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All Journal Jurnal Ilmiah Mahasiswa FEB International Journal of Islamic Economics and Finance (IJIEF) Al-Muzara'ah Journal of Islamic Monetary Economics and Finance International Journal of Zakat (IJAZ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Budimas : Jurnal Pengabdian Masyarakat ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Ijtimā`iyya: Journal of Muslim Society Research Muslim Business and Economic Review Jurnal Pengabdian Masyarakat Indonesia Sejahtera Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat Masyarakat: Jurnal Pengabdian As-Syirkah: Islamic Economic & Financial Journal
Majid, Rifaldi
Islamic Economics Department, Faculty Of Economics And Business, University Of Airlangga, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Islamic FinTech and MSMEs: The Role of Religiosity and Product Knowledge Majid, Rifaldi
AL-MUZARA'AH Vol. 12 No. 2 (2024): AL-MUZARA'AH (December 2024)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.12.2.321-335

Abstract

As the backbone of the national economy which is still struggling with the financing problem, prior studies on the intention to use Islamic FinTech for MSMEs are still rare. This study aims to examine whether both the religiosity (R) and product knowledge (PK) on Islamic FinTech products and services affect the intention to adopt it or not. A total of 100 responses were collected using an online questionnaire and then examined using structural equation modeling (SEM). The results show that subjective norm (SN), perceived usefulness (PU), as well as R, and PK significantly influence the intention to get financing and use the services offered. It is indicated that Indonesian MSMEs actors are getting aware and knowledgeable about sharia compliance of FinTech products. Likewise, the influence of social norms such as religious leaders and or the business environment also strengthens the intention. This means that there is a need for continuous efforts from the stakeholders by cooperating with sharia scholars in improving the Islamic financial literacy in order to eliminate the doubts on the practical side. This needs to be followed by strengthening consumer data protection as well as providing incentives in order to enlarge the industrial market share.
Pelatihan Pendirian Bank Sampah Kepada Masyarakat Perumahan Bukit Diponegoro RW 08 Kelurahan Tembalang, Kecamatan Tembalang, Kota Semarang Atmanti, Hastarini Dwi; Wahyu Rejekiningsih, Tri; Anwaril Muttaqin, Aris; Majid, Rifaldi; Mukti Rinusara, Novita
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol 6, No 3 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v6i3.15117

Abstract

The community service activity of the FEB UNDIP team carried out in RW 8 of Bukit Diponegoro Housing, Tembalang, Semarang aims to increase community participation in waste sorting activities and depositing them in the waste bank. Waste sorting and waste bank activities have not been carried out and established in the area. This community service activity is a form of Community Development Practice model. The Community Development Practice model applied in this community service activity aims to improve people's lives for the better.
Pelatihan Pilah Sampah pada Guru PAUD (Pendidikan Anak Usia Dini) yang Tergabung dalam Gugus Abimanyu dan Gugus Banowati Kota Semarang Hastarini Dwi Atmanti; Tri Wahyu Rejekiningsih; Aris Anwaril Muttaqin; Rifaldi Majid; Novita Mukti Rinusara
Jurnal Pengabdian Masyarakat Indonesia Sejahtera Vol. 4 No. 1 (2025): Maret: Jurnal Pengabdian Masyarakat Indonesia Sejahtera
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jpmis.v4i1.2137

Abstract

The purpose of this community service project is to train kindergarten teachers who belong to the Abimanyu and Banowati groups in waste sorting. The Community Based Participatory Research (CBPR) approach is used to carry out community service. Using this approach, kindergarten teachers and researchers work together to teach kids how to sort waste. Since waste sorting is a novel approach to waste management, it needs to be promoted and established in society, particularly among students. Most of the kindergarten teachers who took part in the program had never instructed their kids in waste sorting. Teachers of kindergarten received instruction on how to segregate waste in bins with red, yellow, and green lids. Kindergarten teachers can more easily teach sorting bins with colored lids to their kids. By imparting good values linked to teaching discipline, upholding cleanliness, and recognizing the health of their pupils, waste sorting training helps kindergarten teachers understand the significance of waste sorting.
Pelatihan Pendirian Bank Sampah Kepada Masyarakat Perumahan Bukit Diponegoro RW 08 Kelurahan Tembalang, Kecamatan Tembalang, Kota Semarang Atmanti, Hastarini Dwi; Wahyu Rejekiningsih, Tri; Anwaril Muttaqin, Aris; Majid, Rifaldi; Mukti Rinusara, Novita
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 3 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The community service activity of the FEB UNDIP team carried out in RW 8 of Bukit Diponegoro Housing, Tembalang, Semarang aims to increase community participation in waste sorting activities and depositing them in the waste bank. Waste sorting and waste bank activities have not been carried out and established in the area. This community service activity is a form of Community Development Practice model. The Community Development Practice model applied in this community service activity aims to improve people's lives for the better.
DESIGNING SALAM-MUZARA’AH LINKED WAQF TO FINANCING AGRICULTURAL SECTOR Majid, Rifaldi
Journal of Islamic Monetary Economics and Finance Vol. 7 No. 3 (2021)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v7i3.1309

