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Journal : Al-Muzara'ah

Analisis Prioritas Solusi Permasalahan Pengelolaan Wakaf Produktif (Studi Kasus Kabupaten Banjarnegara) Resfa Fitri; Heni P Wilantoro
AL-MUZARA'AH Vol. 6 No. 1 (2018): AL-MUZARA'AH (June 2018)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (901.39 KB) | DOI: 10.29244/jam.6.1.41-59

Abstract

Waqf is one of the instruments in Islamic economics that can be used for development funding. In addition, waqf is also very potential to improve people’s welfare. In essence, the waqf is a matter that should be productively managed as contained in the hadith. However, it is currently in the opposite state. This study analyzes the priority of problems and solutions to optimize the management of waqf assets in Banjarnegara Regency, one of regencies in Central Java with highest poverty rate. Analytic Network Process (ANP) is the method used in this study. The result of the research shows that the main priority of human resource problem is the low managerial ability of the nazhir. The priority of institutional problem is the role of BWI Banjarnegara that is not yet optimal, while the priority of the government problem is the lack of support and role of the government. The priority solution of the most important problem is coaching and mentoring for nazhir.
Pengaruh Zakat dan Islamic Human Development Index terhadap Kemiskinan di Jawa Tengah Tahun 2017–2020 Asep Nurhalim; Lelly Mawarni; Resfa Fitri
AL-MUZARA'AH Vol. 10 No. 2 (2022): AL-MUZARA'AH (December 2022)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.10.2.185-196

Abstract

Human development and zakat funds are one of the efforts to minimize poverty. Human development can be measured using the Islamic Human Development Index (IHDI) indicator for countries or regions with a majority Muslim population. However, there is not much literature on IHDI and its application in Indonesia. This study aims to analyze the effect of zakat and IHDI on poverty in 35 districts/cities of Central Java in 2017–2020. The method used is panel data regression with random effect model estimation. The regression results show that zakat has a negative and significant effect on the poverty level in Central Java in 2017–2020, while IHDI has a negative but not significant effect. Simultaneously, zakat and IHDI have an influence on the poverty rate in Central Java in 2017–2020. One of the policy implications that can be done by the Central Java government to minimize the level of poverty is to increase the realization of the collection and distribution of zakat funds and cooperation from all related parties is also very necessary, including the government, zakat management institutions, banks, and the community.
Strategy for Developing the Concept of Halal Beach Tourism in Gunung Kidul Regency, Yogyakarta Resfa Fitri; Muhammad Wildan Syakuro; Mohammad Iqbal Irfany
AL-MUZARA'AH Vol. 11 No. 1 (2023): AL-MUZARA'AH (June 2023)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.11.1.87-101

Abstract

One sector that is currently being featured in Indonesia is the development of tourism including halal tourism. The concept of halal is trending ranging from culinary, fashion, cosmetics and even the tourism sector. Gunung Kidul Regency of Yogyakarta has the largest beach tourism area and has the potential to be developed into halal beach tourism. However, appropriate strategy for the development of halal beach tourism in Gunung Kidul Regency is still lacking. Study on the topic on the halal beach tourism is also still limited. This study aims to analyze the strategy for developing the potential of halal beach tourism in Gunung Kidul Regency using the Analytic Hierarchy Process (AHP) method and the Strengths, Weaknesses, Opportunities, and Threats (SWOT) approach. The results of this study show that strength is a top priority in developing halal beach tourism in Gunung Kidul Regency. The strategy priorities are: a) improvement of facilities such as prayer facilities and supporting facilities with the concept of halal beach tourism, b) expanding cooperation with various parties and synergies between beaches, c) improving the quality of human resources through training activities and introducing the concept of halal beach tourism, d) designing an integrated promotion and marketing strategy, and e) improvement of services and providing tour guides for tourists. This research implicates for the establishment of a halal certification policy for entrepreneurs as well as promoting clear regulations on halal beach tourism, especially in Gunung Kidul Regency.
Peer-to-Peer Lending Syariah dan Dampaknya terhadap Kinerja serta Kesejahteraan Pelaku Usaha Mikro dan Kecil (UMK) pada Masa Pandemi Covid-19 Harp, Aphylla Planifolia; Resfa Fitri; Yekti Mahanani
AL-MUZARA'AH Vol. 9 No. 1 (2021): AL-MUZARA'AH (June 2021)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.9.1.109-127

Abstract

Peer-to-Peer (P2P) lending is one of the mechanisms to overcome capital problems for the MSE sector, especially during the Covid-19 pandemic. P2P lending has the highest asset growth compared to other financial technology (fintech) schemes and mostly preferred by the majority of population. As a country with a majority Muslim population, people prefer to use sharia P2P lending, but its role has not been widely documented in the literature. MSEs are business enterprises that contribute greatly to the national gross domestic product (GDP) and absorb the most labor. This study aims to analyze the effect of sharia (P2P) lending on the performance and welfare of MSEs during the Covid-19 pandemic. The method of analysis consists of paired t-test, OLS and logistic regression analysis. Paired t-test results show that there are differences in turnover, profits, operating costs, and the number of MSE workers before and after receiving financing. OLS analysis shows that the amount of financing, business costs, labor, and length of business affect changes in MSE turnover. The results of the logistic regression analysis show that the average family income and the amount of savings significantly affect the welfare of MSE actors.
Analysis the Effect of Sharia Monetary Operations (OMS) on Inflation in Indonesia for the 2019-2021 Period Anggini, Karlita; Fitriyatustany, Fitriyatustany; Sari, Citra Atrina; Fitri, Resfa; Hasanah, Neneng
AL-MUZARA'AH Vol. 13 No. 2 (2025): AL-MUZARA'AH (December 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.2.271-283

Abstract

Monetary policy is the government's effort to maintain, increase, or decrease the amount of money in circulation in order to sustain economic growth and combat inflation. Monetary policy in the form of Sharia Open Market Operations can be implemented by issuing Bank Indonesia Sharia Certificates (SBIS), Minimum Reserve Requirements (GWM), and Standing Facilities, such as Bank Indonesia Sharia Deposit Facilities (FASBIS). This study is novel because it uses comparative effectiveness analysis, different observation periods, and has undergone classical assumption testing. The purpose of this study is to describe and assess the effects of SBIS, FASBIS, and GWM on Indonesian inflation from 2019 to 2021. The research data is sourced from the Financial Services Authority (OJK) website. Multiple linear regression analysis was performed using the Eviews 10 software. The results showed that SBIS has no significant effect on inflation, FASBIS has a significant and negative effect on inflation, and GWM has a significant and positive effect on inflation. FASBIS and GWM can explain 79.7% of inflation, with other factors accounting for the remaining 20.3%. Islamic banking must improve its financial performance by utilizing FASBIS instruments more efficiently.