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All Journal Jurnal Pendidikan Ekonomi Undiksha IQTISHODUNA Jurnal Keuangan dan Perbankan Jurnal Kesehatan Masyarakat El Dinar Jurnal Ilmiah Mahasiswa FEB IQTISHADIA JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Applied Economics Wacana, Jurnal Sosial dan Humaniora Journal of Indonesian Economy and Business TEMA (Jurnal Tera Ilmu Akuntansi) International Journal of Local Economic Governance ECSOFiM (Economic and Social of Fisheries and Marine Journal) Jurnal Administrasi Kesehatan Indonesia Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ilmu Ekonomi dan Pembangunan Jurnal SEPA (Social Economic and Agribusiness Journal) Jurnal Ekonomi & Keuangan Islam Journal of Health Science and Prevention Jurnal Sosial Ekonomi Kelautan dan Perikanan Buletin Ilmiah Marina : Sosial Ekonomi Kelautan dan Perikanan Journal of Innovation in Business and Economics IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam International Journal of Economics, Business and Accounting Research (IJEBAR) Creative Research Management Journal Ihsan: Jurnal Pengabdian Masyarakat Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Caring : Jurnal Pengabdian Masyarakat Islamiconomic: Jurnal Ekonomi Islam International Journal of Accounting & Finance in Asia Pasific Journal of International Conference Proceedings Journal of Islamic Economics Lariba Journal of Community Health and Preventive Medicine (JOCHAPM) Jurnal Ekonomi dan Pembangunan Indonesia Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF) Al-Infaq: Jurnal Ekonomi Islam
Asfi Manzilati
Departement Of Economy, Faculty Of Economics And Business, Universitas Brawijaya, Malang, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Pembiayaan Murabaha sebagai Prasyarat Pembiayaan Mudharaba dalam Kerangka The Generalized Others Manzilati, Asfi
TEMA Vol 4, No 2 (2003)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18202/tema.v4i2.167

Abstract

Penelitian ini bertujuan untuk menjelaskan bagaimana pembiayaan murabaha menjadi prasyarat bagi pembiayaan mudharaba dalam kerangka the generalized others (pihak lain yang tergeneralisasi). Pendekatan Interaksionisme Simbolik dengan mempertimbangkan konsep ekonomi institusi (kelembagaan) digunakan sebagai metode riset dan alat analisa. Dengan wawancara mendalam dengan dua informan utama dan dua informan pendukung, diperoleh dua temuan penting dalam penelitian ini yaitu pertama, mudharaba dimaknai bankir sebagai kerja sama bagi hasil (baik untung maupun rugi) dengan mendasarkan bagi hasilnya pada profit (and loss) sharing sementara the generalized others yang melingkupinya yaitu pesaing syariahnya menggunakan revenue sharing dan pesaing konvensionalnya menggunakan sistem bunga. Temuan yang kedua adalah bahwa karakter adalah tumpuan utama dalam proses penilaian (seleksi) calon nasabah ketika jaminan berupa harta benda tidak boleh digunakan (sebagai kompensasi terhadap resiko). Hal ini memunculkan “jalan altematif’ yang kemudian menjadi simbol baru yaitu adanya prasyarat kerja sama murabaha bagi berlangsungnya kerja sama mudharaba. Interaksi yang berulamg- ulangpada murabaha akan menumbuhkan kepercayaan antar bank dan nasabah sehingga tercipta social capital yang menjamin kerja sama akan berhasil. Kata-kata kunci: Interaksionisme Simbolik, mudharaba, murabaha, dan the generalized others
SELF EMPOWERMENT MODEL OF THE POOR IN IMPROVING SOCIAL WELFARE (Studies in the District of Alang-Alang Lebar Palembang, Indonesia) Rohima, Siti; Suman, Agus; Manzilati, Asfi; Ashar, Khusnul
Journal of Indonesian Economy and Business Vol 28, No 2 (2013): May
Publisher : Journal of Indonesian Economy and Business

