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Assessing performance of Mawar Emas as a mosque-based Islamic financing program Supiandi, Supiandi; Pramuja, Risky Angga; Yuli, Sri Budi Cantika; Yakub, Muhammad; El Badriati, Baiq
Journal of Enterprise and Development (JED) Vol. 4 No. 2 (2022): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i2.6500

Purpose — This research aims to assess the performance of the Mawar Emas program since its inception.Method — This descriptive qualitative research involves several types of respondents such as mosque administrators, Chairperson of the Masyarakat Ekonomi Syariah (MES), MES Secretary, and beneficiaries. Data obtained through in-depth interviews were processed using reduction, display, triangulation and conclusion techniques.Result — Using primary and secondary data and qualitative research techniques, the authors found that the Mawar Emas initiative supported 32 mosques in West Nusa Tenggara, totaling 1,194 prospective debtors. In terms of funding, the Mawar Emas program has a yearly budget of Rp. 1,275,000,000. However, these funds have not been used to their full potential since the program's inception. There was a decrease in funding and absorption of funds in the program's second year. Several aspects of this program must be evaluated, including increased funding, defaults, training delivery, outdated data, and the presence of profit-oriented institutions.Contribution — This study contributes by providing performance of a mosque-based Islamic financing program to reduce dependency on conventional moneylenders.

Membangun Budaya Organisasi yang Inklusif : Strategi untuk Meningkatkan Kinerja dan Kepuasan Karyawan Hasibuan, Suaib; Hasibuan, Wildan Anshori; Hasibuan, M. Zaidan Ghanim; Yakub, Muhammad
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 1 (2025): February
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

This article aims to explore strategies for building an inclusive organizational culture to enhance employee performance and satisfaction. The research employs a qualitative literature study approach, analyzing various theories and previous studies related to inclusive organizational culture and its implications for employee motivation and productivity. The findings suggest that an inclusive organizational culture fosters a more open work environment, enhances mutual respect, and strengthens interpersonal relationships among employees. Furthermore, an inclusive culture contributes to individual skill development, innovation, and better team performance. This study provides insights into the importance of integrating inclusive values in human resource management to achieve organizational goals.

Assessing performance of Mawar Emas as a mosque-based Islamic financing program Supiandi, Supiandi; Pramuja, Risky Angga; Yuli, Sri Budi Cantika; Yakub, Muhammad; El Badriati, Baiq
Journal of Enterprise and Development (JED) Vol. 4 No. 2 (2022): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i2.6500

Purpose — This research aims to assess the performance of the Mawar Emas program since its inception.Method — This descriptive qualitative research involves several types of respondents such as mosque administrators, Chairperson of the Masyarakat Ekonomi Syariah (MES), MES Secretary, and beneficiaries. Data obtained through in-depth interviews were processed using reduction, display, triangulation and conclusion techniques.Result — Using primary and secondary data and qualitative research techniques, the authors found that the Mawar Emas initiative supported 32 mosques in West Nusa Tenggara, totaling 1,194 prospective debtors. In terms of funding, the Mawar Emas program has a yearly budget of Rp. 1,275,000,000. However, these funds have not been used to their full potential since the program's inception. There was a decrease in funding and absorption of funds in the program's second year. Several aspects of this program must be evaluated, including increased funding, defaults, training delivery, outdated data, and the presence of profit-oriented institutions.Contribution — This study contributes by providing performance of a mosque-based Islamic financing program to reduce dependency on conventional moneylenders.

Persepsi Mahasiswa Fakultas Hukum Universitas Mataram (UNRAM) Terhadap Undang-Undang Informasi dan Transaksi Elektronik (UU-ITE) Suriadiata, Irfan; Yakub, Muhammad
Econetica: Jurnal Sosial, Ekonomi, dan Bisnis Vol 4 No 1 (2022): Mei 2022
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul UlamaNusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/econetica.v4i1.257

Dewasa ini, perkembangan ilmu pengetahuan dan teknologi (IPTEK) tumbuh pesat. Secara otomatis berdampak terhadap perilaku, cara berpikir, dan bersifat tanpa batas. Pada titik ini, hampir tidak kenal batas usia, tanpa melihat latar belakang ras, gender, usia, status dan agama. Harus jujur diakui, bahwa teknologi informasi merupakan lokomotif yang dahsyat dalam mendorong transformasi sosial dalam kehidupan. Kepastian hukum pada aktivitas dunia teknologi (dunia maya) di negara kita, negara mengatur perlindungan terhadap masyarakat dari cybercrime yang tercantum dalam tulisan ini mengenai perbuatan yang dilarang. Sehingga dibuatlah Undang-undang No.11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UU ITE)

