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All Journal Shirkah: Journal of Economics and Business IJISH (International Journal of Islamic Studies and Humanities) el-Jizya: Jurnal Ekonomi Islam Economic Development Analysis Journal
Pertiwi Utami
Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBI) Lampung
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

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Innovations in the Management of Zakat in Indonesia in Increasing Entrepreneurial Interest and Poverty Reduction Pertiwi Utami; Basrowi Basrowi; Muhammad Nasor
IJISH (International Journal of Islamic Studies and Humanities) Vol. 4 No. 1 (2021): April
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/ijish.v4i1.1960

Abstract

The purpose of this study is to propose the management of BAZNAS which could become one of the role models of digital zakat because it is quite successful in managing zakat and the use of digital technology to create the interests of the people. Literature studies are used to reveal the use of digital technology in BAZNAS and how to develop digital entrepreneurship in the future. Findings from the results of the study revealed that the BAZNAS digital zakat program can reduce poverty due to empowering mustahik through digital entrepreneurship and digital technology innovation in the form of rice atm. Other digital technology implementations are digitizing zakat payments, application-based digital information technology services for muzzaki, and blockchain (i-zakat) in managing digital zakat. For the development of digital entrepreneurship, the role of government, universities, and BAZNAS must be able to work well together. The BAZNAS Model digital zakat program can be a useful reference for global zakat managers in improving digital entrepreneurial practices and zakat distribution innovation. The implications of this research are the results of observations on the practice of using BAZNAS digital zakat technology in the management of zakat based on a theoretical basis using an Islamic economic approach.
Tourism Economic Recovery Policy After the Lombok-Sumbawa Earthquake Ahmad Habibi; Pertiwi Utami; Muhammad Iqbal
Economics Development Analysis Journal Vol 11 No 2 (2022): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

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Abstract

This study aims to determine the implementation of policies to accelerate tourism economic recovery affected by the Covid 19 pandemic after the Lombok West Nusa Tenggara Earthquake in 2018. This study finds disagreement between previous studies and a lack of empirical evidence. Studies that show critics say that the development of the government's economic recovery strategy after the natural disaster in Lombok-Sumbawa is considered not optimal. The quantitative research design focuses on two themes, namely: 1) central and local government policies; and 2) planning strategies in the context of accelerating tourism economic recovery. The first finding reveals that the government's policy through the medium-term tourism economic recovery strategy as stated in the 2019-2023 RPJMD carried out by the West Nusa Tenggara Provincial Government has not been maximized. This can be seen clearly from the high number of poor people in West Lombok at 17 percent with an unemployment rate of 3.35 percent. As a result of the implementation of social distancing in the midst of the Covid 19 Pandemic and the post-earthquake on Lombok Island, West Nusa Tenggara, since 2018 there has been a decline in tourist visits due to the earthquake and the Covid-19 pandemic. The strategy carried out is data collection and support activities through priority programs that have been divided into 4 clusters to increase 3A (attractions, accessibility, and amenities for tourist villages/new tourist villages). In addition, a Digital-Based Promotion Strategy for Unaffected Destinations which intensifies promotion with a BAS (Branding, Advertising for e-commerce, Selling) strategy. The expected implication is that this research can contribute to accelerating the recovery of the tourism economy globally which has been affected by Covid 19 and after natural disasters
ANALISIS SWOT PASAR MODAL SYARIAH SEBAGAI SUMBER PEMBIAYAAN DI INDONESIA Basrowi Basrowi; Pertiwi Utami; Erike Anggraeni; Muhammad Nasor
el-Jizya: Jurnal Ekonomi Islam Vol. 8 No. 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (272.576 KB) | DOI: 10.24090/ej.v8i2.3957

Abstract

The purpose of this study is to provide a literature review of the problems currently faced by Islamic Capital Markets, given that Islamic capital market products have not been used significantly as a source of financing outside of Islamic Banks. Whereas the opportunity as an alternative source of funding is quite large, especially because of the potential of the majority of Indonesian Muslims. The method used in this study is the literature method based on the most up-to-date reading sources from books and journals. Data analysis methods used are SWOT analysis so that it is expected to find the right strategic solution for using the Islamic capital market as a source of financing outside the bank. The results of the analysis indicate that the use of Islamic capital market products has a positive force by continuously maintaining its existence. Its superiority is influenced by its activities which avoid Maghrib (Maysir, haram, usury and gharar). The impact is very significant on environmental empowerment or 'green economy' because it indirectly prohibits the practice of destroying natural resources for stakeholder actors. The disadvantage is the large number of human resources in the Islamic Capital Market who are unable to use sophisticated technology appropriately and optimally. Opportunities come from technological developments and increasing public financial literacy on the Islamic capital market. The obstacle is that there is a high risk due to external factors, namely political, economic, socio-cultural changes that must be watched because there is always no certainty about it.
Digital Transformation in Postal Logistics: A Design Science Approach to Enhancing Operational Performance through Geocoding and Voice-Assisted Sorting Systems Meilia Risna; Pertiwi Utami; Umi Khulsum; Nur Azizah Zuhriyah; Tulus Suryanto
Shirkah: Journal of Economics and Business Vol. 11 No. 2 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v11i2.1210

Abstract

Despite ongoing digital transformation in logistics, conventional postal sorting systems remain vulnerable to routing errors and operational inefficiencies, implying the need for more intelligent sorting solutions. This study aims to develop a web-based logistics sorting system integrating barcode scanning, geocoding automation, and voice-assisted technology to enhance operational performance in the Jakarta Premier Main Branch Office of Pos Indonesia. Employing a Design Science Research (DSR) approach, the study involved four stages: problem identification, system design, pilot implementation, and performance evaluation. The developed system was tested through a three-week pilot project using operational performance indicators, including sorting accuracy, processing time, and Service Level Agreement (SLA) compliance. The findings demonstrate that the proposed system substantially improved sorting accuracy from 86.5% to 96.7%, reduced average processing time by approximately 35%, and enhanced SLA compliance through more accurate delivery zone classification and real-time operational support. The voice-assisted interface also reduced operators’ cognitive workload and improved workplace efficiency. These findings emphasize the strategic role of digital logistics technologies in strengthening operational excellence and service quality, providing practical insights for postal organizations seeking sustainable digital transformation and intelligent logistics management.
Co-Authors Ahmad Habibi Basrowi Basrowi Basrowi Basrowi Erike Anggraeni Meilia Risna Muhammad Iqbal Muhammad Nasor Muhammad Nasor Nur Azizah Zuhriyah Tulus Suryanto Umi Khulsum