Article Per Year (5 Year)
p-Index From 2020 - 2025
3.218
P-Index
This Author published in this journals
All Journal FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Jurnal Ilmiah Ekonomi Islam Iqtishodia: Jurnal Ekonomi Syariah Akuntansi'45 International Journal of Community Engagement Payungi Islamic Economics and Business Review (IESBIR) Balance : Media Informasi Akuntansi dan Keuangan I-PHILANTHROPY: A Research Journal on Management of Zakat and Waqf Equivalent : Journal of Economic, Accounting and Management Al-Muhasib: Journal of Islamic Accounting and Finance Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Kajian Ekonomi dan Akuntansi Terapan Jurnal Ekonomi Bisnis dan Kewirausahaan Jurnal Semesta Ilmu Manajemen dan Ekonomi Jurnal Integritas Serasan Sekundang Jejak digital: Jurnal Ilmiah Multidisiplin Ekoman: Jurnal Ekonomi, Bisnis Dan Manajemen Jurnal Cakrawala Akademika
Peny Cahaya Azwari
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 24 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 24 Documents
Search

 1   2   3 
IMPACT ANALYSIS OF THE ZAKAT, INFAQ AND SHADAQAH FUNDS DISTRIBUTION TO THE POVERTY LEVEL OF MUSTAHIK BY USING CIBEST METHOD Khairul Rijal; Ahmad Zainuri; Peny Cahaya Azwari
Fikri : Jurnal Kajian Agama, Sosial dan Budaya Vol 5 No 1 (2020): Fikri : Jurnal Kajian Agama, Sosial dan Budaya
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jf.v5i1.982

Abstract

Poverty in South Sumatra is very high, so special care must be taken to reduce the problem, inversely proportional to the high enough zakat potential. The regulation on zakat using the payroll system from the salary of every government employee has been implemented. This regulation has a positive impact on collecting zakat funds in South Sumatra, but the position of zakat in helping the government to reduce poverty in this province needs to be explored further in scientific work, a case study of 100 zakat recipients managed by the national board of zakat (BAZNAS) by analyzing the impact of the distribution of zakat, infaq and shadaqah in reducing poverty based on the CIBEST method. This shows that the distribution of zakat, infaq and shadaqah carried out by BAZNAS can significantly reduce povertythat the provision of zakat funds in the form of venture capital was on target, able to increase the welfare index by 55.84% then the spiritual index increased to 4,026 which was previously only 3,870 and the mustahik income and reduced the poverty index both materially decreased by 27.77% and the absolute poverty index decreased by 100 % or no more categorized as material and spiritual poor.
The Influence of Dividend Policy, Debt Policy and Share Prices on Company Size in the Jakarta Islamic Index (JII) Nidya Lestari; Rika Lidyah; Peny Cahaya Azwari
Iqtishodia: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2023): September
Publisher : Institut Agama Islam (IAI) Al-Qolam

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

Abstract

This research aims to determine the effect of dividend policy, debt policy and share prices on company size. The background of this research is because there are differences in the results of previous research between variables, so it is important to do re-research with samples from the latest period, that is 2017 to 2022. The research uses quantitative analysis sourced from secondary data. Based on the attachment to BEI announcement No PENG-00302/BEI.POP/11-2022, the population in this research is 30 companies. The sample selection used was a purposive sampling method and 7 companies were obtained from shares of companies listed on the Jakarta Islamic Index (JII). The analysis technique used is multiple linear regression analysis test. In this research, dividend policy influences company size. Any increase in company size can increase dividend payments assuming other variables remain constant. Debt policy has a significant effect on increasing company size. Then as the company size increases the debt policy will increase. Share prices have no effect on increasing company size
Efektivitas Program Beasiswa Dari Zakat Selama Pandemi Covid-19 Pada Badan Amil Zakat Nasional (BAZNAS) Provinsi Sumatra Selatan Suci Aulia Romadhona; Qodariah Barkah; Peny Cahaya Azwari
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11324

