Lailatur Rohmah
Universitas Muhammadiyah Lamongan

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The Priority Problems and Solutions of Waqf for Micro Business Capital to Increase Farmer’s Productivity in Lamongan East Java Abdul Majid; Farokhah Muzayinatun Niswah; Lailatur Rohmah; Evrina Ross Pratiwi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 6 (2022): November-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20226pp913-922

Abstract

ABSTRAK Wakaf tunai merupakan salah satu instrumen keuangan syariah berbasis sosial yang penting untuk dikembangkan karena mudah digunakan sesuai dengan kebutuhan masyarakat yang ada, seperti untuk modal usaha mikro bagi petani. Mayoritas petani adalah masyarakat kelas menengah ke bawah yang menggantungkan mata pencahariannya dari hasil panen. Pandemi Covid-19 yang melanda Indonesia dan dunia membuat banyak keluarga mengalami kekurangan finansial, termasuk keluarga petani. Wakaf dapat membantu pembiayaan produksi para petani melalui program Wakaf Modal Usaha Mikro. Namun, masih terdapat beberapa kendala program ini sehingga  program tersebut tidak berjalan secara maksimal. Penelitian ini bertujuan untuk menganalisis prioritas masalah dan solusi untuk mengoptimalkan peran wakaf modal usaha mikro bagi petani di Lamongan. Jenis penelitian ini adalah metode campuran dengan menggunakan pendekatan Analytic Network Process (ANP). Data diperoleh dari wawancara mendalam dengan tujuh pakar wakaf dan pertanian. Prioritas masalah adalah pada di nazhir terkait minimnya anggaran untuk pelayanan administrasi, sedangkan prioritas solusinya adalah menambah anggaran untuk pelayanan administrasi. Hasil penelitian dapat digunakan oleh Badan Wakaf Indonesia (BWI) bersama dengan Dinas Tanaman Pangan, Hortikultura,  dan Perkebunan untuk mengembangkan wakaf di bidang pertanian. Kata Kunci: Wakaf Uang, Wakaf Produktif, Pemberdayaan Petani, Modal Usaha Mikro.   ABSTRACT Cash waqf is one of the essential social-based Islamic financial instruments to be developed since it is easily used according to the existing community's needs, such as for micro-business capital for farmers. Most working as farmers are middle- to lower-class people who depend on their livelihoods from harvests. The Covid-19 pandemic that has hit Indonesia and the world has left many families experiencing financial shortages, including farming families. The Micro Business Capital Waqf program has been implemented in Lamongan. However, this program still encountered several problems that made the program not optimally conducted and could not be implemented in the broader community. This study aims to analyze the priority problems and solutions to optimize the role of micro-business capital waqf for farmers in Lamongan. This type of research was a mixed method using the Analytic Network Process (ANP) approach. Data were obtained from in-depth interviews with seven waqf and agriculture experts. The priority problem in Nazhir was related to the lack of budget for administrative services, while the priority solution was increasing the funding for administrative services. The research results can be used by the Indonesian Waqf Board (BWI) and the Department of Food Crops, Horticulture, and Plantations to develop waqf in agriculture. Keywords: Cash Waqf, Productive Waqf, Farmer Empowerment, Micro Business Capital.   REFERENCES Ali, K. 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Perbaruan hukum wakaf di Indonesia. PT Refika Aditama Syahyuti., & Aldillah, R. (2020). Upaya menekan dampak pandemi Covid-19 pada sumber daya manusia pertanian. In Dampak Pandemi Covid-19: Perspektif Adaptasi dan Resiliensi Sosial Ekonomi Pertanian (pp. 549-570). Jakarta: IAARD PRESS. Syahyuti., & Elizabeth, R. (2020). Kebutuhan jaring pengaman sosial untuk petani pada masa pandemi Covid-19. In Dampak Pandemi Covid-19: Perspektif Adaptasi dan Resiliensi Sosial Ekonomi Pertanian (pp. 481-498). Jakarta: IAARD PRESS. Thanker, M. A. M. T., Amin, M. F., Thaker, H. M. T., Khaliq, A., & Pitchay, A. A. (2020). Cash waqf model for micro enterprise's human capital development. ISRA International Journal of Islamic Finance, 13(1), 66-83. DOI: 10.1108/IJIF-08-2018-0091 Utomo, Y. (2021). Micro business capital waqf for Lamongan farmers Youneszadeh, H., Ardeshir, A., & Sebt, M. (2017). Exploring critical success factors in urban housing projects using fuzzy analytic network process. Civil Engineering Journal, 3(11), 1048–1067. DOI: 10.28991/cej-030937 Yuli, S. B. C. (2015). Optimalisasi peran wakaf dalam pemberdayaan Usaha Mikro, Kecil dan Menengah (UMKM). Ekonomika-Bisnis, 6(1), 1–15. DOI: https://doi.org/10.22219/jibe.v6i1.2269 Yusof, M. A., Aziz, M. R. A., & Johari, F. (2013). The relationship between level of income and willingness of muslim community to contribute for Islamic waqf bank. In 5th Islamic Economic System Conference (IECONS 2013), Berjaya Times Square Hotel, Kuala Lumpur on 4th-5th September. Retrieved from http://www.nuradli.com/iecons2013/4B-1.pdf
THE ACCEPTANCE FACTORS FOR ISLAMIC BANKING FINTECH SEVICES: EXTENDED TECHNOLOGY ACCEPTANCE MODEL (TAM) APPROACH Lailatur Rohmah; Nurul Lailatul Mumtahanah; Evrina Ross Pratiwi
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 02 (2022): JULY-DECEMBER 2022
Publisher : Universitas Airlangga

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

Abstract

Era 4.0 requires Islamic banking to optimize its services through digital platforms to make it easier for customers to transact. Indonesia is a large market for Islamic banking products, so Islamic banking should provide the best possible digital services and people will be more interested in using Islamic bank products. Therefore, it is necessary to analyze the factors that influence customers in using Islamic bank services online so that the quality of digital services can be improved. This study aims to determine the factors that influence the acceptance of Islamic bank customers for financial technology (Fintech) services in Indonesia by using the Extended Technology Acceptance Model (TAM) approach. The TAM model states that system users tend to use the system if the system is easy to use and useful for its users. Extended TAM adds a consumer innovation variable, namely the degree to which an individual is relatively earlier in adopting an innovation than other members of the system. This research is a type of quantitative research using primary and secondary data. Primary data was obtained from a survey of Islamic bank customers using convenience sampling. Secondary data is obtained from related literature sourced from journals, articles, books, and official government or banking websites. The results show that the acceptance of Islamic banking fintech services in Indonesia is determined by the perceived ease of use and customer innovation (consumer innovativeness), while the perceived usefulness does not affect the acceptance of Islamic bank customers for the use of mobile banking. This research will be useful as a reference for policymakers, academics, and researchers in the future.