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Inheritance VS Intertemporal Consumption Rina Oktavia; Burhan M. Umar; Manzilati Asfi
e-2477-1929
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (683.005 KB) | DOI: 10.21776/ub.ijleg.2016.002.02.10

Abstract

There is a difference between the final goal of conventional economics and Islamic economics. This difference is about intertemporal consumption. In conventional economics, every human being trying to meet the needs through consumption activities. It is known as the term “intertemporal consumption”. Intertemporal consumption is the consumption activities which are carried out in two periods, both present and future. Income (Y) obtained by a person is the sum of consumption (C) and savings (S) which is written in a mathematical function Y = C + S. However, in Islamic economics is known the term ”inheritance” which is the income of someone unused until someone dies thus distributed to the heirs. Thus, a person's income in Islamic economics is not just an accumulation of consumption (present and future) and savings, but also inheritance which is an instrument of wealth distribution to the heirs after death. This a literature study. And this research tries to explain the difference between inheritance as part of intertemporal consumption in Islamic economics perspective and intertemporal consumption in conventional economics perspective. From this research about inheritance and intertemporal consumption, we will know more clearly about the fundamental difference from conventional economics and Islamic economics.Keywords: Inheritance, Intertemporal Consumption, Islamic Economics, Conventional Economics
KAJIAN ATAS FUNGSI SOSIAL PADA TINDAKAN EKONOMI PELAKU LEMBAGA KEUANGAN MIKRO SYARIAH Awang Tri Satria; Umar Burhan; Asfi Manzilati
MediaTrend Vol 10, No 1 (2015): Maret
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v10i1.3294

Abstract

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 Komparasi Stabilitas Perbankan Syariah dan Konvensional (Bank Umum Devisa Non Go Public di Indonesia) Bella Myirandasari; Asfi Manzilati
Jurnal Ilmiah Mahasiswa FEB Vol 3, No 1: Semester Ganjil 2014/2015
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (583.021 KB)

Abstract

Stabilitas perbankan merupakan salah satu pendukung pertumbuhan ekonomi. Sebagai otoritas moneter, Bank Indonesia tidak hanya menjaga stabilitas  moneter, melaikan juga stabilitas perbankan untuk mendukung pertumbuhan ekonomi yang berkelanjutan.   Di  Indonesia, saat ini tidak hanya perbankan konvensional akan tetapi perbankan syariah pun ikut berperan dalam mendukung pertumbuhan ekonomi.  Penelitian ini bertujuan untuk mengetahui bagaimana perbedaan stabilitas perbankan syariah dan konvensional di Indonesia.  Stabilitas sistem perbankan dicerminkan dengan kondisi perbankan yang sehat, dimana perbankan tersebut bebas dari masalah kebangkrutan. Stabilitas perbankan diukur menggunakan model pengukuran tingkat kebangkrutan bank  yang disebut dengan Z-Score.       Menggunakan uji Mann-Whitney, penelitian ini menunjukkan bahwa stabilitas perbankan konvensional lebih baik daripada bank syariah. Penelitian ini menggunakan data dari bank umum devisa non go public di Indonesia. Stabilitas kedua jenis bank tersebut secara umum dapat  dilihat dari rasio likuiditas dan profitabilitasnya. Tingkat likuiditas bank syariah lebih rendah daripada bank konvensional. Likuiditas yang dicerminkan dengan kepercayaan, masih menjadikan bank konvensional lebih unggul daripada bank syariah. Lebih daripada itu, pemahaman masyarakat Indonesia terhadap perbankan syariah saat ini masih kurang sehingga akan berdampak  pada menurunnya profitabilitas bank syariah.Kata kunci:  Stabilitas Perbankan,  Bank Syariah, Bank Konvensional, Z-Score, Likuiditas, Profitabilitas
HABLUMMINALLAH AND HABLUMMINANNAS OF ZAKAH Muhammad Dandy Alif Wildana; Asfi Manzilati
Jurnal Ilmiah Mahasiswa FEB Vol 2, No 2: Semester Genap 2013/2014
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study was conducted to understand the aspects that consist in zakah, as one out of five principles of islam : religious, economic, and social. Al Qur'an, as the holy book of islam, Prophet Muhammad (PBUH) hadiths, along with books and scientific journal are used as data. Literature review is used as the approach of this study. Zakah cannot be treated only as a form of worship towards Allah, The Creator of All, but zakah has further means and functions, and benefits to all humanity through its worldly aspects, namely  economic and social. The correct establishment of zakat can be a solution on solving the problems that emerge in the economic and social areas. This research is limited on viewing the effects of  zakah in the light of its benefit on religious, economic and social. The next research that conducted on this field perhaps can broaden the view and fill the empty space, because zakah still can be seen on another point of view or perspective. Any further research conducted on the theme of zakah will furthermore justify the position of it as a tool of community stability that affect not only for moslem as the follower of islam, but to all of humanity.Keywords : Islam, Zakah, Al Qur'an, Hadiths of  Prophet Muhammad (PBUH), Economic, Social
IDENTIFIKASI STRUKTUR PASAR DAN IMPLIKASINYA TERHADAP PEMBENTUKAN HARGA (Studi Kasus Pada Sentra Industri Keripik Tempe Sanan Malang) Winda Wahyu Widyasari; Asfi Manzilati
Jurnal Ilmiah Mahasiswa FEB Vol 1, No 1: Semester Ganjil 2012/2013
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (213.156 KB)