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Abstract

Poverty is a very complex problem. So many ways that has been done by the Governmentbut not yet provide optimal results. Any measures taken to overcome poverty oftenonly temporary. There needs to be alternative measures to alleviate poverty through theempowerment one. Self-empowerment for the poor in improving the standard of living andwelfareResearch studies conducted in the District of Alang-Alang Palembang. This study is aqualitative study using interaksionime symbolic approach. In interaksionime symbolic ofhuman behavior and interaction shown by the symbol and meaning, and should be able totranslate the meaning and significance of the symbol.This research suggests a model of self-empowerment of the poor through social capitaland internal self. In the self-empowerment, poor individuals may act as subjects ratherthan just the object of poverty reduction. Self-empowerment model in addition supportedby a good social capital is also supported by internal self. Internal to include prayer,effort, initiative and tawakal. Self-empowerment is done individually capable of affectingevery movement of the poor themselves are to change for improving the living standardsand the shackles of poverty, but it can provide motivation to work harder and improve theethical attitudes and work for productivity increases and is thus able to increase revenue.Empowerment supported by internal social capital and good self will bring individualcreativity in doing self-empowerment. This condition can increase income and improve thelives of poor and better than ever before so that poor people more prosperous and achievethe expected welfare.Keywords: Model, Self empowerment, poverty, social capital, internal self, welfare
SOCIAL CAPITAL IN NON-BARTER TRANSACTION CHAIN IN PASAR BLANTE KAWANGKOAN, NORTH SULAWESI PROVINCE Kimbal, Rahel Widiawati; Suman, Agus; Ashar, Khusnul; Manzilati, Asfi
Journal of Indonesian Economy and Business Vol 27, No 3 (2012): September
Publisher : Journal of Indonesian Economy and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (383.358 KB)

Abstract

The research aims to find out the forms as well as the function of social capital in the chain of economic activity in Pasar Blante (Blante market), one of the traditional markets in Kawangkoan, North Sulawesi, particularly its non-barter transaction. This research employs phenomenology-qualitative research method by involving triangulation as the method of data gathering. Spradley Model is chosen to analyze data. The results of the research highlight kinds of social capital embodied in non-barter transaction in Pasar Blante which comprises trust, network, norms. These important factors are reflected in transaction chain involving many agents such as (1) the cattle’s owner; (2) maantung; (3) tukang blante; (4) cukong; and (5) the buyers.The contribution of social capital on non-barter transaction among people involving in economic activity are embodied in (1) The transparent transaction resulting in lower informationcost among people taking part in that activity; (2) Free information access which enables them to obtain credible information on getting qualified cattles with highly economical value; (3) Appreciation on someone’s ownership shown in high-sense of belonging and responsibility ontaking care all cattles in Pasar Blante without additional charge; (4) Commitment on contact agreement which minimizes the cancellation on transaction; (5) The transaction needs no written document which legalizes the ownership of the buyer; (6) The availability of cattle’s food which in turn reduces the cattle’s food consumption cost; (7) Fast access on marketing which is supported by all parties involving in the transaction as well as all elements of society. Moreover, this research elucidates that non-barter transaction also support other transactions such as barter transaction and trade-in transaction. Finally, this non-barter transaction proves to be contributive to increase the local revenues and generates the economic activity in the area.Keywords: social capital, traditional market, transaction, chain, non-barter.
KAJIAN ATAS FUNGSI SOSIAL PADA TINDAKAN EKONOMI PELAKU LEMBAGA KEUANGAN MIKRO SYARIAH Satria, Awang Tri; Burhan, Umar; Manzilati, Asfi
MediaTrend Vol 10, No 1 (2015): Maret
Publisher : Trunojoyo University of Madura

