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The Survival Strategy of Halal Tourism in Covid-19 Pandemic Era Muawanah Muawanah; Nur Dinah Fauziah; Mohamad Toha; Agnes Cahyatria Manaku
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 2 (2021): Sharia Economic: January, 2021
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i2.1104

Halal tourism has great potential for the Indonesian economy and is currently trying to defend its sector from the Covid-19 or corona virus outbreak. Covid-19 is one of the outbreaks that has been declared a pandemic because it is a global disease spreading very quickly. Covid-19 is a new virus originated in Wuhan, China in 2019 and has spread to almost all countries in the world, including Indonesia. The impact of this virus is felt by everyone in the world. It even threatens all sectors that affect the economy. Among these sectors is halal tourism. Therefore, the halal tourism sector is currently preparing a strategy to stay afloat even in situations and conditions like this as a preparation for the post-Covid-19. The strategy of the Indonesian state in maintaining halal tourism is to prioritize improving destinations, preparing budget support from cooperation with halal tourism, providing mitigation SOPs, strengthening regulations for tourists from abroad entering Indonesia.

The Effect of Mudharabah, Musyarakah, Murabahah Finance on Return on Asset (ROA) Diah Syifaul A'yuni; Nur Dinah Fauziah; Purwanto Purwanto
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Bank is a financial institution whose main activity is to collect funds from the public and then distribute these funds back to the community. The purpose of this study was to determine the effect of Mudharabah, Musyarakah, Murabahah financing on Return on Assets (ROA) at Bank Syariah Mandiri for the 2009-2018 period. The dependent variable of this research is Return on Assets. The independent variables include: financing, Mudharabah, Musyarakah and Murabahah. The research method used is a quantitative research method. The data analysis method used multiple linear regression. The results of the study indicate that Mudharabah financing has an effect on Return on Assets (ROA) with a significant level of 0.000 <0.05. Musyarakah financing has an effect on Return on Assets (ROA) with a significant level of 0.010 <0.05. Murabahah financing has no effect on Return on Assets (ROA) with a significant level of 0.210> 0.05. Mudharabah, Musyarakah, Murabahah financing together can influence the dependent variable with a significant value of 0.000> 0.05.

The Role of Muslim Entrepreneurs in Increasing the Welfare of the Sidoarjo Society Siti Hajar; Nur Dinah Fauziah; Diah Syifaul A'yuni
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Ngingas Village is one of the villages that has a metal industrial center and is commonly referred to as a metal village. Ngingas Village itself is located in Waru District, Sidoarjo Regency, East Java Province. This village is neighboring Pandean Village which was formerly the originator of the metal industry. Ngingas became lively because metal production was varied and more in demand. Indeed, the Pandean area itself is a well-known metal-producing productive area in Sidoarjo. Even at a glance, people will not know that Pandean Village and Ngingas Village have the same special industrial center. Ngingas Village is a small, densely populated village whose majority of the population embraces Islam and has the same livelihood, namely working in the home metal industry, so it needs to be explored more deeply, which is research whose data is obtained from the actual location. While the method used is descriptive qualitative, namely the data obtained are presented in the form of interviews, documentation, and triangulation and then described so as to provide clarity.

The Effect of Mudharabah, Musyarakah, Murabahah Finance on Return on Asset (ROA) Diah Syifaul A'yuni; Nur Dinah Fauziah; Purwanto Purwanto
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 2 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i2.18

Bank is a financial institution whose main activity is to collect funds from the public and then distribute these funds back to the community. The purpose of this study was to determine the effect of Mudharabah, Musyarakah, Murabahah financing on Return on Assets (ROA) at Bank Syariah Mandiri for the 2009-2018 period. The dependent variable of this research is Return on Assets. The independent variables include: financing, Mudharabah, Musyarakah and Murabahah. The research method used is a quantitative research method. The data analysis method used multiple linear regression. The results of the study indicate that Mudharabah financing has an effect on Return on Assets (ROA) with a significant level of 0.000 <0.05. Musyarakah financing has an effect on Return on Assets (ROA) with a significant level of 0.010 <0.05. Murabahah financing has no effect on Return on Assets (ROA) with a significant level of 0.210> 0.05. Mudharabah, Musyarakah, Murabahah financing together can influence the dependent variable with a significant value of 0.000> 0.05.

