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Enhancing The Role of Zakat and Waqf on Social Forestry Program in Indonesia Ali, Khalifah Muhamad; Kassim, Salina; Jannah, Miftahul; Ali, Zulkarnain Muhammad
Economica: Jurnal Ekonomi Islam Vol 12, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2021.12.1.6657

Abstract: This research aims to initiate the integration model of zakat-waqf with Social Forestry Program. The study is a conceptual paper and qualitative using secondary data and descriptively analyzed. It reviews several existing models related to Zakat and Waqf's role in financing the agriculture and forestry sectors to formulating a novel model for poverty alleviation from communities in and around forests expected to reduce forest destructions in Indonesia. The study concluded that zakat-waqf could finance the Social Forestry program to overcome poverty, inequality and increase the welfare of people living in and around forests. It will provide economic and ecological benefits, especially in reducing forest damage. This research can encourage other researchers to explore the potential of zakat-waqf for financing forestry sectors.Abstrak: Penelitian ini bertujuan untuk menginisasi model integrasi zakat dan wakaf dengan program Perhutanan Sosial. Penelitian adalah riset konseptual yang menggunakan data sekunder dan analisis deskriptif. Penelitian ini mengulas beberapa model eksisting mengenai peran zakat dan wakaf dalam membiayai sektor pertanian dan kehutanan untuk menyusun formula baru yang diharapkan mampu menjadi solusi kemiskinan masyarakat di dalam dan sekitar hutan, yang kemudian diharapkan menurunkan tingkat kebakaran dan kerusakan hutan di Indonesia. Hasil penelitian menunjukkan bahwa zakat dan wakaf dapat menjadi sumber pembiayaan program Perhutanan Sosial untuk mengatasi kemiskinan, kesenjangan, dan meningkatkan kesejahteraan masyarakat di dalam dan sekitar hutan. Program ini dapat memberikan manfaat ekonomi dan ekologi, spesifiknya untuk mengurangi kerusakan hutan. Penelitian ini diharapkan dapat mendorong peneliti-peneliti lain untuk menganalisis lebih lanjut mengenai potensi zakat dan wakaf untuk membiayai sektor kehutanan.

Business Strategy based on the comparison of Sun Tzu and Khandaq War Management Strategy Ifan Fardian; Afif Zaerofi; Zulkarnain Muhammad Ali
Al Tijarah Vol 8, No 1 (2022): June 2022
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v8i1.7208

Among the business strategy models that have developed so far, some use military strategy as a business strategy model. Business strategy has many similarities to military strategy, and one of them is Sun Tzu's war strategy. In the history of Islam, there is a war strategy of the Prophet SAW whose principle is similar to Sun Tzu's war strategy, this strategy is the Khandaq war strategy. It is necessary to research to compare the principles of Sun Tzu's war strategy and the Khandaq War. This research aims to; 1). Discover the principles of Sun Tzu's war strategy and Khandaq's war strategy, 2). Compares the two principles of Sun Tzu's war strategy and Khandaq's war strategy and 3). Formulating the principles of business strategy as a result of the comparison of the principles of Sun Tzu's war strategy and Khandaq's war strategy. The research uses a qualitative approach and to analyze the data, the Analytic Network Processing (ANP) method is used. The data was obtained through interviews with 18 selected respondents, consisting of 9 sharia economics academics and 9 sharia business practitioners.This study found; 1). Khandaq war and Sun Tzu war, have the same 6 main strategic principles (goal formulation, condition calculation, strategy determination, strategy implementation, control strategy, and leadership) and can be used in business strategy, 2). Interesting findings from this study are that there are differences in the forming indicators and 3). The results of the preparation of ANP compose the principles of business strategy as a result of the comparison of the strategies of Sun Tzu and Khandaq, namely the principles of leadership, then the formulation of objectives, implementation strategies, control strategies, determination of strategies and calculation of conditions with all forming indicators. So that the priority principles of the ANP processed strategy can be used as the principles of a new business strategy.

Analysis of Islamic Work Ethic on Job Satisfaction with Intrinsic Motivation Mediation Variables in Millennial Generation Employees Iman Fauzi Sudirman Iman; Achmad Firdaus; Zulkarnain Muhammad Ali
Indonesian Journal of Islamic Economics and Business Vol. 7 No. 2 (2022): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

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

This research aims to determine the impact of Islamic work ethic on job satisfaction with intrinsic motivation mediation variables in millennial generation employees. This type of research uses a quantitative description with explanatory research using a sample of 101 respondents. The data analysis method used in this research is descriptive analysis method, Structural Equation Modeling (SEM) with SmartPLS 3 software. The results show that Islamic work ethic has a significant and positive effect on job satisfaction both directly and indirectly. using the mediating variables of intrinsic motivation and job satisfaction. Keywords: Islamic Work Ethic, Intrinsic Motivation, Job Satisfaction

The Influence of Islamic Financial Planning in Buying Life Insurance Ardhina, Aried; Ali, Zulkarnain Muhammad; Indra, Indra
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.824

