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Pengaruh model rekrutment karyawan badan wakaf pada kinerja pengelolaan aset umat (Studi kasus Badan Wakaf Indonesia) Arie Rachmat Soenjoto; Adib . Susilo; Mufti . Afif
Al Tijarah Vol. 4 No. 2 (2018): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v4i2.2826

Penelitian ini ditujukan untuk mengidentifikasi proses rekrutmen karyawan Badan Wakaf Indonesia (BWI) Pusat Jakarta. Diharapkan dari hasil temuan ini dapat dijadikan bahan rujukan bagi lembaga-lembaga wakaf secara khusus mengenai strategi rekutmen karyawan atau anggota pengelolanya, sehingga bermanfaat bagi organisasi-organisasi pengelola wakaf yang baru berdiri di daerah-daerah pelosok provinsi. Asset wakaf dapat terus berkembang dan nantinya dapat dimanfaatkan secara berkelanjutan. Dengan mengidentifikasi model rekrutmen ini, hasil penelitian ini sangat penting karena akhir-akhir ini banyak kajian tentang keuangan Islam khususnya lembaga wakaf dan pengelolaannya yang dilakukan oleh sekelompok masyarakat yang secara praktik di lapangan belum optimal dalam mengelola serta memanfaatkannya. Dalam mencapai tujuan yang dimaksud, penulis menggunakan pendekatan metode kualitatif deskriptif melalui wawancara sebagai cara untuk memperoleh data model rekrutmen. Kemudian menggukan metode kuantitatif dalam rangka menemukan hasil pengaruh rekrutmen terhadap kinerja karyawan BWI sebagai sumber daya insani yang mengelola asset umat. Hasil penelitian ini menunjukkan bahwa model rekrutmen pada BWI Pusat telah tertuang dalam UU Perwakafan tahun 2010 tentang penerimaan dan pemberhentian anggota badan wakaf dengan tambahan menguasai hukum, ilmu perwakafan dan tata kelola keuangan maupun investasi. Adapun faktor yang dianggap paling mempengaruhi kinerja karyawan di BWI adalah faktor kepribadian.

Analisis keunggulan dan peran sistem ekonomi Islam dalam menciptakan kesejahteraan masyarakat di tengah New NormalCOVID-19 Mufti Afif; Richa Angkita
Al Tijarah Vol. 6 No. 3 (2020): Special Issue Seminar Nasional Manajemen & MADIC 6, 2020
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v6i3.6328

Wabah covid-19 sudah sangat dikenal oleh masyarakat dunia termasuk Indonesia yang akhirnya menerapkan kebijakan lockdowndan PSBB sejak bulan April 2020.Yang kemudian kebijakan PSBB dilonggarkan namun diperketat kembali saat serangan wabah menunjukkan reaktif menyerang Ibu Kota. Bila ditinjau dari aspek ekonomi, wabah covid merupakan ujian terbesar bagi tiga sistem ekonomi; kapitalis, sosialis dan Islam, yang mana ketiganya menghadapi masalah yang sama terkait dengan dengan penurunan tingkat produksi dan konsumsi. Bukan semata-mata hanya alasan PSBB, tapi juga alasan kesehatan yang harus diutamakansehingga aktiftias produksi dan konsumsi secara parsial maupun bersamaan dituntut terbatas. Artinya, wabah covid-19 menghambat laju perekonomian seluruh negara di dunia. Namun demikian, lain sistem ekonomi yang diterapkan lain pula hasil capaiannya. Karya ini ditujukan untuk mendiskripsikan keunggulandan peran sistem ekonomi Islam dalam menciptakan pemerataan kesejahteraan ekonomi yang mana pengambil kebijakan dibingungkan antara memilih peningkatan ekonomi atau mengutamakan keselamatan dankesehatan. Metode yang digunakan adalah metode kualitatif deskriptif pendekatan literatur baik berupa teori dan hasil empiris. Disimpulkan bahwa sistem ekonomi Islam dengan prinsip-prinsip yang mendasarinya mampu menguatkan ekonomi kelompok masyarakat menengah ke bawah untuk tetapmelakukan kegiatannya. Dengan prinsip ketauhidan, kepemilikan harta, penciptaan kepentingan umum, hak kebebasan dan larangan kedhaliman, maka sistem ekonomi Islam dapat menghadapi masalah perekonomian secara global dan tetap mencapai tingkat sejahtera. Karena sistem Islam menjamin pemerataan kekayaan melalui derma; zakat, infak, sedekah dan wakaf, untuk membantu sesama dalam mengatasi masalah ekonominya.