The Role of Muslim Entrepreneurs in Increasing the Welfare of the Sidoarjo Society Siti Hajar; Nur Dinah Fauziah; Diah Syifaul A'yuni
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 1 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i1.28

Ngingas Village is one of the villages that has a metal industrial center and is commonly referred to as a metal village. Ngingas Village itself is located in Waru District, Sidoarjo Regency, East Java Province. This village is neighboring Pandean Village which was formerly the originator of the metal industry. Ngingas became lively because metal production was varied and more in demand. Indeed, the Pandean area itself is a well-known metal-producing productive area in Sidoarjo. Even at a glance, people will not know that Pandean Village and Ngingas Village have the same special industrial center. Ngingas Village is a small, densely populated village whose majority of the population embraces Islam and has the same livelihood, namely working in the home metal industry, so it needs to be explored more deeply, which is research whose data is obtained from the actual location. While the method used is descriptive qualitative, namely the data obtained are presented in the form of interviews, documentation, and triangulation and then described so as to provide clarity.

Analisis Mekanisme Pambiayaan Qardhul Hasan Pada Bank Wakaf Mikro Al Fithrah Wava Mandiri Surabaya Nadya Khoirun Nisa; Nur Dinah Fauziah; Sundari
AL-UJRAH Vol 1 No 2 (2023): Juni
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Pemerintah bersama Otoritas Jasa Keuangan membuat inovasi bernama “Bank Wakaf Mikro” sebagai upaya meningkatkan pertumbuhan ekonomi masyarakat. Dalam operasionalnya BWM hanya melakukan penyaluran dana berupa pembiayaan kepada masyarakat yang bertempat tinggal di sekitar pesantren. Salah satu produk pembiayaannya adalah qardhul hasan. Pembiayaan tersebut digunakan untuk tambahan modal guna mengembangkan usaha kecil para nasabah. Penelitian ini bermaksud untuk mengetahui bagaimana mekanisme pembiayaan qardhul hasan di BWM Al Fithrah Wava Mandiri Surabaya. Jenis penelitian yang diterapkan di dalam penelitian ini adalah kualitatif deskriptif dengan tempat penelitian di Bank Wakaf Mikro Al Fithrah Wava Mandiri yang terletak di jalan Kedinding Lor gang Kemuning 1 No. 8-A, Kecamatan Kenjeran, Kota Surabaya. Penelitian ini dilakukan dengan terjun langsung ke lapangan untuk mendapatkan data melalui observasi dan wawancara kepada para pegawai serta nasabah Bank Wakaf Mikro Al Fithrah Wava Mandiri Surabaya.Hasil yang didapat setelah melakukan penelitian di lapangan adalah mekanisme pembiayaan qardhul hasan di Bank Wakaf Mikro Al Fithrah Wava Mandiri Surabaya sudah berjalan dengan baik sesuai dengan ketentuan yang ditetapkan. Pembiayaan qardhul hasan dilakukan dengan berkelompok dan tanpa jaminan. Ada beberapa tahap yang dilakukan sebelum pencairan dana. Angsuran pembiayaan bersifat tanggung renteng yakni jika ada nasabah yang belum bisa membayar angsuran maka ditanggung oleh anggota kelompoknya. Nasabah merasa terbantu dengan adanya pembiayaan qardhul hasan karena mereka mendapatkan tambahan modal untuk mengembangkan usahanya. Nasabah juga mendapatkan pendampingan dan pembinaan baik dalam bidang ekonomi dengan adanya pengembangan usaha maupun pembinaan dalam bidang keagamaan dengan adanya pengajian agama.

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