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Model Pembiayaan Sektor Pertanian Melalui Linkage Program Lembaga Keuangan Syariah Hayati, Safaah Restuning
SHAHIH: Journal of Islamicate Multidisciplinary Vol 3, No 2 (2018)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shahih.v3i2.1385

This research aims to find strategies and models for financing the agricultural sector. This research is a type of qualitative research using SPACE (Strategic Position and Action Evaluation) matrix analysis. The results of the SPACE Matrix analysis concluded that Islamic financial institutions must carry out an aggressive strategy in providing financing for the agricultural sector. Aggressive profile describes a company that is financially strong and has a competitive advantage in a growing and stable industry. The solution offered is Islamic banking must increase financing in the agricultural sector, through the channeling model (linkage program) with Islamic microfinance institutions, for example BMT. The alignment of Islamic banks to the agricultural sector (real sector) can be realized by providing agricultural insurance against various risks faced by farmers.

The Efficiency of Zakat Management Organizations in Indonesia: Data Envelopment Analysis Approach Hayati, Safaah Restuning; Putri, Syah Amelia Manggala
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2019): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v10i2.95-106

AbstractEfficiency can be defined as the ratio between output and input. A company is said to be efficient if it can produce greater output when compared to other companies that use the same amount of input. Or produce the same amount of output, but the number of inputs used is less compared to other company inputs. This study aims to analyze the efficiency of Zakat Management Organizations (ZMO) in Indonesia and to find sources of inefficiency of Zakat Management Organizations (ZMO). The method used is Data Envelopment Analysis (DEA) using software called Banxia Frontier Analyst (BFA). The analysis concluded that based on CRS assumptions, there were 7 DMUs that had achieved efficiency with a score of 100%. The seven DMUs are BAZNAS 2018, PKPU 2015, PKPU 2016, Rumah Zakat 2016, Rumah Zakat 2017, Rumah Zakat 2018 and Yatim Mandiri 2016. Meanwhile, with the assumption of VRS, there are 9 efficient DMUs namely BAZNAS 2015, BAZNAS 2018, PKPU 2015, PKPU 2015 2016, Rumah Zakat 2015, Rumah Zakat 2016, Rumah Zakat 2017, Rumah Zakat 2018, and Yatim Mandiri 2016. Sources of inefficiency in the Organization of Zakat Management (ZMO) are inputs or costs, including personnel costs, socialization costs, and other operational costs. This has implications for the organization's ability to optimally combine existing resources to achieve maximum output.Â Â Abstrak Efisiensi dapat didefinisikan sebagai perbandingan antara output dan input. Suatu Perusahaan dikatakan efisien jika dapat menghasilkan output yang lebih besar jika dibandingkan dengan perusahaan lain yang menggunakan jumlah input yang sama. Atau menghasilkan jumlah output yang sama, tetapi jumlah input yang digunakan lebih sedikit dibandingkan dengan input perusahaan lain. Penelitian ini bertujuan untuk menganalisis tingkat efisiensi Organisasi Pengelola Zakat (OPZ) di Indonesia dan untuk menemukan sumber inefisiensi Organisasi Pengelola Zakat (OPZ). Metode yang digunakan adalah Data Envelopment Analysis (DEA) dengan memakai sofware bernama Banxia Frontier Analyst (BFA). Hasil analisis menyimpulkan bahwa berdasarkan asumsi CRS, terdapat 7 DMU yang sudah mencapai efisiensi dengan skor 100%. Ketujuh DMU tersebut adalah BAZNAS 2018, PKPU 2015, PKPU 2016, Rumah Zakat 2016, Rumah Zakat 2017, Rumah Zakat 2018 dan Yatim Mandiri 2016. Sedangkan dengan asumsi VRS, terdapat 9 DMU yang efisien yaitu BAZNAS 2015, BAZNAS 2018, PKPU 2015, PKPU 2016, Rumah Zakat 2015, Rumah Zakat 2016, Rumah Zakat 2017, Rumah Zakat 2018, dan Yatim Mandiri 2016. Sumber penyebab inefisiensi Organisasi Pengelola Zakat (OPZ) adalah input atau biaya-biaya, meliputi biaya personalia, biaya sosialisasi, dan biaya operasional lainnya. Hal ini berimplikasi pada kemampuan organisasi dalam mengkombinasikan sumber daya yang ada secara optimal untuk mencapai output secara maksimal.

