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The Efficiency and Effectiveness of The Distribution of Zakat Funds in Yogyakarta 's Baznas Muhammad Lutfi Hidayatulloh; Ade Nur Rohim; Sahlan Hasbi
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 12, No 2 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) Universitas Islam Negeri (UIN)

Zakat is one of the instruments of economic development that is still minimal in maximizing its potential. Although the collection and distribution continues to increase every year, in fact there are still many problems in the zakat management organization. These problems include inefficiency in operational costs and HR costs in the Zakat Management Organization and the ineffective distribution of zakat to be able to convert mustahik into muzakki. This study aims to analyze the level of efficiency and effectiveness of the distribution of zakat funds in Yogyakarta’s Baznas. The research method uses a descriptive qualitative approach with secondary data from the publication of the Yogyakarta’s Baznas financial statements in 2017 – 2019 using an efficiency ratio with the Zakat Core Principle and Allocation to Collection Ratio. The results showed that the level of efficiency by using the total operating costs for the total amil rights, the total operational costs for the total collection and the total HR costs for the total collection for three years of operation was running efficiently. At the level of effectiveness using Gross ACR, Gross ACR Non-Amil, Zakah Allocation Ratio and Zakah Allocation Ratio Non-Amil has been effective for three years of operation. Recommendations from researchers are to always improve the collection and distribution of zakat funds so that they remain in the efficient and effective category.

Manajemen Pembiayaan Syariah Nasabah BMT Kabandungan Sukabumi di Masa Pandemi COVID-19 Sahlan Hasbi; Zaldy Suhatman; Nurhafifah Matondang
PROGRESIF: Jurnal Pengabdian Komunitas Pendidikan Vol 1 No 2 (2021)
Publisher : Bagian Pengelolaan Jurnal dan Penerbitan - Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta (BPJP - STEI)

Tujuan pelaksanaan kegiatan ini adalah memberikan pengayaan kepada Para Pengelola dan Pengurus BMT Kabandungan Kabupaten Sukabumi tentang akuntansi koperasi syariah dan pembiayaan syariah. Kegiatan ini dilaksanakan dalam bentuk Pendidikan Masyarakat (popular Education), yakni kegiatan pengabdian yang ditujukan untuk belajar bersama atau menguatkan kemampuan, potensi dan aset mitra dengan materi meliputi empat hal, yakni: Maqasid Syariah, (2) Akad-akad dan Mekanisme Operasional di Koperasi Syariah, (3) Pengantar Akuntansi Syariah (4) Teknis Pengelolaan nasabah menggunakan Sistem. Output yang dihasilkan dari Pelatihan adalah terdapat Peningkatan Pengetahuan Pengurus dan Pengelola terkait bagaimana menjalankan BMT dan bagaimana pengelolaan nasabah dan/atau calon nasabah BMT

FAKTOR – FAKTOR YANG MEMPENGARUHI PENYERAPAN TENAGA KERJA PERBANKAN SYARIAH DI INDONESIA Firda Amalia Putri Utami; Muhammaad Anwar Fathoni; Sahlan Hasbi
Journal of Sharia Economics Vol 2 No 2 (2021): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v2i2.1295

Penelitian yang dilakukan peneliti mempunyai tujuan menemukan adanya pengaruh kinerja perbankan syariah terhadap penyerapan tenaga kerja perbankan syariah di Indonesia. Pada penelitian ini peneliti ingin mengukur penyerapan tenaga kerja di perbankan syariah berdasarkan kapabilitas perbankan syariah. Penelitian yang dilaksanakan memanfaatkan pendekatan kuantitatif, kemudian populasi penelitian yakni Bank Umum Syariah di Indonesia serta sampel penelitian yang dilaksanakan memanfaatkan laporan data statistik perbankan syariah bank umum syariah di Indonesia pada tahun 2014 - 2019. Sumber data yang dimanfaatkan pada penelitian yang dilaksanakan ialah data sekunder yang berasal dari buku, dokumentasi, web site, jurnal tertulis yang mempunyai kaitan dengan obyek penelitian ini melalui OJK, Bank Indonesia, BPS serta tiap – tiap Bank Umum Syariah. Pengujian datanya menggunakan regresi data panel yang diharapkan memberikan keuntungan untuk dapat menemukan serta melakukan pengukuran akan dampak yang ditimbulkan secara baik. Hasil penelitian yang dilaksanakan adalah pada variabel ROA, ROE, CAR dan NPF mempunyai pengaruh signifikan terhadap penyerapan tenaga kerja, di samping itu FDR tidak mempunyai pengaruh signifikan terhadap penyerapan tenaga kerja.

