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All Journal IQTISHODUNA Journal of Indonesian Tourism and Development Studies JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Applied Economics International Journal of Local Economic Governance Jurnal Bina Praja Warta Penelitian Perhubungan MABIS: Manajemen dan Bisnis Ecces: Economics, Social, and Development Studies Warta Penelitian Perhubungan Al-Infaq : Jurnal Ekonomi Islam
Multifiah .
Department Of Economics, Faculty Of Economics And Business, Universitas Brawijaya
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PRAKTIK BANK THITHIL DAN IMPLIKASINYA MENURUT PANDANGAN MASYARAKAT MUSLIM WILAYAH PERKAMPUNGAN BETHEK KOTA MALANG Saputra, Arnanda Aji; Multifiah, Multifiah
IQTISHODUNA IQTISHODUNA (VOL 9, NO 1.
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (253.582 KB) | DOI: 10.18860/iq.v0i0.2279

Abstract

The present study aimed at finding out various practices of Bank Thithil at Bethek Urban Village, Malang, along with the people’s perception and the impact of such practices towards the people’s welfare. Employing qualitative approach, this study focuses on the people’s perception, particularly those belonging to debtors trapped in Bank Thithil, such bank’s creditors, and some local cultural leaders, who lived at Bethek Urban Village, Malang. Data collection was carried out by interviews, observation and documentation. In analyzing the data, Miles Huberman’s analysis was employed which consisted of the following action: collection, reduction, display, and conclusion drawing supported by a phenomenological method which tried to capture and understand the reality. The result showed that Bank Thithil at Bethek Urban Village belonged to an informal financial organization as it was not a legal entity. As a consequence, the creditors may set rules of loan and sanctions without any reference to the legal law of financial organizations in Indonesia. The people’s perception towards Bank Thithil was various; some people felt fine with its practices because they need it and some another people strongly disagreed for some reasons, one is the prohibition on Islamic law.
IDENTIFIKASI MODAL SOSIAL PADA PROGRAM PEMBERDAYAAN MASYARAKAT MISKIN MELALUI DANA ZAKAT, INFAK DAN SEDEKAH Agustin, Atut Frida; Ashar, Khusnul; Multifiah, Multifiah
IQTISHODUNA IQTISHODUNA (VOL 9, NO 1.
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (430.981 KB) | DOI: 10.18860/iq.v0i0.2277

Abstract

Paradigma based on this research is naturalistic paradigm sourced from phenomenologist which more criticize on positivism approach which considered to rigid, black and white, also toomuch obeying the concept. According to knowledge paradigm an social science also problem to be answered in this research, the research uses qualitative approach. The research finding are: 1) people empowerment in Sumberoto village based on Islamic religious values, they are believing, purity, and ukhuwah islamiah (Islam brotherhood). This model is also built by trust and norm (rule) in society with reciprocal relations. While system used is network, with voluntary, similarity, freedom, and civilization, moved by proactive all empowerment management. 2) moral value reflected in social capital and religious value has played role in producing poor people empowerment model more fair, independence, honorable, and continued without losing humanity. That’s the poor people empowerment model which became this research’s thesis.
Analisis Korelasi Mobilitas Penduduk dan Sosioekonomi Terhadap Kepemilikan Kendaraan [The Correlation Analysis of Population Mobility and Socio-economic Aspects of Vehicle Ownership] Kusuma, Candra Aji; Multifiah, Multifiah; Syafitri, Wildan
Warta Penelitian Perhubungan Vol. 30 No. 2 (2018): Warta Penelitian Perhubungan
Publisher : Sekretariat Badan Penelitian dan Pengembangan Perhubungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (894.952 KB) | DOI: 10.25104/warlit.v30i2.830