Abstract

Dalam rangka meningkatkan peran UKM, aspek mikroekonomi juga perlu diterapkan. Salah satunya pemikiran mengenai struktur pasar dan pembentukan harganya. Dalam pemikiran level mikro neoklasik, dijelaskan tentang bagaimana struktur pasar atau mekanisme pasar (permintaan dan penawaran) dapat menjadi determinan dalampembentukan harga, output dan pendapatan.  Sanan merupakan salah satu daerah UKM di Kota Malang yang perekonomiannya berkembang pesat karena usaha keripik tempenya. Sampai sekarang para pedagang di daerah Sanan tersebut masih bisa mempertahankan perkembangan usahanya. Dan bahkan beberapa dari  mereka ada yang semakin maju dalam pengembangan usahanya. Dalam hal ini pembentukan harga memiliki peran yang sangat penting didalamnya, bagaimana mekanisme harga di dalam usaha tersebut dan harga para pesaing terbentuk sehingga nantinya mereka tetap dapat menarik minat konsumen serta mempertahankan para pelanggannya. Maka untuk  mengetahui itu semua diperlukan identifikasi struktur pasar di dalamnya, serta tentang bagaimana struktur pasar tersebut dapat berimplikasi terhadap proses terbentuknya harga, sehingga mereka bisa tetap mempertahankan perkembangan usahanya.   Untuk itu disini peneliti akan mengamati bagaimana identifikasi struktur pasar dan implikasinya terhadap pembentukan harga (studi kasus pada Sentra Industri Keripik Tempe Sanan Malang). Dengan menggunakan analisis kualitatif dan pendekatan  fenomenologis  sehingga dapat menjawab rumusan masalah pada penelitian. Dari hasil penelitian ini, diketahui bahwa  struktur pasar di Sentra Industri Keripik Tempe Sanan lebih mengarah ke  pasar persaingan monopolistik dilihat dari ciri-cirinya yang tidak terdapat hambatan untuk masuk, banyaknya penjual, tidak ada kerja sama dan diferensiasi produk. Hal ini berimplikasi terhadap pembentukan harga di Sanan yang juga sendiri-sendiri dan tidak ada kerjasama.   Kata kunci: Struktur pasar, harga, pembentukan harga
SELF EMPOWERMENT MODEL OF THE POOR IN IMPROVING SOCIAL WELFARE (Studies in the District of Alang-Alang Lebar Palembang, Indonesia) Siti Rohima; Agus Suman; Asfi Manzilati; Khusnul Ashar
Journal of Indonesian Economy and Business (JIEB) Vol 28, No 2 (2013): May
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (167.537 KB) | DOI: 10.22146/jieb.6223

