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Does Zakat and Non-Zakat Empowerment Affect Mustahiq Welfare Based on Maqashid Shariah? Widiastuti, Tika; Auwalin, Ilmiawan; Rani, Lina Nugraha; Mawardi, Imron; Al Mustofa, Muhammad Ubaidillah; Rosyidah, Norma; Mahmudah, Siti Nur
al-Uqud : Journal of Islamic Economics Vol 5, No 1 (2021): January
Publisher : Universitas Negeri Surabaya

This study explores the effect of zakat and non-zakat empowerment programs on the beneficiaries' welfare (mustahiq). This study focuses on the influence of the intervening variable, namely the mustahiq businesses' growth on mustahiq welfare. This study also examines the role of demographic characteristics, such as age, gender, and years of education on mustahiq business growth. This study employs the Partial Least Square-Structural Equation Model (PLS-SEM) using data from 100 respondents who received empowerment assistance from three different zakat institutions. The sample of mustahiq was selected from three zakat institutions to provide a diversity of respondents. The results indicate that zakat and non-zakat programs' empowerment through business growth has significantly affected mustahiq welfare. With these results, both zakat and non-zakat productive programs should be more developed to assist the community businesses' growth optimally. Previous studies measure the welfare of mustahiq with material aspects. In this study, the indicator of welfare is based on maqashid sharia, which includes the protection of Ad-Din (religion), An-Nafs (Soul), Al-Aql (intellect), Al-Nasl (descendant), and Al-Maal (wealth). Examining the impact of two variables, namely productive empowerment programs through zakat and non-zakat, on mustahiq business growth and welfare is the novelty of this study.

Pengolahan Limbah Serat Fiber sebagai Substitusi Material Pengisi Media Tanam Organik di Mitra WBS Fiberglass Poncokusumo Asrori, Muhammad Roy; Santoso, Aman; Sumari, Sumari; Prakasa, Yana Fajar; Mahmudah, Siti Nur
Indonesian Journal for Social Responsibility Vol. 5 No. 01 (2023): June 2023
Publisher : LPkM Universitas Bakrie

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36782/ijsr.v5i01.177

Micro-enterprises in the community still need a helping hand in the form of a service program from the campus. It is known that the micro-enterprise community belongs to the lower middle class, so there is still a lack of interest in seeking information/literacy and this results in the absence of business development in the future in a better direction. In Karanganyar Village, Poncokusumo, Malang, a fiber business was found in the manufacture of tools made of plastic, this business has been running for 3 years and there is still no high enough development. In addition, another problem is the problem of fiber waste that has not been utilized at all. There was no processing or conversion into useful and economically valuable materials. The solution offered is the manufacture of organic pots/growing media. The method of implementing this service used three stages, namely preparation, implementation, and reporting. The data collected in the form of documentation, observation, and the results of filling out the respondent's questionnaire which was then analyzed descriptively qualitatively. The results of the service showed that organic growing media from fiberglass can be applied and attract partners' interest. Knowledge of occupational health and safety has enthusiastically educated partners. The results of the partner satisfaction questionnaire showed that this service activity has a very satisfied response category of 65.7% and a satisfied response of 34.3%. So, WBS fiberglass partners have received, supported, appreciated, and followed this service well.

Can Indonesia Become A Cashless Society through Digitalization and Financial Literacy? Soenjoto, Wening Purbatin Palupi; Mahmudah, Siti Nur
El Barka: Journal of Islamic Economics and Business Vol. 6 No. 2 (2023)
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i2.6960

After the Covid-19 pandemic, it cannot be denied that online shopping has increased shopping behavior patterns using non-cash money. This is due to restrictions on community activities and cash is considered to be a trigger for the spread of the Covid19 virus. This research looks at the phenomenon of using cash as an impact of the Covid-19 pandemic, whether it triggers an increase in non-cash financial literacy and whether government programs for people's movement to use non-cash money can form a non-cash society as a form of effective use of non-cash money or even trigger consumer behavior with minimal understanding non-cash financial literacy. This research uses a qualitative, phenomenal approach by collecting data through interviews with 50 informants with criteria aged 19-21 years and to triangulate the data, interviews were conducted with 2 employees of Bank BSI Jombang and BRI Pulung Ponorogo who have expertise in the banking sector. Based on the research results, it is stated that cashless users aged 19-21 years, influence consumer behavior but have not yet been balanced with detailed knowledge of digital financial literacy and still the function of non-cash money is mostly on shopping behavior so that digital financial skills in non-cash only limited to debits and credits in the cash flow of bank accounts. There is a difference between women and men in usage, namely that men study the products they will buy using cashless and are not easily influenced by promotions compared to women who easily use cashless without studying the details of the products they will buy so they are easily influenced by promotions. It can be used as a basis for policy making in the economic and banking sectors.

