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All Journal El Dinar Jurnal Pilar Journal of Islamic Economics Lariba Jurnal Imiah Pengabdian Pada Masyarakat (JIPM)
Mustamin, Siti Walida
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Religion Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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DAMPAK PANDEMI COVID-19 TERHADAP PERTUMBUHAN DANA PIHAK KETIGA PADA BANK SYARIAH Hasan, Hurriah Ali; Mansyur, Saidin; Mustamin, Siti Walida
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 9, No 1 (2021): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v9i1.11431

Abstract

The aim of this study is to analyze the impact of contagious of Covid-19 on the growth of Third Party Funds (DPK) in Islamic banks, to see the economic strength during the Covid-19 Pandemic. The analysis was carried out on the financial statements of two Islamic banks, are BNI Syariah and Bank Syariah Mandiri (BSM). By using time series data analysis in the aggregate time of the first semester for the period of January - June and the first month in the second semester in July 2020. The data source is taken from the financial publication monthly report from BNI Syariah and BSM. As a comparison, data for 2018 and 2019 are used in the same month period, so that obtained of the growth trend of DPK in Islamic Bank during normal times and during the Covid-19 pandemic. The results of correlation and comparison analysis, this study found that the Covid-19 pandemic has influenced the trend of public funds in Islamic banks. In choosing fund products at banks, the customer avoid investment risks by reducing deposits in the form of investment funds and prefer Wadiah as safe products. This caused DPK in Islamic banks both BNI Syariah and BSM have significant positive growth for Wadiah and decline in investment funds during the Covid-19 pandemic. This shows that Islamic banking faces financial risks in abnormal situations during the Covid-19 pandemic.
The role of zakat in Islamic macroeconomics: A fiscal instrument for stability during global economic crises‎ Mustamin, Siti Walida; Abdillah S., Abdillah S.; Mansyur, Fakhruddin; Ridwan, Muhammad; Amri, Ulil; Fitrayani, Fitrayani
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art10

Abstract

IntroductionThe global economic crisis continues to expose weaknesses in conventional fiscal systems, prompting the search for alternative macroeconomic instruments. Within Islamic economic thought, zakat—traditionally viewed as a religious obligation—emerges as a redistributive tool capable of addressing structural inequality, stabilizing consumption, and supporting vulnerable populations during periods of financial instability.ObjectivesThis study explores the macroeconomic contribution of zakat in times of global economic crisis. It specifically investigates zakat’s potential as a countercyclical fiscal instrument that enhances aggregate demand, reduces poverty, and alleviates fiscal pressure on national governments.MethodUsing a qualitative literature review methodology, this research synthesizes scholarly articles, institutional reports, and classical Islamic economic texts published between 2000 and 2024. The analysis follows a thematic approach, focusing on zakat’s functions in promoting wealth redistribution, economic resilience, and long-term fiscal sustainability.ResultsFindings reveal that zakat plays a critical role in mitigating economic shocks. It stimulates liquidity by enhancing consumption among low-income groups, supports grassroots economic development through community-based aid, and reduces government spending by acting as a complementary social safety net. Empirical evidence from Muslim-majority countries indicates that institutionalized zakat systems are effective in reducing poverty and inequality, particularly during economic downturns.ImplicationsIntegrating zakat into national fiscal policy frameworks could provide a sustainable, ethical, and community-driven response to financial crises. Effective governance, transparency, and technological innovation in zakat administration are essential to maximize its economic impact and maintain public trust.Originality/NoveltyThis study repositions zakat from a purely religious practice to a strategic economic instrument within Islamic macroeconomics. It offers a normative and conceptual foundation for embedding zakat in contemporary fiscal systems as a means of achieving economic stability, social equity, and inclusive recovery in times of crisis.
Analisis Yuridis Penyelesaian Kasus Ekonomi Syariah Tentang Perbankan Syariah Di Pengadilan Agama Kelas 1a Kota Makassar Mansyur, Saidin; Fadila, Riska; Mustamin, Siti Walida
PILAR Vol. 13 No. 2 (2022): JURNAL PILAR, DESEMBER 2022
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/a6tk9810

