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Strategi Meningkatkan Kesejahteraan Masyarakat Berbasis Masjid : (Studi Pada Masjid Baitul Mukminin Gedangan Sidoarjo) Mustofa Mustofa
Al-Buhuts Vol. 16 No. 1 (2020): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

The purpose of this study was to determine and analyze how the strategy of the mosque in improving the welfare of the community in Gedangan District, Sidoarjo Regency? and how to increase the welfare of the community at the Baitul Mukminin Mosque, Gedangan District, Sidoarjo Regency? This type of research is descriptive qualitative, this research is classified as field research or field research. The data collection techniques used interviews, observation and documentation. Meanwhile, the data analysis technique uses the Miland Huberman model based on data reduction analysis, display data and conclusion drawing. The results of this study concluded that (1) the strategy carried out by the Baitul Mukminin Mosque to improve the welfare of the community was to form the Dhuafa Crisis Center '(CCD). There are several programs being developed, namely: (a) BAMBU (Entrepreneurial Capital Assistance); (b) PASTA (Love Dhuafa Staple Food Package '); (c) SANTAN (Education Support for Orphans); (d) DAHSYAT (Community Health Fund); (e) SEDAP (Responsive Alms); (f) MAXIFA (Lunch with Dhuafa`); (g) SAJIAN (Teacher's Benefits of Koran); and (h) Humanitarian Post. (2) From the programs run by the Crisis Center Dhuafa ', it can be seen that there is an increase in welfare that is felt by the community. The form of increased welfare is an increase in income, reduced consumption expenditure, ease of accessing health services, ease of continuing education, ease of getting a place. living and living facilities. The Dhuafa Crisis Center '(CCD) is expected to be able to maintain and develop the program optimally both in terms of raising funds and distributing it so that more and more people will be prosperous.

Index Kepuasan Pelanggan Anggota KSPPS Muamalah Berkah Sejahtera Perspektif Maqashid Al-Syari’ah Mustofa Mustofa; Afiyatul Mahfudloh Faiz
Al-Buhuts Vol. 17 No. 1 (2021): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This study aims to answer the question of how big is the customer satisfaction index on service quality at KPPS Muamalah Berkah Sejahtera in the perspective of Maqashid al-Syariah. The method used in this research is descriptive quantitative, the sample used is 60 people using simple random sampling technique, data collection using questionnaires and literature, while the analytical test used is the Customer Satisfaction Index (CSI) test. The results of this study indicate that the level of customer satisfaction of KKSP Muamalah Berkah members shows a satisfaction level of 87.28%, this value is in the very satisfied category. The satisfaction level of the members of the Muamalah Berkah Sejahtera KSPPS when viewed from each principle of maqasid al-Syariah gets very satisfied with the value of the CSI calculation results at a percentage level in the range of 80-100%. Of the five principles of maqasid al-Sharia, the highest value is hifdzu al-Din with a CSI value of 90.29%. Based on the results of this study, it is recommended that KSPPS Muamalah Berkah Sejahtera maintain the attributes that have been used so far and always evaluate and innovate in serving customers so that customers always feel comfortable and satisfied with their services.

Advantages of Dinar and Dirham and Profit Sharing System In Monetary Policy Zakiyyah Ilma Ahmad; Mustofa Mustofa
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 9, No 1: Januari 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v9i1.13306

The research gap as well as the novelty of this research in comparison to previous research is that it discusses the advantages of the profit-sharing system as a better monetary policy that may overcome the monetary crisis caused by the interest rates. This study analyzed the advantages of the dinar and dirham as well as the profit-sharing on monetary policy. This study proved that the dinar and dirham and the profit-sharing are solutions to the economic crisis.Under the qualitative approach, library research was carried out by collecting information related to the monetary crisis in 1998 and 2008 caused by currencies and interest rates. The advantages of the dinar and dirham, as well as profit-sharing, were analyzed. This study revealed that the monetary crisis greatly impacted the economy from 1997 to 1998 and in 2008, one of which was caused by the instability of exchange rates and interest rates. This study suggests that monetary policy should be reconsidered, as it was during the Prophet's time, by using dinar and dirham as fixed and stable mediums of exchange, as well as a profit-sharing system that avoids interest-rate speculation and takes advantage of dinar and dirham and the profit-sharing system.

