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Strategi Penanganan Pembiayaan Bemasalah Pada Pembiayaan Murabahah Di Masa Pandemi Covid-19 Azwar, Martavevi
Zhafir | Journal of Islamic Economics, Finance, and Banking Vol 3 No 1 (2021): Zhafir | Journal of Islamic, Economics, Finance, and Banking
Publisher : Kopertais Wilayah I DKI Jakarta dan Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51275/zhafir.v3i1.225

As a sharia financial institution, the business activity of Bank Syariah Indonesia KC Daanmogot Tangerang is to collect public funds in the form of deposits and channel them back in the form of loans. In distributing financing, the financing that is most in demand by the public at Bank Syariah Indonesia KC Daanmogot Tangerang is murabahah financing. However, in providing financing to customers, it cannot be separated from various risks, one of which is non-performing financing, because it can lead to a decrease in the health level of bank liquidity and the level of trust of debtors to the bank. So that this study was conducted to examine the handling strategies carried out by banks against non-performing financing during the covid-19 pandemic. The main problem in this research is. first, what are the factors that cause problematic financing during the covid-19 pandemic, and second, how is the strategy for handling problematic financing in murabahah financing at Bank Syariah Indonesia KC Daanmogot Tangerang. The type of research used in this project is field research. Research that is taking the research location at Bank Syariah Indonesia Branch Office Daanmogot Tangerang with a qualitative approach. Sources of data in this study consisted of primary sources and secondary sources obtained through interviews and documentation. The data that has been collected is then analyzed using descriptive analysis method. From the results of this study concluded that the factors causing problematic financing during the COVID-19 pandemic can come from customers and Bank Syariah Indonesia Daanmogot Tangerang Branch Office. The strategy for handling problematic financing on murabahah financing during the Covid-19 pandemic at the Daanmgot Tangerang Branch Office, namely by, Approaching customers, Intensive collection, Giving warning letters, namely SP 1 to 3, and Restructuring by rescheduling, namely, extending the financing period, extending the installment period, and the most used during this covid-19 pandemic is reducing the number of installments.

‘Flexing’ and its Implications for Religious and Social Life Among Indonesian Muslim Millennials Rachman, Abdul; Sangare, Bilaly; Suardi, Didi; Jamaludin, Nur; Azwar, Martavevi; Simatupang, Aisyah Defy R.; Karim, Salman Izudin; Aprianto, Muhammad Rafli; Rizky, Teguh Muhammad
Cakrawala: Jurnal Studi Islam Vol 19 No 2 (2024)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/cakrawala.10461

This study investigates the implications of the ‘flexing’ phenomenon, characterized by the ostentatious display of wealth and material possessions on social media, on the religious and social life of Indonesian Muslim millennials. Employing a qualitative research methodology, the study analyzes data collected through social media observation and interviews with millennial Muslims. Findings reveal that ‘flexing’ can have detrimental effects on religious life, including fostering excessive materialism, eroding integrity and honesty, and hindering the fulfillment of Islamic obligations such as Zakat and charitable giving. Furthermore, the study demonstrates that "flexing" contributes to social issues such as excessive consumerism, social inequality, a decline in empathy and concern for others, and potential mental health issues arising from social comparison and insecurity. The study concludes that while ‘flexing’ may be perceived differently by individuals, its potential negative impacts on religious values and social cohesion warrant critical consideration.

Optimalisasi Pengelolaan Dana Zakat dalam Mendukung Program Pendidikan Beasiswa Cendekia BAZNAS Kota Tangerang Suardi, Didi; Nurul Lailah, Luthfiatun; R. Simatupang, Aisyah Defy; Azwar, Martavevi; Septi, Iti; Tidjani, Shofiah; Komariyah, Oom
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.9844

This study aims to determine the optimization of zakat fund management in supporting the BAZNAS Tangerang City Cendekia Scholarship program. This study uses a qualitative method with a case study approach. The data used were obtained from interviews, observations, and documentation collected directly from BAZNAS Tangerang City. The results of this study indicate that the management of zakat funds through the BAZNAS Tangerang City Cendekia Scholarship education program has been running optimally. Optimization is carried out by distributing funds effectively, efficiently, on target, and long-term. The program is supported by internal and external factors. In addition, there are inhibiting factors in implementing the program but they are not very significant, so the management of funds in this program can be said to be quite optimal. The results of this study serve as a basis for BAZNAS and other zakat institutions to maintain and develop educational programs. Because the BAZNAS Tangerang City Cendekia Scholarship has succeeded in becoming an effective program in allocating zakat funds for education. This research is in line with the results of research conducted by Asep Kurniawan (2023) which explains that this scholarship program has been quite effective during its three-year run. The benchmarks for effectiveness are seen from the fluid adaptation of team solidarity, the quality of the programs implemented, the work achievements obtained, job satisfaction, and views from external parties.

