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All Journal JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Ekonomi Bisnis dan Kewirausahaan Proceeding of The International Conference on Management, Entrepreneurship, and Business
Ayu Annisa Fikra
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Library & Information Science Other

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Analisis SWOT Inovasi Produk Asuransi Syariah Tafakul Keluarga Kota Medan (Studi Kasus Perusahaan Asuransi Takaful Keluarga Kota Medan) Ayu Annisa Fikra; Nur Ahmadi Bi Rahmani; Arnida Wahyuni
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 1 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana menganalisis strategi yang ditetapkan oleh perusahaan Asuransi Takaful Keluarga Cabang Setia Budi Kota Medan yang dilihat melalui faktor internal dan eksternal perusahaan. Penelitian ini adalah penelitian lapangan yang bersifat deskriptif kualitatif. Metode yang digunakan adalah analisa SWOT, yang dimulai dari menentukan faktor-faktor internal dan eksternal yang didapati dari hasil wawancara dengan pihak perusahaan Asuransi Takaful Keluarga Cabang Setia Budi Kota Medan. Selanjutnya faktor-faktor tersebut dianalisa dengan menggunakan analisa IFE (Internal Factor Evaluation) dan EFE (Eksternal Factor Evaluation). Setelah itu dilanjutkan dengan analisa Matrik SWOT dan analisa Tabel Bobot Skor. Berdasarkan penelitian yang telah dilakukan oleh peneliti, maka ada beberapa kesimpulan bahwa berdasarkan hasil dari tabel matriks IFAS dan EFAS, diketahui bahwa nilai IFAS nya adalah 3,00. karena total skornya berada diatas 2,5 maka ini berarti mengidentifikasikan posisi internal yang kuat. Nilai EFAS nya adalah 2.50. karena total skor mendekati 4,0 berarti mengindikasikan bahwa pengenal merespon peluang yang ada dan menghindari ancaman-ancaman dipasar.
OPTIMALISASI PENDISTRIBUSIAN ZAKAT MELALUI TRANSFORMASI PROSES BISNIS PERBANKAN SYARIAH SEBAGAI UPAYA PENGENTASAN KEMISKINAN DI SUMATERA UTARA Ayu Annisa Fikra; Yenni Samri Juliati Nasution
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 1 No. 6 (2024): Desember : Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBER)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/7j3zy030

Abstract

Zakat as one of the main pillars of Islamic economics has great potential in eradicating poverty, especially in North Sumatra, Indonesia, which has a fairly high poverty rate. However, the realization of zakat only reached 6.4% of the total national potential in 2023, indicating obstacles in distribution. This study aims to analyze the optimization of zakat distribution through the transformation of Islamic banking business processes as a poverty alleviation strategy. The research method used is qualitative with a literature study approach, which examines theories, concepts, and previous findings descriptively and analytically. The results of the study show that digital transformation, such as the integration of mustahik data and the digitization of payment systems, increases the efficiency of zakat distribution. In addition, the synergy between Islamic banks and zakat institutions (LAZ) creates a significant social impact, such as increasing mustahik income by up to 45%. The main obstacles identified include low digital literacy and limited technological infrastructure. Suggested solutions include digital literacy education, provision of technological infrastructure, and the use of blockchain technology to increase transparency and efficiency. This study provides practical implications for zakat managers, Islamic banking, and policy makers in supporting community empowerment through zakat as part of achieving the Sustainable Development Goals (SDGs).
Revitalization of Developing Countries' Economy Through Islamic Finance Ayu Annisa Fikra; Isnaini Harahap; Windu Anggara
Proceeding of the International Conference on Management, Entrepreneurship, and Business Vol. 1 No. 1 (2024): June : Proceeding of the International Conference on Management, Entrepreneursh
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/icmeb.v1i1.90

Abstract

Islamic finance is a financial system based on sharia principles, such as the prohibition of usury, gharar, and maysir, which emphasizes justice, financial inclusion, and sustainability. This study aims to analyze the role of Islamic finance in the revitalization of developing countries' economies, focusing on instruments such as sukuk, zakat, waqf, and microfinance. Through the literature study method, this study shows that Islamic finance is able to support infrastructure development, community empowerment, and reduction of social inequality. This study analyzes the role of Islamic finance in the revitalization of developing countries' economies through instruments such as sukuk, zakat, waqf, and microfinance. The results of the study show that Islamic finance is effective in supporting infrastructure development, community empowerment, and reduction of social inequality in countries such as Indonesia, Malaysia, and Pakistan. However, its implementation still faces challenges, such as low Islamic financial literacy and limited regulations. The conclusion of the study confirms that Islamic finance has the potential to drive inclusive and sustainable economic growth if supported by increased literacy, regulatory harmonization, and expanded access to Islamic financial products.
Co-Authors Arnida Wahyuni Isnaini Harahap NUR AHMADI BI RAHMANI Windu Anggara Yenni Samri Juliati Nasution