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The Autonomy of Pesantren in The One Pesantren One Product (OPOP) Program: Mentoring, Training or Grant Funding Driven? Nurhasanah, Elis; Zahra, Qiny Shonia Az; Mubarok, Acep Zoni Saeful; Rahmat, Biki Zulfikri
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.4948

Introduction to The Problem: One pesantren one product is a program of the governor of West Java province which aims to make pesantren self-reliant, among its programs is to provide assistance, training and grant funds to pesantren that have businesses both start-up and scale up.Purpose/Objective Study: the purpose of this study was to analyze the effect of assistance, training and grant funds on pesantren independence.Design/Methodology/Approach: The population in this study was 285 pesantren in Tasiknalaya City and Regency. The sample in this study was 48 respondents, using online and offline questionnaires as the distribution media. The research sample was taken using a purposive random sampling approach with the following criteria; (1) are OPOP participants in 2019-2023, (2) are in the Tasikmalaya City/RegencyFindings: the results show that The mentoring, training and grants provided by the governor's of West Java province affect the independence of pesantren in the city and district of Tasikmalaya, with a large influence of 69%.Paper Type: Research Article

Pelatihan dan Sosialisasi Literasi Dana Zakat Infaq Shadaqah Serta Pengelolaan Lembaga Zakat Kepada Jamaah Pengajian Al Imaroh Dan Yayasan Al Fathonah Rahmat, Biki Zulfikri
Jurnal Pengabdian Siliwangi Vol 7, No 2 (2021)
Publisher : LPPM Univeristas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jsppm.v7i2.1134

Kebiasaan masyarakat membayar zakat secara langsung semestinya dialihkan melalui Lembaga zakat, agar bisa menghindarkan dari ketergantungan penerima zakat. Pola penyaluran yang bersifat langsung dan individual, zakat hanya berperan sebagai sumbangan yang bersifat karitatif, pasif, tentatif atau tidak rutin dan penggunaan dananya terbatas untuk memenuhi kebutuhan jangka pendek. Tetapi kalau dikelola oleh lembaga zakat, maka akan terjamin kepastian dan kedisiplinan membayar zakat dan menjaga perasaan rendah diri para mustahiq. Untuk memberdayakan dana zakat secara optimal, maka diperlukan sebuah lembaga pengelola zakat yang profesional, dan amanah. Sehingga menumbuhkan rasa kepercayaan masyarakat. Namun demikian, bahwa salah satu masalah ketidaktercapaian pengumpulan antara harapan potensi dana ZIS dengan realitas yang terjadi di kota Tasikmalaya adalah, kurangnya sosialisasi, jauhnya akses penyetoran dana ZIS ke Lembaga zakat, penyaluran secara langsung ke mustahik dan ada pula yang masih belum bisa membedakan antara zakat, infaq dan shadaqah. Hal ini pun terjadi di Arjasari Kecamatan Leuwisari Tasikmalaya. Maka solusinya pihak Yayasan Pesantren al Fathonah melakukan kerja sama dalam peningkatan pemahaman para jamaah dengan perguruan tinggi. Kegiatan telah dilaksanakan, adapun materi yang diberikan ialah tentang distribusi harta dalam Islam, perbedaan ZIS, zakat maal dan penghitungannya, lembaga pengelola zakat, dan manajemen ZIS. Secara keseluruhan kegiatan berjalan dengan baik. Untuk kedepannya diperlukan pendampingan kepada peserta kegiatan ini dalam hal bahwa pengeloaan zakat khusus bagi pengurus yayasan. Kata kunci : Manajemen ZIS, Pemberdayaan Zakat, Ekonomi Islam.

Chnical Guidance On Digital Waqf Land Registration Using The E-AIW Application For Wakif And Nazhir In Tasikmalaya City Mubarok, Acep Zoni Saeful; Darmawan, Darwis; Saputra, Yuyus; Rahmat, Biki Zulfikri; Rakhmat, Anwar Taufik
TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Vol 4, No 3 (2024): Desember
Publisher : UNIVERSITAS MUHAMMADIYAH MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/transformasi.v4i3.26214

Waqf is frequently the source of family disputes that end up in court. The main reason of waqf conflicts is that waqf assets/land lack a proper legal form such as a Waqf Pledge Deed (AIW) from the Religious Affairs Office (KUA) or a Waqf Certificate from the National Land Agency (BPN). To receive the AIW, the community must manually register, which is a laborious process. To decrease bureaucracy, the Ministry of Religion has launched e-AIW, a digital waqf land registration application that will make it easier to receive the AIW. The current issue is that the application has only been disseminated to the KUA and has not reached the community directly owing to the unavailability. This service intends to provide technical guidance to the community on how to register waqf land via the e-AIW application. The method employed is delivery, practice with the e-AIW program, questions and answers, pre-test, and post-test. The outcomes of this technical guidance activity revealed a positive response from the participants. After being adequately led, participants' grasp of how to utilize the e-AIW application improved, as seen by the average post-test value of those who replied correctly, which was 89.4%. Furthermore, the findings of interviews with various participants revealed that this technical guidance gives a very simple way to utilize the e-AIW