Abstract

Penelitian ini bertujuan untuk mengetahui Juknis beserta proses penyelesaian sengketa ekonomi syariah tentang Perbankan Syariah pada Pengadilan Agama Tingkat IA Kota Makassar serta Tantangan yang diahadapi dalam proses penyelesaiannya. Manfaat dalam penelitian ini yaitu manfaat teoritis dan manfaat praktis. Penelitian ini merupakan Penelitian Lapangan (Field Reasearch) dengan menggunakan pendekatan kualitatif dengan menggunakan teknik pengumpulan data wawancara mendalam serta analisis dokumen. Adapun hasil dari penelitian ini menggambarkan bahwa ; Pertama, Pengadilan agama Tingkat IA Kota Makassar dalam menyelesaikan suatu perkara berdasarkan atau sesuai pada Undang-Undang Nomor 3 tahun 2006 tentang Peradilan Agama. Oleh karena itu dalam hal menyelesaikan suatu kasus sengketa ekonomi syariah pengadilan agama Memiliki juknis prosedur pengaduan. Kedua, Sebelum para majelis hakim memutus suatu perkara harus banyak pertimbangan dan tahu bukti dari masing-masing tergugat maupun penggugat agar dari putusannya nanti tidak menimbulkan putusan yang berat bagi sebelah pihak, dan secara umum prosedur penyelesaian sengketa ekonomi syariah melalui dua tahap yakni pra persidangan dan tahap persidangan. Ketiga Pengadilan Agama Tingkat IA Kota Makassar memandang Perlunya peningkatan Mutu dan integritas para hakim pengadilan agama Kota makassar dalam melakukan penyelesaian sengketa ekonomi syariah dengan senantiasa memberikan pelatihan yang terkait penyelesaian sengketa ekonomi syariah sehingga dapat meningkatkan kepercayaan masyarakat dalam hal penanganan kasus sengketa ekonomi syariah.Kata Kunci: Analisis Yuridis, Sengketa Ekonomi Syariah, Pengadilan Agama
Internalisasi Nilai Amanah Dalam Penyusunan Laporan Keuangan Melalui Pendekatan Al-Qur’an (PKM Di Yayasan Rezky Syafaat) ., Resti; Mustamin, Siti Walida; Putri Muktamar, Ukhrima Giastri; Salam, Ramadani; Asrijal, Fadiyah Nabila; Apriliana. S, Nur; Nikmatullah, Rahmah; Nurfaiqah, Amrah; Putri, Lutfiah; Fitrah, Aidil
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 3 No 3 (2026): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

This community service program aims to internalize the value of trustworthiness in the preparation of school treasurer financial reports through a Qur'anic approach, specifically QS. Al-Baqarah verse 282, which emphasizes the importance of honest and orderly recording of transactions. The activity was carried out at the Rezky Syafaat Foundation, Makassar City, South Sulawesi, with school treasurers as the main target group, as they are responsible for managing the institution's finances. The methods used included initial observation, counseling, and  interactive discussions. The results of the activity showed an increase in school treasurers' understanding of the importance of transparent, accountable financial recording in accordance with Islamic values. The Al-Qur'an approach proved to be effective in building moral awareness and professionalism in school financial management. This program is expected to become a model for the application of trust-based accounting in private education.
Co-Authors Abdillah S., Abdillah S. Apriliana. S, Nur Asrijal, Fadiyah Nabila Fadila, Riska Fitrah, Aidil Fitrayani, Fitrayani Hurriah Ali Hasan Mansyur, Fakhruddin Mansyur, Saidin Muhammad Ridwan Nasution, Ali Napiah Nikmatullah, Rahmah Nurfaiqah, Amrah Putri Muktamar, Ukhrima Giastri Putri, Lutfiah Resti . Salam, Ramadani