Membangun Desa Ranca Kalapa Secara Kolaboratif dan Partsipatif Melalui Pemberdayaan UMKM Suardi, Didi; Azizah, Idha; R. Simatupang, Aisyah Defy; Azwar, Martavevi; Tidjani, Shofiah; Komariyah, Oom; Septi, Iti; Jamaludin, Nur
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 4 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) Edisi September - Desembe
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v5i4.4945

Keterbatasan informasi dan pemahaman tentang legalitas usaha menjadi salah satu hambatan utama perkembangan UMKM di Desa Ranca Kalapa, Kecamatan Panongan, Kabupaten Tangerang. Banyak pelaku UMKM di desa ini yang belum memiliki Nomor Induk Berusaha (NIB), yang berdampak pada stagnasi usaha dan keterbatasan akses pembiayaan serta pasar. Selain itu, rendahnya inovasi produk, branding, dan strategi pemasaran menyebabkan daya saing produk UMKM cenderung lemah di pasar modern. Program pengabdian kepada masyarakat oleh mahasiswa Universitas Cendekia Abditama (UCA) bertujuan memberikan solusi melalui pendekatan terstruktur, meliputi: (1) asistensi pembuatan NIB, (2) inovasi produk, (3) rebranding dan repacking, (4) seminar sertifikasi halal, dan (5) pelatihan pemasaran berbasis digital. Metode ini diawali dengan analisis kebutuhan pelaku UMKM, pendampingan intensif, hingga evaluasi hasil program. Hasil program menunjukkan bahwa seluruh peserta berhasil memperoleh NIB, meningkatkan pemahaman tentang legalitas usaha, dan mengakses peluang pasar yang lebih luas. Salah satu keberhasilan program adalah inovasi produk rengginang dengan varian rasa baru, rebranding produk kembang tahu, dan kemasan baru untuk anyaman bambu. Seminar sertifikasi halal juga mendorong pelaku UMKM memahami pentingnya sertifikasi untuk meningkatkan kepercayaan konsumen. Kesimpulannya, program ini mampu meningkatkan kesadaran pelaku UMKM terhadap aspek legalitas, inovasi, branding, dan pemasaran, sehingga memperkuat posisi UMKM di pasar yang kompetitif. Kolaborasi antara masyarakat, mahasiswa, dan pemerintah desa menjadi faktor kunci keberhasilan program ini untuk pemberdayaan ekonomi lokal.

Pendampingan Proses Produk Halal Dalam Program Sertifikasi Halal Gratis (SEHATI) Bagi Pelaku UMKM Kedu Emas Tangerang Rachman, Abdul; Sunardi, Sunardi; Simatupang, Aisyah Defy R; Tidjani, Shofiah; Azwar, Martavevi
JAPI (Jurnal Akses Pengabdian Indonesia) Vol 8, No 1 (2023)
Publisher : Universitas Tribhuwana Tunggadewi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/japi.v8i1.4558

Pendampingan Proses Produk Halal (PPH) adalah kegiatan pengabdian yang ditujukan untuk membantu para pelaku UMKM Kedu Emas di Kecamatan Kelapa Dua, Kabupaten Tangerang. Program Sertifikasi Halal Gratis (SEHATI) merupakan program gratis yang ditawarkan oleh Kementerian Agama Republik Indonesia melalui BPJPH. Program tersebut merupakan salah satu strategi dalam mengakselerasi peningkatan jumlah pelaku UMKM yang tersertifikasi halal di Indonesia. Metode pada kegiatan ini yaitu PAR (Participatory Action Research) yaitu metode yang melibatkan partisipasi masyarakat dalam kegiatan pendampingan proses produk halal di Kecamatan Kelapa Dua, Kabupaten Tangerang. Pelaku usaha yang didampingi adalah pelaku usaha yang bergabung dalam kelompok Kedu Emas dengan berbagai macam produk baik produk makanan seperti siomay, pempek, keripik singkong, keripik kentang, dan sebagainya. Pendampingan ini dilakukan untuk dapat melatih dan mendampingi para pelaku UMKM dalam mengisi Manual SJPH, mengisi aplikasi SiHalal dan menginput data produksi pada aplikasi SiHalal serta melakukan verifikasi dan validasi pada produk yang didaftarkan pada program SEHATI. Hasil kegiatan pengabdian ini adalah tersertifikasi halal bagi pelaku UMKM yang didampingi sehingga memiliki nilai tambah pada produk yang diproduksi dan terjamin kehalalan produk yang sudah disertifikasi halal melalui program sertifikasi halal gratis (SEHATI).

