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All Journal Signifikan : Jurnal Ilmu Ekonomi Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Administrasi Kesehatan Indonesia Jurnal Ilmiah Ekonomi Islam Liquidity: Jurnal Riset Akuntansi dan Manajemen Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Journal of Economic, Bussines and Accounting (COSTING) JMM (Jurnal Masyarakat Mandiri) Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Muhammadiyah International Journal of Economics and Business Jurnal Perilaku dan Strategi Bisnis International Journal of Zakat (IJAZ) Indonesian Journal of Economics Application (IJEA) JESS (Journal of Education on Social Science) JURNAL STUDIA ADMINISTRASI Kontigensi: Jurnal Ilmiah Manajemen Indonesian Journal of Multidisciplinary Science International Journal of Asian Business and Management (IJABM) Neraca Manajemen, Akuntansi, dan Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Economics, Business and Innovation Research Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Mukhaer Pakkanna
Institut Teknologi Dan Bisnis Ahmad Dahlan, Jakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Of Micro Sharia People's Business Credit (KUR) Financing Products At Bank Syariah Indonesia Sub-Branch Office Bulukumba Samratulangi Musayyin Abdullah; Mukhaer Pakkanna
International Journal of Economics, Business and Innovation Research Vol. 4 No. 01 (2025): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

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Abstract

This research aims to find out more deeply about Sharia Micro KUR Financing Products and find out how BSI KCP Bulukumba minimizes the risks faced.The methodology used in this research is descriptive qualitative, utilizing interviews, observation, and documentation to gather information from BSI employees. The results showed that KUR Mikro Syariah has played an important role in facilitating access to financing for micro enterprises, thus contributing to their growth and sustainability. However, challenges such debtor default have been identified as significant obstacles. To mitigate these risks, BSI has implemented risk management strategies that are compliant with sharia principles, including regular monitoring. The study reached the conclusion that while KUR Mikro Syariah has the potential to boost Bulukumba's economy, continuous improvements in supervision and support mechanisms are important to maximize the impact it can have on the local economy.
Strategi Penerapan Prinsip Maqashid Syariah Dalam Pengelolaan Badan Usaha Milik Desa (Studi kasus di Badan Usaha Milik Desa Amanah Desa Bukit Gajah Kabupaten Pelalawan) Syahrizul, Syahrizul; Pakkanna, Mukhaer
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14714

Abstract

Abstract Badan Usaha Milik Desa Amanah is a business entity owned by the village and has 5 different business units. Although it has implemented sharia principles in the Financing Unit, there are still challenges in the overall implementation as it still partners with conventional banks. Therefore, research was conducted to develop a strategy for implementing Maqashid Syariah in the management of the Amanah Village-Owned Enterprise, using SWOT analysis. The research used a qualitative approach by analysing the application of Maqashid Syariah principles and in-depth interviews with various relevant parties. The research concluded that the Amanah Village-Owned Enterprise can implement Maqashid Sharia principles into its management by internalising indicators such as religious compliance, improving the quality of human resources, sharia management, business orientation seeking blessings and profits, and sharia financial management. The best strategy for the implementation of Maqashid Syariah principles is to revise the Articles of Association/Bylaws to become a Sharia-based Amanah Village-Owned Enterprise and increase partnerships with Bank Rakyat Indonesia and other partners.
Enhancing Zakat Governance: Implementation of the SIMBA System Across BAZNAS Levels Riyanto, Dwi; Fakkanna, Mukhaer
International Journal of Zakat Vol 9 No 2 (2024): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v9i2.506