Abstract

Scholarships provide assistance for those who are still in school or college so they can complete their assigments and seek knowledge until they are finished. This assistance is usually in the studying for the desired education. The national Amil Zakat Agency for South Sumatra Province has a program, namely scholarships. After the Covid-19 pandemic, all activities were hampered, both in the fields of education and the economy, among many others. This study uses documentation. The results of this study indicate that the impact of channeling zakat funds in the form of schilarships is that they can help and overcome education costs for students who have effectiveness off distributing zakat funds in the form of scholarships during the Covid-19 pandemic is very effective because it is right in target and also very helpful, especially during the Covid-19 pandemic, which has caused many effects, such as job loss, which has caused people to face difficulties in the economy. The similarities and differences in the distribution of zakat funds in the form of scholarships before and after the Covid-19 pandemic, namely, the similarities, are that they are both running and implemented. Then the quota of scholarship recipients remains the same without being reduced. The difference is that there i no visible difference, or it ean be said that there was no difference either before or after the Covid-19 pandemic.
Pengaruh Tingkat Kemiskinan Terhadap Pertumbuhan Ekonomi Di Provinsi Di Sumatera Selatan Periode 2013 – 2023 Cempaka Lestari; Iza Tulah Anisa; Peny Cahaya Azwari
JURNAL EKONOMI BISNIS DAN KEWIRAUSAHAAN Vol 13 No 2 (2024): Jurnal Ekonomi Bisnis Dan Kewirausahaan, Vol 13 No. 2 Agustus 2024
Publisher : Universitas Sahid Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47942/iab.v13i2.1675

Abstract

ABSTRACT Economic growth is the main requirement for reducing poverty levels. The goal of economic growth has an active influence on poverty, because increased economic growth results in the emergence of jobs thereby reducing unemployment which causes poverty levels to increase. One measure of economic growth can be assessed from the level of income in the area. Therefore, the aim of this research is to determine the effect of poverty on economic growth in South Sumatra in 2013-2023. The analytical tool used in this research is a panel data regression model sourced from the BPS. This research uses simple linear regression in the statistical application of the SPSS ML program. This test was carried out to determine the relationship between poverty and economic growth in South Sumatra Province in 2013-2023. The results and research carried out showed that the influence of the poverty variable was negative and not significant on variable Y (economic growth).    
Pengaruh Religiusitas, Pemahaman, Kepercayaan dan Lingkungan Sosial Terhadap Minat Membayar Zakat Tijarah Pedagang Pasar Tradisional Palembang Elsa Julia; Peny Cahaya Azwari; Bunga Mar’atush Shalihah
Jurnal I-Philanthropy Vol 4 No 2 (2024): I-PHILANTHROPY:A Research Journal On Management Of Zakat and Waqf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/iphi.v4i2.25992

Abstract

This research aims to determine the influence of Religiosity, Understanding, Trust and Social Environment on the Interest in Paying Zakat Tijarah of Traditional Market Traders in Palembang City. This population is 100 traditional market traders. The sampling technique uses incidental sampling, namely a sampling technique whose determination is based on chance, that is, anyone who coincidentally (incidentally) meets the researcher will be used as a sample. Data analysis was carried out using the Partial Least Square (PLS) method using SmartPLS version 3 software. PLS is a method for solving Structural Equation Modeling (SEM) which in this case is more compared to other SEM techniques, which consist of convergent validity tests, Avarage Variance Extracted, Reability Test, Cronbach Alpha, Discriminant Validity Test, Structural Model Test, and Hypothesis Test From the results of the hypothesis test, the religiosity variable has no influence on traders' interest in paying zakat. The understanding variable has a positive effect on muzakki interest. Test the hypothesis that the trust variable has no effect on traders' interest in paying zakat. The results of the hypothesis test of social environmental variables have no effect on traders' interest in paying zakat.
The Utilization of Zakat Based on Qawa’id Fiqhiyyah as a Solution to the Issues of Illegal Online Loans Rizki Hasanah; Agus Mukmin; Rachmiya Saputri; Peny Cahaya Azwari
International Journal of Community Engagement Payungi Vol. 5 No. 1 (2025): International Journal of Community Engagement Payungi
Publisher : Yayasan Payungi Smart Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58879/ijcep.v5i1.78