Islamic Sharecropping and Farmer Welfare Apriani, Sindi; Taqiuddin, Habibul Umam; Yakub, Muhammad
Econetica: Jurnal Sosial, Ekonomi, dan Bisnis Vol 5 No 2 (2023): November 2023
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul UlamaNusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/econetica.v5i2.537

This study investigates the implementation of the muzara‘ah profit-sharing system and its impact on farmer welfare in West Lombok, Indonesia, through the lens of Islamic economics. Using a qualitative descriptive approach, the research examines how Islamic sharecropping arrangements between landowners and tenant farmers influence income distribution, productivity, and social cohesion within rural communities. Data were collected through in-depth interviews, field observation, and documentation involving both landowners and sharecroppers in Bagik Polak Village, Labuapi District. The findings reveal that the muzara‘ah contract, conducted orally based on mutual trust and kinship, reflects key Islamic ethical principles such as amanah (trust), ‘adl (justice), and ta‘awun (mutual cooperation). The typical profit-sharing ratios—½:½ for rice and ⅓:⅔ for horticultural crops—provide equitable returns that enhance household income and strengthen community solidarity. Despite the absence of written agreements, the practice remains sharia-compliant, as it fulfills the essential requirements of muzara‘ah. However, sustainability challenges persist, including limited access to capital, the absence of formal documentation, and vulnerability to crop failure. The study concludes that the muzara‘ah system not only functions as an agricultural financing mechanism but also embodies a moral economy model that promotes fairness, productivity, and welfare within Islamic rural society.

Strategies for Handling Non-Performing Qardhul Hasan Financing in Islamic Cooperatives Suhaera, Baiq; Taqiuddin, Habibul; Yakub, Muhammad
Econetica: Jurnal Sosial, Ekonomi, dan Bisnis Vol 5 No 2 (2023): November 2023
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul UlamaNusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/econetica.v5i2.540

This study investigates the causes and management strategies of non-performing Qardhul Hasan financing at the Baituttamkin Sharia Cooperative, Kediri Unit. The Qardhul Hasan scheme represents a non-profit, collateral-free financing model where members repay only the principal amount without profit sharing or service fees. However, its implementation frequently faces repayment problems due to members’ inability to fulfill obligations. Using a qualitative field research approach, data were collected through observation, interviews, and documentation, then analyzed using Miles and Huberman’s interactive model. The findings reveal two major factors contributing to non-performing financing: internal weaknesses, such as insufficient monitoring and weak assessment of member character, and external factors, including adverse economic conditions, business failure, and deliberate non-compliance by members. The cooperative’s handling strategies include home visits, friendly dispute resolution through musyawarah (deliberation), motivation and business mentoring, rescheduling, and recovery measures. These results emphasize that improving internal governance, member monitoring, and financial literacy can strengthen cooperative resilience and minimize future defaults.

Strategi Pengembangan Pariwisata Halal Taman Surga Rinjani Desa Sembalun Bumbung Kecamatan Sembalun Kabupaten Lombok Timur Hasbiatun, Hasbiatun; Taqiuddin, Habibul Umam; Yakub, Muhammad
Econetica: Jurnal Sosial, Ekonomi, dan Bisnis Vol 5 No 2 (2023): November 2023
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul UlamaNusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/econetica.v5i2.541

Tourism development which is currently becoming a trend in several countries in the world, including Indonesia, is the development of sharia tourism or what is better known as halal tourism. The development of halal tourism in Rinjani Paradise Park, Sembalun Bumbung Village, Sembalun District, has not yet been seen and has not been fully campaigned to the community. Based on this, the formulation of the problem in this research is: 1) what is the strategy for developing Halal Tourism in Taman Surga Rinjani, Sembalun Bumbung Village, Sembalun District? ?. The aims of this research are: 1. To analyze the Halal Tourism development strategy at Rinjani Paradise Park, Sembalun Bumbung Village, Sembalun District. 2. To analyze the influence of the Halal Tourism development strategy at Rinjani Paradise Park on the economy of the people of Sembalun Bumbung Village, Sembalun District. This type of research is descriptive research. The research design in this study uses qualitative research methods. The data collection techniques in this research are observation, interviews and documentation. Meanwhile, the data analysis techniques used in this research are data reduction, data display, and drawing conclusions. The results of this research show that: 1. The strategy for developing Halal tourism in Rinjani Paradise Park is to promote it both offline by distributing it using brochures and online using social media platforms. 2. The existence of Rinjani Paradise Park tourism has an influence on the economic development of the Sembalun Bumbung Village community where the unemployment rate is reduced and the growth of MSMEs around the Sembalun Bumbung areaStrategy

The Role of Islamic Boarding Schools in Community Economic Empowerment Muniah, Baiq; Taqiuddin, Habibul Umam; Yakub, Muhammad
Econetica: Jurnal Sosial, Ekonomi, dan Bisnis Vol 5 No 2 (2023): November 2023
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi Universitas Nahdlatul UlamaNusa Tenggara Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69503/econetica.v5i2.543