Abstract

The main objective of this study is to propose an innovative integrated financing model at the microfinance level for the agricultural sector and how to mitigate the risk associated with the model. In the study, we perform in-depth interviews of experts and gather secondary data from relevant sources. The proposed model is called Salam-Muzara’ah Linked Waqf (SMW) as a sharia-compliant scheme that integrates Islamic commercial finance through the salam and muzara’ah contract with Islamic social finance through the utilization of cash waqf return as well as using the idle waqf land as agricultural lands to be implemented by Baitul Maal wat Tamwil (BMT). In the model, the risk of commodities delivered by farmers to BMT is subsidized or borrowed by Nazhir of waqf land while the surplus of cash waqf is distributed to cover Murabaha margin of necessary agricultural equipment purchased from BMT. This research is expected to solve the problem of limited land and financing as well as to create innovation and inclusiveness of Islamic financial products through the synergy of all parties in the agricultural sector.
Designing the Business Scheme Model of Direct Investment of Indonesian Hajj Funds to The Saudi Food Industry Majid, Rifaldi
AL-MUZARA'AH Vol. 13 No. 1 (2025): AL-MUZARA'AH (June 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.1.141-154

Abstract

Diversification of investment in hajj funds is also needed in the real sector to optimize the portfolio and sustainable development of hajj finance. This study analyzes the potential for direct investment in the supply of raw materials to meet the needs of catering and processed food by the Indonesian Hajj Fund Management Agency in Saudi Arabia’s food industry. This research utilized a qualitative approach and used data and regulations from authorities and regulators in Indonesia and Saudi Arabia. All available data is used to design direct investment models using contracts complying with ethical and fair investment principles. The results depicted two alternative investment schemes: executing a joint venture or establishing a subsidiary. Murabaha and parallel salam can carry out the business contract schemes. Using the murabaha scheme, the risk of fluctuations in exchange rates and commodities can be controlled by setting the margins. Meanwhile, salam contracts are explicitly made for orders obtained from local suppliers to avoid the risk of exchange rate fluctuations. This research is limited to the condition of hajj financial management in Indonesia and Saudi Arabia. However, this research is expected to improve the literature on the management of hajj finance and provide an alternative way for innovative and sustainable direct investment performed by the Indonesian Hajj Financial Management Agency.
PELATIHAN PILAH SAMPAH PADA SISWA KB DAN TK BELIA PURAYA KOTA SEMARANG Atmanti, Hastarini Dwi; Rejekiningsih, Tri Wahyu; Muttaqin, Aris Anwaril; Majid, Rifaldi; Rinusara, Novita Mukti
Masyarakat: Jurnal Pengabdian Vol. 2 No. 3 (2025)
Publisher : Yayasan Pendidikan Dan Pengembangan Harapan Ananda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58740/m-jp.v2i3.575

Abstract

Sampah akan menjadi masalah manakala tidak dikelola dengan baik. Tujuan pelaksanaan kegiatan Pengabdian kepada Masyarakat (PkM) ini adalah untuk melatih mengelola sampah dengan cara pilah sampah sejak usai dini. Metode pelaksanaan PkM adalah dengan menggunakan video pembelajaran tentang pilah sampah sehingga memudahkan anak didik untuk memahami bagaimana pilah sampah. Kegiatan PkM ini diadakan di Sekolah Kelompok Bermain (KK) dan Taman Kanak-Kanak (TK) Belia Puraya Kota Semarang pada tanggal 22 Agustus 2025. Hasil pelaksanaan PkM menunjukkan bahwa semua anak didik dapat mempraktekkan pilah sampah dengan benar. Anak didik dapat membedakan sampah organik dan anorganik. Implikasinya bahwa dengan pilah sampah yang dibiasakan sejak usai dini, diharapkan akan menjadi kebiasaan bagi anak didik hingga mereka dewasa. Jika pilah sampah ini diterapkan maka akan memperpanjang umur TPA (Tempat Pembuangan Akhir) dan lingkungan akan lestari.
Mudharabah Linked Waqf: Inovasi Model Pembiayaan Berkelanjutan untuk UMKM Majid, Rifaldi
As-Syirkah: Islamic Economic & Financial Journal Vol. 1 No. 1 (2022): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/assyirkah