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Abstract

This study aims to: 1) determine how actors in sharia microfinance institutions provide the perception toward the social function of the economic action undertaken. 2) determine the form of the social functions performed by the actors in sharia microfinance institutions. This study used a qualitative method with phenomenological approach.The findings of this study are: 1) the perception of the social function by the actors of sharia microfinance institutions respectively: a) perception of social function is as management of zakat, infaq, and alms known in the concept of Baitul Maal. b) the social function as a medium of empowerment of poor communities where the sharia microfinance institutions are capable in producing new entrepreneurs. c) the social function as propaganda/symbols of Islam, Islamic microfinance institutions serve to eradicate the practice of existing usurer in the community. 2) The form of social functions held by sharia microfinance institutions are: a) The distribution of social grants, the distribution of development aid in the form of mosques, procurement assistance of Al-Quran,  home renovation, distribution of Zakat funds as well as scholarships to students who cannot afford school. b) Help the poor public capital, capital assistance is intended for the poor, capital assistance is also easy for small traders in accessing financing. c) Optimalization the role of sharia microfinance institutions by opening branches in remote areas which aim to facilitate the public in accessing Sharia financial institutions and also propaganda symbols of Islam in religious activities.
ANALISIS BIAYA TRANSAKSI PADA INDUSTRI BANK UMUM DI INDONESIA Listiyanto, Eko; Manzilati, Asfi
Journal of Indonesian Applied Economics Vol 1, No 1 (2007)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (735.542 KB) | DOI: 10.21776/ub.jiae.2007.001.01.4

Abstract

The objectives of the research were to examine if there is difference in transactioncosts of  loan transaction in comercial bank between the period befor the economiccrisis in 1997 and the period after, and to identify variables influencing the costs oftransaction. It was foung that there was a significant difference between both periodsmentioned. Variables affecting the transaction costs were  overhead costs, and writeoff.Keywords: Transaction Cost, Adverse Selection, Moral Hazard, Ex Post Costs
RENT SEEKING PADA TATA NIAGA KOMODITAS JAGUNG DI DESA PANDANSARI LOR KAB. MALANG Andriyani, Nina; Ashar, Khusnul; Manzilati, Asfi
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 3, No 2 (2015): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v3i2.2944

Abstract

Abstract This study aims 1) to determine the format of corn trade system, 2) to know the process of formation of rents on corn trading system and 3) to determine the implications of rents on the sustainability of corn farming in the village of Pandansari Lor. This study used a qualitative approach by applying research methods of phenomenology, which is the the study of the experience that comes out from awareness. The results of this study showed the corn trade system in the village of Pandansari Lor has long sequences. The corn yields of farmers had to be stored through collector that carried forward to wholesalers in the village for corn shaving. The step went to wholesalers outside the village to serve them into corn rice before reaching the final consument that is fodder company. Rent seeking also occured in those long sequences. Its either activities that occured due to manipulation of business or as utilization of the power structure. The iimplications of rent seeking likely harmed the corn farmers and multiply wealth of rent-seeking parties to the trade system.
Implementasi Corporate Social Responsibility dalam Mengatasi Eksternalitas PT. Semen Indonesia (persero) Tbk Mahfudh, Muhammad Zamroni; Manzilati, Asfi
Jurnal Ilmiah Mahasiswa FEB Vol 1, No 2: Semester Genap 2012/2013
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Pembangunan ekonomi di suatu Negara dalam periode jangka panjang akan membawa perubahan mendasar dalam struktur ekonomi negara tersebut, yaitu dari ekonomi tradisional yang dititikberatkan pada sektor pertanian ke ekonomi modern yang didominasi oleh sektor industri. Mengingat perusahaan tumbuh dan berkembang di tengah-tengah masyarakat dengan menimbulkan eksternalitas atas kegiatan produksinya, maka perusahaan juga perlu menyadari bahwa perusahaan terdiri dari para individu yang terlibat di dalamnya, yakni pemilik dan karyawanya. Sehingga perusahaan seharusnya lebih peka dan tidak hanya memikirkan keuntungan finansial saja, melainkanharus memiliki kepekaan dan kepedulian terhadap publik, khususnya masyarakat beserta lingkungandi sekitar perusahaan.Penelitian ini bertujuan untuk mengetahui bentuk eksternalitas yang terjadi pada PT. SemenIndonesia (persero) Tbk. dan implementasi Corporate Social Responsibility dalam mengatasieksternalitas tersebut. Jenis penelitian ini menggunakan metode kualitatif fenomenomlogi, dimanamembantu peneliti memasuki sudut pandang orang lain, dan berupaya memahami mengapa merekademikian. Data yang diperoleh melalui wawancara tidak terstruktur, observasi dan dokumentasi.Teknik analisis data yang digunakan dimulai dari reading, coding, reducing, displaying danintepreting.Hasil penelitian ini menunjukkan bahwa, dalam prosesnya PT. Semen Indonesia (persero)Tbk. selain menghasilkan produk-produk yang dibutuhkan masyarakat, industri juga membawadampak yaitu merusak lingkungan hidup, seperti mencemari udara, tanah dan air. Selain itu, industrijuga berpengaruh dalam mengubah tatanan serta pola kehidupan masyarakat dan keluarga.Mencermati sisi negatif industrialisasi tersebut, tidak adil manakala masyarakat harus menanggungbeban sosial. Harapanya PT. Semen Indonesia harus berkomitmen untuk turut mensejahterakankehidupan masyarakat sekitar sekaligus memelihara lingkungan sebagaimana tertuang dalam misiPerusahan “Mengembangkan komitmen terhadap peningkatan kesejahteraan pemangku kepentingan(stakeholder)” melalui pemberdayaan sosial ekonomi masyarakat. Karena masyarakat sekitarmerupakan bagian dari perusahaan, sehingga menjadi kewajiban Perseroan untuk terus berkembangbersama masyarakat sekitarnya.Kata kunci : PT. Semen Indonesia (persero) Tbk., Eksternalitas, Corporate Social Responsibility
PERAN INSTITUSI MASJID SEBAGAI PUSAT PEMBERDAYAAN SOSIAL EKONOMI MASYARAKAT (Studi di Masjid Sabilillah Malang) Faizaturrodhiah, Nur; Pudjihardjo, M.; Manzilati, Asfi
IQTISHODUNA IQTISHODUNA (Vol 14, No. 1, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (730.249 KB) | DOI: 10.18860/iq.v0i0.4831