An Investigation of the Antecedents to Marketing Mix Strategy Implementation Manggala Putri, Syah Amelia; Hayati, Safaah Restuning; Firmansyah, Eka Jati Rahayu
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 3, No 2 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i2.2542

Introduction to The Problem: Been established for 282 years (2019), Pondok Pesantren Sidogiri was one of the oldest Islamic educational institutions in Indonesia. With its approximately 11,000 students, the institution was potentially economic to develop. The development effort was started in 1961 by establishing Koperasi Pondok Pesantren which focused on how to fulfill its studentsâ€™ needs. Kopontren Sidogiri was currently the main actor in a minimarket business competition in East Java. With its trading activities earning IDR 1 trillion per year, Kopontren Sidogiri could give a welfare impact to the community and Pondok Pesantren Sidogiri.Purpose/Objective Study: The research aims to examine Kopontren Sidogiriâ€™s operational description and marketing-mix implementation in retail business in the 4.0 era.Design/Methodology/Approach: The research was conducted using a qualitative method. According to the theme of the discussion, this research was field research. The research was a descriptive case study performed at Koperasi Pondok Pesantren Sidogiri. Sampling was conducted using a purposive sampling technique. The research sample consisted of a steering committee, managers, staff, and experts. The secondary data were collected from several findings relevant to this study. Data validity was tested using a triangulation technique.Findings: Strategies implemented included marketing mix (4Ps) i.e. product, place, price, and promotion. The achievement gave an inclusive and modern image to Koperasi Pesantren. Meanwhile, place strengthening was by building Toko Basmalah in the areas where alumni of Pondok Pesantren Sidogiri lived, creating loyal market targets. Moreover, price strengthening was by using a retail price in a product sale, encouraging the sale, and making effective profits. The promotion was by branding Pondok Pesantren Sidogiri, creating customersâ€™ trust, and spreading positive information about Minimarket Basmallah to people (word of mouth).

Halal Certification, Brand Image, dan Celebrity Endorse: A Study on Zoya Hijab's Consumers Hayati, Safaah Restuning; Pramesti, Dwi Meilina Siwi
DINIKA : Academic Journal of Islamic Studies Vol 6, No 1 (2021)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/dinika.v6i1.3574

Zoya is one of the Muslim clothing companies with halal certification from the authorized institution, MUI (The Council of Indonesian Ulama). This study aimed to determine the effect of halal certification, brand image, and celebrity endorser on Zoya hijab purchasing decisions. This study used incidental sampling technique conducted in the city of Yogyakarta. The data analysis technique used Partial Least Square (PLS), which consists of outer model and inner model tests. The outer model test is divided into two tests: the validity test and reliability test and the inner model test consists of two kinds of tests, namely the R test and the Gof test. The results of the analysis of this study revealed that the variables of halal certification (X1), brand image (X2) and celebrity endorser (X3) have a positive and significant effect on purchasing decisions (Y) of Zoya hijab in Yogyakarta. The results of the R Square test obtained a value of 73%. This means that halal certification, brand image, and celebrity endorser have a strong contribution to the consumers' purchasing decision on Zoya hijab. Halal certification provides an assurance and a guarantee for the quality of a product. This is because the halal label on a product means that the product has been ratedÂ thayyib(wholesome).Â

Analisis Literasi Halal, Label Halal, Islamic Branding, dan Religious Commitment pada Pembelian Makanan di Tsabita Halal Bakery Hayati, Safaah Restuning; Putri, Syah Amelia Manggala
SHAHIH: Journal of Islamicate Multidisciplinary Vol. 6 No. 2 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shahih.v6i2.3895

The food and beverage industry has the largest market share in the world. In Muslim countries, this industry contributes 16.6% of the total global food and beverage industry. The size of this industry in general also reflects the large potential of halal food and beverages. In Indonesia, the very high growth in consumption of halal food is driven by various factors, such as the desire of Muslim consumers to consume food ingredients in a halal and good manner (thayyib) according to religious orders. This study aims to determine the effect of halal literacy, halal labeling, Islamic branding, and religious commitment on the decision to purchase halal food at Tsabita Halal Bakery. This research is a descriptive quantitative type. This study uses data analysis techniques Structural Equation Modeling (SEM) or structural equation model. Sampling using simple random sampling. The results of this study indicate that halal literacy and halal labels have a contribution in encouraging consumers to buy halal food at Tsabita Halal Bakery. While Islamic branding and religious commitment have no influence on the purchase of halal food at Tsabita Halal Bakery. For this reason, Tsabita needs to strengthen her Islamic branding and continue with Islamic marketing through social media, considering that the millennial generation is very social media literate. Religious commitment also has no effect on purchases, it can be caused by the low level of respondents' religiosity.

