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Fintech Achieving Sustainable Development: The Side Perspective of Crowdfunding Platform Piliyanti, Indah
Shirkah: Journal of Economics and Business Vol 3, No 2 (2018)
Publisher : Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta

Crowdfunding has gradually been an emerging financing model of raising small amounts of money from a large number of people, mostly by means of optimizing certain website. The article proposes to explore the development of crowdfunding platform and the prospective of Islamic crowdfunding as the financial solution. The data has been gathered from certain website, under five standards: social network, event, user motivation, incentive versioning, and critical mass. The article reveals that along with other types of crowdfunding platforms, Islamic crowdfunding have disrupted sharia financing in Indonesia, yet the relate rule of financing have not accommodated this great development. Keywords: crowdfunding, Islamic crowdfunding, micro financing

BENCHMARKING LEMBAGA ZAKAT KAMPUS: KAJIAN ATAS EFISIENSI FUNDRISING ZAKAT MENGGUNAKAN DATA ENVELOPMENT ANALYSIS (DEA) Indah Piliyanti; Sayekti Endah Retno Meilani
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 6, No 1 (2020): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v6i1.14460

Dalam UU pengelolaan Zakat No. 23 Tahun 2011, memungkinkan perguruan tinggi dapat menjadi Unit Pengumpul Zakat yang membantu pemerintah meningkatkan penghimpunan dan mendayagunakan zakat untuk kesejahteraan di lingkungan sekitar kampus. Penelitian ini bertujuan untuk mengetahui perbedaan praktik lembaga zakat di kampus dari program fundrising dan pendayagunaan zakat serta mengetahui efisiensi lembaga. Data diperoleh dari website dan laporan keuangan lembaga zakat kampus. Pemilihan lembaga zakat kampus menggunakan metode purposive sampling. Analisis data dalam penelitian ini menggunakan analisis kualitatif dan kuantitatif. Analisis kualitatif digunakan sebagai alat untuk menjelaskan model fundraising dan pendayagunaan dana zakat pada lembaga zakat kampus. Sedangkan analisis kuantitatif menggunakan Data Envelopment Analysis (DEA) untuk mengukur efisiensi laporan keuangan lembaga zakat kampus. Model fundrising pada 5 objek pengamatan yakni lembaga zakat kampus ABCDE di Indonesia. Secara umum, lembaga zakat berbasis kampus telah mengadopi strategi penggalangan dana modern. Dari sisi pendayagunaan, 5 objek pengamatan juga telah mengadopsi model pengembangan donasi sebagaimana dirilis oleh kementerian agama. Penilaian efisiensi dalam penelitian ini dilakukan pada lima instansi dengan sembilan pengamatan menunjukkan bahwa terdapat 3 DMU yang menunjukkan tingkat efisiensi sempurna (100%).

ZAKAT UNTUK SEKTOR PRODUKTIF: STUDI PADA ORGANISASI PENGELOLA ZAKAT DI SURAKARTA Muh Juan Suam Toro; Hasim Hasim; M Amien Gunadi; Indah Piliyanti
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 7, No 2 (2013)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v7i2.431-450

This paper is part of research that aims to investigate whether Organisasi Pengelola Zakat (OPZ) or Zakat Management Organisations in Surakarta have the awareness to distribute zakat fund to the productive sector and to address the contribution that has been made in this sector by OPZ. This study also investigated the constraints faced by OPZ in distributing zakat to the productive sector. Using explorative approach, this study uses two stages of data collection. Results showed that the first stage, OPZ generally already have the awareness to channel to the productive sectors of the economy. Four OPZ as an informant in the second stage with in-depth interviews showed that each organization has a unique program in distributing zakat fund to the productive sector. The constraints of distribution to productive economic sectors are focus on institutions, inavailability of good distribution systems, and the lack of skilled human resource.