Abstract

The tourism development either the nature conservation or the local attractions in the urban agglomeration causes the increase in economic growth. The development of destination zones impacts the surrounding areas that are interested in joining the main activities which can cause the high population mobility and the transportation facility. It also affects the trend of vehicle ownership which increases every year. This study aims to find out the effect of population mobility and the socio-economic aspect on the vehicle ownership in the agglomeration areas. The analyses used in this study were descriptive quantitative and Chi-Square analysis to examine the correlation and the effect of the two variables. The result of this study shows that the age factor does not significantly influence the vehicle ownership. Moreover, the factor of marriage, education, and income influence significantly to the vehicle ownership. The higher the income and the education, the higher the tendency to own the private vehicle.Keywords: Correlation analysis, population mobility, socio-economic aspect, vehicle ownership AbstrakPerkembangan pariwisata baik kawasan wisata konservasi alam maupun atraksi pada daerah aglomerasi perkotaan berakibat meningkatnya pertumbuhan ekonomi. Berkembangnya zona tujuan berakibat pada daerah sekitar yang tertarik untuk bergerak ke pusat kegiatan yang menyebabkan tingginya mobilitas penduduk dan sarana transportasinya. Hal ini juga berdampak pada tren kepemilikan kendaraan yang meningkat setiap tahunnya. Kajian ini bertujuan untuk mengetahui pengaruh mobilitas penduduk dan aspek sosio-ekonomi terhadap kepemilikan kendaraan di wilayah aglomerasi. Analisis yang digunakan yaitu analisis deskriptif kuantitatif dan analisis chi-square untuk menguji hubungan dan pengaruh dua variabel. Hasil kajian ini diperoleh bahwa faktor usia tidak berpengaruh signifikan terhadap kepemilikan kendaraan. Faktor perkawinan, pendidikan, dan pendapatan berpengaruh signifikan terhadap kepemilikan kendaraan. Semakin tinggi pendapatan dan pendidikan seseorang, maka semakin tinggi pula kecenderungan untuk memiliki kendaraan pribadi.Kata kunci: Analisis korelasi, mobilitas penduduk, aspek sosio-ekonomi, kepemilikan kendaraan.
Menelusur Struktur Pasar Pada Kontrak Informal di Sentra Industri Brem Sabrina Mufidha; Multifiah Multifiah; Dias Satria
EcceS (Economics, Social, and Development Studies) Vol 6 No 2 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ecc.v6i2.11014

Abstract

Fenomena unik terkait kontrak informal yang terjadi di Sentra industri brem yaitu produsen besar yang telah menguasai pasar dapat menentukan arah pasar sesuai keinginan. Akibatnya banyak produsen kecil gulung tikar karena adanya persaingan tidak sehat dengan harga yang berlaku. Disisi lain, produsen besar dapat melebarkan sayap dengan melakukan kontrak informal bersama distributor dan agen. Dalam kontrak, distributor memiliki peran yang besar dalam memasarkan produk brem sehingga dapat menerima hasil produksi brem hingga beberapa produsen dengan harga ditetapkan. Oleh karenanya, penelitian ini bertujuan mengetahui proses terbentuknya struktur pasar dalam hubungan kontrak informal antar pelaku usaha. Penelitian ini menggunakan metode kualitatif dengan pendekatan fenomenologi. Hasil penelitian menunjukkan bahwa berdasarkan hasil telusur terdapat praktik oligopoli dan oligopsoni dalam proses pemasaran brem tersebut sehingga mengakibatkan inefisiensi bagi pelaku usaha yang terlibat dalam kontrak. Saran yang dapat penulis berikan untuk menciptakan kondisi pasar yang baik yaitu pemerintah perlu membentuk kartel dan istana brem di lingkungan sentra industri. Kata kunci: Kontrak Informal, Sentra Industri brem, Struktur Pasar.
Manajemen Lembaga Zakat di mata Muzakki Multifiah -
Jurnal Aplikasi Manajemen Vol 8, No 3 (2010)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1460.168 KB)

