTube account with monetization from Google AdSense. This research is motivated because the author sees many people who do not know the laws of YouTube monetization according to Islamic law. The method used is a descriptive method with a qualitative approach. The source of data in this study is secondary data. The data collection technique used is library research. The data analysis technique is carried out with a content analysis model by conducting research that is an in-depth discussion of the contents of written information. After that, the researcher interprets the existing data to draw conclusions after conducting research on all the data that will answer the problems in the study. From the results of this study, it can be concluded that the YouTube monetization program is not in accordance with Islamic law. This is due to the Revenue per Mille Impression policy when the distribution of ratios does not have clear proportions that regulate profit sharing for both parties. Therefore, it is necessary to realize the syirkah contract in the monetization program. With the implementation of the syirkah contract, the two parties will know things that are forbidden by IslamYoutube merupakan aplikasi yang memiliki banyak manfaat dan dapat digunakan untuk mencari berbagai informasi yang tersedia. Banyak orang yang mencari penghasilan melalui Youtube dengan cara melakukan kerja sama dengan program monetisasi. Tujuan penelitian ini adalah untuk mengetahui hukum monetisasi youtube dalam perspektif hukum ekonomi syariah. Metode yang digunakan adalah metode deskriptif dengan pendekatan kualitatif. Berdasarkan penelitian penulis, , program monetisasi youtube tidak sesuai dengan syariat Islam. Hal ini disebabkan oleh kebijakan Revenue per-Mille Impression, pada saat pembagian nisbah tidak adanya persentase secara jelas yang mengatur pembagian keuntungan kedua belah pihak. Dengan demikian dalam monetisasi Youtube ini perlu mengimplementasikan akad syirkah, agar kedua belah pihak dapat mengetahui hal-hal yang dilarang menurut hukum ekonomi syariah. Kesimpulannya, program monetisasi Youtube tidak sesuai dengan prinsip -prinsip syariah.
Problem and Solution Decomposition KSPPS Baitul Maal wa Tamwil in Maintaining the Sustainability of MSMEs Nasrulloh, Agus Ahmad; Marlina, Lina; Nurhasanah, Elis; Joni
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 2 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i2.4867

Abstract

This study analyzes the problems and solutions faced by KSPPS Baitul Maal wa Tamwil (BMT) in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Tasikmalaya. Using the Analytic Network Process (ANP) method and involving nine expert respondents from academic, practitioner, and regulatory backgrounds, the study identifies key internal and external challenges. The most dominant internal issue is the low quality of human resources, while the main external problem is the lack of public literacy and awareness of Islamic finance. Solutions include improving HR competence through Islamic economics training and implementing effective regulations for BMTs and the community. The study highlights the effectiveness of the ANP method in mapping issues and offers both theoretical and practical implications. Key recommendations are digital infrastructure development, stronger supervision from regulators, and collaboration with educational and religious institutions to strengthen public trust and financial literacy in the Islamic microfinance sector.
Pengaruh Sukuk Korporasi, Zakat dan Inflasi Terhadap PDB di Indonesia Tahun 2006-2020 Ridho, Muhamad; Yulistiyani, Elin; Nurhasanah, Elis
JURNAL EKONOMI SYARIAH Vol 7, No 2 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i2.5048