Abstract

Abstract: This study aims to analyze the role of mosque institution as the center of socio-economic empowerment of the community. The study was conducted at Sabilillah Mosque which is a large national pilot mosque. The approach used is case study. The results of social empowerment research are, improving the quality of education, family assistance, business training, health services, network strengthening with mushollah. While economic empowerment among others economic empowerment through mosque cooperative, economic empowerment dhuafa through business capital and provision of production facilities, economic empowerment through provision of market pujasera. To generate other funding sources as a means to empower the community, Sabilillah Mosque organizes auditorium, cash receipts, and minimarket management cooperation.
Analysis of Preferable Occupation between Merchant and Islamic Bank Clerk in Bank Syariah Mandiri (BSM) Based on a Hadith about Riba Kafabih, An'im; Manzilati, Asfi
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.2751

Abstract

This paper investigates the relationship between occupation to interest rate between Islamic bank clerk and merchant who export or import goods. As Prophet Muhammad ever said that at the end people still eat the “the dust of riba” event they want to avoid it, this implies that what people’s occupation will also be affected by the rate of interest rate. Introducing two model that represent the relationship between two occupation, merchant and Islamic bank clerks, and using ordinary regression, this study finds that statistically, as people want to be a merchant, they will gain much benefit when the rate of interest raise, however, when people prefer to become Islamic bank clerk (especially in BSM as case study), their income will harm as the rate of interest increase. In addition, when the interest rate rise, the benefit which is gained by merchant much greater than the loss of Islamic bank profit (BSM) because of the higher coefficient value of merchant rather than Islamic bank profit (BSM).
Analysis of Preferable Occupation between Merchant and Islamic Bank Clerk in Bank Syariah Mandiri (BSM) Based on a Hadith about Riba Kafabih, An'im; Manzilati, Asfi
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.2751

