Masduqie, Muhammad Hamdan Ali
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Peranan LAZISNU Sidoarjo dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat di Kabupaten Sidoarjo Faruq, Muhammad Al; Masduqie, Muhammad Hamdan Ali; Julaihah, Umi
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : 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.v6i3.3905

Abstract

Kesejahteraan ekonomi masyarakat di Indonesia dapat dibilang masih sangat rendah. Menurut Badan Pusat Statistik (BPS), data rata-rata rumah tangga miskin di Indonesia mencapai 4,74 orang. Dan di provinsi Jawa Timur, data rata-rata rumah tangga miskin berada di posisi urutan pertama mencapai 4,181 juta orang. Sedangkan mayoritas penduduk di Indonesia adalah beragama Islam. Badan Amil Zakat Nasional (BAZNAS) memberikan perkiraan jika di Indonesia, potensi dari Zakat, Infak, Sedekah dan Wakaf (ZISWAF) telah mencapai lebih dari 500 triliun rupiah. Bahkan kurun waktu 5 tahun ke depan diharapkan dapat memperoleh jumlah ZISWAF sebesar 50-60 triliun rupiah melalui kerjasama dengan Bank Syariah Indonesia (BSI). Tujuan dari penelitian ini adalah untuk menjawab rumusan masalah yakni bagaimana peranan LAZISNU Sidoarjo dalam meningkatkan kesejahteraan ekonomi masyarakat di Kabupaten Sidoajo. Metode penelitian yang digunakan pada penelitian ini yakni pendekatan kualitatif. Teknik pengumpulan data pada penelitian ini didapatkan melalui observasi, wawancara dan dokumentasi. Observasi dilakukan untuk mengetahui gambaran umum dan situasi atau kondisi lapangan pada lembaga filantropi tersebut. Wawancara dilakukan dengan teknik triangulasi sumber untuk memperoleh keabsahan data melalui pengurus LAZISNU Sidoarjo dan mustahik atau penerima bantuan dari program penyaluran Zakat, Infaq dan Shadaqah (ZIS) yang telah diterapkan. Pada penelitian ini, teknik analisis data didapatkan melalui reduksi data, penyajian data serta verifikasi data. Dalam penelitian ini, memiliki hasil yaitu dengan adanya program bantuan yang bersifat konsumtif maupun produktif, mustahik merasa sangat senang dan bahagia. Sebab dari dana maupun modal yang didapatkan tersebut mampu membantu mustahik dalam memenuhi kebutuhan hidup dan pengembangan usaha yang akan dan telah berlangsung selama itu. Keberhasilan tersebut juga tak terlepas dari mekanisme pengelolaan ZIS yang telah diimplementasikan oleh LAZISNU Sidoarjo meliputi perencanaan, pengorganisasian, pelaksanaan dan pengawasan. Sehingga Peranan LAZISNU Sidoarjo dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat di Kabupaten Sidoarjo telah berjalan secara efektif dan efisien. Kata kunci: Peranan, LAZISNU, Zakat Infaq Shadaqah (ZIS), Kesejahteraan Ekonomi
COVID-19 PANDEMIC: CONDITIONS AND SHARIA MARKETING STRATEGIES AT BMT AMANAH UMMAH SUKODONO BRANCH SIDOARJO REGENCY Masduqie, Muhammad Hamdan Ali; Winarto, Ashif Jauhar
An-Nisbah: Jurnal Ekonomi Syariah Vol 10 No 1 (2023): An Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v10i1.7089