Abstract

Illegal online loans have become a common solution for people facing emergency financial needs, particularly in relation to family economic challenges. As a way to address the growing number of gharimin (debtors), this study explores the utilization of zakat based on qawa'id fiqhiyyah as a potential solution to the illegal online loan problem. This study uses a library research methodology with a descriptive qualitative approach. The findings indicate that zakat, when based on qawa'id fiqhiyyah, has not been fully optimized as a solution for illegal online loans. Factors such as the unclear classification of gharimin within the seven asnaf categories defined in Islamic law contribute to this issue. The study identifies key principles that justify the distribution of zakat to victims of illegal online loans. First, Al-Masyaqqah Tajlibu At-Taysīr (difficulty invites ease) suggests that Islamic law allows for flexibility and relief in times of hardship. Second, the principle of darurah (necessity), which permits the relaxation of prohibitions in critical situations, applies to individuals burdened by illegal debt. Third, Dar' al-Mafāsid Muqaddam' ala Jalb al-Maṣāliḥ (prevention of harm takes precedence over the pursuit of benefits) emphasizes that the risks such as psychological stress, social stigma, and even suicide, should be mitigated by preventing further harm through zakat. Finally, the principle of Al-‘Ādah Muḥakkamah allows for the inclusion of social customs as a legal basis, provided they do not conflict with Islamic law. This research offers a novel approach by integrating zakat within the broader legal and social context to address the issue of illegal online loans in Indonesia. The study contributes to the literature by highlighting zakat as an underutilized resource in combating financial exploitation in the digital age, providing new insights into the intersection of Islamic financial principles and contemporary economic challenges
The Role of Baitul Maal Wa Tamwil in Enhancing MSME Empowerment in Lubuklinggau: A Case Study of BMT Al-Azhaar Binbud Florado; Rachmiya Saputri; Muhammad saleh; Peny Cahaya Azwari
International Journal of Community Engagement Payungi Vol. 5 No. 1 (2025): International Journal of Community Engagement Payungi
Publisher : Yayasan Payungi Smart Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58879/ijcep.v5i1.79

Abstract

This study aims to analyze the role, strategy, and obstacles of BMT Al-Azhaar in enhancing the empowerment of Micro, Small, and Medium Enterprises (MSMEs) in Lubuklinggau City. This research uses a qualitative method, with data collected through observation, interviews, and documentation analyzed through data reduction, display, verification, and conclusion drawing. The results show that BMT Al-Azhaar plays two key roles in empowering MSMEs: financing and coaching. The financing role distances the community from usury-based practices and provides equitable Sharia-compliant financial support. In contrast, the coaching role helps free MSMEs from dependence on loan sharks through business guidance and mentoring. The strategies used by BMT Al-Azhaar include community-based, local resource-based, and sustainability-based approaches. The institution faces internal obstacles—such as limited human resources and non-performing loans—and external challenges, including public misconceptions equating BMT with conventional financial institutions due to fixed margin perceptions. This study contributes to the literature on Islamic microfinance by presenting a contextual model of MSME empowerment that integrates Sharia-compliant financing with coaching rooted in local values and spiritual ethics. Its novelty is identifying BMT’s empathetic strategies, such as installment deferrals for disaster-affected clients and proactive public education to address misunderstandings about murabahah contracts. These findings affirm BMT Al-Azhaar’s role as a financial provider and an agent of Islamic economic literacy and holistic empowerment.
Optimization of Productive Zakat Distribution through the Linggau Makmur Program in MSME Empowerment: A Case Study on BAZNAS of Lubuklinggau City M. Romi Junaidi; Muhammad Saleh; Aris Sutrisno; Peny Cahaya Azwari
International Journal of Community Engagement Payungi Vol. 5 No. 1 (2025): International Journal of Community Engagement Payungi
Publisher : Yayasan Payungi Smart Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58879/ijcep.v5i1.83