Abstract

Tujuan penelitian ini adalah untuk melihat pengaruh Sukuk Korporasi, Zakat, dan Inflasi terhadap PDB di Indonesia pada tahun 2006-2020. Metode penelitian menggunakan pendekatan kuantitatif dengan data sekunder menggunakan teknik analisis regresi linier berganda dan eviews. Dengan  nilai probabilitas 0.2223 0.05, sedangkan variabel Zakat berpengaruh signifikan terhadap PDB di Indonesia dengan nilai probabilitas 0.0002 0.05, dan variabel Inflasi berpengaruh tidak signifikan terhadap PDB di Indonesia dengan nilai probabilitas 0.7784 0.05. Selanjutnya, variabel Sukuk Korporasi, Zakat dan Inflasi secara simultan memiliki pengaruh signifikan terhadap PDB di Indonesia dengan nilai Prob(F-statistic) 0.000303 0.05. Hal ini memiliki makna bahwa variabel Sukuk Korporasi, Zakat dan Inflasi mampu  menjelaskan variasi dari PDB sebesar 80,7110% dan sisanya sebesar 19,289% variasi variabel PDB dijelaskan oleh variabel lain diluar penelitian. Artinya semakin baik Sukuk Korporasi, Zakat, dan Inflasi maka semakin meningkatkan jumlah PDB di Indonesia.Kata Kunci: PDB; Sukuk Korporasi; Zakat; Inflasi
Cash Waqf Linked Deposit in Indonesia: A Conceptual and Legal Review Nurhasanah, Elis; Umam, Khotibul; Amri, Andi
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 12 No. 2 (2025): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i2.46612

Abstract

This research aims to examine Cash Waqf Linked Deposit (CWLD) within the context of Indonesia’s Islamic finance industry, with a focus on its principles, regulatory framework, and implementation challenges. Although CWLD has recently been introduced as an innovative financial instrument, legal and conceptual studies on the topic remain limited, particularly within the scope of national regulations. This study adopts a qualitative method with a descriptive-analytical approach. Data were obtained from Law No. 41 of 2004 on Waqf, Government Regulation No. 25 of 2018, relevant fatwas issued by the Indonesian Ulema Council, and academic literature. The findings indicate that CWLD integrates cash waqf with sharia-compliant deposit products. The collected waqf funds are placed in deposits, and the returns are allocated to social programs and economic empowerment initiatives. However, CWLD implementation faces several challenges, including the absence of specific regulations and low levels of public awareness. This study concludes that CWLD has significant potential to strengthen the waqf ecosystem and promote Islamic financial inclusion. To optimize its role in socio-economic development, regulatory support, public education, and cross-agency collaboration are essential.
OPTIMALISASI PENGHIMPUNAN DANA ZAKAT DALAM PENGEMBANGAN LAZISMU KABUPATEN TASIKMALAYA Khoirun Nisa, Anis; Amalia, Pujianti; Ratu Ghinayah Nugraha, Arzetta; Bagja Anugrah, Agung; Nurhasanah, Elis
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 4 No. 1 (2023): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/finalmazawa.v4i1.8022

Abstract

Zakat is a worship that has two values, namely the value of hablun minallah and hablun minannas which are ritual and social dimensions. This means that people who always pay zakat will increase their faith and devotion to Allah Subhanahu wa Taala. This research aims to determine the optimization of zakat fund collection at LAZSIMU Tasikmalaya Regency. The research method used in this research is qualitative with descriptive presentation with data collection techniques through observation, interviews and document analysis related to zakat collection at LAZISMU Tasikmalaya. The results of this research are that technological advances are one way to optimize the collection of funds at LAZISMU Tasikmalaya through payment processes in various E-Wallet and E-Commerce applications. Further research could add a wider research scope and research areas throughout Indonesia to see the Amil Zakat Institution's efforts in increasing the optimization of fund collection. Zakat merupakan ibadah yang memiliki dua nilai, yaitu nilai hablun minallah dan hablun minannas yang menjadi dimensi ritual dan sosial. Artinya, orang yang selalu menunaikan zakat akan meningkatkan keimanan dan ketakwaan kepada Allah Subhanahu wa taala. Penelitian ini bertujuan untuk mengetahui pengoptimalan penghimpunan dana zakat pada LAZSIMU Kabupaten Tasikmalaya. Metode penelitian yang digunakan dalam penelitian ini adalah kualitatif dengan penyajian secara deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan analisis dokumen terkaita penghimpunan zakat di LAZISMU Tasikmalaya. Hasil dari penelitian ini adalah kemajuan teknologi menjadi salah satu cara meningkatkan optimalisasi penghimpunan dana pada LAZISMU Tasikmalaya melalui proses pembayaran di berbagai aplikasi E-Wallet dan E-Comerce. Penelitian selanjutnya bisa menambahkan cakupan penelitian yang lebih luas dan wilayah penelitian di seluruh Indonesia untuk melihat upaya Lembaga Amil Zakat dalam meningkatkan pengoptimalan penghimpunan dana.
Optimization of Islamic Financial Schemes for MSMEs Development Nasrulloh, Agus Ahmad; Nurhasanah, Elis; Sukmawati, Heni; Joni, Joni
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8252

