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All Journal Laa Maisyir Jurnal Ekonomi Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Islamic Review : Jurnal Riset dan Kajian Keislaman Al-Azhar Journal of Islamic Economics J-ESA (Jurnal Ekonomi Syariah) Maqrizi : Journal of Economics and Islamic Economics Media Riset Bisnis Ekonomi Sains dan Terapan Taraadin : Jurnal Ekonomi dan Bisnis Islam
Mega Oktaviany
Universitas Gunadarma
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Model Kelembagaan Nazhir Dalam Pengelolaan Wakaf Produktif Di Indonesia Safitri, Anggraeni Wenny; Hasan, Asyari; Oktaviany, Mega
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.17030

Abstract

This study aims to identify the factors inhibiting the management of productive waqf in Indonesia and the strategic priorities that can be offered with the Analytic Network Process (ANP) approach. Respondents consist of the Indonesian Waqf Board (BWI), academics and practitioners who are involved in the world of productive waqf. The results of this study indicate that the problems that arise in the management of productive waqf in Indonesia consist of 4 important aspects, namely: 1) human resource problems; 2) information and technology issues; 3) sharia issues and 4) regulatory issues. The strategic priorities for developing productive waqf are 1) strengthening information systems and waqf technology; 2) aspects of strengthening governance (good Nazhir governance), 3) aspects of the formation of educational institutions, socialization and education of waqf, 4) aspects of regulatory support from the Government. The results of this study can complement the management of existing productive waqf, the application of strategic priorities can encourage better collection and distribution of productive waqf.
DAMPAK PENERAPAN BAD MONEY DALAM PEREKONOMIAN DAN SEKTOR RIIL; IBNU TAIMIYAH PERSPEKTIF Hilman Fauzi Nugraha; Mega Oktaviany
J-ESA (Jurnal Ekonomi Syariah) Vol 1 No 1 (2018): Juni
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (849.925 KB)

Abstract

Munculnya permasalahan-permasalahan dalam perekonomian, tidak mungkin jika tanpa ada sebab yang mengawalinya. Krisis dan spekulasi merupakan bagian dari permasalahan yang sedang dihadapi masyarakat. Permasalahan tersebut tidak terlepas dari efek penerapan fiat money (bad money). Ibnu Taimiyah seorang ilmuwan muslim yang membahas tentang bad money dan good money, yang mana pemikirannya tersebut disinyalir kembali oleh Sir Thomas Gresham, yang menyatakan bahwa “bad money drives out good money in circulation” yang kemudian dikenal dengan Gresham law.Makalah ini mencoba membahas tentang solusi dari dampak yang ditimbulkan atas pemakaian bad money. Dengan melihat kebobrokan dan kelemahan bad money kemudian mengkomparasikannya dengan kelebihan-kelebihan uang emas (good money), menyatakan bahwa emas (good money) merupakan solusi atas masalah-masalah yang ditimbulkan dari penerapan bad money.
Sustainable Development Goals (SDGs) Melalui Pembiayaan Produktif UMKM di Bank Syariah Trimulato Trimulato; Nur Syamsu; Mega Octaviany
Islamic Review: Jurnal Riset dan Kajian Keislaman Vol 10 No 1 (2021): April 2021
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) IPMAFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/islamicreview.v10i1.269

Abstract

Hadirnya undang-undang nomor 21 tahun 2008 mengantarkan bank syariah menjadi lebih berkembang, dan diterima kalangan luas. Saat ini pangsa pasar bank syariah telah menembus angka 5,8 persen. Bank syariah memiliki produk pembiayaan untuk perkembangan usaha kecil mikro dan menengah. Penyaluran pembiayaan di bank syariah masih didominasi pembiayaan konsumtif yaitu sebesar 42,80 persen. Penelitian ini bersifat kualitatif yang menguraikan tentang perkembangan pembiayaan produktif bank syariah untuk UMKM dan peran pembiayaan untuk mencapai sustainable development goals (SDGs). Adapun hasil dari penelitian ini menunjukkan adanya penurunan pada pembiayaan produktif modal kerja sebesar 0,75 persen. Kemudian porsi pembiayaan untuk UMKM masih didominasi oleh konsumtif yaitu sebesar 69,14 persen atau sebesar 139.408.000.000. Penyaluran pembiayaan produktif pada sektor UMKM sangat relevan dan sejalan dengan tujuan SDGs yaitu kesejahteraan dan pemerataan.
Implementasi Akad Mudharabah dan Musyarakah pada Teknologi Finansial Syariah dengan Pendekatan Kemaslahatan Suhardi Kamaruddin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol. 6 No. 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i1.22075

