Articles
<![CDATA[IMPLEMENTASI PENERAPAN PEMBIAYAAN ULTRA MIKRO DI BMT-UGT SIDOGIRI ]]>
<![CDATA[Muttaqin, Aminnullah Achmad]]>;
<![CDATA[Hartono, Arina Rusyda]]>
<![CDATA[ El-Barka: Journal of Islamic Economics and Business Vol 2, No 2 (2019) ]]>
Publisher : <![CDATA[IAIN Ponorogo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21154/elbarka.v2i2.1760
<![CDATA[Abstract: A financial institution functions as an intermediary institution that connects surplus units with deficit units. But there are still many micro businesses that have difficulty getting capital assistance from financial institutions (banks). The micro businesses who have difficulty getting credit from the bank are looking for non-formal financial institutions that are easily accessible to apply for credit such as moneylenders. Behind the convenience provided by loan sharks, there are things that are felt to burden business people because they have to pay interest of 10% -30% every month and penalties if they experience delays. The Ministry of Finance has a program that can be used as a solution to provide easy and fast financing facilities for micro businesses, namely ultra-micro financing (UMI). BMT-UGT Sidogiri is a linkage institution under the auspices of PT. Bahana Artha Ventura, which channeled ultra-micro financing to UMI members. Therefore, this study aims to determine the application of ultra-micro financing in BMT-UGT Sidogiri in helping to capitalize micro businesses. This study uses descriptive analysis with interviews and literature studies as a method of data collection. The key informant in this study is the head of the BMT-UGT Sidogiri Central financing division. While supported by literature studies related to UMI financing obtained from the Ministry of Finance and the Ministry of Cooperatives and SMEs. ??????: ???? ??????? ??????? ??? ????? ?? ???? ?? ????? ??? ????? ?????? ?????????. ??? ?? ?????? ????? ????? ?? ??????? ??????? ????? ?????? ?????? ??????? ?? ??????? ??????? ???????. ??? ????? ?????? ??????? ?? ??????? ??????? ??? ??????? ???? ??????? ?????? ??? ?????????? ??? ???????. ??? ??????? ?? ??? ?????? ?????? ????? ?????? ?? ??? 10-30 % ??? ??? ?????? ??? ??? ?????????? ??????? ?? ??? ?????? ?????. ???? ????? ?????? ??????? ????????? ??????? ?????? ???? ??? ?????? ??????? ???????. ???? ??? ????? ???????? ???????? ?????? ??? ?????? ?????? ?????? ???? ??????? ???? ????? ????????? ????? ??????? ??????? ??? ????? ??????. ????? ???? ??? ????? ??? ????? ????? ????? ??? ?????? ??????? ???????. ??????? ??? ????? ????? ????? ?????? ?????? ?????? ???????? ?????? ??????? ?????? ??? ???????? ???????. ????????? ?? ??? ????? ??? ???? ??? ??????? ???? ????? ???????? ???????? ?????? ??????. ??????? ???????? ??? ????? ???? ??????? ?? ????? ?????? ??????? ?????? ?????? ???????? ??????? ??????? ?? ?????????. Abstrak: Lembaga keuangan berfungsi sebagai lembaga intermediasi yaitu menghubungkan antara surplus unit dengan deficit unit. Namun masih banyak usaha mikro yang kesulitan mendapatkan bantuan permodalan dari lembaga keuangan (perbankan). Para pelaku usaha mikro yang kesulitan mendapatkan kredit dari bank tersebut mencari lembaga keuangan non formal yang mudah diakses untuk mengajukan kredit seperti rentenir. Dibalik kemudahan yang diberikan rentenir, terdapat hal yang dirasa memberatkan para pelaku usaha karena harus menanggungg bunga sebesar 10%-30% setiap bulan dan denda jika mengalami keterlambatan. Kementrian Keuangan mempunyai program yang dapat dijadikan solusi untuk menyediakan fasilitas pembiayaan yang mudah dan cepat bagi usaha mikro yaitu pembiayaan ultra mikro (UMI). BMT-UGT Sidogiri merupakan lembaga linkage dibawah naungan PT. Bahana Artha Ventura yang menyalurkan pembiayaan ultra mikro kepada anggota UMI. Oleh karena itu, penelitian ini bertujuan untuk mengetahui penerapan pembiayaan ultra mikro di BMT-UGT Sidogiri dalam membantu permodalan usaha mikro. Penelitian ini menggunakan analisis deskriptif dengan wawancara dan studi literature sebagai metode pengambilan data. Informan kunci pada penelitian ini yaitu ketua divisi pembiayaan BMT-UGT Sidogiri Pusat, kepala kantor layanan BMT-UGT Sidogiri, dan anggota UMi. Sedangkan didukung oleh studi literature terkait pembiayaan UMI yang diperoleh dari Kementrian Keuangan dan Kementrian Koperasi dan UMKM. ]]>
<![CDATA[Pemberdayaan Ekonomi Masyarakat Desa Wonorejo Kecamatan Srengat Kabupaten Blitar Berbasis Ekonomi Islami ]]>
<![CDATA[Aminnullah Achmad Muttaqin]]>;
<![CDATA[Iswan Noor]]>;
<![CDATA[Adelia Dianti Ikaputri]]>;
<![CDATA[Fira Alfi Syahrin]]>
<![CDATA[ Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 5 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) SPECIAL ISSUE ]]>
