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All Journal Jurnal Ekonomi & Keuangan Islam Martabe : Jurnal Pengabdian Kepada Masyarakat Mazahibuna: Jurnal Perbandingan Mazhab Journal of Islamic Economic and Business Research
Martiana, Andri
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Social Sciences

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The Pawn (Rahn) in Local Practice of Massanra Galung of South Sulawesi Society: A Comparative Analysis of Madhhabs Kamaruddin; Martiana, Andri; Farhah, Ummi; S, Cahaya Rahmadani
Mazahibuna: Jurnal Perbandingan Mazhab VOLUME 5 ISSUE 2, DECEMBER 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/mazahibuna.vi.39894

Abstract

The application of massanra galung has become a customary practice within the Bellu Village community. However, its execution has been observed to frequently experience certain deviations from the established regulations. This study aims to examine the application of the concept of Rahn within the context of the massanra galung practice in Bellu Village, situated in Salomekko District, Bone Regency. It was also carried out with the aim of exploring and analyzing the Rahn concept through the lens of the four main schools of thought (madhhabs) in Sunni fiqh. This research is empirical research, and it was conducted using both a phenomenological and a comparative approach. To achieve the outlined aim, data were collected from interviews with six people who practiced massanra galung and from several community leaders. The obtained results showed that within the implementation system of massanra galung in Bellu Village, it is customary for the pledgor to approach the pawn receiver to secure a loan, typically offering their rice field as collateral. It is important to acknowledge that the views of the four madhhabs on certain matters differ, specifically when considering the practice of massanra galung. However, these schools of thought all agree that due to the fulfillment of the pillars and conditions required for massanra galung, the practice is considered valid and permissible according to Islamic law. Regarding the pawn transaction, two parties are considered namely the pawn giver (rāhin) and the pawn receiver (murtahin). It was recommended that efforts aimed at reinforcing the practice of massanra galung should prioritize the enhancement of record-keeping protocols to mitigate potential disputes.
Qualitative Study on the Factors Affecting the Occurrence of Agency Problem in Microenterprise Financing in Baitul Maal wa Tamwil Martiana, Andri; Kassim, Salina; Zakariyah, Habeebullah; Siti Raihanun
Journal of Islamic Economic and Business Research Vol. 4 No. 2: December 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v4i2.323

Abstract

Baitul Maal wa Tamwil (BMT), a financial cooperative organization, managed by people, can provide informal funding for households. However, the agency problem poses challenges for financial institutions operating in that micro sector, as financiers may struggle to monitor borrower characteristics, efforts, or profitability, leading to inefficiencies in the microcredit market. Further research is needed to determine the root causes of these problems. Empirical investigations show that the recommended methodology has not been effective, indicating a need for better methodological amendments and critical reevaluation. This study investigates factors affecting agency problems in microenterprise financing using a qualitative approach. The study involved 49 participants from eight selected BMTs, academics, and regulators, who were interviewed, observed, and analyzed for in-depth understanding. Data verification was done through triangulation, and reliability was ensured through transcript review, accurate codes, and continuous comparison with codes using NVivo. According to the study's findings, member behavior, incomplete financial analysis, lack of human resources, poor communication, Sharia compliance concerns, and lack of Islamic financial literation led to agency problem in BMT. The formation of this issue is predominantly due to poor management, inadequate levels of assistance, and incompetent management. The study reveals that issues in BMT microenterprise finance are primarily due to poor management, inadequate assistance, and incompetence. The problem is exacerbated by member behavior, incomplete financial analysis, lack of human resources, poor communication, Sharia compliance concerns, and lack of Islamic financial literacy. The study recommends adopting agency theory, increasing operational efficiency, strengthening member education, and managing compliance concerns. Practical suggestions include improving regulatory frameworks and training programs.
Asymmetric information issues in micro-business financing of Baitul Maal wa Tamwil Martiana, Andri; Kassim, Salina; Zakariyah, Habeebullah
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 1, January 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss1.art5

Abstract

Purpose – Despite its potential advantages, poverty interferes with economic progress in developing countries, obstructing small and medium-sized businesses from obtaining external financial assistance via Islamic microfinance. This study explores the problems related to asymmetric information in the context of funding microbusinesses in Baitul Maal wa Tamwil (BMT), with the goal of improving our understanding of the risks associated with financing in Islamic microfinance institutions, namely BMTs.Methodology – This research utilized a qualitative approach and content analysis to study BMTs in Indonesia, involving academics, practitioners, and voluntary participants. The sample size was adequate for achieving data saturation.Finding – This study demonstrates that there might be asymmetric information during the execution of contracts, leading to deviant behavior by BMT management and partners. The study additionally identified the risk characteristics present in Islamic MFIs, emphasizing the necessity for implementing novel lending mechanisms, such as group lending and individual collateralized loans. Implication – This study underscores the importance of resolving the substantial administrative overheads associated with these institutions. It is advisable to utilize additional research methods such as interviews, observations, and documentation to augment the depth of the research and engage a varied array of individuals for a comprehensive collection of information.Originality – Studies of Islamic microfinance in Indonesia have examined its performance, obstacles, and experience. However, empirical data on agency problems such as moral hazard and asymmetric knowledge are lacking. For optimal BMT operating efficiency and Shariah compliance, it is essential to comprehend these challenges.
PENDAMPINGAN SERTIFIKASI HALAL UMKM MELALUI "HALAL SELF-DECLARE": STUDI DI AFLAHA MART, PLERET PONDOK PESANTREN MUHAMMADIYAH, YOGYAKARTA Maesyaroh, Maesyaroh; Martiana, Andri; Della Agustin, Putri
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 5, No 6 (2022): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v5i6.2309-2318

Abstract

The government, through the Halal Product Guarantee Agency (BPJPH), provides easy access to the public, especially micro businesses, so that they can obtain a free halal certificate, namely the existence of a Halal Self Declaration. Halal self-declaration is an effort to certify halal through statements by business actors supervised by the Halal Inspection Agency. The purpose of this activity is to educate and assist food suppliers in the Aflaha Mart MBS Pleret canteen for the realization of the halal industry, especially in the food sector, so that it is safe and thayib consumed by consumers. The target of the halal self-declaration program in this activity is the suppliers of processed food at the Aflaha Mart canteen of MBS Pleret. The problem faced by partners is that, currently, there is not a single halal-certified food, even though halal certification is an obligation for business actors. The method of this activity is to socialize the importance of halal certification and assist with the mechanism for applying for halal certification through halal self. The results of the service show that after the pre-test and post-test treatments, the food business actors have knowledge of halal food, which is allowed by Islam, but they do not understand the mechanism for applying for halal certification. At least with this activity, business actors have increased their understanding regarding the management of halal certification through “halal self-declare”.
Co-Authors Della Agustin, Putri Farhah, Ummi Kamaruddin Maesyaroh Maesyaroh, Maesyaroh S, Cahaya Rahmadani Salina Kassim Siti Raihanun Zakariyah, Habeebullah