The Influence of Service Quality towards Customer Satisfaction on Garuda Airline of Yogyakarta International Airport on Pandemic covid-19 Adib Susilo; Muhammad Kurnia Rahman Abadi; Abdullah Sahroni; Mufti Afif
Al Tijarah Vol. 8 No. 1 (2022): Al Tijarah | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v8i1.7374

This research aimed to investigate the service quality provided by Garuda Indonesia Airlines at Jogjakarta international Airport on customer satisfaction. 200 questionnaire was deployed which return and able to analyze about 142 questionnaire. Multiple Regression analysis employed to analyze the relationship between service quality dimension (tangible, reliability, responsiveness, and assurance) and customer satisfaction. The result shows that simultaneously all independents variable has a positive impact on dependent variable. Meanwhile, partially tangible and reliability has positive significant influence on customer satisfaction while responsiveness and assurance is insignificant to customer satisfaction. The R2 shows that 0.487 means 48.7% of dependent variable was explained and influenced by independent variables while the rest of it about 51.3% was influenced by another variable that not included in this research.

BUSINESS STRATEGY OF MUSLIM FAMILY BUSINESSES DURING PANDEMIC COVID-19 SHEEMA HASEENA ARMINA; MUFTI AFIF; MUHAMMAD AGUS SETIAWAN
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023): Januari - Juni 2023
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v8i1.754

The pandemic covid-19 engulfed the entire world and influenced all business especially in Micro, Small and Medium Enterprise. This clarification leaves a business strategy issue that needs to be a question whether any changes or standstill. This study aims to analyze business strategy of a family business that sells typical food in a region namely sate Ayam Setono village Ponorogo. The using method is qualitative with case study exploratory approach by observation, interview and documentation. This study found that the business strategy has not changed much in this food family business during pandemic covid-19. The fear and anxiety that most people feel about sophistication of the governmentâ€™s pandemic policy has an effect on the overall operation of the company, just digitization does not match sellerâ€™s capabilities while simultaneously attempting to preserve the qualities of this business. Attempts to change this strategy digitally have previously been made, but little has changed, so not every business impacted by covid-19 will adapt its business strategy online, because the Setono Ponorogo chicken satay company is one way of maintaining its features directly in society knowledge.

The Determinants of the Net Asset Value of Sharia Mutual Funds in Indonesia Miftahul Huda; Mufti Afif; Meichio Lesmana; Zuhria Febriana Putri
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

Purpose - Determine an influence on the determinants of NAV (Net Asset Value) of Islamic mutual funds for the 2017-2021 period in IndonesiaDesign/methodology/approach -. The study uses a quantitative methodology. The data used are secondary data as time series. The data analytics technique uses the Vector Auto Regression (VAR) model and the Vector Error Correction (VECM) model. Data treatment using Eviews 10 and Microsoft Excel 2019.Findings - The results show that the variables significantly affect the net asset value of Islamic mutual funds. All variables have a negative effect, except BI7DRR that has a positive short-term effect. Simultaneously, all variables had no significant effect on the net asset value of Islamic mutual funds. The NAV reacted positively to the shocks of inflation, money supply, BI7DRR and ISSI, whereas the exchange rate reacted negatively. The most significant contribution to the net asset value of sharia mutual funds is itself. While the lowest contribution is the monetary supply and the ISSI.Research Limitations/Implications - The qualitative methods used have limitations that can be enhanced by combining other methods. for the data obtained, macroeconomic data and net asset value of Sharia Mutual Funds in Indonesia. Therefore, the results may only be applicable in Indonesia.Practical implications - Practitioners are advised to tend to look at the condition of BI7DRR which is determined by its policy through Bank Indonesia (BI) as a reference for consideration in making decisions to invest.Social implications - This research is expected to provide benefits to academics as a review of the sciences related to this research and can develop it.Originality/Value – To our knowledge, the period considered by the researcher is the last five periods, from 2017 to 2021. The search method used is VAR/ VECM which is used to measure and analyze the short-term and long-term influence of the variables.

The Analysis of Franchise Fee and Royalty Fee Systems in the Business of Nyoklat Klasik™ Based on al-Mu‘amalah al-Maliyah Perspective Mufti Afif; Asifah Itsna Rosidah; Nur Hidayah Al Amin; Ahmad Suminto
Journal of Finance and Islamic Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i2.4939

This study aims to determine the franchise and royalty fees implementation system in the Nyoklat KlasikTM Tulungagung. This study employed qualitative research, specifically field research. Data collection is maintained by using interviews, observation, and documentation. this study uses the descriptive-qualitative analysis method, which describes the implementation of the Franchise Fee and Royalty Fee Systems on Nyoklat KlasikTM, then analysis it from the point of view al-mu’amalah al-maliyah. The result is that the franchise fee payment is not paid fully but will be paid 50% after signing the contract, and the rest is paid before shipping the goods. The chosen place must follow the standards that are set by the franchisor. The royalty fee charged by the franchisor to the franchisee is about $1-3 million per year. The franchisor provides repeat order prices of 45%–50% of the regular price. From the al-mu’amalah al-maliyah perspective, the franchise fee and royalty fee systems of Nyoklat KlasikTM are appropriate with the basic principles of al-mu’amalah al-maliyah, that is: a principle of tauhid; prohibition of riba; prohibition of gharar and maisyir; prompts to trade and share benefits and risks; no time value of money concept; funding is based on tangible assets; compliance agreement.