Abstract

The aim of this research is to analyze muzakki perception towards management of Zakah Managing Institution (ZMI). Primary data is obtained from common muzakkies and those distributing their zakah by means of the ZMI, the YDSF and the BMH. Analysis is conducted by using qualitative method. Reasearch results reveal that there are three kinds of muzakkies in relation with their assessment of ZMI management. They are (1) muzakkies assessing that ZMI management is good, sincere and professional so that muzakkies distribute their zakah by means of ZMI, and this is the same with what was conducted by Rasullullah SAW, the Prophet; (2) muzakkies trusting and assessing that ZMI management is professional and transparent enough, but distribute a share of their zakah by means of ZMI and for some reasons distribute the other share to mustahiks directly; and (3) muzakkies assessing ZMI management is neither transparent nor professional so that they do not trust the ZMI management, and prefer to distribute their zakah directly to the mustahik.Keywords: Zakah, Zakah managing institution (ZMI) , muzakki, mustahik
Manajemen Nilai-nilai Islami dalam Kehidupan Rumah Tangga Miskin di Malang Multifiah -
Jurnal Aplikasi Manajemen Vol 9, No 2 (2011)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1034.391 KB)

Abstract

This research is aimed at discovering implementations of culture/ Islamic values like faith, understanding & behaviour on ZIS, and knowledge about poverty toward behaviour of extreemly poor families of Malang regency. Results of this research indicates that there is inconsistency between respondent’s understanding about culture/Islamic values with their implementations in daily lives. Scores of faith, understanding & behaviour on ZIS and high knowledge about poverty, do not exist in their real lives. Theoritically, the higher score of culture/Islamic values a man has the more productive he is. Practically income of respondents having representation of productivity lies below both minimum wages and Malang average income. This means that religion knowledge has no influence on their economic traits (as an evidence of their obeydience to Allah), they should be more productive for hard work represents the highest Islamic score in the presence of Allah SWT.Keywords: Baitul Maal, zakah, infaq, shadaqah, mustahik, muzakki, taqwa
Agency Problem and Its Enforcement In Funding Mudharabah: Study of Baitul Maal wa Tamwil Usaha Gabungan Terpadu Sidogiri, Malang Branch Multifiah Multifiah; Asfi Manzilati; Laili Hurriati
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 (509.253 KB) | DOI: 10.21776/ub.ijleg.2015.001.01.7

Abstract

This research aims to: (1) Find out the mechanism of funding mudharabah on BMT UGT Sidogiri, Malang branch. (2) Analyze the emergence of agency and its enforcement in funding mudharabah on BMT UGT Sidogiri Malang branch. Qualitative approach was used in this research method using a case study. Research findings show that: (1) There is no appropriateness of mechanism application of shared profit in terms of its requirement and its payment related to its decision of shared profit as it does not conform to DSN-MUI’s fatwa and concept as well as sharia economist’s opinion. (2) The presence of agency issue which is adverse selection encountered by BMT UGT as it is related to customer’s character which is unpredictable as well as the presence of moral hazard in the form of unconformity of financial use available in contract. This results from BMT’s incapability of doing intensive watch. (3) The enforcement already performed was by monitoring via direct interaction and giving intensives in the form of limitation decided by BMT UGT such as a long term restriction and the amount of funding.Keywords: theory of agency, enforcement, mudharabah, BMT
The Farming Land Tenure by Corporation: People’s Economic Rights Protection Perspective Multifiah Multifiah; Marlina Ekawaty; Debby Radina Herdiastiti
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 (586.946 KB) | DOI: 10.21776/ub.ijleg.2015.001.01.4