Abstract

This study aims to formulate an innovative financing model and sustainable business assistance through the mudharabah linked waqf scheme. The method used is descriptive qualitative in the form of reviewing scientific journals, books, official news, reports and related regulations which are analyzed by content analysis. Mudharabah linked waqf is an innovation and integration of financing to Micro, Small, and Medium Enterprises (MSMEs) where the composition of the source of funds comes from commercial funds and cash waqf funds managed by Koperasi Syirkah Berkah Bersama (KSBB) through a collaboration with Indonesian Muslim Entrepreneurs Community (KPMI) chapter Surabaya. Funds will be channeled to low-risk MSME projects recommended by KPMI Surabaya with duration of fewer than six months. The surplus of cash waqf will be distributed to social, education, economy and da’wah activites in the form of sustainable business development and fiqh muamalah assistance by KPMI Surabaya and the rest distributed as an incentive to reduce murabahah margins for startups. Risk mitigation is carried out through collateral requirements, guarantor, incentive-compatible contract applications to determine cash flows and related parties in the project, as well as post-project financial audits. This model has implications for strengthening the roles of KSBB and KPMI Surabaya in encouraging literacy, inclusion, and innovation in deepening sustainable Islamic financial products, in order to strengthen the economy of ummah in the real sector.
ANALISIS PENGARUH PELAKSANAAN GOOD CORPORATE GOVERNANCE (GCG) TERHADAP PENCAPAIAN MAQASHID SYARIAH DI PERBANKAN SYARIAH INDONESIA (TAHUN 2012-2015) Majid, Rifaldi
Jurnal Ilmiah Mahasiswa FEB Vol. 5 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

As Islamic banks operates in accordance to the Islamic principles and system, they should run to achieve the ultimate objectives of Sharia (Maqashid Sharia). The disclosure of the Islamic banking performances could be measured by sharia maqashid index (SMI) which distinguishes them from the other banks. This study aims to determine the effect of good corporate governance (GCG) implementation on Maqashid Sharia perspective measured by Sharia Maqashid index for the Indonesia Islamic banks for the periode of 2012-2015. Eight Islamic banks are included as samples seleceted using a purposive sampling technique. This research is a quantitative descriptive study and employs a multiple regression analysis as a data analysis method. The analysis is performed to determine the effect of commisioner board size, Sharia supervisory board size, and the board of directors on the achievement of SMI. The results show the size of commisioner board has a positive effect on achievement of SMI. However other two variables which are the sharia supervisory board size and the board of directors does not affect the achievement of SMIKeywords: Board Of Commisioners, the Sharia Supervisory Board, Board of Directors, Sharia maqashid Index.
FinTech and MSMEs: The role of product knowledge Majid, Rifaldi; Mawaddah, Herti
Asian Journal of Islamic Management (AJIM) VOLUME 4 ISSUE 1, 2022
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol4.iss1.art2

Abstract

Purpose − This study examines the effect of knowledge of Islamic FinTech products and services of Micro, Small, and Medium Enterprises (MSMEs) actors on their intentions to adopt it.Methodology − This study adopts a quantitative method with primary data filled in by MSME actors in Indonesia. A hundred samples were analyzed using Partial Least Square - Structural Equation Modeling (SEM) by SmartPLS software.Findings − The results showed that both Perceived Usefulness (PU) and Perceived Ease of Use (PEoU) were empirically proven to have a significant positive effect on Attitude Toward Behavior (ATB). Likewise, ATB has been proven to be significant in mediating PU and PEoU on the Behavioral Intention (BI) of MSME actors in using Islamic FinTech products and services. The main finding in this research is that the higher the knowledge/literacy of Islamic finance by MSMEs, the more they will strengthen their intention to use FinTech products.Implications − The socialization of Islamic FinTech products and services by regulators such as the Financial Services Authority through collaboration with the industry players, professional and expertise organizations, the Muslim entrepreneur community, and universities need to be continuously to improve Islamic financial literacy. In addition, amid ongoing business digitalization, MSMEs are expected to be integrated with FinTech, not only in terms of funding but also in improving business performance regarding operations, finance, human resources, and others.Originality − This paper extends TAM with product knowledge on objects in the form of MSME actors in Indonesia.
Co-Authors Anwaril Muttaqin, Aris Aris Anwaril Muttaqin Hastarini Dwi Atmanti Hastarini Dwi Atmanti Himmawan, M. Fikri Husnul Mirzal Mawaddah, Herti Mukti Rinusara, Novita Muttaqin, Aris Anwaril Novita Mukti Rinusara Rinusara, Novita Mukti Sri Yayu Ninglasari Sulaeman Sulaeman Sunarmo Sunarmo Sunarmo, Sunarmo Tika Widiastuti Tri Wahyu Rejekiningsih Tri Wahyu Rejekiningsih Ulya, Badriyatul Wahyu Rejekiningsih, Tri