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All Journal At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Mosaic: Jurnal Pengabdian Kepada Masyarakat
Manilet, Aisa
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Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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UTILIZING ZISWAF AS AN INSTRUMENT FOR FINANCIAL INCLUSION AND POVERTY REDUCTION EFFORTS Holle, Mohammad H.; Manilet, Aisa; Nur Asyiah, Binti; Ismail, Syed
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 1 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i1.8717

Abstract

The government implements various poverty alleviation policies, Ziswaf has not been utilized as an instrument of financial inclusion in poverty alleviation. This study aims to examine and provide solutions to poverty alleviation by making Ziswaf an instrument of financial inclusion. Field research with a qualitative descriptive thinking paradigm makes the Takmir community the subject of the interview and scattered mosques the main object. In addition to the OJK report, Bank Indonesia, Puskas Baznas, and KNEKS are its supporters. The results of the study found that Ziswaf's potential is very large, but the Ziswaf funds distributed have not been able to alleviate poverty. Access and availability of Ziswaf funds are still very scarce and difficult for the community to obtain, the distribution is incidental and consumptive rather than productive. Ziswaf as an instrument of financial inclusion is expected to be managed on target to alleviate poverty.
Analysis Of Sme Financing And Shock Variables At Indonesia's Sharia Rural Banks (Bprs) In Indonesia Yaman, Afdhal; Nihaya, Ina Uswatun; Shalihah, Mar'atun; Tuanany, Ismail; Manilet, Aisa; Hulihulis, Nur Sasma Sabila
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 11, No 2 (2025): DESEMBER 2025
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v11i2.18061

Abstract

This study investigates the effects of macroeconomic shock variables, namely inflation, the BI rate, and the exchange rate, on SME financing in Indonesia’s Sharia Rural Banks (BPRS). This research employs a quantitative approach using time-series data from April 2016 to August 2023, comprising 89 observations, and is analyzed using EViews 10. The results show that inflation has a more stable and dominant effect on SME financing cycles, whereas the BI rate and exchange rate exhibit heterogeneous and time-varying influences. Moreover, the contribution of inflation to SME financing in BPRS tends to increase over time. This study contributes to the Islamic finance literature by demonstrating a distinctive transmission mechanism of macroeconomic shocks within Sharia-based rural banking, which operates under profit-and-loss sharing and asset-backed financing principles. From a policy perspective, the findings suggest that maintaining price stability is crucial for sustaining SME financing growth in the Islamic banking sector. Therefore, Bank Indonesia (BI) should prioritize inflation control, while the Financial Services Authority (OJK) needs to strengthen prudential supervision to enhance BPRS resilience against external volatility. In addition, BPRS management is encouraged to improve risk management and portfolio strategies to mitigate macroeconomic uncertainty and ensure financing sustainability.
Gerakan Anak Pulau Cerdas Keuangan: Edukasi Literasi Finansial bagi Pelajar di Negeri Wailulu Shalihah, Mar'atun; Yaman, Afdhal; Manilet, Aisa; Hanifah; Christianty, Restia; Ridwan
Mosaic: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 3 (2025): December 2025
Publisher : Lontara Digitech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/mosaic.v2i3.543

Abstract

Program Gerakan Anak Pulau Cerdas Keuangan dilaksanakan di Negeri Wailulu, Maluku Tengah, sebagai upaya meningkatkan literasi keuangan pelajar di wilayah pesisir yang menghadapi keterbatasan akses edukasi finansial. Kegiatan ini bertujuan untuk memperkuat pemahaman konsep dasar keuangan, membentuk kebiasaan menabung, serta menanamkan nilai-nilai keuangan syariah. Metode pelaksanaan menggunakan pendekatan outdoor learning dan learning by playing, di mana mahasiswa Program Studi Manajemen Keuangan Syariah (MKS) bertindak sebagai fasilitator melalui permainan edukatif, simulasi pengelolaan uang, studi kasus lokal, serta diskusi interaktif. Evaluasi dilakukan melalui pre-test dan post-test serta observasi perilaku peserta. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman peserta mengenai kebutuhan dan keinginan, penyusunan anggaran, serta manajemen uang jajan. Pelajar juga menunjukkan perubahan perilaku keuangan, termasuk konsistensi menabung melalui celengan tujuan, kemampuan mencatat pengeluaran sederhana, serta kewaspadaan terhadap risiko pinjaman online ilegal. Integrasi nilai keuangan syariah turut memperkuat aspek etika dan tanggung jawab dalam pengelolaan uang. Pendekatan outdoor terbukti efektif meningkatkan keterlibatan, motivasi belajar, dan retensi materi. Secara keseluruhan, program ini memberikan dampak positif yang nyata dan dapat menjadi model intervensi literasi keuangan yang relevan untuk masyarakat pesisir. Kegiatan serupa direkomendasikan untuk dilanjutkan secara berkelanjutan melalui kolaborasi sekolah, pemerintah negeri, dan perguruan tinggi.
Co-Authors Afdhal Yaman Hanifah Holle, Mohammad H. Hulihulis, Nur Sasma Sabila Ismail, Syed Nihaya, Ina Uswatun Nur Asyiah, Binti Restia Christianty Ridwan Shalihah, Mar'atun Tuanany, Ismail