Abstract

This study uses a combination of literature and field research with qualitative methods carried out by descriptive analysis. Data collection methods include interviews, observations, and documentation which are then analyzed through several stages: data reduction, data presentation, and conclusion drawing. The results of the study revealed that: (1) Mudharabah contract financing conducted by Sharia Fintech Ammana in accordance with the basic concept of mudharabah transactions, as stipulated in the DSN-MUI fatwa No. 117/DSN-MUI/II/2018, then the Financing Musyarakah contract run by Ammana Fintech Syariah is in line with the basic concept of the Musyarakah transaction as the provisions of the DSN fatwa No.117/DSN-MUI/II/2018. From the analysis of the implementation of the mudharabah and musyarakah contracts, it is very relevant to the principles of Islamic economics. (2) The concept of maslahah in mudharabah and musyarakah contracts in improving the community's economy, SMEs the provide a very solution. and includes elements of mashlahah such as guarding religion, guarding the soul, guarding reason, guarding property, and guarding offspring. The results of the analysis obtained in terms of customer financing at Ammana Fintek Syariah obtain business development for SMEs.
Urf In The Charity Culture Perspective In Bima Mega Oktaviany; Nadhirah Nordin; Rahimah Embong
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 2 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i2.33730

Abstract

The alms culture is an important phenomenon in improving the economic order in people's lives. Because, theoretically talking about almsgiving, will broaden the meaning because it has a law that is permissible, what is done is rewarded and what is not done has no impact whatsoever. However, when it is made into a culture, it will have a big impact, not only for individuals, but also for the whole society. The purpose of this study is to look at the practice of alms that is cultivated using the lens of Islamic law, namely 'urf. This type of research is descriptive qualitative, that is, apart from interviewing informants in the field, also from historical documents of the Bima kingdom. The result of this research is that there are four forms of almsgiving practices in Bima, namely sadaqa tara ne'e, alms tola bala, alms kaneo arujiki (facilitating sustenance), and alms ntadi rontedi (agricultural business). The practice of helping and mutual cooperation in Bima is a culture of alms including to 'urf which is valid and the law is permissible, because it fulfills the terms and conditions of 'urf.
Peran Budaya Teka Ra Ne'e dalam Mengentaskan Kemiskinan di Bima, NTB Mega Oktaviany; Nadhirah Nordin; Rahimah Embong
Al-Azhar Journal of Islamic Economics VOLUME 5 NOMOR 1, JANUARI 2023
Publisher : Sekolah Tinggi Agama Islam (STAI) Al-Azhar Gowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37146/ajie.v5i1.205

Abstract

Poverty is a very complex problem for every nation and must immediately get the right solution. Indonesia is a developing country and has a large population, of course it cannot avoid this problem. This is proven by the number of poor people who are increasing every year, even the majority live in rural areas which are difficult to access. Bima is an area located on the island of Sumbawa, West Nusa Tenggara, which is far from urban areas. According to Presidential Decree No. 131 of 2015-2019, when viewed from the data, Bima is an underdeveloped area in terms of human resources and monthly wages that fall into the poor category, as well as infrastructure and others. Even though Bima has very rich cultural and natural resources, as well as human resources that are full of creativity. Therefore this study wants to identify the role of the culture of taka ra ne'e in alleviating poverty in Bima. This study uses a qualitative descriptive methodology with a social phenomenological approach. Subsequent data collection was through observation and unstructured open interviews, then the data was processed with thematic analysis to draw conclusions. Finally, for the validity of the data, the researcher sent back the data according to the research to the informant for a correct data. The results of the study show that the culture of taka ra ne'e is a temporary practice of giving (alms) to the economic life of the Bima community. The culture continues to grow and develop which can be classified into two forms: first from a normative approach and second from socio phenomenology. In addition to cultural practices in Bima using the analysis framework of the charity strategy, this study reveals the intervention of the giving movement in increasing welfare and alleviating poverty in the Bima community through the culture of taka ra ne'e
Peran Fossei dalam Pengembangan Ekonomi Islam Di Provinsi Sulawesi Selatan Nasrullah Nasrullah; Mega Oktaviany; Nurul Azizah Azzochrah
Maqrizi: Journal of Economics and Islamic Economics Vol 2 No 2 (2022): MAQRIZI: JOURNAL OF ECONOMICS AND ISLAMIC ECONOMICS
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (367.704 KB) | DOI: 10.30984/maqrizi.v2i2.422