PENGARUH BRAND AWARENESS, TRANSPARANSI, DAN KEPERCAYAAN TERHADAP KEPUTUSAN MENYALURKAN ZIS DI KITABISA.COM Azizah, Nur; Hasbi, Sahlan; Yetty, Fitri
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 6 No. 02 (2021): JESPB Edisi Oktober 2021
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v6i02.241

Financial Technology is evidence of innovation in the financial services sector that makes it very easy for the public. Fintech is not only used for buying and selling transactions only. But it can be used as a crowdfunding platform conducted online. One of the most popular crowdfunding platforms operating in Indonesia in terms of ZIS fundraising is crowdfunding Kitabisa.com. This study aims to explain the effect that occurs on brand awareness (X1), transparency (X2), and trust (X3) on people's decisions to distribute ZIS through crowdfunding Kitabisa.com (Y). The method used is quantitative methods. The samples used in the study were users of the Kitabisa.com platform, with a total sample of 121 people in the Jabodetabek area. The data used is primary. This study uses a questionnaire instrument and a Likert scale. This study uses multiple linear regression analysis methods and using SPSS Statistics version 23. The results of this study indicate that the variables of brand awareness, transparency, and trust have a significant partial and simultaneous effect on the public's decision to distribute ZIS through crowdfunding Kitabisa.com.

Pelatihan Literasi Keuangan Syariah Melalui Metode Getok Tular (Word Of Mouth Communication) Suhatman, Zaldy; Hasbi, Sahlan
Jurnal Loyalitas Sosial: Journal of Community Service in Humanities and Social Sciences Vol. 1 No. 2 (2019): Jurnal Loyalitas Sosial: Journal of Community Service in Humanities and Social
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JLS.v1i2.p82-91

Based on the national survey data of the Financial Services Authority, the conventional Financial literacy index in Indonesia reaches 29.1% while the Sharia financial literacy index is only 8.1% or lower than 30 percent conventional financial literacy. This condition shows the lack of public understanding of the product features and activities of sharia finance institutions considering that the terms used are generally a new term for Indonesian society. Since the year 2018 United Cooperative Relatives of Pulo Kambing converted into a Shariah cooperative. But from 33 managers and managers of active cooperatives, only 12.1% or only 4 people) who have participated in the training of sharia cooperatives. The solutions offered to solve the problem of knowledge gaps of managers, managers, and members of sharia cooperatives, the sharia financial literacy is done by Getok Tular (Word Of Mouth Communication) method which aims to Give birth to change agents who are ready to transmit his knowledge about sharia-urban. Based on the results of devotion, there is increased post-training knowledge. Based on the results of pretests and posttest there is a hike of 35 points so that it can be concluded that there is an increase in participants about the sharia cooperative and can be categorized that the trainees have fulfilled the criteria as an agent Infanteer tular (Word Of Mouth Communication strategy).

The Influence of it Incident Management and Training on Service Improvement: Does Organizational Dehumanization Have an Impact? Hasbi, Sahlan; Hanafi, Syafiq Mahmadah
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.1084

This study aims to identify the positive impact of training and incident management on service recovery performance and the negative impact of organizational dehumanization on service recovery performance. The results showed that training and incident management have a positive effect on service recovery performance. However, the moderation of organizational dehumanization does not have a significant effect on reducing service recovery performance but instead strengthens it. This research provides more understanding that the implementation of banking operations, including Islamic banking, must be carried out with strict regulations, including the affirmation of provisions that can be interpreted as a pattern of organizational dehumanization. However, to strengthen and accelerate the post-incident service recovery process, it must be supported by continuous and quality training.

