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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI JUMLAH PENDUDUK MISKIN DI PROVINSI JAWA TIMUR TAHUN 2011-2018 DALAM TINJAUAN EKONOMI ISLAM Hakim, Arif Luqman
Falah: Jurnal Ekonomi Syariah Vol 4, No 2 (2019): Vol 4, No 2 Agustus 2019
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v4i2.11325

East Java is one of the potential provinces on the island of Java consisting of 29 districts and 9 cities. East Java is also a densely populated island, but as the population grows, so does the standard of living that must be fulfilled by the government. If this cannot be fulfilled, poverty will occur. So we need the other factors that can reduce the rate of poverty. The aims of this study is to determine the effect of the Human Development Index (HDI), Growt Rate Domestic Product (GDRP), and unemployment rates on the rate of poverty in the province of East Java in 2011 to 2018. The estimation results of the Data Panel model using Eviews 9 and Microsoft Excel 2007 software. It is known that the HDI, GRDP, and unemployment rates in 2011 to 2018 were able to reduce the number of poor people that occurred in the province of East Java. Besides variable of GRDP, variable of HDI in this study also played a major role in reducing the number of poor people. So in this case the role of the government is needed to improve the HDI in order to reduce the number of poor people in the province of East Java. Because HDI is one factor that in line with Islamic efforts in alleviating poverty.

Analisis Faktor-Faktor yang Mempengaruhi Jumlah Penduduk Miskin di Provinsi Jawa Timur Tahun 2011-2018 dalam Tinjauan Ekonomi Islam Arif Luqman Hakim
Falah: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2019): Agustus 2019
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v4i2.11325

East Java is one of the potential provinces on the island of Java consisting of 29 districts and 9 cities. East Java is also a densely populated island, but as the population grows, so does the standard of living that must be fulfilled by the government. If this cannot be fulfilled, poverty will occur. So we need the other factors that can reduce the rate of poverty. The aims of this study is to determine the effect of the Human Development Index (HDI), Growt Rate Domestic Product (GDRP), and unemployment rates on the rate of poverty in the province of East Java in 2011 to 2018. The estimation results of the Data Panel model using Eviews 9 and Microsoft Excel 2007 software. It is known that the HDI, GRDP, and unemployment rates in 2011 to 2018 were able to reduce the number of poor people that occurred in the province of East Java. Besides variable of GRDP, variable of HDI in this study also played a major role in reducing the number of poor people. So in this case the role of the government is needed to improve the HDI in order to reduce the number of poor people in the province of East Java. Because HDI is one factor that in line with Islamic efforts in alleviating poverty.

PENDAMPINGAN LATIHAN LITERASI TAHSIN AL-QUR’AN BAGI ANAK-ANAK DI RUMAH TAHFIDZ BAYT AL-QUR’AN BLIMBING LAMONGAN Arif Luqman Hakim
Bulletin of Community Service and Development Vol. 2 No. 1 (2021): DECEMBER
Publisher : Lembaga Pengkajian dan Pengembangan Masyarakat, Yayasan Cahaya Mulia Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (938.598 KB)

Purpose of the study: The purpose of this activity is to increase the understanding of tahsin al-Qur’an literacy of Bayt Al-Qur’an students in Blimbing, Lamongan. Methodology: The method used is mentoring which includes socialization, training, practice, monitoring, and evaluation. Main Findings: The students at Bayt Al-Qur'an don’tt fully have an understanding yet of Al-Qur'an Tahsin Literacy, with this training there is an increase in the understanding of al-qur'an literacy in students. Applications of this study: This service is useful for the students of Bayt Al-Qur'an to improve understanding of literacy in tahsin al-Qur'an. Novelty/Originality of this study: By using socialization, training, practice, monitoring, and evaluation of tahsin al-Qur'an literacy training, it increases students' understanding of tahsin al-Qur'an.