Crafting a Sharia Fintech Development Strategy in Indonesia: Leveraging SWOT Analysis for Sustainable Growth Faizin, Moh; Era Rosalina, Kenlies; Mahmudah, Siti Nur
El Barka: Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i1.7415

Abstract: The incorporation of sharia principles into financial technology offers a rare chance to harmonize contemporary financial services with Islamic ideals, particularly as Indonesia’s fintech industry continues to grow rapidly. This emerging industry, called Sharia fintech, is promoting ethical financial practices that appeal to a large segment of Indonesian society in addition to increasing access to financial services. The adoption of a strategic strategy that leverages strenghths, tackles weaknesses, seizes opportunities, and mitigates dangers is crucial for the sustained expansion of sharia fintech. An excellent tool for developing such a strategy is the SWOT analysis framework. With the largest muslim population in the world, Indonesia’s demographics are unquestionably favorable for sharia fintech. But what’s new is realizing that the ingrained cultural attachment to Islamic banking can be used as a driving force behind creative product development as well as a competitive advantage. Through the utilization of this cultural resonance, sharia fintech can actively influence financial behaviors that promote economic fairness, risk sharing, and ethical investment, rather than merely adhering to sharia law. Although there is clear demand for sharia compliant products, the finance industry still lacks comprehensive regulatory frameworks and regulated standards, which is a serious shortcoming. The novel aspect of this is that it promotes cooperation between academics, industry participants and regulators. This partnership has the potential to result in the creation of dynamic laws that are both in line with Islamic law and adaptable enough to take advantage of the fintech industry’s rapid innovation. Study This use method is qualitative with approach studies sourced literature from relevant articles, books, journals, and notes with a study to answer the problem formulated. Opportunities abound in Indonesia’s fintech scene, especially when it comes to increasing financial inclusion for marginalized groups. Leading this charge could be sharia fintech, which provides products that meet the unique financial requirements of these communities while still adhering to Islamic law. The innovation is in the way these products are conceptualized, connecting modern fintech to traditional Islamic financial procedurs. Examples include using blockchain to provide transparency in the distribution of zakat or developing AI powered risk assessment models that comply with sharia law. Based on the IFE and EFE analysis above can be concluded that that became obstacle in the most important development of sharia fintech in Indonesia is minimal knowledge of public villages For operating sharia fintech, the second is lack of source Power humans (HR) control contract transaction based sharia principles, then the third competition future technology, and finally that is development sharia fintech products with various type type contract.

Maqāshid Sharia-Based Zakat Distribution Model: Zakat Distribution Program in National Zakat Agency DKI Jakarta Mahmudah, Siti Nur; Aziz Alwa, Moh Abdul
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022): INVEST - Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5101

Based on Law Number 23 of 2011 concerning Zakat Management, which strengthens BAZNAS as an institution authorized to manage Zakat responsible for supervising zakat management based on Islamic law, mandate, benefit, justice, legal certainty, integration, and accountability, the purpose of this article is to explain how BAZNAS distributes Zakat in DKI Jakarta. The research method involves literature, including websites, books from the National Amil Zakat Agency, and articles on the studied topics. The National Amil Zakat Agency (BAZNAS) distributes economic empowerment, economic programs, and educational programs from the point of view of dharuriyat (faith, soul, descent, reason, and wealth), hajiyyat, and tahsiniyat (BAZNAS). Regarding Maqāshid Sharia, this paper concludes that the "Jak B Be Taqwa" program, the "Jak B Cerdas" program, the "Jak B Sehat" program, the "Jak B Hijau" program, and the "Jak B Berdaya" program implemented from 2019 to 2022 are a form of implementation of the Maqāshid Sharia -based zakat distribution model by BAZNAS in DKI Jakarta.

Impact Of Income On Consumption Behavior Of Urban Muslim Community In Kediri City (Case Study at Bandar Kidul Village Kecamatan Mojoroto Kediri) Mahmudah, Siti Nur; Widiastuti, Tika; Hendratmi, Achsania
Ekonomi Islam Vol. 9 No. 1 (2018): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

The income of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri is mostly a woven cloth businessman who became the livelihood for the Muslim community in Bandar Bandar Kidul. This effort has been fostered by Bank Indonesia which is the Central Bank which is very supportive of this ikat business. Most of the Muslim community's income in Bandar Bandar Kidul comes from ikat business. When the ikat orders surged high, the income of the community will also increase and affect the consumption behavior of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This research uses the descriptive qualitative method with case study research strategy. Methods of data collection using interview method. Interviews were conducted with eight informants, namely ikat weaving businessmen and caretakers of pesantren huts. Based on the results of the study, the researcher can conclude that income has a very big impact on consumption behavior of urban Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri with some indicators namely; The first indicator with the amount of expenditure, the second indicator with the indicator of Islamic consumption, and the third indicator is the indicator of need fulfillment. Of the three indicators above can be seen that income has a positive impact on the consumption behavior of urban Muslim communities in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This is evidenced by the amount of expenditure that is adjusted to the income, pay attention to the goods consumed for halal and thayyib and not extravagant and exaggerated, the fulfillment of income-adjusted needs.