Abstract

Forum Silaturahim Studi Ekonomi Islam (FoSSEI) Sulawesi Selatan merupakan organisasi kemahasiswaan yang fokus di bidang ekonomi Islam. Organisasi ini mewadahi beberapa kelompok studi ekonomi Islam yang berada di Sulawesi Selatan. Sebagai organisasi kemahasiswaan tentu memiliki sifat ilmiah dimana tidak terlepas dari pengembangan keilmuan mahasiswa. Kedudukannya sebagai organisasi ekonomi Islam memiliki peran di bidang ekonomi Islam. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana peran FoSSEI Sulawesi Selatan dalam pengembangan ekonomi Islam di Provinsi Sulawesi Selatan. Dari program-program atau kegiatan yang dilaksanakan apakah memiliki peran dalam pengembangan ekonomi Islam di Provinsi Sulawesi Selatan. Jenis penelitian ini adalah kualitatif deskriptif, yang dikumpulkan melalui wawancara, observasi, dokumentasi dan pustaka yang mendukung secara abash riset tersebut. Selanjutnya data diolah dengan mereduksi data lalu ditarik kesimpulan, sementara untuk keabsahan data menggunakan triangulasi data. Hasil penelitian ini menunjukkan bahwa FoSSEI memiliki peran dalam pengembangan ekonomi Islam di Provinsi Sulawesi Selatan. FoSSEI Sulawesi Selatan berperan sebagai organisasi pengembangan keilmuan khususnya dibidang ekonomi Islam pada tingkat mahasiswa. Namun pengembangan keilmuan yang dilakukan belum maksimal karena belum berdampak besar bagi mahasiswa diluar KSEI. Kemudian FoSSEI Sulawesi Selatan juga berperan sebagai organisasi edukasi dan sosialisasi ekonomi Islam kepada masyarakat dan mahasiswa. Riset ini memberikan kontribusi terhadap stakeholder yang terkait, bahwa pengembangan keilmuan ekonomi Islam ditataran mahasiswa butuh ditingkatkan dan dibenah agar dapat berdampak bagi mahasiswa di luar KSEI. Selain itu sosialisasi ekonomi Islam dan pembentukan KSEI di beberapa daerah yang belum memiliki KSEI harus ditingkatkan untuk pemerataan gerakan ekonomi Islam di Sulawesi Selatan. Agar lebih massif mesti mengupayakan menjalin kerjasama dan dukungan terhadap pemerintah daerah agar pengembangan ekonomi Islam di Sulawesi Selatan. Selanjutnya bentuk pengembangan ekonomi Islam yang dilakukan diharapkan menyentuh sektor riil agar FoSSEI Sulawesi Selatan memiliki kontribusi nyata dalam praktik ekonomi Islam.
ANALISIS SISTEM WARALABA MCDONALD’S DALAM PERSPEKTIF SYARIAH Nining Nining; Putri Lestari; Tifany Anis Fitria; Mega Oktaviany
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 1, No 3 (2023): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

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Abstract

McDonald's is the world's largest fast-food chain, which was founded in 1955 in California, USA. In 1991, McDonald's came to Indonesia and opened its first restaurant in Sarinah, Thamrin. This paper was triggered by the rapid growth of the McDonald's franchise system in Indonesia, and the issue that will be examined is how the McDonald's franchise system is viewed from a Sharia point of view. In the Sharia context, franchising can be considered as a form of cooperation or extortion. According to Antonio in the concept of syirkah in franchising, syirkah is a cooperation agreement between two or more parties to manage a particular business. Both parties invest capital and agree to share joint risks and share profits. From an Islamic perspective, the McDonald's franchise system can be considered as a legal form of cooperation or musyarakahna in business. The Islamic concept of syirkah or musyarakah refers to the cooperation of two or more people in the management of wealth or business with the aim of obtaining profits according to the initial agreement. This research method uses qualitative methods. The purpose of this type of qualitative descriptive research used in this research is to obtain information about the McDonald's franchise system from a Sharia perspective. In short, the McDonald's franchise system can be considered a legitimate form of cooperation in business from an Islamic perspective. However, it is important to pay attention to financial principles and Islamic values in franchise operations.
ANALISIS STUDI KELAYAKAN BISNIS SYARIAH PADA USAHA KULINER RISOL MAYO Aulia Ma'rifah; Muhammad Rizky Ibnu Azis; Suryadi Alamsyah; Mega Oktaviany
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 1, No 3 (2023): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