Pendapatan Negara Antara Konvensional Dan Islam Aqif Khilmia; Mustofa Mustofa
Al-Buhuts Vol. 18 No. 1 (2022): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v18i1.2484

The purpose of this study is to understand the significant differences between the pattern of state income in conventional and in Islam. The research method used is library research with a descriptive approach. That is describing state income between conventional and Islamic. Sources are taken from various references related to the topic of the problem, namely from books, journals, and other articles. The results of the study conclude that national income in the conventional concept states GDP or Real GNP can be used as a measure of economic welfare (Measure of Economic Welfare). In contrast to Muslim economists, that there are 4 indicators that can be used as a benchmark for community welfare, namely measuring the distribution of household income, production in the rural sector, the welfare of the Muslim community, and the calculation of national income as a measure of Islamic socio-economic welfare. Sources of national income from an Islamic economic perspective include ghanimah, zakat, alms, infaq, ushr, jizyah, kharaj, mining taxes, and waqf. Because these instruments have a very large impact on the welfare of the community.

EFISIENSI PEMBIAYAAN AGRIBISNIS BANK SYARIAH DI INDONESIA PADA MASA PANDEMI COVID-19 Ika Nazilatur Rosida; Muhammad Yazid; Mustofa Mustofa
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): 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.v10i1.13303

The agricultural capital is the main factor in the agribusiness problems.This research employed correlational and descriptive qualitative methods.This research aims to describe the efficiency of the sharia banks inagribusiness financing. Also, it gives the contribution of agribusiness insupporting the economy in Indonesia during covid-19 pandemic. Theresults show that Sharia Bank financing experienced a remarkableincrease during the covid-19 pandemic. Sharia bank financing isconsidered the best choice to deal with fluctuations in the harvest priceand speculation of harvest. The agricultural sector's contribution to theeconomy has always increased during the covid-19 pandemic.

ANALISIS SWOT DISRUPTIF SOCIETY 5.0 : HUMAN RESOURCE MANAGEMENT MEWUJUDKAN PERTUMBUHAN EKONOMI Zakiyyah Ilma Ahmad; Mustofa Mustofa
Procuratio : Jurnal Ilmiah Manajemen Vol 10 No 4 (2022): Procuratio : Jurnal Ilmiah Manajemen
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/procuratio.v10i4.2259

Human Resource Management is faced by the Disruptive Society 5.0 which will indirectly relate to the performance of human resources and the final effect will be related to economic growth. This study aims to analyze using a SWOT analysis tool to formulate strategies for human resource management. This study uses descriptive qualitative research methods to analyze the social condition of human resources. The findings in this study are the most important strategy to do is WT Strategies, namely an effort to maintain human resource management from weaknesses and threats that occur. it is necessary to conduct research from various perspectives to find out what the state needs through the vision of society 5.0 and the capabilities of the state. Support from the government is needed, both research support, trial application of research results and funds for research allocation. In order for the vision of society 5.0, especially to realize economic growth to be successful and not have an impact on human resources themselves, which will directly relate to the welfare of the community, it is not merely implementing Trend Society 5.0. Human Resource Management dihadapi oleh adanya Disruptif Society 5.0 yang secara tidak langsung akan berhubungan dengan kinerja sumber daya manusia dan pengaruh akhir akan berhubungan dengan pertumbuhan ekonomi. Penelitian ini bertujuan untuk menganalisis menggunakan alat Analisis SWOT untuk merumuskan startegi yang dilakukan manajemen sumber daya manusia. Penelitian ini menggunakan metode penelitian kualitatif deskriptif untuk menganalisis keadaan sosial sumber daya manusia. Hasil temuan pada penelitian ini adalah strategi yang paling penting dilakukan adalah WT Strategies yakni usaha untuk mempertahankan manajemen sumber daya manusia dari kelemahan dan ancaman yang terjadi. perlunya dilakukan research dari berbagai persepktif untuk mengetahui apa yang dibutuhkan negara melalui visi society 5.0 dan kemampuan yang dimiliki negara. Diperlakukan dukungan dari pemerintah baik dukungan research, uji coba pengaplikasian hasil research maupun dana untuk alokasi research. Agar visi society 5.0 terutama untuk mewujudkan pertumbuhan perekonomian menjadi berhasil dan tidak berdampak bagi sumber daya manusia sendiri yang secara langsung akan berhubungan dengan kesejahteraan masyarakat tidak semata – mata hanya melaksanakan Trend Society 5.0.