Impact Of Income On Consumption Behavior Of Urban Muslim Community In Kediri City (Case Study at Bandar Kidul Village Kecamatan Mojoroto Kediri) Mahmudah, Siti Nur; Widiastuti, Tika; Hendratmi, Achsania
Ekonomi Islam Vol. 9 No. 1 (2018): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

The income of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri is mostly a woven cloth businessman who became the livelihood for the Muslim community in Bandar Bandar Kidul. This effort has been fostered by Bank Indonesia which is the Central Bank which is very supportive of this ikat business. Most of the Muslim community's income in Bandar Bandar Kidul comes from ikat business. When the ikat orders surged high, the income of the community will also increase and affect the consumption behavior of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This research uses the descriptive qualitative method with case study research strategy. Methods of data collection using interview method. Interviews were conducted with eight informants, namely ikat weaving businessmen and caretakers of pesantren huts. Based on the results of the study, the researcher can conclude that income has a very big impact on consumption behavior of urban Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri with some indicators namely; The first indicator with the amount of expenditure, the second indicator with the indicator of Islamic consumption, and the third indicator is the indicator of need fulfillment. Of the three indicators above can be seen that income has a positive impact on the consumption behavior of urban Muslim communities in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This is evidenced by the amount of expenditure that is adjusted to the income, pay attention to the goods consumed for halal and thayyib and not extravagant and exaggerated, the fulfillment of income-adjusted needs.

MaqÄshid Sharia-Based Zakat Distribution Model: Zakat Distribution Program in National Zakat Agency DKI Jakarta Mahmudah, Siti Nur; Aziz Alwa, Moh Abdul
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5101

Based on Law Number 23 of 2011 concerning Zakat Management, which strengthens BAZNAS as an institution authorized to manage Zakat responsible for supervising zakat management based on Islamic law, mandate, benefit, justice, legal certainty, integration, and accountability, the purpose of this article is to explain how BAZNAS distributes Zakat in DKI Jakarta. The research method involves literature, including websites, books from the National Amil Zakat Agency, and articles on the studied topics. The National Amil Zakat Agency (BAZNAS) distributes economic empowerment, economic programs, and educational programs from the point of view of dharuriyat (faith, soul, descent, reason, and wealth), hajiyyat, and tahsiniyat (BAZNAS). Regarding MaqÄshid Sharia, this paper concludes that the "Jak B Be Taqwa" program, the "Jak B Cerdas" program, the "Jak B Sehat" program, the "Jak B Hijau" program, and the "Jak B Berdaya" program implemented from 2019 to 2022 are a form of implementation of the MaqÄshid Sharia -based zakat distribution model by BAZNAS in DKI Jakarta.

IMPLEMENTATION OF SHARIA MAQASHID ON SUKUK BASED ON FATWA DSN-MUI/IX/2020 Mahmudah, Siti Nur; Ghozali, Muhammad Lathoif; Ritonga, Iskandar
Islam Futura Vol 22, No 2 (2022): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v22i2.12296

Sukuk is an alternative option for government or corporate funding in the capital market for the sake of progressing the national economy. With the issuance of sukuk, the government or companies will get substantial funds. This is an attraction to help improve infrastructure development carried out by the government or companies. The approach taken in this research is a qualitative approach with library research type and is useful in collecting primary and secondary data sources in the form of documentation because it comes from several books, journals and other literature. The last step is data analysis through descriptive analysis method, namely data reduction, data display, and conclusion. The results of this study are the needs that can be met with the existence of sukuk, namely dharuriyah (mandatory needs), Hajiyyat (secondary needs), Tahsiniyyat (tertiary needs). This research was conducted with the aim of analyzing the benefits of issuing sukuk for a country from the perspective of maqashid sharia about sukuk

Can Indonesia Become A Cashless Society through Digitalization and Financial Literacy? Soenjoto, Wening Purbatin Palupi; Mahmudah, Siti Nur
El Barka Vol. 6 No. 2 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i2.6960

After the Covid-19 pandemic, it cannot be denied that online shopping has increased shopping behavior patterns using non-cash money. This is due to restrictions on community activities and cash is considered to be a trigger for the spread of the Covid19 virus. This research looks at the phenomenon of using cash as an impact of the Covid-19 pandemic, whether it triggers an increase in non-cash financial literacy and whether government programs for people's movement to use non-cash money can form a non-cash society as a form of effective use of non-cash money or even trigger consumer behavior with minimal understanding non-cash financial literacy. This research uses a qualitative, phenomenal approach by collecting data through interviews with 50 informants with criteria aged 19-21 years and to triangulate the data, interviews were conducted with 2 employees of Bank BSI Jombang and BRI Pulung Ponorogo who have expertise in the banking sector. Based on the research results, it is stated that cashless users aged 19-21 years, influence consumer behavior but have not yet been balanced with detailed knowledge of digital financial literacy and still the function of non-cash money is mostly on shopping behavior so that digital financial skills in non-cash only limited to debits and credits in the cash flow of bank accounts. There is a difference between women and men in usage, namely that men study the products they will buy using cashless and are not easily influenced by promotions compared to women who easily use cashless without studying the details of the products they will buy so they are easily influenced by promotions. It can be used as a basis for policy making in the economic and banking sectors.

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