The Role of Zakat, Infak and Shadaqah In Mitigating the Impact of Covid-19 Pandemic on Orphans In Indonesia Rahmad Hakim; Arif Luqman Hakim
Iqtishodia: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2022): September
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v7i2.852

This study aims to conduct an in-depth analysis of the role of Zakat, Infaq and Alms in Mitigating the Impact of the Covid-19 Pandemic specifically on Orphans in Indonesia. This type of research was qualitative with a case study approach. Interviews, observations and documentation were used as data collection techniques. Meanwhile, data analysis uses data content analysis. This research found that there was significant role of Zakat, Infaq and Almsgiving in Mitigating the Impact of the Covid-19 Pandemic specifically on orphans in Indonesia. The strategy carried out by the Malang City BAZNAS in distribution the scholarship was that the funds disbursed come from the State Civil Apparatus (ASN) infaq funds with 15% salary deductions for three months in 2021 to donate for the recipients of assistance scholarships due to the impact of covid-19 which was approximately 200 recipients of scholarship assistance due to the impact of covid-19. The contribution of this research was to provide a concrete picture regarding the role of Zakat, infaq and alms in realizing the concrete efforts of the Islamic philanthropy system in overcoming the impact of the Covid-19 pandemic in Indonesia.

The right to choose (Khiyar) innovation for contemporary transaction in e-commerce marketplace Windiana Lorien; Rahmad Hakim; Arif Luqman Hakim
al-Uqud : Journal of Islamic Economics Vol. 6 No. 2 (2022): July
Publisher : Universitas Negeri Surabaya

This study aims to analyze and compare the implementation of khiyar in online transactions at Shopee, Tokopedia, and Bukalapak. This type of research is a comparative study with a qualitative approach in comparing the implementation of khiyar at Shopee, Tokopedia and Bukalapak. This study uses primary data sources and secondary data sources, with data collection techniques in the form interviews and documentation. Data analysis in this study uses data analysis model of Miles, Huberman and Saldana. The results found that There are similarities transaction procedure that applies in the three marketplaces which are two types of khiyar applied, namely khiyar 'aib and khiyar ru'yah. Based on experienced transaction process carried out by sellers at Shopee, Tokopedia and Bukalapak, it was known that there are four sellers who both apply khiyar 'aib, while the application of khiyar aib was only applied by buyer at Tokopedia. On the other hand, khiyar ru'yah was not applied by buyers at Bukalapak but it was only applied by one buyer at Shopee and Tokopedia.

Pengukuran Kinerja Reksa Dana Syariah Berbasis pada Risiko dan Tingkat Pengembalian Khoiriyah Trianti; Yulis Nurul Aini; Arif Luqman Hakim; Afifah Nur Millatina; Ludfi Djajanto
Jurnal Reviu Akuntansi dan Keuangan Vol. 12 No. 2: Jurnal Reviu Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Malang

This study aims to determine the performance of Sharia Mutual Funds which is very useful for investors in making investment decisions in Sharia Mutual Funds. This research focuses on Fixed Income Sharia Mutual Funds. The research data were obtained from secondary published by the Indonesia Stock Exchange and Bareksa in the form of a report on Net Asset Value and the Rate of Return for the period 2018-2020. The data is analyzed using a risk and rate of return approach which aims to determine the performance of Fixed Income Sharia Mutual Funds. The results reveal that the performance of Fixed Income Sharia Mutual Funds with a risk approach, namely the least risky Fixed Income Sharia Mutual Funds in 2020. By using the rate of return approach, the findings shed a light on the highest Fixed Income Sharia Mutual Funds performance in 2019. Thus, it can be concluded that the performance of Fixed Income Sharia Mutual Funds based on a risk and return approach has a low risk and positive performance.