A Maqasid-Based Governance Framework for Islamic Banking: Integrating VBI, ESG, and Ethical Digital Transformation Suardi, Didi; Azwar, Martavevi; Simatupang, Aisyah Defy R.; Septi, Iti; Komariyah, Oom; Tidjani, Shofiah
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 2 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i2.21297

This research contributes to the literature through the propositions of the Maqasid-Based Governance Framework (MBGF), which would help realign Islamic banking for sustainability and the digital era with higher objectives of Shariah. Drawing on the classical teachings of Al-Ghazali and al-Shatibi on maqasid al-shariah, and on modern governance views offered by Chapra, this study integrates maqasid al-shariah with VBI, ESG practices, and ethical digital governance. Based on a qualitative concept methodology, the paper synthesises ethical foundations, institutional governance, sustainability indicators, and digital innovation into a comprehensive governance architecture. The results indicate that the MBGF facilitates transparency, social value addition, eco-friendliness, and digital ethics in Islamic banking. The paper also highlights related indicators , such as the Maqasid Performance Index (MPI) and the Maqasid Shariah Index (MSI), to operationalise maqasid-based governance. The contribution of this paper is theoretical, in terms of giving a new positioning to maqasid as the broad governance framework; conceptual, in terms of amalgamating VBI, ESG, and digital ethics into a multi-layered model; and empirical, by providing regulators and practitioners with a practical governance blueprint for value-driven and sustainable Islamic finance.

Optimalisasi Pengelolaan Dana Zakat dalam Mendukung Program Pendidikan Beasiswa Cendekia BAZNAS Kota Tangerang Suardi, Didi; Nurul Lailah, Luthfiatun; R. Simatupang, Aisyah Defy; Azwar, Martavevi; Septi, Iti; Tidjani, Shofiah; Komariyah, Oom
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.9844

This study aims to determine the optimization of zakat fund management in supporting the BAZNAS Tangerang City Cendekia Scholarship program. This study uses a qualitative method with a case study approach. The data used were obtained from interviews, observations, and documentation collected directly from BAZNAS Tangerang City. The results of this study indicate that the management of zakat funds through the BAZNAS Tangerang City Cendekia Scholarship education program has been running optimally. Optimization is carried out by distributing funds effectively, efficiently, on target, and long-term. The program is supported by internal and external factors. In addition, there are inhibiting factors in implementing the program but they are not very significant, so the management of funds in this program can be said to be quite optimal. The results of this study serve as a basis for BAZNAS and other zakat institutions to maintain and develop educational programs. Because the BAZNAS Tangerang City Cendekia Scholarship has succeeded in becoming an effective program in allocating zakat funds for education. This research is in line with the results of research conducted by Asep Kurniawan (2023) which explains that this scholarship program has been quite effective during its three-year run. The benchmarks for effectiveness are seen from the fluid adaptation of team solidarity, the quality of the programs implemented, the work achievements obtained, job satisfaction, and views from external parties.

Kesesuaian Akad Murabahah pada Pembiayaan Mitra Mikro Multiguna di Koperasi Syariah Suardi, Didi; Wahdaniah, Puput; Defy R. Simatupang, Aisyah; Azwar, Martavevi; Septi, Iti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10667

Penelitian ini menganalisis kepatuhan syariah akad murabahah pada produk pembiayaan Mitra Mikro Multiguna (MMG) di Koperasi Syariah Benteng Mikro Indonesia (Kopsyah BMI) dengan merujuk pada Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 tentang Murabahah. Pendekatan yang digunakan adalah kualitatif deskriptif dengan desain studi kasus tunggal; data diperoleh melalui wawancara mendalam dengan pengelola dan anggota, serta didukung observasi dan studi dokumen. Hasil penelitian menunjukkan bahwa struktur dasar transaksi murabahah MMG, meliputi pembelian barang oleh koperasi, pemindahan kepemilikan, penetapan harga pokok beserta margin, dan pembayaran angsuran tetap pada prinsipnya telah selaras dengan ketentuan utama fatwa. Namun, masih terdapat kelemahan pada aspek pemisahan dan pengungkapan harga pokok dan margin kepada anggota, penyerahan salinan akad dan bukti pembelian yang belum konsisten, serta pemahaman anggota yang belum merata mengenai hak dan kewajiban dalam akad murabahah. Temuan ini mengindikasikan bahwa, di luar kepatuhan struktural, penguatan kepatuhan syariah yang substantif memerlukan dokumentasi yang lebih jelas dan baku, peningkatan literasi akad bagi anggota, serta peran Dewan Pengawas Syariah yang lebih proaktif dalam mengawasi implementasi dan menjelaskan mekanisme akad.

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