MODEL PEMBIAYAAN SYARIAH POLA KEMITRAAN ANTARA BSI DENGAN UMKM MITRA PESANTREN DAARUL ULUUM BOGOR Apriyana, Maya; Hasbi, Sahlan; Apriliansyah, Muhammad Romi; Umar Ali, Rizki
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 3, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v3i1.11267

In its evolution and role, Bank Syariah Indonesia (BSI) is one of the sharia financial entities that organizes financing programs to support the growth of micro entrepreneurs. One of these programs is financing for Micro, Small and Medium Enterprises (MSMEs) assisted by Islamic boarding schools and MSMEs around the Islamic boarding school area, with the aim of increasing financial access in the area. The aim of this research is to understand the sharia financing model implemented in the partnership between BSI and the Daarul Uluum Bogor Islamic boarding school in supporting the Islamic boarding school partner business community, evaluate the effects of sharia financing, and explore the potential for replicating the sharia financing model at the Daarul Uluum Lido Islamic boarding school. This research uses a qualitative approach with data collection methods through interviews, observation and documentation. The data analysis technique refers to the Miles and Huberman model which includes three steps: data reduction, data presentation, and conclusion verification. Research findings show that the sharia financing model implemented by BSI with the partner business community of Pesantren Daarul Uluum Bogor is through the murabahah bil wakalah financing scheme. Sharia financing from BSI has had a positive impact on BSI, the Daarul Uluum Bogor Islamic boarding school, and the Islamic boarding school partner business community. Apart from that, this sharia financing model has great potential to be replicated at the Daarul Uluum Lido Islamic boarding school, supported by the internal experience of Islamic boarding school administrators in managing the economy and the significant number of potential customers from the Islamic boarding school partner business community.

ANALISIS PERBANDINGAN RISIKO PEMBERIAN FASILITAS KUR MIKRO/ULTRA MIKRO DI BANK SYARIAH DAN BANK KONVENSIONAL UNTUK SEKTOR EKONOMI PERDAGANGAN Nurhuda, Tasya; Hasbi, Sahlan; Khoer, Miftahul
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 2 (2024): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v10i2.14988

Penelitian ini bertujuan untuk mengetahui perbandingan risiko pemberian fasilitas KUR mikro/ultra mikro di Bank Syariah dan Bank Konvensional untuk sektor ekonomi perdagangan didaerah Kabupaten bogor. Metode penelitian yang digunakan ialah metode pendekatan kuantitatif, populasi dan sampel adalah penerima pinjaman KUR Mikro - Ultra Mikro untuk sektor ekonomi perdagangan di BSI didaerah kabupaten bogor dan BNI didaerah kabupaten bogor, sebanyak 30 responden dengan 15 responden nasabah BSI didaerah kabupaten bogor dan 15 responden nasabah BNI didaerah kabupaten bogor. Metode pengumpulan data yang digunakan adalah dengan mendistribusikan secara online maupun offline kuisioner kepada nasabah penerima pinjaman KUR Mikro - Ultra Mikro untuk sektor ekonomi perdagangan di BSI didaerah kabupaten bogor dan BNI didaerah kabupaten bogor. Teknik analisis yang dipilih adalah uji T untuk mengetahui perbedaan jenis bank mana yang tingkat risiko kreditnya lebih rendah dengan menggunakan SPSS. Pengujian data menunjukkan variabel (jenis bank) memiliki pengaruh signifikan terhadap variabel (risiko kredit) dengan model yang memenuhi asumsi validitas, normalitas, dan linearitas. Hasil analisis regresi dan uji T mengkonfirmasi bahwa bank syariah lebih efektif dalam mengelola risiko kredit dibandingkan bank konvensional.