Abstract

Poverty is a very complex problem. So many ways that has been done by the Government but not yet provide optimal results. Any measures taken to overcome poverty often only temporary. There needs to be alternative measures to alleviate poverty through the empowerment one. Self-empowerment for the poor in improving the standard of living and welfare research studies conducted in the District of Alang-Alang Palembang. This study is a qualitative study using interaksionime symbolic approach. In interaksionime symbolic of human behavior and interaction shown by the symbol and meaning, and should be able to translate the meaning and significance of the symbol. This research suggests a model of self-empowerment of the poor through social capital and internal self. In the self-empowerment, poor individuals may act as subjects rather than just the object of poverty reduction. Self-empowerment model in addition supported by 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 affecting every movement of the poor themselves are to change for improving the living standards and the shackles of poverty, but it can provide motivation to work harder and improve the ethical attitudes and work for productivity increases and is thus able to increase revenue. Empowerment supported by internal social capital and good self will bring individual creativity in doing self-empowerment. This condition can increase income and improve the lives of poor and better than ever before so that poor people more prosperous and achieve the expected welfare.
SOCIAL CAPITAL IN NON-BARTER TRANSACTION CHAIN IN PASAR BLANTE KAWANGKOAN, NORTH SULAWESI PROVINCE Rahel Widiawati Kimbal; Agus Suman; Khusnul Ashar; Asfi Manzilati
Journal of Indonesian Economy and Business (JIEB) Vol 27, No 3 (2012): September
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (116.363 KB) | DOI: 10.22146/jieb.6238

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.
EXAMINING THE GATEWAY HYPOTHESIS OF DRUG USE IN INDONESIA Aryo Galih Saloko; Asfi Manzilati
Indonesian Journal of Health Administration Vol. 9 No. 1 (2021): June
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jaki.v9i1.2021.95-106

Abstract

Background: Drug misuse is a global threat, including  in Indonesia. Solving issues of drug use is by understanding the drug patterns. One of the important concepts related to public policy in drug addiction is the gateway hypothesis. However, not all researchers support this theory as the initation of drug use is debatable in terms of how a person starts to consume tobacco and alcohol, marijuana, and then other drugs.Aim: This study identified a initiation sequence of drug use, particularly the gateway from soft to hard drugs and its reverse from hard to soft drug patterns.Methods: This study employed a dataset of drug user patients aged 14–67 years from the Rehabilitation Center of National Narcotics Board in 2014-2018. The dataset was assessed using the Addiction Severity Index (ASI). Purposive sampling was utilized in the sample selection.  The dataset was divided into three subsamples to identify the pattern. The subsamples included regular soft-drug users, regular intermediate-drug users, and regular hard-drug users. This study used a quantitative method and cross-tabulation approach along with descriptive statistics.Results: Most of the drug users began consuming intermediate drugs and then soft drugs. Only early users followed the gateway pattern, while those in the intermediate and hard drug pattern mostly did not have the gateway pattern.Conclusion: A policy about prevention of soft drug use (marijuana) in early use may be effective to reduce harder drug use in the future.Keywords: drug use, gateway hypothesis, reversal pattern
IDENTIFIKASI BIAYA TRANSAKSI DI PASAR INPUT USAHA PERIKANAN TANGKAP (STUDI KASUS DI PANTAI SENDANGBIRU, MALANG) Anthon Efani; Asfi Manzilati; Yenny Kornitasari
Jurnal Sosial Ekonomi Kelautan dan Perikanan Vol 14, No 2 (2019): DESEMBER 2019
Publisher : Balai Besar Riset Sosial Eonomi Kelautan dan Perikanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15578/jsekp.v14i2.7346