Risk Management in the Zakat Distribution: Case Study on Productive Zakat Program in Dompet Dhuafa Yogyakarta Hayati, Safaah Restuning; Budianto, Gizha Utami; Putri, Syah Amelia Manggala
Madania: Jurnal Kajian Keislaman Vol 23, No 2 (2019): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v23i2.6288

This research aims to analyze the implementation of risk management on productive zakat program in Dompet Dhuafa Yogyakarta. One of the productive zakat programs is Warung Beres (Clean, Tasty, and Healthy). Descriptive qualitative approach was employed as the research method. The data of this study are obtained from semi-structured interviews with staff/employees of Dompet Dhuafa in Yogyakarta branch, mustahiq (Zakat recipients) of Warung Beres program, experts/lecturers in charge of risk management of zakat institutions and secondary data obtained from scientific journals. The research shows that the implementation of risk management is run by a timeline principle such as the stages of application, monitoring and evaluation. In addition, Dompet Dhuafa also utilizes the principles of efficiency and effectiveness. With these principles, Dompet Dhuafa Yogyakarta can be categorized good and in line with the program implementation strategy in running its program of Warung Beres although it has not been fully implemented yet. Penelitian ini bertujuan untuk menganalisis penerapan manajemen risiko pada penyaluran zakat dalam program zakat produktif di Dompet Dhuafa Kota Yogyakarta. Salah satu program zakat produktif adalah Warung Beres (Bersih, Enak, dan Sehat). Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif. Data yang digunakan dalam penelitian ini adalah data primer berasal dari wawancara semi terstruktur kepada staf/karyawan Dompet Dhuafa Yogyakarta, mustahiq/penerima manfaat Program Warung Beres, Ahli/Dosen yang membidangi manajemen risiko lembaga zakat dan data sekunder berasal dari jurnal ilmiah. Hasil analisis dari penelitian ini yaitu implementasi manajemen risiko dijalankan dengan berpedoman timeline seperti tahap pengaplikasian, monitoring dan evaluasi. Selain itu Dompet Dhuafa juga menggunakan prinsip efektif dan efisien. Dengan panduan tersebut Dompet Dhuafa Yogyakarta dalam menjalankan program Warung Beres dapat dikategorikan baik dan sesuai strategi pelaksanaan program meskipun belum sepenuhnya.

Islamic Microcredit-based Financing Analysis: A Study of Islamic Banking in the Special Region of Yogyakarta Manggala Putri, Syah Amelia; Rahayu Firmansyah, Eka Jati; Hayati, Safaah Restuning
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i1.6842

Purpose: The goal of this research is to find out how Sharia banking can overtake financing for MSMEs that are not yet bankable by sticking to prudential banking with a case study: Islamic Banking in the Special Region of YogyakartaDesign/Method/Approach: This is qualitative research using a triangulation method to verify the validity of the data obtained. The research was undertaken at an Islamic bank in the Special Region of Yogyakarta, Indonesia disbursing KUR.Findings: The results of this study are that Islamic banking in the Special Region of Yogyakarta (DIY) applies the 5 CS methods (Character, Capacity, Capital, Collateral, and Condition of Economy) when conducting a financing analysis of their prospective KUR recipient customers.Organally/Value: The method found in this study is beneficial for analyzing unbankable MSMEs. Islamic banks can believe in the ability to pay prospective customers despite the limitations of the data and documents analyzed. This method is beneficial to help unbankable MSMEs to be able to access capital from Islamic banking.Â

Halal Certification, Brand Image, dan Celebrity Endorse: A Study on Zoya Hijab's Consumers Hayati, Safaah Restuning; Pramesti, Dwi Meilina Siwi
DINIKA : Academic Journal of Islamic Studies Vol. 6 No. 1 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/dinika.v6i1.3574

Zoya is one of the Muslim clothing companies with halal certification from the authorized institution, MUI (The Council of Indonesian Ulama). This study aimed to determine the effect of halal certification, brand image, and celebrity endorser on Zoya hijab purchasing decisions. This study used incidental sampling technique conducted in the city of Yogyakarta. The data analysis technique used Partial Least Square (PLS), which consists of outer model and inner model tests. The outer model test is divided into two tests: the validity test and reliability test and the inner model test consists of two kinds of tests, namely the R test and the Gof test. The results of the analysis of this study revealed that the variables of halal certification (X1), brand image (X2) and celebrity endorser (X3) have a positive and significant effect on purchasing decisions (Y) of Zoya hijab in Yogyakarta. The results of the R Square test obtained a value of 73%. This means that halal certification, brand image, and celebrity endorser have a strong contribution to the consumers' purchasing decision on Zoya hijab. Halal certification provides an assurance and a guarantee for the quality of a product. This is because the halal label on a product means that the product has been rated thayyib (wholesome).

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