Abstract

Abstract The growth rate of Micro, Small, and Medium Enterprises (MSMEs) in the City/District of Tasikmalaya has increased steadily over the past six years at around 6.18% annually. MSMEs face challenges related to capital and business development, and the proposed solution is cooperation with financial institutions. However, MSMEs find it difficult to obtain financing from formal financial institutions due to a lack of collateral and sufficient knowledge about financing schemes suitable for their businesses. As a result, MSMEs have to seek funding from non-formal lenders with ribawi contracts, which contradict Islamic principles and local regulations. This practice is also inconsistent with Local Regulation No. 7 of 2014 of Tasikmalaya City and Governor Regulation No. 1 of 2022 of West Java. The aim of this research is to analyze opportunities, challenges, and strategies for optimizing shariah finance in the MSME sector in Tasikmalaya City/Regency. The type of research carried out was descriptive research with a mixed-method approach (qualitative and quantitative) using the Analytic Network Process (ANP). There were 8 respondents in this research, consisting of academics, practitioners, and regulators of Islamic financial institutions in Tasikmalaya City/Regency. The research results show that there are four problems and four solutions to optimize Islamic financial schemes in developing MSMEs, namely community problems, institutions, access, and regulations. The problems and solutions that must be addressed are primarily in society. Massive Islamic financial education needs to continue to be carried out, supported by access to Islamic financing and also the government's firmness in supporting MSMEs through Islamic financial institutions. Tingkat pertumbuhan UMKM di Kota/Kabupaten Tasikmalaya meningkat stabil selama enam tahun terakhir dengan pertumbuhan 6,18% setiap tahunnya. UMKM mengalami kendala terkait modal dan pengembangan usaha, dan solusi yang diusulkan adalah kerjasama dengan lembaga keuangan. Namun, UMKM kesulitan mendapatkan pembiayaan dari lembaga keuangan resmi karena tidak memiliki jaminan dan pengetahuan yang cukup tentang skema pembiayaan yang cocok untuk bisnis mereka. Akibatnya, UMKM harus mencari dana dari pemberi pinjaman non-formal dengan akad ribawi, yang bertentangan dengan prinsip Islam dan regulasi setempat. Praktik ini juga tidak sejalan dengan Peraturan Daerah Kota Tasikmalaya Nomor 7 Tahun 2014 dan Peraturan Gubernur Jawa Barat Nomor 1 Tahun 2022. Tujuan dari penelitian ini adalah untuk menganalisis peluang, tantangan dan strategi optimalisasi keuangan syariah pada sektor UMKM di Kota/Kabupaten Tasikmalaya. Jenis penelitian yang dilakukan adalah penelitian deskriptif dengan pendekatan Mixed Method (kualitatif dan kuantitatif) dengan menggunakan Analytic Network Process (ANP). Terdapat 8 orang responden dalam penelitian ini yang terdiri dari praktisi, akademisi, dan regulator lembaga keuangan syariah di Kota/Kabupaten Tasikmalaya. Hasil penelitian menunjukkan bahwa terdapat empat permasalahan dan empat solusi untuk mengoptimalkan skema keuangan syariah dalam mengembangkan UMKM, yaitu permasalahan masyarakat, kelembagaan, akses, regulasi. Permasalahan dan solusi yang harus dibenahi terutama pada masyarakat. Edukasi keuangan syariah secara masif perlu terus dilakukan, didukung dengan akses pembiayaan syariah dan juga ketegasan pemerintah dalam mendukung UMKM melalui lembaga keuangan syariah.
ANALISIS FAKTOR KENDALA FUNDRAISING PADA LEMBAGA ZAKAT DI INDONESIA Aksen Tias, Muhamad; Majaya, Dhafin; Dzikry Rizkyawan, Mohammad; Ardiansyah, Alfian; Tiarahman, Robi; Nurhasanah, Elis
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2024): Maret 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v4i2.269

