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Does zakat impact poverty alleviation in Indonesia during Covid-19? Zulyanto, Aan; Wiranatakusuma, Dimas Bagus; Abdullah, Naziruddin; Yusuf, Muhammad K; Aprizal, Anggi
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v26i1.26688

Abstract

Zakat functions as a crucial instrument for achieving developmental goals, including the improvement of individual welfare. This study aims to analyse the effect of zakat, as measured by the National Zakat Index (NZI), on poverty alleviation in Indonesia during the Covid-19 pandemic. This research utilizes panel data from 32 Indonesia provinces covering the period from 2020 to 2022, employing the Fixed Effect Model (FEM) analysis method. The current analysis has not found a statistically significant effect of the National Zakat Index on the decrease of poverty rates in Indonesia. A major element to the enduring poverty in Indonesia is the inadequate collection of national zakat money. The Covid-19 pandemic has led to a significant rise in the number of individuals living in poverty, thereby decreasing zakat payment collections. The NZI is an extensive index that encompasses both macro and micro aspects. The NZI is expected to function as an objective metric for assessing the efficacy of zakat administration in Indonesia. The establishment of efficient zakat management is anticipated to enhance poverty reduction efforts. The policy consequence derived from the findings is to enhance zakat management organizations. This study contributes to the relationship between zakat and poverty reduction from a macro-level perspective, unlike earlier research that focuses on micro-level data.
Ethical Dilemmas in Sharia-Compliant Buy-Now-Pay-Later (BNPL) Services: A Qualitative Phenomenological Approach Aan Zulyanto; Marini, Marini
Journal of Social and Humanities Vol. 1 No. 2 (2023): July-December
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/jsh.v1i2.648

Abstract

This study examines the ethical dilemmas experienced by Muslim consumers in using Buy-Now-Pay-Later (BNPL) services in Indonesia. Using a qualitative phenomenological approach with Interpretative Phenomenological Analysis (IPA), this study explores how Muslim consumers perceive, interpret, and negotiate BNPL usage in relation to Islamic financial principles. Data were collected through semi-structured interviews with fifteen Muslim BNPL users in Bengkulu, Indonesia. The findings reveal four main themes: ethical-religious awareness, rationalization of BNPL usage, the role of financial and Islamic financial literacy, and regulatory-institutional uncertainty. Participants generally recognized potential Sharia concerns, particularly regarding riba, late-payment penalties, and unclear contractual terms. However, many continued to use BNPL because of financial convenience, economic necessity, limited alternatives, and insufficient Islamic financial literacy. The study highlights that BNPL usage among Muslim consumers is not merely a financial practice but also a moral experience shaped by religious values, consumer vulnerability, and institutional guidance. These findings underline the need for transparent, responsible, and genuinely Sharia-compliant BNPL models supported by stronger consumer education and regulatory supervision.
ANALISIS KINERJA APARATUR DESA DALAM PENGELOLAAN ALOKASI DANA DESA (ADD) PERSPEKTIF EKONOMI ISLAM Remi Kartina; Amir Mukadar; Aan Zulyanto; Marini Marini
JURNAL MANAJEMEN MODAL INSANI DAN BISNIS (JMMIB) Vol. 6 No. 1 (2025): Juli
Publisher : Yayasan Insani Mandiri Santani

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Abstract

This research aims to analyze the performance of village officials in managing Village Fund Allocations (ADD) from an Islamic economic perspective. The performance of village officials is an important factor in achieving ADD management goals, namely improving community welfare and sustainable village development. This research uses a qualitative approach with descriptive methods, where data is obtained through interviews, observation and documentation. The research results show that the management of ADD by village officials has generally been carried out in accordance with the principles of accountability and transparency. However, there are several weaknesses, such as a lack of community participation and low understanding of village officials about the principles of Islamic economics, such as justice, efficiency and collective benefit. From an Islamic economic perspective, ADD management must be carried out by prioritizing the values ​​of trust, justice and responsibility to realize community welfare. This research concludes that optimizing the performance of village officials in managing ADD requires increasing human resource capacity, active involvement of the community, and comprehensive application of Islamic economic principles. Recommendations are given to the village government and related parties to strengthen supervision and training regarding ADD management according to Islamic values. Keywords: Village Apparatus Performance, Fund Allocation, Islamic Economics, Financial Management.
PENDAMPINGAN DESAIN INTERIOR RUANG FITNES POLDA BENGKULU Yonis Garnis; Rindang Sakina; Aan Zulyanto; Rizqiyah Safitri Juwito; Pretty Maggiesty Rosantika
Almaun: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 2 (2025): DESEMBER (2025)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/almaun.v5i2.9239