DEVELOPING SUSTAINABLE ISLAMIC BOARDING SCHOOLS: ANALYSIS OF ONE PESANTREN ONE PRODUCT PROGRAM IN FOSTERING SELF-SUFFICIENCY Nurhasanah, Elis; Saeful Mubarok, Acep Zoni; Az Zahra, Qiny Shonia; Rahmat, Biki Zulfikri
Penamas Vol 37 No 2 (2024): Volume 37, Issue 2, July-December 2024
Publisher : Balai Penelitian dan Pengembangan Agama Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31330/penamas.v37i2.772

The “One Pesantren One Product” (“OPOP”) program is a West Java provincial program that has become an initiative in building Islamic boarding school self-sufficiency through economic empowerment by assisting Islamic boarding schools in choosing marketable commodities, providing training, and mentoring. This study aims to analyze the OPOP program's effectiveness in fostering self-sufficiency as a form of sustainable development in Tasikmalaya. Using a qualitative approach that includes case studies and in-depth analysis, this research identifies the significance of the realization of the OPOP program on the self-sufficiency of Islamic boarding schools in Tasikmalaya who recipients of OPOP stimulant funds are. The research examines how the program has facilitated improvements in the economic aspects of Islamic boarding school self-sufficiency. The results show that the OPOP program is able to encourage the financial independence of the OPOP recipient pesantren in the scale-up category by optimizing business productivity, expansion, and networking of pesantren product marketing, which leads to an increase in pesantren income. This explains that the OPOP program can support the successful development of sustainable Islamic boarding schools, especially in financial independence.

CORPORATE SOCIAL RESPONSIBILITY DALAM PERSPEKTIF ETIKA BISNIS ISLAM Rahmat, Biki Zulfikri
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 1 (2017): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v1i1.5729

CSR adalah tanggung jawab sebuah organisasi terhadap dampak-dampak dari keputusan-keputusan dan kegiatan-kegiatannya pada masyarakat dan lingkungan yang diwujudkan dalam bentuk perilaku transparan dan etis yang sejalan dengan pembangunan berkelanjutan dan kesejahteraan masyarakat; mempertimbangkan harapan pemangku kepentingan, sejalan dengan hukum yang ditetapkan dan norma-norma perilaku Internasional; serta terintegrasi dengan organisasi secara menyeluruh. Dengan demikian, CSR adalah kepedulian perusahaan yang menyisihkan sebagian keuntungannya (profit) bagi kepentingan pembangunan manusia (People) dan lingkungan (Planet) secara berkelanjutan berdasarkan prosedur (Procedure) yang tepat dan profesional. Etika bisnis Islam sebenarnya telah diajarkan Nabi SAW saat menjalankan perdagangan. Karakteristik Nabi SAW sebagai pedagang adalah, selain dedikasi dan keuletannya juga memiliki sifat shidiq, fathanah, amanah dan tabligh. Ciri-ciri itu masih ditambah dengan sifat Istiqamah. Berdasarkan sifat-sifat tersebut, dalam konteks Corporate Social Responsibility (CSR), para pelaku usaha atau pihak perusahaan dituntut bersikap tidak kontradiksi secara disengaja antara ucapan dan perbuatan dalam bisnisnya. Mereka dituntut tepat janji, tepat waktu, mengakui kelemahan dan kekurangan (tidak ditutup-tutupi), selalu memperbaiki kualitas barang atau jasa secara berkesinambungan serta tidak boleh menipu dan berbohong. Pelaku usaha atau pihak perusahaan harus memiliki amanah dengan menampilkan sikap keterbukaan, kejujuran, pelayanan yang optimal, dan ihsan (berbuat yang terbaik) dalam segala hal, apalagi berhubungan dengan pelayanan masyarakat. Dengan sifat amanah, pelaku usaha memiliki tanggung jawab untuk mengamalkan kewajiban-kewajibannya. Sifat tablig dapat disampaikan pelaku usaha dengan bijak (hikmah), sabar, argumentatif dan persuasif akan menumbuhkan hubungan kemanusiaan yang solid dan kuat. Para pelaku usaha dituntut mempunyai kesadaran mengenai etika dan moral, karena keduanya merupakan kebutuhan yang harus dimiliki. Pelaku usaha atau perusahaan yang ceroboh dan tidak menjaga etika, tidak akan berbisnis secara baik sehingga dapat mengancam hubungan sosial dan merugikan konsumen, bahkan dirinya sendiri.

