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All Journal Jurnal Ekonomi Syariah Teori dan Terapan
Muhamad Said Fathurrohman
Universitas Airlangga
Economics, Econometrics & Finance

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IMPACT OF ZAKAT ON MATERIAL AND SPIRITUAL WELFARE OF MUSTAHIK (CASE STUDY OF BAZNAS MICROFINANCE IN SAWOJAJAR VILLAGE) Muhammad Suffian Efendi; Muhamad Said Fathurrohman
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp686-695

Abstract

ABSTRAKPengukuran kesejahteraan menurut perspektif Islam tidak hanya pada sisi harta atau material. Namun juga sisi spiritual. Hal tersebut akan diterapkan pada mustahik penerima zakat produktif dalam penelitian ini. Penelitian ini bertujuan untuk menganalisis dampak program zakat produktif dari BAZNAS Microfinance Desa Sawojajar terhadap kesejahteraan mitra yang dilihat dari segi material dan segi spiritual. Metode penelitian yang digunakan yakni pendekatan kuantitatif dengan wawancara dan kuesioner. Sampel diambil menggunakan metode convenience sampling. CIBEST digunakan sebagai alat pengukuran dan analisis. Hasil menunjukkan adanya program zakat produktif dapat meningkatkan kesejahteraan dan menurunkan indeks kemiskinan material. Dengan atau tanpa adanya bantuan zakat, tidak terjadi perubahan signifikan terhadap tingkat spiritual mitra.Kata Kunci: Zakat produktif, Kesejahteraan, Indeks kemiskinan Islami. ABSTRACTMeasurement of welfare according to the Islamic perspective is not only on the property or material side. But also the spiritual side. This will be applied to productive zakat recipients in this study. This study aims to analyze the impact of the productive zakat program from BAZNAS Microfinance in Sawojajar Village on the welfare of partners from a material and spiritual perspective. The research method used is a quantitative approach with interviews and questionnaires. Samples were taken using convenience sampling method. CIBEST used as measurement and analysis tools. The results show that the productive zakat program can improving welfare and reducing the material poverty. With or without zakat assistance, there is no significant change in the spiritual level of partners.Keywords: Productive zakat, Welfare, Islamic poverty index.DAFTAR PUSTAKAAdiba, E. M., & Hijriah, H. Y. (2015). Fungsi pemerintah (Alokasi, distribusi, dan stabilisasi) Islam pada pemenuhan maqashid syariah untuk mewujudkan negara kesejahteraan. Proceedings Call For Paper, International Conference, and Ph.D. Colloquium on Islamic Economics and Finance, 118-133.Aedy, H. (2011). Teori dan aplikasi ekonomi pembangunan perspektif Islam. Yogyakarta: Graha Ilmu.Asnaini. (2008). Zakat produktif dalam perspektif hukum Islam. Yogyakarta: Pustaka Pelajar.Beik, I. S. (2010). Tiga dimensi zakat. Jakarta: Harian Republika.Beik, I. S., & Arsyianti, L. D. (2015). Construction of CIBEST model as measurement of poverty and welfare indices from Islamic perspective. Al-Iqtishad, 7(1), 87-104. DOI: 10.15408/aiq.v7i1.1361Beik, I. S., & Arsyianti, L. D. (2016). Measuring zakat impact on poverty and welfare using CIBEST model. Journal of Islamic Monetary Economics and Finance, 1(2), 141-160. DOI: https://doi.org/10.21098/jimf.v1i2.524Hafidhuddin, D., & Pramulya, R. (2008). Kaya karena berzakat. Jakarta: Penebar Swadaya.Huda, N., & Gofur, A. (2012). Analisis intensi muzakkî dalam membayar zakat profesi. Al-Iqtishad, 4(2), 217-240. DOI: 10.15408/aiq.v4i2.2547Pratama C. (2015). Pendayagunaan zakat produktif dalam mengurangi kemiskinan berdasarkan CIBEST model: Studi kasus PT Masyarakat Mandiri LAZ PM Al Bunyan. Skripsi tidak dipublikasikan. Bogor: Institut Pertanian Bogor.Widyaningsih, N. (2016, Januari 2016). Studi dampak zakat di Sulawesi Selatan dengan model CIBEST. Republika. Diambil dari https://republika.co.id/berita/koran/iqtishodia/o1n9sk2/studi-dampak-zakat-di-sulawesi-selatan-dengan-model-cibest.BPS Kota Malang. (2021). Profil Kemiskinan Kota Malang 2020. Diambil dari https://malangkota.bps.go.id/pressrelease/2021/01/04/255/profil-kemiskinan-kota-malang-2020.htmlQuran Surat An-Nahl Ayat 97 Arab, Latin, Terjemahan Arti Bahasa Indonesia. Diambil dari https://tafsirweb.com/4445-quran-surat-an-nahl-ayat-97.htmlBPK RI. (2011). Undang-undang (UU) tentang Pengelolaan zakat. Diambil dari https://peraturan.bpk.go.id/Home/Details/39267/uu-no-23-tahun-2011
The Impact of Awareness, Certification, and Quality of Halal Food on Consumer Purchase Intentions at Asia Kintan Buffet Restaurant Firman Muqiita Gallan Darmawan; Muhamad Said Fathurrohman
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 2 (2023): Maret-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20232pp177-187