Abstract

Kebutuhan masyarakat terhadap fasilitas olahraga semakin meningkat seiring dengan kesadaran menjaga kesehatan dan kebugaran. Salah satu sarana yang banyak diminati adalah fitness center yang membutuhkan perancangan interior dengan memperhatikan aspek fungsi, ergonomi, biophilic design, serta kenyamanan pengguna. Kegiatan pengabdian kepada masyarakat ini dilakukan melalui pendampingan perancangan desain interior ruang fitness di Polda Bengkulu. Metode kegiatan meliputi penyusunan konsep desain, perencanaan tata ruang, layout penempatan alat secara ergonomis, serta visualisasi dalam bentuk 2D dan 3D. Hasil pendampingan menghasilkan rancangan ruang fitness berukuran 24,2 x 15 m dengan plafon 3,80 m yang terbagi dalam tiga zonasi utama: zona depan, zona kardio, dan zona belakang. Pemilihan warna abu-abu tua dan kuning memberikan kesan modern dan enerjik, sedangkan penggunaan material vinyl serta penempatan cermin meningkatkan kenyamanan dan keamanan pengguna. Pencahayaan alami dan buatan dioptimalkan untuk menciptakan suasana ruang yang segar dan fungsional. Kesimpulan dari kegiatan ini menunjukkan bahwa desain interior yang ergonomis, estetis, dan fungsional mampu meningkatkan motivasi berolahraga, sekaligus mendukung kesehatan dan kebugaran anggota kepolisian dalam menunjang kinerja dan pelayanan publik.
PERAN KKN MUBALIGH HIJRAH UMBENGKULU DALAM MENINGKATKAN PEMAHAMAN KEAGAMAAN Elvira; Noti Hajelaherea; Rika Oktavia; Aan Zulyanto
Almaun: Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2026): JUNI 2026
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/almaun.v6i1.10388

Abstract

The KKN Mubaligh Hijrah program is a form of community service carried out by students of the University of Muhammadiyah Bengkulu at the Al-Firdaus Mosque, Kandang Limun Village, Bengkulu City, during the month of Ramadan. This study aims to analyze the role of the program in improving children's religious understanding. The method used in this study is a qualitative approach with data collection techniques in the form of observation, interviews, and documentation during the activity process. The results show that the KKN Mubaligh Hijrah program has a positive impact on improving children's religious understanding, which is characterized by increased ability to read the Qur'an and understanding of worship procedures, as well as changes in more religious behavior. In addition, students act as facilitators and role models in religious learning, and successfully revitalize the function of the mosque as a center for non-formal education. Thus, this program is effective in fostering children's religious understanding and character during the month of Ramadan. Keywords: children, KKN Mubaligh Hijrah, mosque, religious understanding, Ramadhan
SOSIALISASI LIMBAH JERAMI UNTUK PUPUK KOMPOS DI DESA KAMPUNG BOGOR Boirah; Herlina Wati; Aan Zulyanto; Merri Sri Hartati
Jurnal Ilmiah Mahasiswa Kuliah Kerja Nyata (JIMAKUKERTA) Vol. 6 No. 1 (2026): JIMAKUKERTA
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Muhammadiyah Bengkulu