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Abstract

Risol mayo is one type of food that is popular and has promising market potential. In developing a culinary business such as risol mayo, it is necessary to conduct a business feasibility study process. A feasibility study is an activity carried out to analyze in depth the business activities to be carried out. This study aims to analyze the feasibility of risol mayo business in financial, technical, market, and social aspects. The research method used is qualitative descriptive data analysis. The interview method was conducted to gain an in-depth understanding of the risol mayo market. In addition, related literature studies were also conducted to obtain relevant information about the market. The results of this study are expected to be an evaluation material to improve and develop the risol mayo culinary business, as well as make a positive contribution to the culinary industry in Indonesia.Keywords: Risol Mayo, Business Feasibility Analysis and Aspects of Assessment
POTENSI PESANTREN AL HUSAINY DALAM MEMBANGUN EKONOMI TAUHID DI KABUPATEN BIMA (Kajian Analisis Taksonomi Etnografi) Mega Oktaviany; Nasaruddin Nasaruddin; Arif Sofyandi
Taraadin : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 1 (2022): Taraadin : Jurnal Ekonomi dan Bisnis Islam
Publisher : FEB Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/trd.3.1.56 - 72

Abstract

Pesantren bukan menjadi pilihan utama dalam pergerakan ekonomi di Indonesia, namun bisa menjadi potensi besar dalam bekerjasama dengan masyarakat untuk mengembangkan pendidikan agama, memperbaiki sosial, mempertahan budaya serta menjadi pusat pertumbuhan ekonomi Indonesia. Berdasarkan tantangan dan tuntutan globalisasi, pesantren di Indonesia memiliki potensi dan kemampuan dalam mengembangkan ekonomi warga dengan berbasis ekonomi pesantren. Maka menjadi penting untuk dilakukan penelitian mendalam, bahwa implementasi dari pendidikan pesantren sangat memberikan peluang untuk Indonesia dalam bidang ekonomi. Tujuan penelitian ini mencoba mempertegas bahwa peran pesantren diseluruh Indonesia berpotensi menghidupkan dan mengembangkan ekonomi warga. Penelitian ini akan mencoba mendeskripsikan pendidikan pesantren harus menjadi solusi utama dalam perputaran ekonomi daerah maupun tingkat nasional di Indonesia.Salah satu pesantren yang mempunyai potensi dalam membangun ekonomi tauhid di Kabupaten Bima adalah, pesantren Al Husainy. Karena pesantren tersebut telah lama berdiri dan telah banyak melahirkan generasi qur’ani. Selain itu setiap tahunnya banyak siswa yang berlomba-lomba mendaftar di pesantren tersebut dengan berbagai keahlian. Tujuan dari penelitian ini adalah melihat potensi dan mendorong pesantren untuk berdikari secara ekonomi. Penelitian ini menggunakan metodologi kualitatif dengan pendekatan etnografi dan taksonomi dengan mewawancarai para ustadz pesantren Al-Husaini. Hsil penelitian ini menunjukkan bahwa walaupun pesantren mempunyai bisnis namun belum berkembang secara signifikan perkembangan zaman, padahal potensinya sangat besat. Melalui potensi yang dimiliki pesantren Al-Husainy jika dilakukan dengan baik bisa menggunakan dengan cara klaster bisnis yang sederhana dengan mengajarkan para santri menjadi pengusaha muslim yang bermartabat dan berkesinambungan. Tidak menutupkemungkinan era hari ini memaksa sebuah institusi untuk terus mengikuti perkembangan zaman agar santri terus menjadi menjadi pebisnis muslim yang seperti diajarkan Nabi SAW., sehingga terciptanya ekonomi tauhid yang berkeadilan.
Co-Authors Arif Sofyandi Asyari Hasan, Asyari Aulia Ma'rifah Hilman Fauzi Nugraha Muhammad Rizky Ibnu Azis Nadhirah Nordin Nadhirah Nordin Nasaruddin Nasaruddin Nasrullah Nasrullah Nining Nining Nursyamsu Nursyamsu Nurul Azizah Azzochrah Putri Lestari Rahimah Embong Rahimah Embong Safitri, Anggraeni Wenny Suryadi Alamsyah Tifany Anis Fitria Trimulato Trimulato