PENGARUH FLUKTUASI HARGA EMAS DAN RELIGIUSITAS TERHADAP MINAT NASABAH PADA PRODUK PEMBIAYAAN CICIL EMAS Irda Febriani; Hasbi, Sahlan; Fauziyah Balgis, Lilis
AL - KAFF: JURNAL SOSIAL HUMANIORA Vol. 3 No. 2 (2025): AL - KAFF: Jurnal Sosial Humaniora
Publisher : Fakultas Agama Islam dan Pendidikan Guru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/alkaff.v3i2.17944

Lembaga keuangan di Indonesia banyak mengalami kemajuan pesat yang sangat membantu perekonomian di Indonesia.salah satunya lembaga keuangan syari'ah. Lembaga ini menyalurkan bantuan kepada masyarakat berupa pembiayaan usaha, fasilitas pembiayaan, mempermudah kebutuhan nasabah dalam memiliki emas berlandaskan pada prinsip-prinsip Islam. Tujuan penelitian ini untuk mengetahui pengaruh masing-masing variabel yaitu kemiringan harga emas (X1), religiusitas (X2) terhadap minat nasabah (Y). Dalam penelitian ini data dikumpulkan melalui kuesioner terhadap 100 responden nasabah dengan menggunakan metode purposive sampling untuk mengetahui tanggapan responden terhadap masing-masing variabel. Hasil dari penelitian variabel independen secara bersama-sama (simultan) mempengaruhi variabel dependen, dengan dibuktikan hasil dari uji f dimana fhitung sebesar 131,434 > ftabel sebesar 3,09. Maka hasil penelitian variabel independen secara bersama-sama mempengaruhi variabel dependen secara signifikan terhadap minat konsumen pada produk pembiayaan cicil emas. pada penelitian ini diperoleh nilai R Square 0,730. Hal ini menunjukkan bahwa minat nasabah pada produk pembiayaan cicil emas dipengaruhi oleh variabel independen sebesar 73%, sedangkan sisanya 27% dipengaruhi oleh variabel lain yang tidak dijelaskan dalam penelitian ini.

FAKTOR – FAKTOR YANG MEMPENGARUHI PENYERAPAN TENAGA KERJA PERBANKAN SYARIAH DI INDONESIA Firda Amalia Putri Utami; Fathoni, Muhammaad Anwar; Hasbi, Sahlan
Journal of Sharia Economics Vol. 2 No. 2 (2021): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v2i2.1295

Penelitian yang dilakukan peneliti mempunyai tujuan menemukan adanya pengaruh kinerja perbankan syariah terhadap penyerapan tenaga kerja perbankan syariah di Indonesia. Pada penelitian ini peneliti ingin mengukur penyerapan tenaga kerja di perbankan syariah berdasarkan kapabilitas perbankan syariah. Penelitian yang dilaksanakan memanfaatkan pendekatan kuantitatif, kemudian populasi penelitian yakni Bank Umum Syariah di Indonesia serta sampel penelitian yang dilaksanakan memanfaatkan laporan data statistik perbankan syariah bank umum syariah di Indonesia pada tahun 2014 - 2019. Sumber data yang dimanfaatkan pada penelitian yang dilaksanakan ialah data sekunder yang berasal dari buku, dokumentasi, web site, jurnal tertulis yang mempunyai kaitan dengan obyek penelitian ini melalui OJK, Bank Indonesia, BPS serta tiap – tiap Bank Umum Syariah. Pengujian datanya menggunakan regresi data panel yang diharapkan memberikan keuntungan untuk dapat menemukan serta melakukan pengukuran akan dampak yang ditimbulkan secara baik. Hasil penelitian yang dilaksanakan adalah pada variabel ROA, ROE, CAR dan NPF mempunyai pengaruh signifikan terhadap penyerapan tenaga kerja, di samping itu FDR tidak mempunyai pengaruh signifikan terhadap penyerapan tenaga kerja.

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