Abstract

Abstrak: Pandemi Covid-19 merupakan wabah virus baru yang muncul saat ini dan menyebar di seluruh dunia, termasuk di Indonesia. Seluruh aspek kegiatan yang berlangsung di Indonesia tidak dapat berjalan dengan normal, termasuk pada kegiatan operasional Baitul Maal wat Tamwil (BMT) Amanah Ummah Cabang Sukodono. Tujuan dari studi ini untuk mengetahui kondisi dan strategi pemasaran syariah oleh BMT Amanah Ummah Cabang Sukodono dalam menghadapi pandemi Covid-19. Peneltian ini menggunakan metode kualitatif deskriptif dengan strategi studi kasus guna memberikan gambaran detail mengenai kondisi dan strategi pemasaran syariah oleh BMT Amanah Ummah Cabang Sukodono. Hasil penelitian menunjukkan adanya penerapan empat karateristik pemasaran syariah yang dapat membantu keberlangsungan operasional dari BMT Amanah Ummah Cabang Sukodono, antara lain rubbainiyah, akhlaqiyah, waqi’iyah, dan insaniyyah. Penerapan strategi pemasaran syariah selain bertujuan untuk menjaga eksistensi BMT Amanah Ummah Cabang Sukodono, juga dapat mempertahankan loyalitas nasabah. Berkaitan dengan ulasan yang telah dilakukan mulai dari tujuan penelitian, metode penelitian serta hasil penelitian maka saran yang dapat diberikan kepada pengelola BMT Amanah Ummah Cabang Sukodono yakni perlu penerapan strategi pemasaran syariah secara optimal agar tetap mampu menjaga keberlangsungan operasional selama pandemi Covid-19, serta menjaga loyalitas nasabah untuk tetap loyal dalam menggunakan produk yang dimiliki, baik funding maupun landing. Kata kunci: Pandemi Covid-19; Baitul Maal wa Tamwil (BMT); Strategi Pemasaran Syariah Abstract: The Covid-19 pandemic is a new virus outbreak that is emerging today and is spreading throughout the world, including in Indonesia. All aspects of activities that take place in Indonesia cannot run normally, including operational activities of Baitul Maal wat Tamwil (BMT) Amanah Ummah Sukodono Branch. The purpose of this study is to knowing about condition and sharia marketing strategy by BMT Amanah Ummah Sukodono Branch in the face of Covid-19 pandemic. This research uses a descriptive qualitative method with a case study strategy to provide a detailed description about condition and sharia marketing strategy by BMT Amanah Ummah Sukodono Branch. The research show that there are four characteristics of sharia marketing that can help the operational sustainability of BMT Amanah Ummah Sukodono Branch including rubbainiyah, akhlaqiyah, waqi’iyah, and insaniyyah. The implementation of sharia marketing strategy in addition to aiming to maintain the existence of BMT Amanah Ummah Sukodono Branch, can also maintain customer loyalty. According to the findings of this research, the relevant suggestion which can be given to the manager of BMT Amanah Ummah Sukodono Branch, namely the need to implement sharia marketing strategy optimally in order to maintain operational sustainability during Covid-19 pandemic, and maintain customer loyalty to remain loyal in using the products owned, both funding and landing. Keywords: Covid-19 Pandemic; Baitul Maal wa Tamwil (BMT); Sharia Marketing Strategy
ANALISIS EFISIENSI INFRASTRUKTUR TRANSPORTASI LIGHT RAIL TRANSIT (LRT) DALAM MENGATASI KEMACETAN KOTA PALEMBANG Hidayah, Nuril; Masduqie, Muhammad Hamdan Ali
Journal of Economics and Policy Studies (JEPS) Vol. 3 No. 2 (2022): JEPS: Journal of Economic and Policy Studies
Publisher : UIN Sayyid Ali Rahmatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (166.201 KB) | DOI: 10.21274/jeps.v3i2.7127

Abstract

Palembang city congestion occurs as a result of road capacity in Palembang City which is not balanced with the number of vehicles. In addition, flooding at several points also has an impact on traffic jams. As the population increases, city congestion is expected to get worse. Therefore, the government is looking for ways to reduce traffic congestion by developing a public transportation system that aims to shift the use of private cars to public transportation. Transportation is a very important need in supporting people's daily lives. In addition to the mission of reducing the number of road congestion, the government is also working on a level of efficiency in the implementation of the transportation so that the public's attractiveness in switching to public transportation becomes greater so that readers can understand In terms of accessibility, what are the priority variables in implementing light rail transit and how much efficient implementation of light rail transit to reduce congestion in the city of Palembang This journal uses a research approach in the descriptive qualitative category, data collection techniques through observation or observation, but the observations made by researchers are included in the indirect category. This is because these observations through the media of articles, news and journals related to the implementation of land use in Indonesia and using secondary data sources LRT is a means in the form of infrastructure built by the government in collaboration especially with parties from the regional government to achieve two goals. The main goal is to reduce the number of congestion that exists on the basis of high efficiency and both goals are considered to have been realized in the implementation of the infrastructure. Indeed not all cities have these infrastructure facilities, state leaders are trying to evenly distribute assification in all existing cities, currently the areas that have been equipped with light rail are in the cities of Palembang and Jakarta, as well as other areas that fall into the category or term. Jabodebek. The priority variables in the accessibility point of the transportation implementation are the availability of wide access roads in or out of the station, the existence of parking facilities that are endeavored to be adequate to make the public or vehicle users feel comfortable and safe, the proximity of the station to the center of activity within the scope of commercial facilities such as offices, with shopping centers such as malls, close to housing or community settlements (citizens), the ease of access to public transportation to go to the station, close to the main road or highway, one of the goals of the asification is expected to be a medium for parse the number of traffic jams on the existing roads. The community considers the asification to be in the efficient category because the tariffs charged are in the cheap (economical) category, but it is different from the government as the subject of the assification, they consider that for light rail transit asiffication requires a large amount of funds, of course it does not require With few funds, tens of trillions of funds have been disbursed for the assification of the LRT, which was contributed by the government itself, companies on behalf of state-owned railways and received injections or injections of funds from investors and loan funds, it can be concluded that the implementation of this infrastructure is considered quite efficient and can make the congestion rate shrink slowly
Kiprah dan Peranan Lembaga Keuangan Syariah dalam Ekonomi Global: Faktor Pendukung, Penghambat dan Peluang yang Dimiliki Masduqie, Muhammad Hamdan Ali
Journal of Islamic Economics Studies and Practices Vol. 1 No. 2 (2022): Desember
Publisher : Institut Agama Islam YPBWI Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54180/jiesp.2022.1.2.234-250