Abstract

The development of technology has had a major impact on the management of zakat in Indonesia, particularly through the use of management information systems by the National Agency for Amil Zakat (BAZNAS). In order to simplify zakat management and increase transparency, BAZNAS developed a management information system called SIMBA. Although many previous studies discuss SIMBA, most of them focus only on the regional level and thus do not provide a comprehensive picture of its national implementation. This research aims to provide a comprehensive overview of the implementation of SIMBA at the provincial, district and city levels and to identify supporting and inhibiting factors in an effort to improve the use of SIMBA to optimise zakat management in Indonesia. This research uses a qualitative approach and a case study methodology to analyse the implementation of SIMBA at different levels of BAZNAS across Indonesia in order to provide a comprehensive picture of the use of SIMBA application in Indonesia.
MANAGEMENT SYSTEM IN CIVIL SERVANT CAREERS Maulana Muzaky; Syahran; Mukhaer Pakkanna
Jurnal Perilaku dan Strategi Bisnis Vol. 11 No. 1 (2023): Februari
Publisher : Universitas Mercu Buana Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26486/jpsb.v11i1.4234

Abstract

The formation of Civil Servant Career Path cannot be separated from intervention of political officials who take part in government bodies, the principle of neutrality of Civil Servants is at stake. Analysis of the Influence of the Merit System, Talent Scouting, and Talent Pool on Career Path of Civil Servants is the main objective of this research. To achieve the research objectives, the research object and population are all Civil Servants of the Government of Magelang Regency, Central Java, Indonesia, totaling 6627 civil servants. Sample determination is based on the provisions of Slovin Formula margin of error of 0.05 = 378 civil servants, using Random Sampling method. The data analysis technique uses Structural Equation Modeling (SEM). The research results show that Merit System has positive and significant effect on Career Path. Talent Scouting has positive and significant effect on career path. And Talent Pool has positive and significant effect on Career Path.
THE EFFECT OF ISLAMIC FINANCIAL LITERACY, SPIRITUAL INTELLIGENCE, AND BUSINESS ETHICS ON THE BEHAVIOR OF THE MILLENNIAL GENERATION WITH THE MEDIATING VARIABLE OF INTENTION TO USE ISLAMIC BANKING SERVICES IN DEPOK CITY Widhy Prasetyo; Mukhaer Pakkanna
Journal of Economic, Bussines and Accounting (COSTING) Vol. 7 No. 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.13065

Abstract

ABSTRACT Sharia banking is growing rapidly, no less than conventional banks. The Sharia Banking industry illustrates an increase even though the movement is slow. This research aims to analyze the influence of Sharia Financial Literacy, spiritual intelligence, and business ethics on the Intention to Use Sharia Banking Services while testing the mediating role of the intention variable. This research is explanatory research with a quantitative approach. The population used in this research is the millennial generation, namely the generation born in 1981-1996 (currently aged 28-43 years) who have used or are presently using Sharia Banks in Depok City, with a sample of 157 people. The analysis method used is SEM-PLS. The research results show that Sharia Financial Literacy, Spiritual Intelligence, and Business Ethics have a positive effect on Intention to Use Sharia Banking Services. Intention to Use acts as a mediating variable on the influence of Financial Literacy, spiritual intelligence, and business ethics on Sharia Banking Use Behavior
Sharia-Based Tourism Management in Improving Community Income in Teluk Bakau Village, Riau Islands Province Helianto; Pakkanna, Mukhaer; Aditya, Mochammad Yana; Widana, Gusti Oka; Amelia, Amie
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

Tourism plays an important role in regional economic growth. Sharia-based tourism is increasingly developing as a tourism model that prioritizes Islamic principles in service and destination management. This concept not only attracts Muslim tourists but also opens up economic opportunities for local communities. Teluk Bakau Village in Gunung Kijang District, Bintan Regency, has great potential in developing sharia-based maritime tourism with supporting natural resources and local wisdom. This study aims to analyze the management of sharia-based tourism in Teluk Bakau Village and its impact on local community income. A qualitative approach with a phenomenological method was used in this study. Data were collected through interviews with tourists and business actors in the tourist area. Data analysis was carried out using the data reduction method to see the relationship between sharia tourism and community income. The results of the study show that sharia-based tourism management has been implemented in several aspects, such as providing facilities in accordance with sharia principles such as Sharia principles in providing facilities include the existence of adequate places of worship, provision of halal food and drinks. However, obstacles are still encountered in promotion and supporting infrastructure. The implications of this research emphasize the importance of government support and cooperation between business actors and the community in developing sustainable sharia tourism that has a positive impact on the local economy.
Initiating a Modern Pesantren with Agribusiness Skills as an Effort to Prosper the Community Ciherang Village, Kec. Ciomas, Kab. Bogor, West Java Saihul; Pakkanna, Mukhaer
International Journal of Asian Business and Management Vol. 3 No. 1 (2024): February, 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijabm.v3i1.8271