Abstract

ABSTRACT This study aims to obtain empirical evidence regarding the effect of halal certification, halal awareness, and food quality on purchase intention. This study uses a quantitative approach with a questionnaire. The population of the research was UNAIR students for the 2020 academic year with a sample of 376. This study used a linear regression analysis technique using the SPSS application. The results of this study indicate that all three variables have a positive effect on purchase intention. Keywords: Halal Certification, Halal Awareness, Food Quality, Purchase Intention.   ABSTRAK Penelitian ini bertujuan untuk memperoleh bukti empiris mengenai pengaruh sertifikasi halal, kesadaran halal, dan kualitas makanan terhadap niat pembelian konsumen. Penelitian ini menggunakan pendekatan kuantitatif dengan kuesioner. Populasi dari penelitian adalah mahasiswa UNAIR tahun ajar 2020 dengan sampel sebanyak 376. Penelitian ini menggunakan teknik analisis regresi linier dengan menggunakan aplikasi SPSS. Hasil dari penelitian ini menunjukkan bahwa dari tiga variabel semua berpengaruh positif terhadap niat pembelian konsumen n. Kata Kunci: Sertifikasi Halal, Kesadaran Halal, Kualitas Makanan, Purchase Intention.
Corporate Actions and Islamic Bank Performance: A Generalized Synthetic Control Evidence from Bank Muamalat Indonesia Fadlha, Sulthan Arief; Fathurrohman, Muhamad Said
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 2 (2025): Mei-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20252pp141-158

Abstract

This study aims to evaluate the impact of corporate actions implemented by Bank Muamalat Indonesia (BMI) in 2018 on aspects of profitability, capital adequacy, and financing quality, compared to other Islamic banks. The method used is Generalized Synthetic Control (GSC), which allows comparison between BMI that performs corporate actions and Islamic banks that do not. The data analyzed includes Net-Operating Margin (NOM), Return On Asset (ROA), and Net Income (NI) ratios to measure profitability, Capital Adequacy Ratio (CAR) for capital adequacy, and Non-Performing Financing (NPF) for financing quality, with a sample of 8 Islamic banks. The results show that there is a significant positive effect of corporate action of asset sales on NPF in a certain period, while CAR is not significantly affected by corporate action rights issues. For profitability ratios, only the NI ratio showed a significant negative effect, while ROA and NOM were not significantly affected, although both experienced a decline after the corporate action. These findings suggest that the impact of corporate actions varies depending on the conditions of each bank, and can be used by management to plan appropriate corporate action policies in corporate strategy.
Does Islamic Financing Drive Economic Growth? Evidence from Indonesia Laiya, Sukrin; Muhamad Said Fathurrohman
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 11 No. 3 (2024): Agustus-2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol11iss20243pp272-285

Abstract

This study aims to determine the role of Islamic banking in supporting Indonesia's economic growth. Islamic banking is represented by Islamic financing variables, while economic growth is represented by gross domestic product. In addition, this study uses three control variables, namely inflation, investment, and trade ratio. The data used in this study are quarterly data from the period 2010Q1 to 2022Q4, and the method used is the Vector Error Correction Model (VECM). The findings of this study are that in the short term and long term, Islamic financing does not significantly affect GDP. This is because the type of financing provided by Islamic banks is more consumptive than productive. Meanwhile, inflation and trade ratio have a negative and significant effect on GDP in the long run.  Meanwhile, investment has a positive and significant effect on GDP in the long run.
Internal Bank Factors and Financing Distribution: Evidence from Islamic Commercial Banks Widyasari, Rieke Meinar; Fathurrohman, Muhamad Said
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 3 (2025): Agustus-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20253pp316-325

Abstract

This study aims to analyze the effect of BOPO, CAR, NOM, and DPK on the distribution of financing in Islamic commercial banks in 2014: Q1 - 2024: Q3. The method used in this research is quantitative research method with panel regression analysis technique. The sampling technique used purposive sampling and obtained 10 Islamic banks as samples. By using data sources from quarterly financial reports on each bank's website and publications on the OJK website. Partial research results in this study indicate that BOPO, CAR, and NOM have a significant and negative influence on financing distribution. Meanwhile, DPK has a significant and positive influence on the distribution of financing. The implication of this research is that Islamic banking should optimize operational efficiency, productive asset management, and liquidity management, and that regulators should determine and evaluate related policies to encourage financing distribution.
Co-Authors Fadlha, Sulthan Arief Firman Muqiita Gallan Darmawan Laiya, Sukrin Muhammad Suffian Efendi Widyasari, Rieke Meinar