Analysis of Zakat Management with Institutional Isomorphic Theorizing Approach Mufti Afif; Ahmad Agus Hidayat; Ahmad Suminto; Taufiqul Alvin Abidin; Fahmi Akhyar Al Farabi
Journal of Islamic Economics and Finance Studies Vol 4 No 2 (2023): JIEFeS, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i2.6333

The potential of zakat in East Java is significant, reaching Rp547.4 billion. However, the collection results of ZIS by Baznas of East Java, both collected by Baznas at the provincial level and in districts/cities in East Java in 2021, only reached Rp122 billion. This means that only about 25 percent of ZIS potential could be collected. The objective of this study is to investigate how zakat institution applies institutional isomorphic theory to governance and administration. The research was conducted in Laznas Yatim Mandiri Ponorogo that employed in-depth interviews, observations, and documentation. Meanwhile, data sources were drawn from various references including journals, books, and other articles. The findings of the study demonstrate that the Laznas Yatim Mandiri in Ponorogo, Indonesia has managed in a coercive manner, within compliance with the shariah law and the 1945 Constitution. Through mimetic features, the Laznas Yatim Mandiri's administration has embraced many of the governance practices of other charitable institutions, particularly in the areas of information collecting, distribution, and transparency. In addition, the administration of the Laznas Yatim Mandiri through the normative aspect has served its purpose as an institution that adheres to the principles of good corporate governance, which include transparency, accountability, responsibility, independence, fairness, and equality. Potensi zakat di Jawa Timur cukup besar yakni mencapai Rp547,4 miliar. Namun hasil penghimpunan ZIS yang dilakukan Baznas Jatim, baik yang dihimpun Baznas tingkat provinsi maupun kabupaten/kota di Jatim pada tahun 2021, hanya mencapai Rp122 miliar. Artinya, potensi ZIS yang bisa dihimpun baru sekitar 25 persen. Tujuan dari penelitian ini adalah untuk menyelidiki bagaimana lembaga zakat menerapkan teori isomorfik kelembagaan dalam tata kelola dan administrasi. Penelitian dilakukan di Laznas Yatim Mandiri Ponorogo dengan menggunakan wawancara mendalam, observasi, dan dokumentasi. Sedangkan sumber data diambil dari berbagai referensi antara lain jurnal, buku, dan artikel lainnya. Temuan penelitian menunjukkan bahwa Lembaga Zakat Yatim Mandiri di Ponorogo, Indonesia telah melakukan pengelolaan secara korosif, sesuai dengan hukum syariah dan UUD 1945. Melalui ciri-ciri mimesis, penyelenggaraan Lembaga Zakat Yatim Mandiri telah banyak mengadopsi praktik tata kelola lembaga amal lainnya, khususnya di bidang pengumpulan, distribusi, dan transparansi informasi. Selain itu, penyelenggaraan Lembaga Zakat Yatim Mandiri melalui aspek normatif telah mencapai tujuannya sebagai lembaga yang berpegang teguh pada prinsip-prinsip tata kelola perusahaan yang baik yang meliputi transparansi, akuntabilitas, tanggung jawab, independensi, kewajaran, dan kesetaraan.

Peningkatan Literasi Fikih Muamalah Maaliyah Pedagang Pasar Subuh Dadung, Mantingan: Upaya Mencegah Dosa Maisir, Gharar, Riba, dan Tadlis Afif, Mufti
Khadimul Ummah Vol. 3 No. 2 (2020): MEI 2020
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/ku.v3i2.3996