Fintech Achieving Sustainable Development: The Side Perspective of Crowdfunding Platform Indah Piliyanti
Shirkah: Journal of Economics and Business Vol. 3 No. 2 (2018)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Crowdfunding has gradually been an emerging financing model of raising small amounts of money from a large number of people, mostly by means of optimizing certain website. The article proposes to explore the development of crowdfunding platform and the prospective of Islamic crowdfunding as the financial solution. The data has been gathered from certain website, under five standards: social network, event, user motivation, incentive versioning, and critical mass. The article reveals that along with other types of crowdfunding platforms, Islamic crowdfunding have disrupted sharia financing in Indonesia, yet the relate rule of financing have not accommodated this great development.Â Keywords: crowdfunding, Islamic crowdfunding, micro financing

Charitable Behavior of Muslim in Indonesia during the COVID-19 Pandemic: A Tobit Model Analysis Agni Alam Awirya; Indah Piliyanti; Dian Novita
Shirkah: Journal of Economics and Business Vol. 6 No. 3 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

The COVID-19 pandemic has caused a decline in social welfare. In such a situation, community philanthropy, including from the Muslim community, becomes critical. This study aims to explore the charitable behavior of Muslims in Indonesia during the COVID-19 pandemic. The Tobit regression was used to analyze data from online surveys to determine the pattern changes of donations during the pandemic as well as the factors affecting the amount of donation. This study uncovered that Zakat Management Organizations (BAZNAS and LAZ) were some of the main choices for distributing zakat and alms (sedekah) during the pandemic. It was found that the factors with a positive and significant effect on the probability of increasing the percentage of donations were education, length of stay, and expenses. The results of this study contribute to the policy of developing the Zakat Management Organization as institutions trusted by the community in distributing zakat funds. This study supports the fundraising of the zakat organizations in terms of offering valuable insights and clear description about the Indonesian peopleâ€™s charitable behavior. More importantly, this study suggests that improving the quality of education is crucial to increase community awareness in performing Islamic philanthropy such as giving zakat, sedekah, and waqf.

Assessing Factors Influencing Moral Hazard of Mudharaba And Musyaraka Financing in Islamic Banking; Case Study in Surakarta Indah Piliyanti; Afrilianti Afrilianti
Al-Tijary Al-Tijary, Vol. 1, No. 2, Juni 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v1i2.524

Unlike conventional banking, theoretically, Islamic banking has unique system called profit and loss sharing based financing which ensure both parties in the same level. But, in fact, some cases moral hazard has been occur in Islamic banking. Moral hazard is related to the circumstances, nature, and human characters that can increase the risk of large losses. Moral hazard in Islamic banking could occur in mudharaba and musyaraka financing when selecting, processing and monitoring of these mode of financing.The purpose of this study was to determine the factors lead to moral hazard in Islamic banking in Surakarta which offering mudharaba and musyaraka to their customers. This research was conducted at Islamic Banking in Surakarta, especially mudharabah and Musharaka financing as the unit of analysis. The data used in this study was obtained from the primary respondents to fill out questionnaires regarding to moral hazard issues. Factor analysis is used to determine the trend of the factors influencing moral hazard in profit sharing based financing. The results showed that the cause of the moral hazard of Muhdaraba and musyaraka financing is Asymmetric Information (0.917), client character (-0.884), scope of the contract (0.727), Monitoring (-0.881) and Collateral (0.647). The most dominant factor in the cause of moral hazard on mudharabah and Musharaka is Monitoring and Security.

Pemberdayaan Ekonomi Masyarakat Berbasis Dana Sosial Keagamaan di Temanggung Waluyo; Indah Piliyanti
Transformatif : Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/tranformatif.v4i1.6395

Dukuh Kandangan, in Tempuran Temanggung Village, consists of 130 families consisting of Christians, Muslims and Buddhists and live in harmony. The livelihoods of the majority are farmers and traditional ranchers. This community service is a form of support for strengthening religious moderation by empowering the community's economy based on socio-religious funds. Asset-based community development is used as a basis for the development of economic-based community empowerment. This approach focuses on developing community-based assets to support activities. This activity began with a focus group discussion (FGD) with academics to discuss the potential for community-based economic development in Temanggung. The results of this FGD were used to carry out interventions in the form of giving livestock which were managed by the community of three different religions in Dukuh Kandangan. These livestock become community assets to be jointly managed and used for the benefit of community capacity building.

