Article Per Year (5 Year)
p-Index From 2021 - 2026
1.779
P-Index
This Author published in this journals
All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekuilnomi J-ESA (Jurnal Ekonomi Syariah) Taroa : Jurnal Pengabdian Masyarakat Journal of Ekonomics, Finance, and Management Studies
Rafiuddin Rafiuddin
Universitas Muhammadiyah Bima
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Other

Published : 14 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 14 Documents
Search

 1   2 
Analisis Manajemen Pengumpulan dan Pendistribusian Zakat di BAZNAS Kabupaten Bima Ditha Alfikroh; Rafiuddin; M. Rasyad Al Fajar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i12.9483

Abstract

This study was conducted to determine how the management of zakat collection and distribution is implemented at the National Zakat Agency (BAZNAS) in Bima Regency and to analyze the inhibiting and supporting factors of zakat collection and distribution at BAZNAS in Bima Regency. This study used a qualitative method with primary and secondary data sources. Primary data were obtained directly from the research object through interviews, while secondary data were used to support and strengthen the primary data. Thus, this study can obtain a more comprehensive and in-depth picture of the phenomenon under study. Secondary data sources were obtained from journals, books, reports, and other documents relevant to the research topic, to support and enrich the primary data obtained through interviews. The combination of primary and secondary data allows this study to provide a more complete and accurate picture of the phenomenon under study. The research results show that the National Zakat Agency (BAZNAS) of Bima Regency has developed a comprehensive zakat management system through a structured approach based on regulations, technology, and empowerment programs. The productive zakat model, with rigorous selection and ongoing mentoring, has successfully transformed mustahik into muzakki, reflecting Islamic distributive justice. However, challenges remain, ranging from low zakat literacy among the community, suboptimal coordination with the Zakat Management Unit (UPZ), to limited human resources and geographic limitations. On the distribution side, obstacles arise in the management of the still-nascent productive zakat system, the accuracy of fund allocation, and the misuse of aid. Nevertheless, BAZNAS has a strong foundation through its professional zakat collection system for civil servants (ASN), which generates Rp210 million per month thanks to the support of the Mayor's regulations. Innovations such as a digital database, a participatory approach, and simplified selection criteria demonstrate the commitment to system development. By combining existing strengths with creative solutions, BAZNAS of Bima Regency has the potential to become an effective zakat management model with a real impact on poverty alleviation.
THE ROLE OF DISKOPERINDAG IN SUPPORTING THE SUSTAINABILITY OF MSME IN BIMA CITY Siti Fatimah; Rafiuddin Rafiuddin; Muhammad Rasyad Al Fajar
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.11077

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in supporting economic growth, creating jobs, and improving community welfare. In Bima City, the MSME sector has experienced rapid growth, with the number of business units increasing significantly in recent years. However, despite having great potential, MSMEs in Bima City still face various challenges, such as limited access to capital, lack of use of digital technology, and low competitiveness against products from outside the region.This study aims to analyze the role of the Cooperatives, Industry, and Trade Service (Diskoperindag) of Bima City in empowering MSMEs to improve the sustainability and competitiveness of their businesses. The research method used is a qualitative approach with data collection techniques through interviews, observations, and literature studies. The results of the study show that Diskoperindag of Bima City has various strategic programs in supporting MSMEs, including business management training, digital marketing, product innovation, and facilitation of access to People's Business Credit (KUR) and business certification. In addition, collaboration with financial institutions and product promotion through exhibition events also contribute to expanding the MSME market.However, there are several obstacles in the implementation of the program, such as budget constraints, lack of ongoing assistance, and low awareness of MSME actors regarding the benefits of the available programs. Therefore, it is necessary to increase the effectiveness of the empowerment program through optimizing coordination between the government, business actors, and related stakeholders. In conclusion, the Bima City Trade and Industry Office plays an important role in improving the sustainability of MSMEs, but further efforts are still needed to overcome the challenges faced so that the MSME sector can develop more optimally and be highly competitive
THE ROLE OF BANK SYARIAH INDONESIAN (BSI) IN IMPROVING THE QUALITY OF LIFE OF FARMERS IN TOLOWATA VILLAGE, AMBALAWI DISTRICT, BIMA REGENCY Nuralfulailah Nuralfulailah; Rafiuddin Rafiuddin; Syarif Hidayatullah
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.11144

Abstract

This study aims to examine the role of Bank Syariah Indonesia (BSI) in improving the quality of life of farmers in Tolowata Village, Ambalawi District, Bima Regency. The background of this study is based on the fact that the majority of the village community depends on the agricultural sector, but faces various obstacles such as limited access to capital, technology, and financial literacy. The presence of BSI as a sharia-based financial institution is a potential solution in empowering the economy of farmers through interest-free financing schemes, such as mudharabah, musyarakah, and qardhul hasan. This study uses a descriptive method with a qualitative approach. Data collection techniques are carried out through in-depth interviews, non-participatory observation, and documentation studies, with data validation through source and method triangulation techniques. The main informants consist of farmers receiving financing, BSI employees, and local community leaders. Data are analyzed through the stages of reduction, presentation, and drawing conclusions and verification. The results of the study show that BSI not only provides fair and sharia-compliant financing access, but also provides financial training, technical assistance, and encourages the formation of community-based farmer institutions. This contribution has a significant impact on increasing farmers' income, productivity, and spiritual awareness. However, there are a number of obstacles faced by BSI in implementing the program, such as low Islamic financial literacy, limited infrastructure, weak farmer institutions, and lack of synergy with related parties at the local level. Thus, optimizing BSI's role in improving the quality of life of farmers requires a collaborative approach, strengthening local institutional capacity, and a sustainable strategy in Islamic financial education.
ENHANCING LOCAL INNOVATION : THE ROLE OF MSMES IN BUILDING GLOBAL ECONOMIC RESILIENCE Abdul Hafid; Rafiuddin Rafiuddin; Dinah Husniah
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.11186

Abstract

This study aims to examine the role of Micro, Small, and Medium Enterprises (MSMEs) in improving the local economy in Madawau Village, Madapangga District, Bima Regency. MSMEs are one of the sectors that have a major contribution to national and local economic growth, especially in creating jobs, increasing community income, and encouraging village economic independence. The research approach used is qualitative with a phenomenological design, through in-depth interviews and observations of MSME actors and the local community. The results of the study show that MSMEs in Madawau Village are able to increase community income by 20-30% per year, create jobs, and encourage innovation and creativity in the village community. However, the development of MSMEs in this village still faces challenges both internally, such as limited capital, skills, and business management, and externally, such as market competition and access to financing. Therefore, support is needed from the government, financial institutions, and community participation in strengthening the MSME ecosystem so that it can become a driving force for a sustainable local economy. 
Co-Authors Abdul Hafid Abdus Sahid Adi Wahyudin Dinah Husniah Ditha Alfikroh Ibrahim Ibrahim Imansyah Imansyah Irfan Jaya Ismail Ismail Jumiati Lukman Lukman M. Rasyad Al Fajar Muhammad Rasyad Al Fajar Muhammad Rasyad Al-fajar Muhammad Sya’aban Mukrabin Mukrabin Nuralfulailah Nuralfulailah Nurfadilah Rahmah Siti Fatimah Syahril Ramadhan Syarif Hidayatullah Taman Firdaus Ulhaq, Muhammad Zia Yuliati Mirandani