Abstract

Recruitment is a series of events to find and attract job applicants motivation, ability, skills and knowledge required in order to cover the flaws identified in the staffing plan. In most of the industrial age, family networks continue to complement the main base manpower recruitment. The purpose of this study is to determine the role of social capital networks as a method of recruitment. The analysis method used is descriptive qualitative approach. "Contacts " in the network to help job seekers with a very effective way to find new jobs. Social capital is measured by the extent of the network - a network of friends. Bridging social capital a person enters the labor market as well as those who are still unemployed . Salt cellar is one of the cigarette industry that leverage social capital networks in recruitment method. In addition to family networks, private networks in each individual also profitable. On the side of the ladder for example. Size of personal networks of individuals have a positive influence and should be counted on the possibility of getting a job. Private network through friends, neighbors and contacts also help candidates salt warehouse laborers to enter the enterprise. In conclusion, the significant role of social capital networks in recruitment in PT Gudang Garam Tbk Kediri, East Java. Skipped Network is friendship, family, and " contact" (personal networks).
ANALISIS SEGMENTASI POST-HOC PELUMAS 4T DAN HUBUNGAN ATRIBUT-ATRIBUT PELUMAS 4T DENGAN KARAKTERISTIK DEMOGRAFI PELANGGAN DI SURABAYA Jenu Widjaja Tandjung; Armanu Toyib; Multifiah .
Journal of Management and Business Vol 5, No 1 (2006): MARCH 2006
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (9231.721 KB) | DOI: 10.24123/jmb.v5i1.186

Abstract

A competition of 4T oil business is growing up. It can be seen from the increasing of a number of producers that have NPT (registered oil number). Customers will have more choices selecting many trademarks of 4T oil. To come out on top of this competition, the oil producers need to know oil attributes that influence customer choosing trademarks of 4T oil.This study wants to know the relationship between customer demography based on age, income, education level, sex and occupation with the choosing of 4T oil attributes. Besides, it is also to know the oil attributes that have strong relationship with characteristics of customer demography. The researcher also wants to know the relationship of customer demography of 4T oil with 4T oil post-hoc segmentation.This study focuses on 4T oil with motorcycle owners who change 4T oil in the garages in city area of Surabaya as samples. In taking sample, rescuer used accidental sampling with 168 people as respondents. Respondent characteristic is limited on demographically characteristic. Besides using primer data, it also used secondary data which taken from tabloid of Marketing, Jawa Pos, Badan Pusat Statistik, Indommercial and Bulletin Dirjen Migas. Scale and measurement that are used in this study is Likert Scale. Whereas, researcher used correlation of Rank Spearman and CHAID (Chi-Square Automatic Interaction Detection) as method of data analysis.The interesting result of this study is the choosing of 4T oil attributes in relation with characteristic of demography that is age, income, education, and occupation. Whereas, sex is not in relation with the choosing of 4T oil attributes. Besides, the customers of 4T oil tend to be rational that is taking more consideration on quality, acceleration of machine and oil endurance comparing with appearance and price.
The Effect of Merchant Characteristics and Religious Tour Visits as a Moderating Variable to Merchant Revenues (Study in Sunan Ampel Religious Tourism Area, Surabaya) Alfi Muflikhah Lestari; Multifiah Multifiah; Arif Hoetoro
Journal of Indonesian Tourism and Development Studies Vol. 6 No. 1 (2018)
Publisher : Program Pascasarjana

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

Abstract

This study aims to determine the influence of merchant characteristics based on age, education, capital, years in business and labor to the income of merchants and to know the effect of religious tourism as moderating variable that influences the Sunan Ampel religious tourism area of Surabaya. This research used simple random sampling technique with 70 merchants as respondent. Data were analyzed using moderation regression with interaction method. The results showed age, capital and labor have a significant effect on the merchant's income while the years in business and education have no significant effect on the merchant's income. The result of research on religious tourism visit as moderating variable shows religious tourism visit has a moderating effect on the relationship of age, capital and business time to the merchant's income. On the other hand, this variable has no moderating effect on the relation of labor and education to the merchant's income.Keywords: age, capital, education, labor, religious tourism, the income of merchants, years in business.
Co-Authors Ahmad Syatir Alfi Muflikhah Lestari Arif Hoetoro Armanu Toyib Arnanda Aji Saputra Asfi Manzilati Atut Frida Agustin Candra Aji Kusuma Debby Radina Herdiastiti Debby Radina Herdiastiti, Debby Radina Dias Satria Jenu Widjaja Tandjung Khusnul Ashar Kusuma, Candra Aji Laili Hurriati Marlina Ekawaty Rofai, Yuli Sabrina Mufidha Syatir, Ahmad Umar Burhan, Umar Wildan Syafitri