PENDAMPINGAN PERENCANAAN KEUANGAN KELUARGA (SAKINAH FINANCE) DI NASYIATUL AISYIYAH KOTA MALANG Arif Luqman Hakim; Afifah Nur Millatina
RESONA : Jurnal Ilmiah Pengabdian Masyarakat Vol 7, No 1 (2023)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/resona.v7i1.1428

Pandemi Covid-19 memberikan banyak pelajaran bagi masyarakat, dari sisi kesehatan hingga ke ekonominya. Pengalaman dari pandemi mengharuskan kita untuk cepat beradaptasi dalam segala aktivitas, yang awalnya secara offline saat ini lebih terbiasa dengan online. Tidak hanya itu, dari sisi ekonomi juga sangat memberikan pengaruh yang sangat besar. Banyak masyarakat yang belum dan awam dalam mempersiapkan perencanaan keuangan, terlihat di saat pandemi banyak pengeluaran yang dibutuhkan, selain itu ada pembatasan aktivitas untuk bekerja atau berjualan yang berdampak pada berkurangnya pendapatan. Pengusul berencana mengadakan program pendampingan perencanaan keuangan keluarga di Nasyiatul Aisyiyah Kota Malang. Solusi yang bisa diberikan: (a) Penyuluhan tentang pentingnya mengatur perencanaan keuangan keluarga (sakinah finance) pada keluarga (b) Pembuatan perencanaan keuangan untuk keluarga. (c) Pendampingan terhadap mitra dalam pengisian buku perencanaan keuangan untuk keluarga. Metode yang akan digunakan; (1) Penyuluhan terhadap pengurus dan anggota Nasyiatul Aisyiyah Kota Malang, (2) Focus Group Discussion, (3) Pendampingan. Tujuan dari pengabdian ini adalah pada generasi muda dan bagi yang belum atau yang sudah berkeluarga di Nasyiatul Aisyiyah agar lebih mengenal rencana keuangan, karena dengan menambah wawasan mengenai rancangan keuangan akan jadi berkompeten ketika mengelola keuangan di dalam keluarga.Â Abstract. Â The Covid-19 pandemic provides many lessons for society, from the health side to the economy. Experience from the pandemic requires us to adapt quickly in all activities, which were initially offline but are now more accustomed to online. Not only that, from an economic point of view it also has a very large influence. Many people are unfamiliar with preparing financial planning, it can be seen that during a pandemic a lot of expenses were needed, apart from that there were restrictions on activities for working or selling which had an impact on reduced income. The proposer plans to hold a family financial planning assistance program at Nasyiatul Aisyiyah Malang City. Solutions that can be given: (a) Counseling about the importance of managing family financial planning (sakinah finance) for families (b) Making financial planning for families. (c) Assistance to partners in completing a financial planning book for families. The method to be used; (1) Counseling for management and members of Nasyiatul Aisyiyah Malang City, (2) Focus Group Discussion, (3) Assistance. The purpose of this service is for the younger generation and for those who are not yet married in Nasyiatul Aisyiyah to become more familiar with financial plans, because by adding insight into financial planning they will become competent when managing finances in the family.

The Concept of Musyarakah in Surah Al Kahfi verse 79 Arif Luqman Hakim; Ahmad Syifa'ul Abror
Iqtishodia: Jurnal Ekonomi Syariah Vol. 8 No. 1 (2023): March
Publisher : Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v8i1.951

In social muamalah, especially in terms of transactions, there are contracts included in it, including sale and purchase contracts and capital. the concept of capital contracts in Islam is known to be two things, namely mudharabah and musyarakah. In the context of the dynamics of today's society, it is musyarakah that is often used rather than mudharabah in the scope of business and property ownership. In the Qur'an itself, there are three verses that explain about musyarakah, including; the 12th verse in Surah an-Nisa', the 38th verse in Surah ash-Shad, and the 79th verse in Surah al-Kahf. This research tries to discuss more deeply the concept of musyarakah contained in Surah Al-Kahf verse 79 and compares it with the hadiths and opinions of the madzhab imams. This research uses the method of literature (library research). Then the conclusion is obtained, namely that the 79th verse in Surah al-Kahf explains the concept of musyarakah, namely there is the concept of ownership of property owned by several people using the Shirkah Amlak Jabar/Ijbari contract. The contract is a joint ownership contract, whether the contract is consented to or not. In this case, it is joint ownership that occurs from the cause of inheritance.