Publisher : <![CDATA[Cv. Utility Project Solution ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
<![CDATA[Indonesia adalah negara dengan penduduk muslim terbesar di dunia yang mayoritas bertempat tinggal di pedesaan. Besarnya potensi tersebut tidak berkorelasi positif dengan tingginya tingkat pertumbuhan ekonomi Islami. Terbukti dengan tingkat literasi ekonomi Islami yang masih rendah. Fakta literasi ekonomi Islami salah satunya terdapat di Desa Wonorejo Kecamatan Srengat, Kabupaten Blitar, Jawa Timur yang mayoritas masyarakatnya belum mengetahui tentang ekonomi Islami, sehingga masih banyak yang melakukan kegiatan simpan pinjam yang menggunakan sistem ribawi dan transaksi ekonomi yang tidak sesuai hukum Islam. Akademisi sebagai representasi dari lembaga pendidikan diharapkan dapat berkontribusi dalam mencerdaskan masyarakat. Pengabdian masyarakat dengan pendekatan Participatory Action Research (PAR) merupakan strategi yang tepat untuk memberikan manfaat bagi masyarakat muslim Indonesia khususnya masyarakat Desa Wonorejo. Kegiatan pengabdian kepada masyarakat terbukti berhasil dilaksanakan, hal ini terlihat dari antusias masyarakat untuk bertanya atau berpendapat pada saat proses penyampaian materi dan sesi tanya jawab, peningkatan pemahaman terhadap ekonomi Islami, dan inisiatif dari beberapa pihak, peserta juga melakukan diskusi mengenai perkembangan ekonomi Islami di akhir sesi sosialisasi.]]>
<![CDATA[Identification of Community-Based Agricultural Zakat Implementation: ]]>
<![CDATA[Muttaqin, Aminnullah Achmad]]>;
<![CDATA[Anggraini, Ika Khusnia]]>;
<![CDATA[Ekawaty, Marlina]]>;
<![CDATA[Azizi, Naurah Nadzifah]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.47467/alkharaj.v6i2.5070
<![CDATA[Indonesia is an agricultural country where most of the population works as farmers, the agricultural sector is one of the main sectors of the country's economy. In line with that, statistical data proves that the agricultural sector is still the most important sector in supporting national economic development, especially during the recent pandemic that hit the world where the agricultural sector is at a stable pace compared to other sectors. Temboro Village has a unique culture in terms of the local community that distinguishes it from other villages, namely the concept of Madinah village with a distinctive culture based on certain Islamic ideologies. The research intends to identify the process of agricultural zakat implementation in the village of Temboro and is expected to contribute to the development of agricultural zakat implementation in other areas in Indonesia. The qualitative research method is used with an interpretive approach in a case study where the researcher is involved in sharing experiences with participants in Temboro Village. The results of the study prove that the management of agricultural zakat in Temboro Village is still categorized as traditional. There is no official (amil) zakat institution (LAZ) in Temboro Village. The system of collecting and distributing agricultural zakat is more emphasized on agricultural zakat and infaq which makes the mosque and boarding school the center. The problem in collecting agricultural zakat is not only that individual agricultural land ownership is relatively small but also not all farmers in Temboro village pay their agricultural zakat, so the percentage of agricultural zakat is not optimal and is distributed directly to the village community.]]>
<![CDATA[PENGARUH SEKTOR BASIS, MODAL, DAN TENAGA KERJA TERHADAP KONVERGENSI PERTUMBUHAN EKONOMI DI DKI JAKARTA ]]>
<![CDATA[Zahra, Muthia]]>;
<![CDATA[Muttaqin, Aminnullah Achmad]]>
<![CDATA[ Journal of Development Economic and Social Studies Vol. 2 No. 2 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21776/jdess.2023.02.2.17
<![CDATA[Convergence is a process where high economic growth reduces development inequality. Convergence occurs when poorer regions experience higher economic growth than richer regions. DKI Jakarta is a province that has high economic growth, but inequality between cities/regencies in DKI Jakarta from 2000 - 2010 is still high. This study uses the Fixed Effect Model (FEM) to see indications of convergence and the factors that influence it in DKI Jakarta during 2011-2021. The results showed that there was convergence between cities / regencies in DKI Jakarta Province, characterized by a negative and significant initial per capita income coefficient value. The base sector GRDP, capital, and labor variables are proven to be jointly able to influence economic growth and accelerate the half-life of convergence from 72 years to 9 years. Base sector income can significantly accelerate the convergence so that the policy of developing the tertiary sector in the city area; as well as the primary and secondary sectors in Kepulauan Seribu Regency as a base sector can be considered to accelerate convergence.]]>
