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All Journal Islamic Ecomonics Journal El-Iqtishod: Jurnal Ekonomi Syariah Journal Islamic Economics Ad Diwan Jurnal Sahid Mengabdi
Azizah Mursyidah
Institut Agama Islam Sahid
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Analisis Pembiayaan Murabahah Dalam Pemberdayaan Usaha Mikro Kecil Menengah Azizah Mursyidah; Herawati
El-Iqtishod: Jurnal Ekonomi Syariah Vol. 5 No. 2 (2021): Jurnal Ekonomi Syariah EL-IQTISHOD
Publisher : Program Studi Ekonomi Syariah

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

Abstract

Penelitian ini dilatarbelakangi oleh semaraknya pembiayaan berdasarkan prinsip syariah yang merambah kepada pentingnya pemberdayaan UMKM. UMKM merupakan suatu sektor yang cukup penting dalam menopang ekonomi global yang dalam proses pengembangannya juga mempunyai dampak atau pengaruh cukup besar pada perputaran sektor ekonomi. Konsep pembiayaan memang berpotensi membantu para pelaku usaha untuk menambah permodalan. UMKM membutuhkan permodalan yang mudah dijangkau, yang memang pada dasarnya pembiayaannya itu di peruntukan untuk UMKM. BPRS hadir untuk memabantu para pelaku UMKM dalam mendapatkan modal dan membantu usahanya. Pembiayaan murabahah menjadi pembiayaan yang mendominasi dan paling banyak digunakan oleh bank-bank syariah karena pembiayaan murabahah dikenal mudah, sederhana, transparan, dan memberikan rasa aman pada bank karena risiko yang timbul dapat diminimalisir/relatif lebih kecil. Tujuan dari penelitian ini adalah menganalisis pembiayaan murabahah dalam pemberdayaan Usaha Mikro Kecil Menengah (UMKM) di BPRS Amanah Ummah. Penelitian ini bersifat kualitatif dan metode pengumpulan data dengan melakukan wawancara, observasi dan dokumentasi. Analisis yang digunakan dalam penelitian ini adalah deskriptif kualitatif. Berdasarkan data-data yang telah diperoleh selama melaksanakan penelitian. Hasil penelitian menunjukkan apabila dilihat dari meningkatnya penyaluran pembiayaan terhadap pembiayaan murabahah terkhusus untuk pembiayaan modal kerja yang berkaitan dengan UMKM, peningkatan tersebut dapat dilihat dari data penyaluran pembiayaan baik itu dari data OJK maupun data internal BPRS Amanah Ummah, yang menunjukan bahwa pembiayaan menggunakan akad murabahah dimungkinkan mampu dalam memberdayakan UMKM karena mampu memajukam roda perekonomian bagi para pelaku UMKM.
Analisis Indikator Kinerja Zakat Community Development Dalam Rangka Pemberdayaan Mustahik Produktif Azizah Mursyidah
Islamic Economics Journal Vol 5, No 1 (2019)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (494.119 KB) | DOI: 10.21111/iej.v5i1.3670

Abstract

This paper is a theoretical article that One of the zakah utilization problems is the short term need of mustahik. Zakah Community Development is one the productive program in BAZNAS aims to empower the poor in aspect education, health, economic and religion aspect. The problem of community program is how to measure the result of the performance of the program as well as outcome and also the impact of the implementation of the program. This study aims to measure the performance indicators of zakah community development to empower mustahiq’s in Indonesia, using ANP (Analytic Network Process). ANP is a qualitative and quantitative research methodology to empasize data collection on the view experts and practitioners, ANP is an easier methodology applied to qualitative study that diverse as decision making, forecasting, evaluation, mapping strategies, resource allocation, and others. Based on the result of zakah performance indicator of community development there are five indicators: (1) Institutional Indicator, (2) Strengthening community capacity Indicator, (3) Development community businesses Indicator, (4) Development of work Indicator, (5) assessment religion Indicator.The most important of ZCD’s Performance Indicators is the partnership development with 9.1% and 48.4 percent of the coefficients Kendalls of expert and practitioner. Meanwhile, improving ZCD’s performance indicator to empower mustahik in Indonesia is a must, this result can be able to be used as the consideration to increase the partnership value. The strategies to ZCD Performance Indicator are:(1) Cooperation multi-stakeholders zakah community development and programs, (2) innovation of ZCD’s program, (3) efficiency ZCD phases of the program.
ANALISIS MAQASHID SYARIAH PEMANFAATAN SMARTPHONE SEBAGAI MEDIA PEMASARAN ONLINE PADA PELAKU WIRAUSAHA Azizah Mursyidah; Siti Maspupah
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 2 No 2 (2023): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v2i02.368

