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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Alhadharah: Jurnal Ilmu Dakwah Alhadharah: Jurnal Ilmu Dakwah Journal of Innovative and Creativity
Nur Habibah
Institut Agama Islam Darussalam Martapura
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Kegiatan Keagamaan Majelis Taklim Al-Husna Tuan Guru H Muhammad Rasyid Ridho dan Dampaknya Terhadap UMKM di Komplek Lutfia Kecamatan Gambut Nur Habibah; Rahmah Rahmah; Sri Anafarhanah
Alhadharah: Jurnal Ilmu Dakwah Vol 21, No 2 (2022)
Publisher : UIN Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/alhadharah.v21i2.7283

Abstract

This study aims to describe the implementation of the religious activities of the Al-Husna Taklim Assembly Tuan Guru H Muhammad Rasyid Ridho and their impact on MSMEs in the Lutfia complex, Gambut District. This research is a field research with a descriptive qualitative approach. Data collection was carried out by observation and interview techniques. The results of this study indicate that the implementation of MSME activities in the Religious Activities of the Al-Husna Taklim Assembly is carried out on the basis of interaction and motivation which are managed individually and in groups. The implementation of the Taklim Assembly has had a positive impact on MSMEs both for MSME actors and congregations such as: making it easier for congregations to get their daily needs and increasing the income of MSME players because the number of congregations continues to grow.
Kegiatan Keagamaan Majelis Taklim Al-Husna Tuan Guru H Muhammad Rasyid Ridho dan Dampaknya Terhadap UMKM di Komplek Lutfia Kecamatan Gambut Nur Habibah; Rahmah Rahmah; Sri Anafarhanah
Alhadharah: Jurnal Ilmu Dakwah Vol 21, No 2 (2022)
Publisher : UIN Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/alhadharah.v21i2.7283

Abstract

This study aims to describe the implementation of the religious activities of the Al-Husna Taklim Assembly Tuan Guru H Muhammad Rasyid Ridho and their impact on MSMEs in the Lutfia complex, Gambut District. This research is a field research with a descriptive qualitative approach. Data collection was carried out by observation and interview techniques. The results of this study indicate that the implementation of MSME activities in the Religious Activities of the Al-Husna Taklim Assembly is carried out on the basis of interaction and motivation which are managed individually and in groups. The implementation of the Taklim Assembly has had a positive impact on MSMEs both for MSME actors and congregations such as: making it easier for congregations to get their daily needs and increasing the income of MSME players because the number of congregations continues to grow.
Analisis Kenaikan Tarif Pajak Penambahan Nilai (Ppn) 12% Pada Minat Beli Masyarakat Di Kota Banjarbaru Iin Muyasarah; Nur Habibah
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2674

Abstract

The increase in the Value Added Tax (VAT) rate to 12% has caused concern among the public, especially the lower-middle-class population in Banjarbaru city. The increase in tax is seen as an additional economic burden for the people, as the tax was initially 11% and is now raised to 12%. Based on the public's concerns about the VAT increase, the government has provided information that the 12% VAT rate applies only to luxury goods and luxury services. With this regulation, it is hoped that the policy will be fair to all segments of society by imposing the new VAT rate only on luxury goods and services. This research uses a literatur review method, gathering data from published articles, news, and other supporting books. The results of this study show that the 12% VAT rate increase does not affect the public's purchasing interest, as the regulation applies only to luxury goods. However, a decrease in income has been observed in Banjarbaru city from 2022 to 2024. The 12% VAT policy, which began implementation in early 2025, based on updated economic growth data, has caused a decline of 10%. Inflation has not experienced a significant impact from the increase in VAT because of the regulation related to the 12% VAT rate.
STRATEGI DAN TANTANGAN PENGEMBANGAN BANK WAKAF MIKRO DI LKMS BMW AL- HIJRAH CINDAI ALUS MARTAPURA KALIMANTAN SELATAN Nur Habibah; Muh Arief Budiman
HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 13 │ No. 1 │ 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v0i0.29961

Abstract

This study explores the strategies and challenges in developing Bank Wakaf Mikro (BWM) at LKMS BMW Al-Hijrah Cindai Alus, South Kalimantan. BWM is a sharia-based microfinance institution established to provide non-collateral financing for micro-entrepreneurs around pesantren, aiming to enhance financial inclusion and reduce poverty. Using a qualitative descriptive approach, data were collected through in-depth interviews with managers, pesantren leaders, and customers, along with field observations and document analysis. The findings reveal that the development of BWM relies on several strategies: inclusive and collaborative partnerships with pesantren, government, and zakat institutions; financial literacy programs and business mentoring for customers; digitalization of services; diversification of financing products; and continuous monitoring and evaluation. However, significant challenges remain, including limited waqf funds, low public literacy on productive waqf, fluctuating repayment rates, insufficient managerial capacity of human resources, lack of product innovation, and regulatory gaps. The study concludes that strengthening collaboration, enhancing financial literacy, and promoting productive waqf are key to ensuring the sustainability of BWM in supporting microeconomic empowerment. These findings contribute to policy recommendations and practical strategies to reinforce the role of BWM as an inclusive financial pillar within Indonesia’s Islamic microfinance system.
Co-Authors Iin Muyasarah Muh Arief Budiman Rahmah Rahmah Sri Anafarhanah, Sri