ACCOUNTABILITY DISCLOSURE OF WEB-BASED AND PSAK 109 ZAKAT MANAGEMENT ORGANIZATIONS Narulitasari, Devi; Piliyanti, Indah
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15603

This research aims to determine the level of disclosure of web-based accountability and PSAK 109 of zakat management organizations in Indonesia. The type and research approach used is descriptive research. This research uses secondary data obtained from the official website of each zakat management institution in Indonesia in 2023, consisting of 35 Amil Zakat Agencies and 117 Amil Zakat Institutions, thus obtaining a sample of 25 Amil Zakat Bodies and 98 Amil Zakat Institutions. Data analysis carried out using content analysis consisting of 2 stages. The first stage is to carry out a checklist on the website with disclosure and dialogue criteria. The second stage is to conduct a content analysis of PSAK 109's suitability in the financial statements. The research results show that the average website-based accountability disclosure at the National Amil Zakat Agency is in the middle category and at the Amil Zakat Institution is in the high category. Meanwhile, the average accountability disclosure by PSAK 109 at the Amil Zakat Agency is in the very low category and the Amil Zakat Institution is in the very low category. This shows that zakat management organizations need to prepare financial reports by PSAK 109 and publish them via the website to increase their accountability to the public. Keywords: disclosure, accountability, website, financial reports, PSAK 109.

ACCOUNTABILITY DISCLOSURE OF WEB-BASED AND PSAK 109 ZAKAT MANAGEMENT ORGANIZATIONS Narulitasari, Devi; Piliyanti, Indah
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15603

This research aims to determine the level of disclosure of web-based accountability and PSAK 109 of zakat management organizations in Indonesia. The type and research approach used is descriptive research. This research uses secondary data obtained from the official website of each zakat management institution in Indonesia in 2023, consisting of 35 Amil Zakat Agencies and 117 Amil Zakat Institutions, thus obtaining a sample of 25 Amil Zakat Bodies and 98 Amil Zakat Institutions. Data analysis carried out using content analysis consisting of 2 stages. The first stage is to carry out a checklist on the website with disclosure and dialogue criteria. The second stage is to conduct a content analysis of PSAK 109's suitability in the financial statements. The research results show that the average website-based accountability disclosure at the National Amil Zakat Agency is in the middle category and at the Amil Zakat Institution is in the high category. Meanwhile, the average accountability disclosure by PSAK 109 at the Amil Zakat Agency is in the very low category and the Amil Zakat Institution is in the very low category. This shows that zakat management organizations need to prepare financial reports by PSAK 109 and publish them via the website to increase their accountability to the public. Keywords: disclosure, accountability, website, financial reports, PSAK 109.

Analisis Penerimaan Masyarakat Muslim Boyolali Terhadap Financial Technology Sebagai Alat Transaksi Elektronik Armi , Pradita Luci; Piliyanti, Indah
Journal of Economics and Business Research (JUEBIR) Vol. 2 No. 2 (2023): December 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/juebir.v2i2.7865

Financial technology (fintech) is a technological development in the financial sector since industrial revolution 4.0 begun. Fintech models is ranging from crowdfunding, peer to peer lending, investment management, payment, market aggregator. The paper argue that finctech is becoming daily lifestyle in urban area. The paper is tested acceptance of fintech as a payment method of 400 rural respondents Boyolali. By united theory of acceptance and use of technology, the study revealed that the variable values of performance expectations, social factors, facilitating conditions show an alpha value of less than 0.05 and the significance value indicates an adequate category, so the results show a relationship with user acceptance, while the effort expectation variable shows an alpha value of more than 0.05 and the significance value is included in the very weak category so that there is no effect on user acceptance. In the test results the moderating variable of experience can strengthen the relationship between social factor variables and conditions that facilitate user acceptance, but the moderating variable cannot strengthen the business expectation variable

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