Abstract

Islamic boarding schools are traditional Islamic educational institutions that exist only in Indonesia, have become an integral part of the culture of Islamic education in Indonesia and are synonymous with studying the yellow book away from the hustle and bustle of the business world. The purpose of this research is to determine the education process, design an education model in a modern Indonesian Agro Boarding School with agribusiness skills. This research also conducted a SWOT analysis to determine management strategies, as well as the internalization process. The object of research is a modern boarding school in West Java. The research method used qualitative analysis using SWOT analysis. Collective data is done by distributing questionnaires and indept interviews. Informants used as data sources are boarding school administrators. The results prove that the educational process in pesantren is grouped into two parts of learning religious knowledge and enterpreunership skills. The enterprenership education model is designed according to the talents of the students in the field of agribusiness with each accompanied by a tutor. Based on the results of the Swot analysis, the management strategy that can be applied is a growth strategy and strengthens the internalization of management. The implications of the research change the paradigm of the pesantern cottage as a place to create Islamic entrepreneurship and competitiveness
Analisis Key Performance Indicator (KPI) Dan Pengetahuan Produk Syariah Terhadap Kinerja Tenaga Penjualan Dengan Motivasi Kerja Sebagai Variabel Intervening Pada Bank Muamalat Indonesia (BMI) Chaerudin, Chaerudin; Pakkanna, Mukhaer
Journal of Education on Social Science (JESS) Vol 7 No 3 (2023): EDISI DESEMBER 2023
Publisher : Faculty of Social Science, Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jess.v7i3.540

Abstract

The growth of Islamic banking is influenced by various factor, including the performance of sales personnel in offering products. Selling skills should also be supported by a deep product knowledge product sharia. In addition, work motivation is an integral part of performance enhancement. The use of Key Performance Indicator (KPIs), Products Knowledge, and work motivation and their relationship with performance need to be measured to what extent these variables are interconnected. This research aims to analyze Key Performance Indicators and Sharia Product Knowledge on the performance sales personnel, with work motivation as an intervening at Bank Muamalat Indonesia. The background of the study is based on understanding how Key Performance Indicators and Knowledge Product Sharia owned by sales personnel can explain the relationship with performance, with work as mediation. This research is a quantitative study and utilizes a questionnaire distributed to sales force or marketing employees. Data collection was done by distributing the questionnaire through online media to the sales force. The data processing and analysis software used is SMARTPLS 3.0. The results of the direct effect variable test show that the Key Performance Indicator (X1) has a significant effect on Sales Force Performance (Z) at 0.192 with a t-statistic (2.444>1.96) or p-value (0.015<0.05). The effect of Key Performance Indicator (X1) on Work Motivation (Y) is a significant at 0.291 with a t-statistic (3.525>1.96) or p-value (0.000<0.05). The effect of Work Motivation (Y) on Sales Force Performance (Z) is significant at 0.366 with t-statistic (4.581>1.96) or p-value (0.000<0.05). The effect Knowledge Product sharia (X2) on Sales Force Performance (Z) is significant at 0.241 with a t-statistic (2.652>1.96) or p-value (0.008<0.05). The Effect of Knowledge Products Sharia (X2) on Work Motivation (Y) is significant at 0,453 with a t-statistic (5.542>1.96) or p-value (0.000<0.050). Meanwhile, for the indirect effect analysis, the indirect effect of Key Performance Indicator (X1) on Sales Force Performance (Z) through Work Motivation (Y) is 0.106 with p-value of 0.012 <0.05, which means that Work Motivation (Y) mediates the effect of Key Performance Indicator (X1) on Sales Force Performance (Z). The indirect effect of Knowledge Product Sharia (X2) on Sales Force Performance (Z) through Work Motivation (Y) is 0.166 with p-value of 0.001 <0.05, which means that Work Motivation (Y) mediates the effect Knowledge Product Sharia (X2) on Sales Force Performance (Z).
Efficiency analysis of productive waqf management at Jogokariyan Mosque Yogyakarta Jamagis, Alwaqiatul; Pakkanna, Mukhaer; Umam, Saiful
Indonesian Journal of Multidisciplinary Science Vol. 3 No. 4 (2024): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v3i4.797