In Indonesia there is still a big opportunity to develop the sharia industry in Indonesia, especially sharia life insurance. This is based on the penetration rate of life insurance in Indonesia in 2018 only reaching 1.3%, which shows a decrease from the previous year which was 1.4%. Therefore a strategy is needed to increase the penetration of sharia insurance through research on the factors that influence a person's interest in participating in sharia life insurance. This study aims to examine the effect of financial literacy, Islamic life insurance knowledge, Islamic financial planning, and financial behavior on interest in participating in Islamic life insurance. This research is a quantitative research. Primary data was obtained through a survey that obtained 140 respondents aged over 17 years and domiciled in the city of Bogor. The analysis uses the Partial Least Square Structural Equation Modeling (PLS-SEM) method with SmartPLS software. The results of this study indicate that the variable knowledge of sharia life insurance and sharia financial planning has a significant effect on interest in participating in sharia life insurance. On the other hand, the variables of financial literacy and financial behavior do not significantly influence interest in participating in sharia life insurance.

Performance Evaluation of Sharia Rural Banks: Maqashid Shariah Index Approach (Case Study: Sharia Rural Banks In West Java, Indonesia) Tarmizi, Erwandi; Rachmad, Dedy; Ali, Zulkarnain Muhammad; Maulida, Syahdatul
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.916

This study aims to measure the performance of Sharia Rural Banks in West Java using the maqashid sharia approach by Abdul Majid Najjar. The sample used in this study consists of 9 rural banks spread across West Java. The research data employed are secondary data in the form of financial reports for the year 2023 sourced from the Indonesia Financial Services Authority (OJK) website and governance reports for the year 2023 sourced from the official websites of each Sharia Rural Banks. The results of the study indicate that BPRS Al Salaam Amal Salman achieved the highest maqashid sharia score, followed by BPRS PNM Mentari and BPRS Almadinah Tasikmalaya Perseroda as the top three Sharia Rural Banks in West Java with the highest maqashid sharia index scores. Further analysis at the consequence level reveals that "Self" is the consequence with the highest average score compared to other consequences. Meanwhile, the consequence "Intellect" shows the lowest maqashid performance score. This study is expected to serve as a foundation for sharia banks to enhance the implementation of sharia values in their operational practices. Additionally, this study can contribute to a deeper understanding of the compliance of sharia financial institutions with the principles of maqashid sharia at the regional level.

Determinants of Intention to Pay Professional Zakat to Private Employees: Case Study of Muzakki Laznas Daarut Tauhiid Peduli Sadili, Ujang; Ali, Zulkarnain Muhammad; Zaenal, M. Hasbi
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 3 No. 2 (2024): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v3i2.2970

Purpose: This study aims to identify and analyze the factors which affect the intention to pay zakat on private employees Methodology: This qualitative research used SEM-PLS with primary data collected from questionnaires based on convenience sampling, totaling 100 respondents. Results: Religious figures and peers influenced the subjective norms of private employees' intention to pay for zakat. Perceptions of behavioral control on employees’ intention to pay zakat are influenced by zakat knowledge, zakat law enforcement, and the quality of zakat distribution. Attitudes, subjective norms and perceptions of behavioral control directly influence employees' intentions to pay professional zakat Limitations: The targets used in the research were LAZNAS DT Peduli donors, private employees and ASN employees/entrepreneurs who had zakat income as a comparison.The targets used in the research were LAZNAS DT Peduli donors, private employees and ASN employees/entrepreneurs who had zakat income as a comparison. Contribution: The results of the research show that the dominant factor influencing the perception of the behavioral control variable is the knowledge that the distribution of zakat funds carried out by private employees of LAZNAS DT Peduli is expected to be able to change mustahiq into muzakki. The practical implication of this research is that religious figures such as K.H. are important in distributing zakat. Abdullah Gymnastiar is influential in this matter in inviting and influencing private employees to give zakat to LAZNAS DT Peduli and the DT Peduli zakat institution is one of the institutions that distributes professional zakat that muzakki are interested.

Determinants of Successful Economic Independence in Pesantren: SEM Analysis Adamin, Muhammad; Firdaus, Achmad; Ali, Zulkarnain Muhammad
The Economic Review of Pesantren Vol. 3 No. 2 (2024): The Economic Review of Pesantren
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/erp.v3i2.550