Abstract

This study aims to determine the analysis of maqashid sharia on the use of smartphones as an online marketing medium for entrepreneurs during the Covid-19 period. As for the maqashid sharia, according to Imam Al-Ghazali, it is reflected in five main things, namely hifdz ad-Din (safeguarding religion), hifdz an-Nafs (safeguarding the soul), hifdz al-aql (safeguarding the mind), hifdz al-Mal (safeguarding property) , and hifdz an-Nasl (guarding offspring). The research method used is descriptive qualitative, data collection was carried out using interviews and questionnaires. The sample of this study was 30 participants, with the sampling technique in this study used on the basis of non-probability sampling with purposive sampling technique, namely samples taken with certain considerations/criteria, and snowball sampling, namely the addition of the sample was stopped when the data was saturated. or from various informants, both old and new, not providing any new data. The results of this research are the analysis of Maqashid Syariah on the use of smartphones as an online marketing medium for entrepreneurs in 3 villages which fall into the very appropriate category with an average percentage of 92%. There were obstacles faced by entrepreneurs in the 3 covid-19 villages causing a decline in the community's economy which resulted in reduced consumer buying interest, because the community prioritized or prioritized buying basic daily needs; the number of new competitors, the high cost of operations and raw materials, the presence of covid-19 financial reports or entrepreneurial income is decreasing, this is a threat to entrepreneurs
Analisis Indikator Kinerja Zakat Community Development Dalam Rangka Pemberdayaan Mustahik Produktif Azizah Mursyidah
Islamic Economics Journal Vol. 5 No. 1 (2019)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (494.119 KB) | DOI: 10.21111/iej.v5i1.3670

Abstract

This paper is a theoretical article that One of the zakah utilization problems is the short term need of mustahik. Zakah Community Development is one the productive program in BAZNAS aims to empower the poor in aspect education, health, economic and religion aspect. The problem of community program is how to measure the result of the performance of the program as well as outcome and also the impact of the implementation of the program. This study aims to measure the performance indicators of zakah community development to empower mustahiq’s in Indonesia, using ANP (Analytic Network Process). ANP is a qualitative and quantitative research methodology to empasize data collection on the view experts and practitioners, ANP is an easier methodology applied to qualitative study that diverse as decision making, forecasting, evaluation, mapping strategies, resource allocation, and others. Based on the result of zakah performance indicator of community development there are five indicators: (1) Institutional Indicator, (2) Strengthening community capacity Indicator, (3) Development community businesses Indicator, (4) Development of work Indicator, (5) assessment religion Indicator.The most important of ZCD’s Performance Indicators is the partnership development with 9.1% and 48.4 percent of the coefficients Kendalls of expert and practitioner. Meanwhile, improving ZCD’s performance indicator to empower mustahik in Indonesia is a must, this result can be able to be used as the consideration to increase the partnership value. The strategies to ZCD Performance Indicator are:(1) Cooperation multi-stakeholders zakah community development and programs, (2) innovation of ZCD’s program, (3) efficiency ZCD phases of the program.
PENGENALAN PENTINGNYA KOPERASI PROPERTY SYARIAH DI DESA NAMBO GREEN VILLAGE Azizah Mursyidah
SAHID MENGABDI: Jurnal Pengabdian Masyarakat Institut Agama Islam Sahid Bogor Vol 2 No 01 (2023): Juni 2023
Publisher : Lembaga Penelitan dan Pengabdian Masyarakat Institut Agama Islam Sahid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/jsm.v2i01.164

Abstract

Sharia cooperatives are micro-institutions that adhere to sharia principles, the purpose of having sharia property cooperatives is to prepare housing based on sharia principles, namely the principle of prioritizing the element of justice, not prioritizing the principles of riba, maysir, gharar, tadlis, and zolim. This research is a study that discusses qualitative descriptive analysis and field surveys; the result of this research is increasing public understanding of sharia cooperatives connecting sharia cooperatives, as well as sharia muamalah contracts that exist in sharia cooperatives; including: ba'I Assalam, Murabahah, Ba'I Istishna, and Ijarah Muntakiya Bittamlik. and the prohibition of MAGRIB (Maysir, Gharar, Riba, Tadlis, Bathil).
Co-Authors Herawati Siti Maspupah