<![CDATA[PENGARUH JUMLAH TENAGA KERJA, IPM, DAN IPTIK TERHADAP PERTUMBUHAN EKONOMI ]]>
<![CDATA[Lazuardi, Alvin Sabastian]]>;
<![CDATA[Muttaqin, Aminnullah Achmad]]>
<![CDATA[ Journal of Development Economic and Social Studies Vol. 2 No. 3 (2023) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21776/jdess.2023.02.3.02
<![CDATA[The purpose of this study was to determine the effects of total labor, the human development index, and the information and communication technology development index on economic growth in Yogyakarta Province. This research is quantitative, using time series data. The model in this study uses multiple linear regression analysis as well as hypothesis testing and classical assumption testing. The data source used is secondary data taken from BPS for GRDP data in Yogyakarta Province, labor data, HDI data, and ICT development index data in the period 2012 to 2021. The results showed that labor and the Information and Communication Technology (ICT) development index had a significant positive effect on economic growth in Yogyakarta Province, while the Human Development Index (HDI) had a negative but insignificant effect on economic growth in Yogyakarta Province.]]>
<![CDATA[PENGGUNAAN PRINSIP SYARIAH DALAM BERBISNIS PADA PENGUSAHA ]]>
<![CDATA[Laksono, Dizza Ludfi]]>;
<![CDATA[Muttaqin, Aminnullah Achmad]]>
<![CDATA[ Journal of Development Economic and Social Studies Vol. 3 No. 3 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21776/jdess.2024.03.3.20
<![CDATA[Business activities with sharia principles in this journal are seen from researcher observations and start from things that are clearly visible. Researchers want to know the motives behind changes in behavior, business operating procedures, and feedback on entrepreneurs who apply sharia principles to their business. The research was conducted in Sidoarjo Regency and aimed to find out the underlying reasons for entrepreneurs conducting business using sharia principles. The methodology used in this research is qualitative with a phenomenological approach. Data collection technique strategy was dept-interview with semi-structured methods, researchers managed to find 11 informants. The results of this research are entrepreneurs who intend to apply sharia principles which are not far from the explanations of the Qur'an and hadith and imitate the behavior of the prophet Muhammad ﷺ in doing business with the aim of complying with Islamic rules and prohibitions. For instance, not allowed to serve costumer during salah occurred, for entrepreneurs engaged in product, must not reduce scale in transaction, keep a promised negotiation, and for entrepreneur in services sales, that have to nurture as best as they can without belittling others. Other results stated that after implementing sharia principles, employees were able to work sincerely and customers almost never felt disappointed.]]>
<![CDATA[PENGARUH PROGRAM BANK SAMPAH ZAKAT COMMUNITY DEVELOPMENT TERHADAP KESEJAHTERAAN MUSTAHIK (Studi Pada Kampung Kandang, Kota Bekasi) ]]>
<![CDATA[Azizah, Anisa Nur]]>;
<![CDATA[Muttaqin, Aminnullah Achmad]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 1 No. 3 (2022) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21776/ieff.2022.01.3.01
<![CDATA[Indonesia as a developing country still has a lot to improve to be able to compete with other countries, one of which is alleviating poverty. Poverty can be defined as the inability to access basic rights such as education, health, and inequality in income distribution. Bekasi City is a developed city, but on the other hand Bekasi City has a high poverty rate as well. One way to maximize poverty alleviation is to use ZIS funds. Bekasi City BAZNAS as the institution authorized to manage ZIS funds has a community empowerment program, namely the ZCD waste bank program. This research was conducted in Kampung Kandang with the aim of examining the effect of the ZCD waste bank program on the welfare of mustahik. The research approach method used is quantitative and the data used are primary data by distributing questionnaires. This study uses SPSS 23 statistical analysis. This study analyzes the effect of the participation of waste bank customers, training or mentoring, waste weighing, and waste savings on the welfare of mustahik. The results of this study indicate that all the variables used, consisting of waste bank customer participation (X1), training/assistance (X2), waste weighing (X3), and waste savings (X4) have a simultaneous and positive effect. Where the waste bank customer participation variable (X1) has a t value of 4.065 and training/assistance (X2) has a t value of 3.547 which is a significant variable. While the waste weighing variable (X3) has a t value of 1.331 and the waste saving variable (X4) has a t value of -1,600 which is an insignificant variable.]]>