OPTIMALISASI PERAN DEWAN PENGAWAS SYARIAH DALAM PELAKSANAAN GOOD CORPORATE GOVERNANCE DI BPRS HARUM HIKMAHNUGRAHA Rahmat, Biki Zulfikri
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2017): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

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

Resiko terbesar menghadapi sistem keuangan global bukanlah kesalahan tentang kemampuan menciptakan laba, tetapi yang lebih penting adalah kehilangan kepercayaan dan kredibilitas tentang bagaimana operasional kerjanya. Semenjak Lembaga Keuangan Syariah (LKS) dalam banyak hal memiliki kesamaan dengan Lembaga Keuangan Konvensional (LKK), keberadaan Corporate Governance (CG) menjadi penting dalam struktur institusi keuangan syariah. Tetapi, LKS memiliki perbedaan fundamental dengan LKK dimana LKS memiliki kewajiban untuk memastikan kepatuhan terhadap prinsip syariah dalam produk dan instrumen keuangan, operasionalisasi, praktik dan proses manajemen serta bisnisnya. CG adalah sistem, hak, proses dan kontrol secara keseluruhan yang ditetapkan secara internal dan eksternal atas manajemen untuk melindungi semua stakeholders. Stakeholders terpenting dari bank syariah adalah Islam itu sendiri. Adapun yang menjadi permasalahan dalam penelitian ini adalah bagaimana peran DPS dalam pemenuhan prinsip syariah dalam pencapaian GCG pada bank syariah, serta pengaruh pelaksanaan GCG terhadap tingkat kepercayaan masyarakat pada bank syariah (BPRS Harum Hikmahnugraha). Tujuan dan kegunaan penelitian ini adalah sebagai pengetahuan untuk memperkaya penelitian CG bagi para pembaca baik kalangan praktisi maupun akademisi, serta mendorong Bank Syariah dapat menerapkan konsep GCG secara menyeluruh sebagai salah satu manajemen risiko dan peningkatan kinerja perusahaan. Metode yang digunakan dalam penelitian ini adalah metode deskriftif kualitatif, yaitu dengan mengumpulkan bahan dari buku, jurnal, tesis, disertasi, peraturan perundang-undangan dan hasil tulisan ilmiah lainnya yang erat kaitannya dengan maksud tujuan dari penelitian ini. Hasil penelitian ini menunjukkan bahwa GCG Bank Syariah berbeda dengan yang dilaksanakan bank konvensional dan memiliki karakterisitik yang unik terkait dengan operasionalnya. Pada dasarnya perbedaannya terletak pada shari’ah compliance pada aktivitas Bank Syariah. Sehingga dapat disimpulkan bahwa shari’ah governance menjadi indikator penting dari seluruh penerapan CG. Sedangkan prinsip transparansi, akuntabilitas, keadilan, responsibilitas, kejujuran, merupakan prinsip universal yang juga terdapat dalam GCG konvensional. Pemain kunci yang khas dalam pelaksanaan GCG di Bank Syariah yaitu DPS. Penerapan GCG terutama aspek shari’ah compliance mempengaruhi terhadap tingkat kepercayaan masyarakat pada Bank Syariah (BPRS Harum Hikmahnugraha).

The Emerging Role of Sharia Compliance to Enhance Public Trust in Islamic Cooperatives with Good Cooperative Governance as a Mediating Factor Rahmat, Biki Zulfikri; Ramadhani, Indi; Zahra, Qiny Shonia Az
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 1 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i1.3201

This research examines the role of sharia compliance and label in enhancing public trust in sharia cooperatives in Tasikmalaya, with Good Cooperative Governance (GCG) acting as a mediating factor. Employing a quantitative approach, data were collected through surveys distributed to cooperative members and analyzed using regression analysis of mediating variables (product of coefficient method). The findings reveal that sharia compliance and sharia label alone is insufficient to build trust; rather, strong governance mechanisms play a crucial role in reinforcing public trust. The mediation analysis confirms that GCG significantly strengthens the relationship between sharia compliance and trust and also between sharia label and trust, highlighting the need for cooperative managers to integrate governance best practices with Islamic financial principles. The study contributes to the literature on Islamic microfinance by demonstrating the critical function of governance in trust-building and offers practical recommendations for cooperative leaders to enhance sustainability. Future research should explore qualitative insights into member perceptions and expand the study to other regions to improve generalizability.