Strategy For Collection and Distribution of Infaq Shodaqoh Zakat Funds At Amil Zakat Institution (LAZ) Sahabat Mustahiq Malang Branch Nabilah, Diananda Hanan; Hakim, Rahmad; Hakim, Arif Luqman; Fanani, Ahmad
Perisai : Islamic Banking and Finance Journal Vol 7 No 1 (2023): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i1.1612

The strategy for collecting and distributing zakat, infaq, and shodaqoh funds is important and implemented properly. Especially in areas such as Malang Raya which has the highest number of muzakki in East Java. The purpose of this study is to conduct an in-depth analysis of the strategy for collecting and distributing zakat, infaq, and shodaqoh funds (ZIS) at the Amil Zakat Institute (LAZ) Sahabat Mustahiq Malang. This research is a qualitative research with a case study approach. Data collection techniques in this study were observation, interviews, and documentation. Data analysis techniques used in this study are data collection, data condensation, data presentation, and drawing conclusions. The results of the study indicate that there are two kinds of strategies in raising funds, namely direct and indirect. Direct is a strategy that is carried out directly between amil zakat institutions and muzakki or donors. Direct activities in the form of direct mail via whatsapp, direct meetings with potential muzakki, zakat outlets and portfolios. The indirect strategy is a strategy that is carried out indirectly between amil zakat institutions and muzakki or donors. Indirect activities are in the form of collaborating with other LAZ institutions, agencies or institutions, activating social media, magazines, websites, digital platforms and through Friends of Inspirational Action (SAINS) volunteers. In the strategy for distributing zakat, infaq, shodaqoh funds at LAZ Sahabat Mustahiq Malang, there is a pattern of distribution of zakat infaq shodaqoh funds, namely traditional consumptive, creative consumptive, traditional productive, creative productive but in the distribution of infaq and shodaqoh zakat funds to 8 asnaf that have been listed in the Qur'an 'an, LAZ Sahabat Mustahiq Malang prioritizes fakir, poor, zakat manager, sabilillah and ibn sabil only.

PENGARUH CURRENT ASSET SAVING ACCOUNT (CASA) DAN FEE- BASED INCOME (FBI)TERHADAP RETURN ON ASSET (ROA) PADA BANK JABAR-BANTEN SYARIAH (BJBS) PERIODE 2016-2020 Ade Monika; Arif Luqman Hakim; Ali Nur Ahmad
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 02 (2022): JESPB Edisi Oktober 2022
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i02.584

This study examines the effect of Current Account Saving Account (CASA) and Fee-Based Income (FBI) on Return On Assets (ROA) at Bank BJB Syariah for the 2016-2020 period. This study aims to determine whether or not there is an effect of Current Account Saving Account (CASA) and Fee Based Income (FBI) on Return On Assets (ROA) either partially or simultaneously at Bank BJB Syariah for the 2016-2020 period. In this study the authors used descriptive quantitative methods, using secondary data. The subjects in this study were the monthly reports of Bank BJB Syariah during the 2016-2020 period with a sample size of 60. The analytical techniques used were Descriptive Statistics Test, Classical Assumption Test, Simple Regression Test and Multiple Regression Test using the help of the IBM SPSS Stratistic 24 application. The results of the study This shows that partially the Current Account Saving Account (CASA) variable has no effect on Return On Assets (ROA), then the Fee-Based Income (FBI) variable has a negative and significant effect on Return On Assets (ROA). And simultaneously Current Account Saving Account (CASA) and Fee-Based Income (FBI) variables have a positive and significant effect on Return On Assets (ROA).

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