Abstract

According to the year-end report of 2021, the national zakat collection amounted to 14 trillion Indonesian Rupiah. However, in 2022, BAZNAS (National Amil Zakat Agency) was only able to collect zakat funds amounting to Rp 546 billion, still falling below the potential figure. The method used was qualitative descriptive with a conceptual analysis model. This research relied on secondary data sources with literature review techniques and content analysis methods. The findings of this study highlight several issues in the collection and distribution of zakat funds in Indonesia. The primary factors limiting zakat collection include low literacy and inadequate human resources quality, encompassing insufficient public knowledge, individual distribution tendencies, and a lack of awareness regarding zakat obligations.
ANALISIS PENDAYAGUNAAN DANA ZIS PRODUKTIF DALAM PEMBERDAYAAN EKONOMI MUSTAHIK : (STUDI KASUS PADA LPI AL-MUTTAQIN KOTA TASIKMALAYA) Nur Arbaien, Muhamad Fasya; Nurhasanah, Elis
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2024): Maret 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v4i2.270

Abstract

Kemiskinan merupakan permasalahan negara yang hingga saat ini masih belum dapat diselesaikan. Islam menawarkan konsep zakat dalam mengentaskan kemiskinan dan meningkatkan kesejahteraan masyarakat. Penelitian ini bertujuan untuk mengetahui peranan dana zakat produktif dalam pengembangan perekonomian mustahik di Badan Amil Zakat Al-Muttaqin Kota Tasikmalaya. Metode yang digunakan adalah deskriptif kualitatif dengan model analisis Cibest. Data yang digunakan dalam penelitian ini adalah data primer yang bersumber dari 23 mustahik yang diambil dengan menggunakan probabilitas sampling, dimana tekniknya menggunakan pendekatan probabilitas acak dalam menentukan unsur sampel. Teknik pengumpulan datanya adalah penelitian lapangan, sedangkan alat yang digunakan adalah observasi, wawancara dan dokumentasi. Hasil penelitian ini menginformasikan bahwa penyaluran dana zakat produktif sudah efektif, karena dapat meningkatkan kesejahteraan mustahik, hal ini dibuktikan dengan peningkatan pendapatan.
Co-Authors Ahmad Nasrulloh, Agus Ahmad, Kharisma Aisyah, Iis Aksen Tias, Muhamad Amalia, Pujianti Amri, Andi Ardiansyah, Alfian Bagja Anugrah, Agung Dwiyanti, Nurul Fadila Dzikry Rizkyawan, Mohammad Joni Joni Joni Khoirun Nisa, Anis Khotibul Umam lina marlina, lina Majaya, Dhafin Mubarok, Acep Zoni Saeful Nabawi, Putri Sani Nasrulloh, Agus Ahmad Nirwanto, Yogi Nur Arbaien, Muhamad Fasya Nurhamidah, Nida Siti Nurlaila Putri, Silvi Alya Qiny Shonia Az Zahra Rahayu, Rima Rahmanita Rahmat, Biki Zulfikri Ratu Ghinayah Nugraha, Arzetta Ridho, Muhamad Rismawati, Riri Saeful Mubarok, Acep Zoni Sukmawati, Heni Tiarahman, Robi Trisna Wijaya Wahyuni, Annisa Sri Yulistiyani, Elin