BUILDING ASNAF ENTREPRENEURSHIP IN INDONESIA: A PROPOSED PROGRAM FOR AMIL ZAKAT INSTITUTIONS Friantoro, Dian; Jatnika, Muhammad Dzulfaqori; Andani, Listia; Mutmainah, Lu'liyatul; Rahmat, Biki Zulfikri
Asy-Syari'ah Vol. 24 No. 2 (2022): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v24i2.23067

Abstract: Currently, the distribution of zakat is usually carried out consumptively to meet the basic needs of mustahiq (zakat recipient). Consumptive zakat provides a short-term effect and a dependency effect for asnaf (mustahiq). Therefore, zakat institutions can begin to develop sustainable productive zakat schemes for the welfare of mustahiq. The research aims to design a program and implementation model for Indonesiaâ€™s Asnaf Entrepreneurship Program (AEP). This research uses a qualitative approach with descriptive-analytical methods through literature studies. The AEP program is aimed for asnaf, who meets the criteria of people in need and people experiencing poverty but have the capability to run a bussiness, both physically and mentally. Furthermore, the asnaf are given business assistance by zakat institutions. Assistance can be in the form of a capital loan with a qardh contract, Â while business assistance can be in the form of consulting, training, and monitoring to achieve a profitable and sustainable business. AEP is implemented using the concept of collaborative management. Several zakat institutions may build an AEP compartment to support AEP applications. Mustahiq also can create a community based on the type of business or place of residence. AEP implementation may be challenging but has potential, not only for the benefit of asnaf but also for its multiplier effect on the Indonesian economy.

FASILITAS DAN SISTEM KOMPENSASI DAMPAKNYA PADA KINERJA KARYAWAN DI BANK BJB SYARIAH KCP. KUNINGAN Apriyani, Regi Destanti; Rahmat, Biki Zulfikri; Nasrulloh, Agus Ahmad
JURNAL EKONOMI SYARIAH Vol 6, No 2 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i2.3738

Good employee performance will be achieved if you pay attention to what factors can influence it. The case that occurred at Bank BJB Syariah KCP Kuningan was that employees complained about work facilities and the compensation system. The method used in this study is a descriptive method with a qualitative approach. With two data sources, namely primary data sources consisting of leaders and all employees at Bank BJB Syariah KCP. Brass and secondary data sources consisting of documents both in writing and photos at Bank BJB Syariah KCP. Brass. Data collection techniques used are interviews, observation and documentation. The research instrument is the researcher himself as the main instrument in the research, observation guide and interview guide. The results showed that the facilities provided by Bank BJB KCP. Kuningan is inadequate, the internet network is often disturbed, the lack of operational vehicles, the parking area is not large enough, thus disrupting employee performance. As for compensation, the institution has given it fairly and fairly well in accordance with existing regulations. Both of these things certainly have an impact on employee performance, so that it can be said that the failure of the BJB Syariah Bank, Kuningan Sub-Branch Office, has not been able to meet the needs to improve employee performance.

Implementation of the Low-cost Islamic Peer to Peer Financing Model in Student Entrepreneurship Financing Applications Rahmat, Biki Zulfikri; Rachman, Andi Nur; Dewi, Euis Nur Fitriani; Alwin, Muhammad
IJAIT (International Journal of Applied Information Technology) Vol 08 No 01 (May 2024)
Publisher : School of Applied Science, Telkom University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/ijait.v8i1.6839

Currently, there are many applications of technology-based financial funding, and some have even been legalized by the Financial Services Authority (OJK), which is called fintech. In reality, it is still burdensome for business actors because of the difficulty in paying the installments that must be borne, whereas the business will have funds only if the goods they are selling are sold. In the Siliwangi University campus environment, students are required to take entrepreneurship lectures. So far, the learning process activities have only been in the form of concepts and theories; this has become an obstacle to field practice. In the field of entrepreneurship, these students become business actors. However, there is a difficulty in practicing entrepreneurship since students' capital is limited. On this issue, the campus is obliged to facilitate the creation of an entrepreneurial learning process as an investor. To connect the entrepreneurship learning process, information technology is needed. The application is intended to assist in the process of providing business capital by applying the concept of Islamic economics, namely the Islamic peer to peer financing model. This model provides flexibility between business actors and investors in providing financial assistance with potential profits and losses shared together. Based on the above problems, to support student entrepreneurship programs, it is necessary to apply financing for entrepreneurship program assistance based on the Islamic peer to peer financing model. From the results of testing the application can be applied to support the student entrepreneurship learning process based on the respondent's score of 82.08333 which indicates that the System Usability Scale value for this application is Acceptable.

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