Abstract

This paper investigates the relationship between occupation to interest rate between Islamic bank clerk and merchant who export or import goods. As Prophet Muhammad ever said that at the end people still eat the “the dust of riba” event they want to avoid it, this implies that what people’s occupation will also be affected by the rate of interest rate. Introducing two model that represent the relationship between two occupation, merchant and Islamic bank clerks, and using ordinary regression, this study finds that statistically, as people want to be a merchant, they will gain much benefit when the rate of interest raise, however, when people prefer to become Islamic bank clerk (especially in BSM as case study), their income will harm as the rate of interest increase. In addition, when the interest rate rise, the benefit which is gained by merchant much greater than the loss of Islamic bank profit (BSM) because of the higher coefficient value of merchant rather than Islamic bank profit (BSM).
Co-Authors Abdillah, Muqaffi Abu Bakar Abu Bakar Sambah, Abu Bakar Adam Apriliyadi Agus Suman Ah Miftahul Alim Ahmad Djalaluddin Ahmad Erani Yustika Ahmad Syatir Ajeng Kartika Galuh Aji Dedi Mularwaman Amelia Priharsanti An'im Kafabih An'im Kafabih An'im Kafabih Anisa Fitria Utami Anisa Fitria Utami Anthon Efani Ari Kamayanti Arrum Mahmudahningtyas Aryo Galih Saloko Aryo Saloko Aulad, Afdalul Awang Tri Satria Bambang Agoes Hermanto Bayu Krisnamurthi Bella Myirandasari Bunga Hidayati Bunga Hidayati Burhan M. Umar Calista Donabella, Belinda Darti Djuharni DAVID KALUGE Dias Satria Eka Dirgantara Aquino ELINA R SITUMORANG Esha Najitama Estu Unggul Drajat Fadjar Setiyo Anggraeni Faizaturrodhiah, Nur Fajari, Alfiani Bintang Fatik Noviono Utomo Fauzi, Dekky Gazi, Ananta Ghazela, Jehan Putri Ghozali Maski Ghozali Maski Girindra Mega Paksi Hanif Kautsar Rahmanda Yuna Ikrar Adina Panuntun Imamia, Tsumma Lazuardini Istiasih, Shitny Dwi Iswan Noor Jayanti, Dwi Nur Jayawarsa, A.A. Ketut Kafabih, An'im Kafabih, An'im Kartikasari, Dhian Khusnul Ashar Khusnul Ashar Khusnul Ashar Khusnul Ashar Kusairi Kusairi Laili Hurriati Listiyanto, Eko Lutfillah, Novrida M Fadli M. Firmansyah M. Pudjihardjo M. Tamim Syaifullah Maftuch - Marlina Ekawaty Maryunani Maryunani, Maryunani Mashudi, Ahmad Mega Ria Misbakhul Munir Moch. Bukhori Muslim Mochamad Tamim Syaifullah Moh. Khusaini Moh. Shadiqur Rahman Muhamad Reza Fahrizal Muhammad Dandy Alif Wildana Muhammad Faisal Riza Muhammad Zamroni Mahfudh Multifiah . Multifiah Multifiah Munawar Ismail Munawar Ismail Nabila, Ulfa Nina Andriyani, Nina Nurman Setiawan Fadjar Nurul Badriyah Patricia Diella Budiarto Rahel Kimbal Ratri, Devita Rahmani Rina Oktavia Riniati RIZKY ADITYA, DEANDRA Rosyidah, Lathifatul Sabila, Shafira Fathia Sari, Mariyana Siagian, Kevin Adriel Silvi Asna Prestianawati Siti Rohima Siti Rohima Sonhaji *), Ferra Ika Wardani Solechan Sri Muljaningsih Sri Muljaningsih Sudarman, Suhaily Supar di Suprayogi Suprayogi Suprayogi Suprayogi Susilo Susilo Syamsuri, Asyila Muthi'ah Syatir, Ahmad Tita Hariyanti Tsumma Lazuardini Imamia Tsumma Lazuardini Imamia Tumirin Tyas D. Hascaryani Tyas Danarti Uma Adi Kusuma Umar Burhan Umar Burhan Umar Burhan, Umar Virginia Nur Rahmanti Virginia Nur Rahmanti Wicesa, Nayaka Artha Widodo Mardi Santoso, Widodo Mardi Winda Wahyu Widyasari Yenny Kornitasari Yenny Kornitasari Yenny Kornitasari, Yenny Yogi Pasca Pratama, Yogi Pasca