This study analyzes the factors that influence the economic independence of pesantren with a focus on the role of leaders, business units, and santri empowerment programs. Using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method, data were obtained from 104 respondents who are boarding school administrators. The findings show that pesantren leaders have a significant positive effect, which is reflected in involvement in ulama organizations and community participation. Business units, through the management of kopontren, as well as the empowerment of santri with the integration of entrepreneurship in the curriculum, also contribute to the success of economic independence. Recommendations for the development of pesantren economic independence include utilizing internal potential, developing an entrepreneurial spirit among santri, and utilizing alumni networks. Future research is recommended to expand the scope of respondents and consider additional variables for a more comprehensive analysis.This study analyzes the factors that influence the economic independence of pesantren with a focus on the role of leaders, business units, and santri empowerment programs. Using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method, data were obtained from 104 respondents who are boarding school administrators. The findings show that pesantren leaders have a significant positive effect, which is reflected in involvement in ulama organizations and community participation. Business units, through the management of kopontren, as well as the empowerment of santri with the integration of entrepreneurship in the curriculum, also contribute to the success of economic independence. Recommendations for the development of pesantren economic independence include utilizing internal potential, developing an entrepreneurial spirit among santri, and utilizing alumni networks. Future research is recommended to expand the scope of respondents and consider additional variables for a more comprehensive analysis.

Enhancing The Role of Zakat and Waqf on Social Forestry Program in Indonesia Ali, Khalifah Muhamad; Kassim, Salina; Jannah, Miftahul; Ali, Zulkarnain Muhammad
Economica: Jurnal Ekonomi Islam Vol. 12 No. 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2021.12.1.6657

Abstract: This research aims to initiate the integration model of zakat-waqf with Social Forestry Program. The study is a conceptual paper and qualitative using secondary data and descriptively analyzed. It reviews several existing models related to Zakat and Waqf's role in financing the agriculture and forestry sectors to formulating a novel model for poverty alleviation from communities in and around forests expected to reduce forest destructions in Indonesia. The study concluded that zakat-waqf could finance the Social Forestry program to overcome poverty, inequality and increase the welfare of people living in and around forests. It will provide economic and ecological benefits, especially in reducing forest damage. This research can encourage other researchers to explore the potential of zakat-waqf for financing forestry sectors.Abstrak: Penelitian ini bertujuan untuk menginisasi model integrasi zakat dan wakaf dengan program Perhutanan Sosial. Penelitian adalah riset konseptual yang menggunakan data sekunder dan analisis deskriptif. Penelitian ini mengulas beberapa model eksisting mengenai peran zakat dan wakaf dalam membiayai sektor pertanian dan kehutanan untuk menyusun formula baru yang diharapkan mampu menjadi solusi kemiskinan masyarakat di dalam dan sekitar hutan, yang kemudian diharapkan menurunkan tingkat kebakaran dan kerusakan hutan di Indonesia. Hasil penelitian menunjukkan bahwa zakat dan wakaf dapat menjadi sumber pembiayaan program Perhutanan Sosial untuk mengatasi kemiskinan, kesenjangan, dan meningkatkan kesejahteraan masyarakat di dalam dan sekitar hutan. Program ini dapat memberikan manfaat ekonomi dan ekologi, spesifiknya untuk mengurangi kerusakan hutan. Penelitian ini diharapkan dapat mendorong peneliti-peneliti lain untuk menganalisis lebih lanjut mengenai potensi zakat dan wakaf untuk membiayai sektor kehutanan.

The Influence of Macroeconomic Indicators on Non-Performing Financing in Islamic Banking Using Mudharabah, Musharakah, and Murabahah Contracts Syarif, Fandi Achmad; Ismail, Rifki; Ali, Zulkarnain Muhammad
Jurnal Indonesia Sosial Sains Vol. 6 No. 1 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i1.1590

This research aims to analyze the influence of macroeconomic indicators on non-performing financing in Islamic banking with Mudharabah, Musyarakah, and Murabahah contracts. This research uses a quantitative approach with the VAR/VECM method. The research data covers the years 2015 - 2018 and includes all Islamic banks in Indonesia. The research results indicate that the macroeconomic indicators that influence and determine non-performing financing, based on Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) tests, are as follows: for Mudharabah financing, Inflation, Industrial Production Index, and Exchange Rate according to IRF, and Inflation and Exchange Rate according to FEVD; for Musyarakah financing, Money Supply according to IRF, and Inflation according to FEVD; and for Murabahah financing, Inflation and Money Supply according to IRF, and Industrial Production Index, Exchange Rate, and Money Supply according to FEVD.

Pariwisata Halal Desa Wisata Dayun Provinsi Riau : Strategi dan Upaya Pengembangan Agelina, Annisa; Ali, Zulkarnain Muhammad; Indra, Indra
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Objective : The purpose of this study is to investigate the problems of halal tourism development especially tourism village in Riau Province, Indonesia along with the solutions, potentials and also the best strategy to use. Method : The research method used in this study is Analytic Network Process (ANP). Informants are experts in the field of halal tourism. This study involves 5 (five) informants consisting of regulators, academia, and practitioner. Finding : The results showthat the main potential that will be increase in halal tourism Dayun tourism village is creative economic sector, while the main problem is the lack of innovation. In terms of solutions, the lokal tourism regulation provided by the government is themain solution to enchance lokal halal tourism And the first strategy is to be need competitive human resources. From these results, the government can consider to improve human resources skill in every region of tourism so there will be competitive human resources in order to developing sustainable halal tourism

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