Abstract

Penelitian yang membahas terkait lembaga keuangan syariah bertujuan untuk mengetahui faktor pendukung, penghambat dan peluang yang dimiliki oleh lembaga keuangan syariah terkait kiprah dan peranannya terhadap ekonomi global. Metode penelitian yang digunakan dalam penelitian yang dilakukan terkait faktor pendukung, penghambat, tantangan dan peluang lembaga keuangan syariah terhadap ekonomi global terkait kiprah dan peranannya ini menggunakan Studi kepustakaan (library research), metode ini berguna untuk mengumpulkan data-data dari jurnal, web, pemberitaan, dan artikel lainnya. Maka dalam metode ini tidak melibatkan kegiatan wawancara untuk mengumpulkan data. Penelitian ini dilaksanakan sebagai upaya memberikan wawasan tambahan terkait peranan yang dimiliki oleh lembaga keuangan syariah serta kontribusinya terhadap perkembangan ekonomi global. Hasil penelitian yang didapatkan dalam penelitian ini yaitu, Lembaga keuangan syariah baik non-bank maupun perbankan memiliki beberapa peranan dalam perekonomian global, khususnya perekonomian suatu negara yang dapat membantu masyarakat, seperti penyedia jasa keuangan, pemicu kemajuan usaha ekonomi, pelaksana kegiatan sosial, kesejahteraan dan keadilan ekonomi, tidak terpengaruh krisis moneter dan persaingan sehat antar bank.
Manfaat dan Tantangan Regulasi Penyelenggaraan Financial Technology (Fintech) di Indonesia Masduqie, Muhammad Hamdan Ali; Santoso, Tulus Budi
Journal of Islamic Economics Studies and Practices Vol. 2 No. 2 (2023): Desember
Publisher : Institut Agama Islam YPBWI Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54180/jiesp.2023.2.2.161-177

Abstract

Abstract: The development of financial technology (fintech) that occurs globally has given challenges to the financial services sector. Regulatory challenges are mainly due to the decentralization of the financial system as a result of implementing fintech. The problems studied in this study include: (1) What are the implications of the development of fintech and the phenomenon of decentralization of the financial system on the regulatory challenges faced in Indonesia. (2) What form of regulation can be applied in Indonesia to address the challenges of fintech development and decentralization of the financial system. The decentralization of the financial system caused by the implementation of fintech has given rise to its own regulatory challenges. The absence of a comprehensive fintech regulation capable of accommodating the phenomenon of financial system decentralization has the potential to result in weak guarantees of legal certainty and protection. The preparation of the fintech Law based on a principle approach can be a solution to answer the regulatory challenges faced. This paper is juridical normative legal research with conceptual approach, statutory and comparative approach. Keywords: Financial Technology, Decentralized Financial System, Regulation.
Gotong Royong Economy: Strengthening Islamic Values Through Local Traditions Qosim, Nanang; Ansori, Ansori; Masduqie, Muhammad Hamdan Ali
Proceedings of Annual Conference for Muslim Scholars Vol 8 No 1 (2024): AnCoMS, Oktober 2024
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v8i1.555

Abstract

This article examines the concept of gotong royong economy as a manifestation of Islamic values strengthened through Indonesian local traditions. This research uses a qualitative approach with literature study and content analysis methods to explore the intersection between Islamic economic teachings and the practice of gotong royong in Indonesian society. The results of the analysis reveal that the implementation of a gotong royong economy can strengthen social cohesion, improve shared prosperity, and create a more just and inclusive economic system. The article also identifies some challenges in implementing the gotong royong economic model in the modern era, and offers recommendations to actualize this concept in the context of contemporary economic development. In conclusion, the gotong royong economy offers a unique paradigm in combining Islamic values with local wisdom, providing a strong foundation for the development of an economic system that is not only efficient, but also harmonious with Indonesia's spiritual and cultural values