MAGRIBS adalah sederatan perilaku curang dan merugikan dalam perekonomian Islam. Ia adala Maisir (spekulasi/ judi), Gharar (samar/ tipu daya), Riba (pinjaman berbunga), dan Tadlis (curang) sudah disepakati oleh ulama dunia sebagai perbuatan dosa besar dan merupakan penganiayaan terhadap pihak lain lewat transaksi muamalah. Meskipun demikian, masih saja di antara pedagang mempraktikkannya demi meraup keuntungan semata. Pasar subuh di Dusun Dadung pedagangnya masih didominasi oleh warga setempat yang tinggal di sekitar Masjid An-Nur dan Pondok Pesantren Gontor Putri 1 dan 2. Mereka berjualan dalam rangka memenuhi kebutuhan musafir yang singgah di Masjid An-Nur dan para wali santri yang sedang menjenguk putri-putrinya yang sedang mengenyam pendidikan di pesantren. Namun ironinya modal usaha pedagang pasar subuh ini masih bergantung pada pinjaman para rentenir yang kerap kali datang setiap pagi jam 06.00 wib – 07.00 wib dengan membebani bunga hutang. Sehingga dianggap penting melepaskan masalah masyarakat pedagang ini supaya terbebas dari transaksi ribawi dan kembali memanfaatkan pembiayaan melalui BMT Masjid An-Nur yang diberi nama BMT Forsimal. Tujuan program adalah meningkatkan literasi fikih muamalah maaliyah, yang disosialisasikan setiap hari selasa pagi kepada paguyuban pedagang subuh dengan metode lain yaitu praktik transaksi, dengan harapan luaran masyarakat pedagang bebas dari jeratan rentenir, buku modeul pembelajaran, karya ilmiah dan HKI cipta karya intelektual. Meskipun sosialisasi masih berjalan intensif hingga kini, hasil pemahaman masyarakat pedagang sudah semakin menunjukkan hasil positif dan bisa menjelaskan jenis transaksi dalam fikih muamalah maaliyah.

Analysis of Issues, Potential, and Future Development Direction of Retail Cash Waqf-Linked Sukuk Umam, Khoirul; Muzaki, Rofi; Afif, Mufti; Nurfattah, Arizqiya
Journal of International Conference Proceedings Vol 7, No 3 (2024): 2024 Global Waqf Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v7i3.3726

Hence, the objective of this study is to analyze the potential and challenges surrounding the development of Retail CWLS in order to ascertain a favorable direction for its sustained growth. This study examines the challenges encountered in the development of Retail CWLS products. These include a decline in wakif interest for money waqf in Retail CWLS which occurred during the Covid-19 pandemic outbreak, the government has not been consistent in determining Retail CWLS yield coupons, the risk of loss in the form of loss of waqf assets, low literacy regarding Retail CWLS among The Younger Generation in Indonesia. The potential CWLS in the form of high interest among generation X and Millennial people, the maximum collection of Retail CWLS funding, Retail CWLS is an opportunity for economic recovery after the Covid-19 pandemic, clearly the benefits, nazir certified, professional, safe and risk-free, as well as being a forum for the community to waqf money and play an important role in sustainable economic growth to support national food security. Retail Sukuk in Indonesia have been issued for the fifth time in order to strengthen the domestic economy. However, interest in retail sukuk is decreasing, especially among The Younger Generation. For future researchers, the next research should examine Retail CWLS from the perspective of investment actors and the reasons why there is minimal interest from The Younger Generation

The Determinants of the Net Asset Value of Sharia Mutual Funds in Indonesia Miftahul Huda; Mufti Afif; Meichio Lesmana; Zuhria Febriana Putri
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

Purpose - Determine an influence on the determinants of NAV (Net Asset Value) of Islamic mutual funds for the 2017-2021 period in IndonesiaDesign/methodology/approach -. The study uses a quantitative methodology. The data used are secondary data as time series. The data analytics technique uses the Vector Auto Regression (VAR) model and the Vector Error Correction (VECM) model. Data treatment using Eviews 10 and Microsoft Excel 2019.Findings - The results show that the variables significantly affect the net asset value of Islamic mutual funds. All variables have a negative effect, except BI7DRR that has a positive short-term effect. Simultaneously, all variables had no significant effect on the net asset value of Islamic mutual funds. The NAV reacted positively to the shocks of inflation, money supply, BI7DRR and ISSI, whereas the exchange rate reacted negatively. The most significant contribution to the net asset value of sharia mutual funds is itself. While the lowest contribution is the monetary supply and the ISSI.Research Limitations/Implications - The qualitative methods used have limitations that can be enhanced by combining other methods. for the data obtained, macroeconomic data and net asset value of Sharia Mutual Funds in Indonesia. Therefore, the results may only be applicable in Indonesia.Practical implications - Practitioners are advised to tend to look at the condition of BI7DRR which is determined by its policy through Bank Indonesia (BI) as a reference for consideration in making decisions to invest.Social implications - This research is expected to provide benefits to academics as a review of the sciences related to this research and can develop it.Originality/Value – To our knowledge, the period considered by the researcher is the last five periods, from 2017 to 2021. The search method used is VAR/ VECM which is used to measure and analyze the short-term and long-term influence of the variables.

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