ANALISIS EKONOMI ISLAM TERHADAP PEMUNGUTAN PAJAK PENGHASILAN (Pph 21) AGUSTIN MILA ARLINA; MUSTOFA MUSTOFA; AHMAD AGUS HIDAYAT
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023): Januari - Juni 2023
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v8i1.770

Income tax (PPh 21) is a mandatory payment, related to the gain that a person receives from a person's work, service, or activity. Income tax is collected based on a progressive levy rate that adjusts the amount of the taxpayer's income, the greater the income, the greater the percentage of levy imposed. In this study, it shows that the determination of progressive income tax rates (PPh 21) is obtained from the perspective of equality and benefit, and income tax (PPh 21) achieves 3 out of 4 tax accumulation principles (dharibah) in the Islamic economy as a result of which income tax is taken from the obligatory tax allowed.

Implementasi Islamic Wealth Management Dalam Mengembangkan UMKM (Studi Kasus Seblak Prasmanan Manggung Gajah Mojokerto) Regita Okti Nurmaulida; Mustofa Mustofa
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.v9i3.9882

MSMEs are one of the drivers of the economy in Indonesia. In its implementation, there are still many factors that cause MSMEs to still be able to develop as expected. Among them are constraints regarding the knowledge possessed by business managers, as well as related to their ability to manage their finances or business income. This research uses qualitative methods by combining field research and literature research. This study aims to examine the importance of managing wealth in MSMEs from a sharia perspective and to examine how Seblak Buffet Manggung Gajah Mojokerto implements Islamic Wealth Management in its business. The results of the research are in accordance with the stages in Islamic Wealth Management applied to MSMEs Seblak Buffet Manggung Gajah starting from the acquisition or creation of wealth, increasing wealth, protecting wealth, refining wealth and distributing wealth.

Optimalisasi Peranan Financial Technology (Fintech Sharia) Menuju Era Digitalisasi Koperasi: (Optimizing the Role of Financial Technology (FintechSharia)Towards the Cooperative Digitalization Era) Siti Rukmana; Mustofa Mustofa
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 9 No. 1 (2022): e-JEBA Volume 9 Number 1 Year 2022
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v9i1.29119

This study aims to find out how to optimize the role (Fintech Sharia) towards the era of cooperative digitalization. Design this research is a descriptive qualitative research. The type of data in this study uses secondary data. Sources of data were obtained through the OJK website, Bank Indonesia, books, internet, social media, laws and regulations as well as information from the Ministry of Cooperatives and SMEs RI. The research method used is library research. Cooperatives are expected to be able to compete with financial institutions such as banks. Cooperatives must also have mobile application services that offer a variety of products, both in terms of raising funds, providing financing, payment features, and purchases that can be utilized by members so that members can be loyal and able to contribute to the cooperative. Based on the definition of Fintech Lending according to OJK Legal entities or cooperatives can act as Fintech Lending providers that have a systematic application of loan transaction mechanisms online, through web websites or applications. Cooperatives should take advantage of this momentum to create financial technology applications that can be used by members and obtain permits and be registered with OJK. This financial technology momentum can make the Cooperative's strategy to increase or recruit members with the advantages of financial technology (fintech) that is trusted and does not harm members, but instead members can benefit from the distribution of the remaining operating results from the cooperative.

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