<![CDATA[FAKTOR YANG MEMPENGARUHI MINAT BERKUNJUNG MASYARAKAT PADA DESTINASI WISATA HALAL DI PROVINSI NUSA TENGGARA BARAT ]]>
<![CDATA[Nisa, Khairun]]>;
<![CDATA[Muttaqin, Aminnullah Achmad]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 3 No. 3 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21776/ieff. 2024.03.03.09
<![CDATA[Halal tourism is a new icon of tourism development that must be developed and requires attention, because it is expected to invite and attract tourists, both domestic and foreign tourists. The predicate of halal tourism or halal tourism is synonymous with the name West Nusa Tenggara, the potential for halal tourism owned by the province of NTB is very large. This study aims to determine the effect of perception, understanding and income on public interest in visiting halal tourist destinations in West Nusa Tenggara. This study uses quantitative research by collecting data through distributing questionnaires to 152 respondents. the data collected will be analyzed using Ordinal logistic Regression analysis. The results showed that the perception, understanding and income of the community had a positive and significant effect on the interest in visiting halal tourist destinations]]>
<![CDATA[PENGARUH IKLAN/AKTIF SOSIAL MEDIA, WORD OF MOUTH, DAN PELAYANAN TERHADAP KEPUTUSAN MUZAKKI DALAM MEMBAYAR ZAKAT (STUDI KASUS LEMBAGA AMIL ZAKAT SAHABAT MUSTAHIQ KOTA KEDIRI) ]]>
<![CDATA[Ardiansyah, Febrico Candra]]>;
<![CDATA[Muttaqin, Aminnullah Achmad]]>
<![CDATA[ Islamic Economics and finance in Focus Vol. 3 No. 4 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21776/ieff.2024.03.04.03
<![CDATA[The collection of zakat in Indonesia has significantly increased from 2020 to 2022, but it has not yet met the expected targets. This study identifies the factors influencing muzakki decisions in paying zakat at the Amil Zakat Institution (LAZ) Sahabat Mustahiq in Kediri City, namely advertising, social media activities, word of mouth, and service. This research uses a quantitative approach with explanatory research. Primary data was collected from 112 active muzakki respondents selected randomly and analyzed using multiple linear regression methods with the help of SPSS. The findings show that advertising, social media activities, word of mouth, and service significantly influence muzakki decisions in paying zakat. The conclusion of this study highlights the importance of communication strategies and service quality in maximizing zakat potential. The implication of this research is that increasing public awareness about zakat and its management can support government programs in reducing poverty. This study contributes to understanding muzakki behavior and can be used as a reference for LAZ in optimizing zakat collection through effective marketing strategies. Kata Kunci : Keputusan Muzakki; Zakat; Iklan; Media Sosial; Word of Mouth; Pelayanan]]>
<![CDATA[PENGARUH KEBIJAKAN BIAYA MERCHANT DISCOUNT RATE QRIS TERHADAP OMZET DI KANTIN ]]>
<![CDATA[Fiktyana, Grania]]>;
<![CDATA[Muttaqin, Aminnullah Achmad]]>
<![CDATA[ Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 4 (2024) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Universitas Brawijaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21776/csefb.2024.03.4.02
<![CDATA[Financial Technology (Fintech) has changed the way business actors access financial services, manage finances, and interact with potential buyers. The presence of the Quick Response Code Indonesian Standard (QRIS) makes it easy to carry out non-cash payment transactions. However, unfortunately, using QRIS costs a Merchant Discount Rate (MDR) with the policy set by Bank Indonesia regarding MDR fees of 0.3% for every transaction > IDR 100,000 with QRIS payments as a payment channel for micro businesses. Micro business actors in the Brawijaya University Malang canteen must be prepared to face adjustments to the amount of MDR fees in the QRIS payment system. This researcher aims to determine the effect of MDR costs on turnover in the Brawijaya University Malang canteen. This research is quantitative research using simple linear regression analysis techniques for cross section data with a sample of 50 canteens at Brawijaya University, Malang. This research resulted in the conclusion that QRIS Merchant Discount Rate fees have no influence on turnover in the Brawijaya University Malang canteen. Keywords: Financial Technology, Merchant Discount Rate, Quick Response Code Indonesian Standard, Micro Business]]>
