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All Journal Akademika Jurnal Multidisiplin Sahombu
Akmalur Rijal
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Religion Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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STUDI PENGELOLAAN ZAKAT PRODUKTIF PADA LEMBAGA AMIL ZAKAT NAHDLATUL ULAMA KABUPATEN LAMONGAN Moh. Ah. Subhan ZA; Akmalur Rijal
Akademika Vol 15, No 2 (2021): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v15i2.673

Abstract

The purpose of zakat to develop the social economic value of society is difficult to materialize if there is no active role of zakat managers (amil) who are required to be professional and innovative in managing zakat funds. The main function of the amil zakat institution lies in the activities of collecting, distributing, and utilizing zakat. The activity of collecting zakat in the history of Islam, is an activity or effort of amil in collecting zakat by picking up or taking from the place of amil. In addition to taking zakat, the amils who are in charge of taking zakat must also pray for those who pay zakat.This study aims to determine the implementation of productive zakat fund management and empowerment of the poor on zakat funds that are given by LAIZSNU Lamongan. By using the case study method, so as to be able to photograph how LAZISNU Lamongan's performance is in managing productive zakat funds . Lazisnu Lamongan has 3 zakat distribution programs, namely humanitarian, health and economic assistance. The mustahik empowerment program is included in the economic assistance program.
Analysis of the Level of Sharia Financial Literacy in Muslim Msmes in the Aloon-Aloon Area of Lamongan Regency Tsaniah Lailatul Arofah; Akmalur Rijal; Luthfillah, Mohammad
Jurnal Multidisiplin Sahombu Vol. 5 No. 5 (2025): Jurnal Multidisiplin Sahombu, July - August (2025)
Publisher : Sean Institute

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Abstract

This research is entitled Analysis of Sharia Financial Literacy Levels in Moslem UMKM in the Alun-Alun Area of Lamongan Regency using qualitative field research and methods and descriptive analysis, the aim of this research is to find out level of sharia financial literacy among Moslem UMKM in the Lamongan Regency square area. The results of this research show that the sharia financial literacy level of moslem UMKM in the Lamongan Regency square area is classified as less literate with an average percentage of 71/7%. This study uses 4 dimensions, namely basic knowledge of sharia finance, share savings and loans, sharia insurance and sharia investment, with average results in each aspect, namely : basic knowledge of sharia finance 84%, sharia savings and loans 62.7%, sharia insurance 68% and sharia investment 72%.
Strategi Penanganan Strategi Penanganan Pembiayaan Bermasalah Pada Produk Pembiayaan Ijarah Paralel di KBSU Tikung Lamongan Miftahal Anjarsabda Wira; Moh. Ah. Subhan ZA; Akmalur Rijal; Zuliana; Alfina Maulidya Hidayatul Magfiroh
Akademika Vol 19 No 2 (2025): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v19i2.2645

Abstract

Pembiayaan bermasalah masih menjadi tantangan signifikan bagi lembaga keuangan mikro syariah, termasuk pada produk Ijarah Paralel, yang menuntut keseimbangan antara kepatuhan syariah dan efektivitas manajemen risiko. Penelitian ini bertujuan untuk menganalisis faktor penyebab serta strategi penanganan pembiayaan bermasalah pada produk Ijarah Paralel di KSPPS Bina Syariah Ummah Tikung, Lamongan. Menggunakan pendekatan kualitatif dengan desain studi kasus, data diperoleh melalui wawancara mendalam, observasi partisipatif, dan dokumentasi lembaga. Hasil penelitian menunjukkan bahwa pembiayaan bermasalah terutama disebabkan oleh faktor eksternal, seperti kesulitan ekonomi anggota, kematian anggota, dan pelarian nasabah. KSPPS Bina Syariah Ummah menerapkan empat strategi penanganan, yaitu pendekatan kekeluargaan, penagihan aktif, penyitaan jaminan, dan penjualan jaminan, dengan prinsip ukhuwah dan keadilan sebagai landasan utama. Strategi tersebut tidak hanya berfungsi untuk pemulihan keuangan, tetapi juga mencerminkan nilai-nilai etika Islam dalam menjaga keberlanjutan lembaga. Temuan ini memberikan kontribusi teoretis terhadap pengembangan model manajemen risiko berbasis nilai syariah serta implikasi praktis bagi penguatan kebijakan mitigasi pembiayaan bermasalah pada lembaga keuangan mikro syariah
Co-Authors Alfina Maulidya Hidayatul Magfiroh Luthfillah, Mohammad Miftahal Anjarsabda Wira Moh. Ah. Subhan ZA Tsaniah Lailatul Arofah Zuliana