This study explores the role of Islamic boarding schools (pondok pesantren) in fostering community-based economic empowerment in rural Indonesia. The research focuses on Mertak Tombok Village, Central Lombok, where the Pondok Pesantren serves as both a religious institution and an agent of socio-economic transformation. Using a qualitative descriptive approach, data were collected through interviews, observation, and documentation involving kiai (religious leaders), students, and local residents. The findings indicate that the pondok pesantren plays a pivotal role in developing community entrepreneurship through education, social training, and the establishment of productive enterprises such as agriculture, livestock, and handicraft cooperatives. Its leadership model—anchored in Islamic ethical values—has fostered a culture of self-reliance and collaboration among local residents. Nevertheless, challenges remain in managerial capacity, market access, and the integration of modern business practices. The study concludes that the effectiveness of pesantren-based empowerment depends on three critical factors: institutional leadership, socio-religious legitimacy, and the synergy between religious education and local economic initiatives. These findings contribute to the broader discourse on Islamic social entrepreneurship and sustainable community development in developing regions.

Persepsi Mahasiswa Terhadap Pentingnya Mata Kuliah Akuntansi Forensik Sebagai Pengajaran di Perguruan Tinggi (Studi Pada Universitas Nahdlatul Ulama Nusa Tenggara Barat) Solatiyah, Baiq; Yakub, Muhammad
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 8 No 02 (2024)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/lab.v8i02.2476

This research aims to determine the perceptions of students majoring in Economics Islamic Faculty of Economics, Nahdlatul Ulama University, West Nusa Tenggara regarding interest and understanding of forensic accounting courses in the learning curriculum majoring in Islamic economics. This study is a qualitative research conducted using the interview method as evidence collection. Participants in this research consisted of students from the classes of 2021 and 2022 who had studied forensic accounting courses. The process of data analysis in this research involves data collection, data reduction, data presentation, and conclusion drawing. The findings of the research indicate that the perception in terms of student interest in forensic accounting gives a positive response, namely that they consider the forensic accounting course to be very interesting and important as learning in the Islamic economics department, while the student's perception in terms of understanding shows that the forensic accounting course is very easy to understand even though there are There are also students who have the nation that forensic accounting courses are extremely challenging to comprehend.

EDUKASI BANTUAN HUKUM BAGI MAHASISWA DAN ORGANISASI KEPEMUDAAN DI KOTA MATARAM Yakub, Muhammad; Suriadiata, M.H, Dr. Irpan
JURNAL DARUSSALAM: Pemikiran Hukum Tata Negara dan Perbandingan Mazhab Vol. 3 No. 2 (2023): Jurnal Darussalam: Pemikiran Hukum Ketatanegaraan dan Perbandingan Mazhab
Publisher : STIS Darussalam Bermi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59259/jd.v3i2.63

Penelitian ini bertujuan untuk membahas tentang edukasi bantuan hukum Bagi mahasiswa dan organisasi kepemudaan dalam rangka menumbuhkan kesadaran hukum dan dampak terhadap edukasi bantuan hukum bagi mahasiswa dan organisasi kepemudaan untuk mewujudkan kesadaran hukum. Jenis penelitian yang digunakan adalah yuridis sosiologis, dengan pengertian bahwa objek utama penelitian adalah identifikasi hukum, yaitu untuk melihat atau mengidentifikasi tentang adakah kesadaran hukum bagi mahasiswa dan organisasi kepemudaan setelah diadakannya kegiatan edukasi bantuan hukum. Hasil penelitian ini yaitu: Dalam hal upaya menumbuhkan kesadaran hukum, tehnik edukasi bantuan hukum yang digunakan tidak cukup sekedar untuk pemberitahuan atau menginformasikan tentang aturan-aturan hukum dan pesan-pesan hukum saja yang lebih tepat dikerjakan oleh aktifitas teknik informasi dan dokumentasi hukum, sedangkan dalam hal kegiatan teknik edukasi bantuan hukum utamanya adalah untuk kegiatan teknik pembudayaan hukum bernuansa psikologis yang dapat menyentuh faktor kejiwaan mahasiswa dan pemuda kemudian dampak kegiatan edukasi bantuan hukum terhadap kesadaran hukum bagi mahasiswa dan organisasi kepemudaan di Kota Mataram, yaitu hanya dapat menunjukkan keberadaannya secara kwalitatif, terutama atas dasar kenyataan bahwa edukasi bantuan hukum adalah metode yang paling rasional untuk membentuk kesadaran hukum tentunya hubungan antara variabel edukasi bantuan hukum dan variabel kesadaran hukum sangat signifikan.

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