Abstract

Ketersediaan input produksi serta kedekatan akses nelayan pada pasar input merupakan hal penting dalam kegiatan usaha. Berdasarkan pada hal tersebut penelitian ini bertujuan  untuk mengidentifikasi terbentuknya biaya transaksi pada kegiatan usaha perikanan tangkap di Sendangbiru dan menganalisis biaya transaksi yang terdapat di pasar input usaha perikanan tangkap. Metode penelitian yang digunakan adalah kualitatif. Berdasarkan hasil penelitian, terbentuknya biaya transaksi pada usaha perikanan muncul ketika kontrak bisnis antara nelayan dan pengambek telah disepakati. Meskipun kontrak bersifat informal, namun kontrak tersebut merupakan kelembagaan yang eksis dan mengatur seluruh kegiatan usaha perikanan tangkap di Sendangbiru. Biaya transaksi di pasar input usaha perikanan tangkap di Pantai Sendangbiru terdiri dari biaya komunikasi, selisih harga pada barang – barang input produksi yang disediakan oleh pengambek, dan biaya jasa pengiriman perbekalan oleh kuli bongkar ke kapal nelayan.Title: Transaction Cost in Input Market of Commercial Fishing Business (Case Study in the Sendangbiru Beach, Malang)The availability of input production and accessible input market for fishers are essential parts in supporting business activity. Based on those matters, the aims of this research are to identify the transaction cost in commercial fishing business in Sendangbiru and to analyze transaction cost in input market of commercial fishing business. The research used qualitative method. The result of this research is transaction cost emerges when business deal between fishermen and pengambek has been approved. Nevertheless, the informal transaction is an essential part which exists and regulates the entire commercial fishing business activity in Sendangbiru. Transaction cost in input market of commercial fishing business comprise of communication cost, price difference of production input goods provided by pengambek, and service cost such delivering supplies by porter to fishers ship. 
IMPLIKASI SISTEM BAGI HASIL TERHADAP KEBERLANJUTAN USAHA (Studi Kasus di Tambak Udang, Pantai Bayeman, Probolinggo) Anthon Efani; Asfi Manzilati
Jurnal Sosial Ekonomi Kelautan dan Perikanan Vol 13, No 1 (2018): JUNI 2018
Publisher : Balai Besar Riset Sosial Eonomi Kelautan dan Perikanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (286.02 KB) | DOI: 10.15578/jsekp.v13i1.6860

Abstract

ABSTRAKTujuan dari penelitian ini adalah untuk mengidentifikasi implikasi sistem bagi hasil terhadap keberlanjutan usaha tambak udang. Dengan mengunakan pendekatan kulitatif, hasil penelitian menunjukkan bahwa sistem bagi hasil telah mendorong usaha tambak udang lebih sustain. Terdapat dua hasil yang menarik yaitu, 1) Sistem penggajian memberikan jaminan biaya hidup bagi keluarga karyawan; 2) Sebagai mitra, ada persentase tertentu dari keuntungan pemilik yang diberikan kepada karyawan. Hal ini membuat karyawan bekerja dengan giat untuk mempertahankan usaha agar tetap berjalan dan berkembang. Sistem ini menjadikan kegiatan usaha tidak perlu pengawasan berlebih dari pemilik tambak. Jaminan biaya hidup dan bagi hasil diharapkan akan mendorong keberlanjutan usaha budidaya udang.Title: Implication of Sharing System Towards Business Sustainability(Study in Shrimp Culture, Bayeman Beach, Probolinggo) ABSTRACTThis study aims to identify the implication of sharing system toward shrimp-culture business  sustainability. By using qualitative approach, the results show that sharing system has encouraged the sustainability of shrimp-culture business. There are two interesting results: (1) The payroll system gives a guaranteed living cost for employees’ family. (2) As a partner, there is a certain percentage of profit for employees. It leads the employee try hard to maintain the corporate to keep running and developing. This system makes business activities do not need excessive supervision from the owner. Living cost guarantee and expected return will encourage the sustainability of shrimp-culture business. 
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 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 di, Supar Dias Satria Eka Dirgantara Aquino ELINA R SITUMORANG Esha Najitama Estu Unggul Drajat Estu Unggul Drajat, Estu Unggul Fadjar Setiyo Anggraeni Fahrizal, Muhamad Reza 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. Firmansyah M. Pudjihardjo M. Tamim Syaifullah M. Umar Burhan Maftuch - Marlina Ekawaty Maryunani Maryunani, Maryunani Mashudi, Ahmad Mega Ria Misbakhul Munir Moch. Bukhori Muslim Mochamad Tamim Syaifullah Moh Agus Nugroho 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 Prahara, Rahma Sandhi 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 Yuna, Hanif Kautsar Rahmanda