Abstract

Waqf plays an important role in promoting the welfare of society, especially in overcoming poverty and social inequality in Indonesia, a Muslim-majority country. This study aims to analyze the production efficiency of productive waqf management by Nazir in Jogokariyan Mosque Yogyakarta and identify problems in the management. The research method uses a quantitative approach with Data Envelopment Analysis (DEA) and Banxia Frontier Analyst software. Primary data comes from the Jogokariyan Mosque's finances managed by Nazhir waqf. The results showed that DMU 1 (lodging) achieved 100% efficiency in 2017, 2018, and 2019. DMU 2 (rice fields) achieved 100% efficiency from 2017 to 2023. Efforts to improve the efficiency of DMU 1 involve successively reducing the input variables of employee salaries (10.42%, 14.30%) in 2020-2021, and employee salary costs and operating costs in 2022 (14.19%, 4.35%). However, revenue and profit outputs need to be improved (27.94%, 32.45%) in 2020, (26.27%, 30.70%) in 2021, and (25.71%, 30.45%) in 2022. DMU 2 does not require efficiency improvement as it reached 100% from 2017 to 2022.
Analisis Implementasi Manajemen Mutu Iso 9001:2015 Pada Kegiatan Pendayagunaan Di LAZ BMH Kalimantan Timur Rofiq, Muhamamad; Pakkana, Mukhaer
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10835

Abstract

This research has the purpose of analyzing the application of ISO 9001:2015 quality management principles to the Utilization division at LAZNAS Baitul Maal Hidayatullah (BMH) east Kalimantan. The method in this research is descriptive qualitative using primary data and supported by secondary data. Techniques for collecting data used in this study are interviews observations of leadership and management elements, program and utilization departments as customers in this case as beneficiaries, that it is supported by notes or documents institution. While the population includes the BMH network in 4 districts/cities in East Kalimantan. Based on the results of the study, it was found that 7 ( seven ) ISO principles had been applied in the East Kalimantan BMH program and utilization division, including customer focus, leadership, people involvement, process approach, improvement, evidence-based decision-making, and good relationship management. The problems found are the understanding of amil or employees that is not optimal and consistency in a recording. The benefits of this research are expected to provide input and feedback on the implementation of ISO 9001:2015 quality management at BMH East Kalimantan.
Co-Authors Abdul Aziz Abdul Rauf Chaerudin Aditya, Mochammad Yana Alfaruqy, Muhammad Ismail Ambardi Ambardi Amelia, Amie Amie Amelia Amrizal Amrizal Amrizal Amrizal Armein Sjuhary Rowi Asep Nurimam Munandar Bayu Purnama Putra Bramanta, Septian Damayanti Achmad Suroko Dani Kurniawan Emma Rachmawati Gohardi, Virgo Sulianto Helianto Iwan Setiadi Jamagis, Alwaqiatul Kurniawan, Deni Wahyudi Lalu Khaeril Anwar Lincolin Arsyad Maulana Muzaky Mochamad Iqbal Nurmansyah Muh. Akbar Muhamamad Rofiq Mujahid Quraisy Munandar, Asep Nurimam Mursalin, Supardi Musayyin Abdullah Nurjuman, Husnan Pitri Yandri Pratama, Rizki Riyanto, Dwi Rofiq, Muhamamad Saiful Umam Saihul Slamet Budiarto, Slamet Sutarman Sutarman Sutia Budi Syahran Syahrizul, Syahrizul Syamsu, Muhajir Tria Zarkasih Uki Masduki, Uki Umniyatun, Yuyun Vivin Andriani Widana, Gusti Oka Widhy Prasetyo Zarkasih, Tria