Abstract

Small and medium enterprises (SMEs) are significant drivers of economic development in Indonesia, especially in creating job opportunities and promoting growth. However, SMEs face various challenges, particularly in accessing financial resources, which can hinder their expansion. As an Islamic socio-economic instrument, Zakat has great potential to support community empowerment. When managed effectively, productive Zakat can alleviate poverty and improve welfare. This study focuses on optimizing productive zakat distribution through the Linggau Makmur program by BAZNAS Lubuklinggau City, which aims to enhance the welfare of mustahik (zakat recipients), specifically those involved in SMEs. The research uses a qualitative approach with a descriptive design, collecting data through semi-structured interviews with BAZNAS officials, mustahik, and stakeholders. The study identifies key factors influencing zakat distribution effectiveness, challenges faced, and strategies for improving the program’s impact. Findings suggest that the Linggau Makmur program has significantly empowered SMEs by providing financial assistance, training, mentoring, and continuous support. However, challenges like limited funding and low financial literacy among recipients remain. The study provides practical recommendations for optimizing zakat distribution to ensure long-term economic independence for mustahik and sustainable development.
Peran Akuntansi Akad Musyarakah Dalam Meningkatkan Keberhasilan Pembiayaan Usaha Mikro: Studi Kasus Pada BPRS di Palembang M. Daffa’ Nur Hidayat; Anugrah Danial Erlangga; Peny Cahaya Azwari
Kajian Ekonomi dan Akuntansi Terapan Vol. 2 No. 2 (2025): Kajian Ekonomi dan Akuntansi Terapan (KEAT)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/keat.v2i2.945

Abstract

This study aims to explore the extent to which the application of accounting in the musyarakah contract affects the success of micro-business financing. The research was conducted at one of the Islamic Rural Financing Banks (BPRS) in Palembang. A qualitative approach was used to gain a deep understanding of the role of accounting in the implementation of the musyarakah contract, with a focus on the processes of recording, reporting, and financial supervision of micro-financing. The results indicate that the proper application of accounting in the musyarakah contract significantly contributes to the success of the financing. This is reflected in increased transparency, accountability, and the ability of micro-businesses to manage finances more effectively. The study recommends that BPRS intensify accounting support and education for customers to maximize the benefits of musyarakah financing.
Upaya Meningkatan Pemahaman Masyarakat Desa Tanjung Mas Mengenai Sistem  Akad (Mudharabah) Bagi Hasil Pada Petani Padi Nabilah Sapirah; Yulia Juwita; Puja; Peny Cahaya Azwari
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 1 No. 3 (2025): MEI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/k7pa4b13

Abstract

The Community Service Program (KKN) in the form of this research is based on the collaboration of KKN Students of Raden Fatah State Islamic University of Palembang in Tanjung Mas Village, Rantau Alai District, Ogan Ilir Regency, South Sumatra Province. This article was created to find out how the people of Tanjung Mas Village carry out the Mudharabah Agreement which they apply in the agricultural system there. The research method used is descriptive qualitative, the way to collect data is by means of Observation, Interviews, and Documentation in the Field. In Islam, agriculture is not seen only as a worldly activity, but is an activity that has spiritual meaning. This can be seen from the assumption that the agricultural products that are utilized have a value of alms, which shows a relationship between activities that are suitable for planting and faith in Allah. The majority of Indonesian people themselves work as farmers, in order to meet their living needs. The results of the study show that the current agricultural management system has developed rapidly, therefore the researcher aims for the people of Tanjung Mas Village to know how the management system in using the correct Mudharabah Agreement is in accordance with Islamic law, in order to support economic development there.
Co-Authors Agus Mukmin Ahmad Zainuri Amrah Mahendra Salasa Anugrah Danial Erlangga ARIS SUTRISNO Bella Puspita Sari Bella Saputri Bias Puspa Pitaloka Dewa Brata Binbud Florado Bunga Mar’atush Shalihah Cempaka Lestari Delvi Ramadani Elsa Julia Faturochman Faturochman Febrita Fitria Futri Hanna Rahmadaniah Heni Saputri Intan Dwi Lestari Iza Tulah Anisa Khairul Rijal Kheyra Al Zaphira Lismita Maharani M. Daffa’ Nur Hidayat M. Romi Junaidi Maharani Azizah Mismiwati Muhammad Aldi Muhammad Fathul Mubbin Muhammad Haikal Anugrah Muhammad Holid Latif Muhammad Nur Fajri Muhammad Paqih Cik Ali Muhammad Raffi Aidil Adha Muhammad Rafly Muhammad Rezky Muhammad Saleh Nabilah Sapirah Natashah Dewanti Naufal Riandra Saputra Nidya Lestari Oktaviani Putri Ramandhani Puja Qodariah Barkah Rachmiya Saputri Raditian Rahmat HIdaya Rika Lidyah Rizki Hasanah Salwa Dzahabiyyah Sandra Satrio Rekto Sasongko Suci Aulia Romadhona Tissa Putri Agustin TITIN HARTINI Wahyu Sarvian Saputra Yulia Juwita