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Abstract

Desa Kampung Bogor, Kabupaten Kepahiang, Provinsi Bengkulu memiliki luas wilayah 70 hektar, dengan 40 hektar berupa sawah. Selama ini limbah jerami padi yang melimpah belum dimanfaatkan secara optimal dan sering kali hanya dibakar sehingga berdampak buruk bagi lingkungan. Melalui program Kuliah Kerja Nyata (KKN), tim melaksanakan kegiatan pengolahan jerami padi menjadi pupuk kompos. Metode kegiatan dilakukan melalui sosialisasi, penyuluhan, serta praktik langsung pembuatan kompos bersama masyarakat. Hasil kegiatan menunjukkan adanya peningkatan pemahaman masyarakat tentang manfaat jerami serta penerapan teknologi sederhana dalam pembuatan kompos. Dampak yang diharapkan yaitu peningkatan kesuburan tanah, penurunan pencemaran lingkungan, serta mendukung produktivitas padi di Desa Kampung Bogor.
PERAN KOPERASI SYARIAH DALAM MENINGKATKAN KESEJAHTERAAN ANGGOTA(Studi Kasus Pada BMT KUBE Sejahtera 008) Maya Astrining Dewi; Marini; Aan Zulyanto; Amir Mukadar
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 3 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v8i3.8990

Abstract

This thesis examines the role of BMT KUBE Sejahtera 008 Sharia Cooperative in improving the welfare of its members in Sri Kuncoro Village, Central Bengkulu. The growing demand for accessible and affordable capital, particularly among Micro, Small, and Medium Enterprises (MSMEs), motivates this research to explore BMT's contribution within the context of a Sharia-based people's economy. This qualitative study employs a socio-legal approach, gathering primary data through interviews with BMT administrators and members, alongside secondary data from relevant literature and documents. The aim of this study is to elucidate the role of BMT KUBE Sejahtera 008 in enhancing member welfare and to identify the factors that support or hinder this process. The research findings highlight the significant role of BMT KUBE Sejahtera 008 in enhancing the economic welfare of its members. Easy access to financing and profit-sharing systems has proven effective in increasing income, particularly for micro, small, and medium enterprises. Despite challenges such as limited public awareness of BMT and funding constraints, BMT KUBE Sejahtera 008 has successfully built trust and member satisfaction. Overall, this study concludes that BMT KUBE Sejahtera 008 plays a vital role in improving the economic welfare of members in Sri Kuncoro Village, Central Bengkulu, and contributes positively to the village’s economy
MENINGKATKAN LITERASI LEMBAGA KEUANGAN SYARIAH BERSAMA SMP ISLAM AL AZHAR 52 KOTA BENGKULU Aan Zulyanto; Dinal Eka Pertiwi; Amir Mukadar; Nensi Yuniarti Zs
Jurnal Pengabdian Masyarakat Bumi Rafflesia Vol. 8 No. 3 (2025): DESEMBER: Jurnal Pengabdian Kepada Masyarakat Bumi Raflesia
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/bumir.v8i3.9393

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan literasi keuangan syariah khususnya mengenai koperasi syariah di kalangan guru dan karyawan SMP Islam Al Azhar 52 Kota Bengkulu. Metode yang digunakan meliputi ceramah interaktif, diskusi partisipatif, dan pendampingan teknis. Kegiatan diikuti oleh 15 guru dan 5 staf administrasi dengan tingkat kehadiran rata-rata 95%. Hasil pre-test menunjukkan 85% peserta memiliki pengetahuan terbatas tentang koperasi syariah dan 90% belum memahami tata cara pendiriannya. Hasil kegiatan menunjukkan peningkatan pemahaman peserta sebesar 75% mengenai konsep koperasi syariah, akad-akad syariah, dan tata cara pendirian koperasi syariah, melampaui target awal sebesar 70%. Luaran konkret yang dihasilkan berupa draft Anggaran Dasar dan Anggaran Rumah Tangga koperasi syariah serta modul pelatihan yang dapat digunakan untuk replikasi kegiatan. Kegiatan ini berhasil membangun kesiapan sekolah dalam mendirikan koperasi syariah sebagai solusi peningkatan kesejahteraan warga sekolah. Implikasi dari kegiatan ini adalah terciptanya fondasi kelembagaan dan kapasitas sumber daya manusia yang memadai untuk pengelolaan koperasi syariah berkelanjutan. Program ini juga berpotensi direplikasi di sekolah-sekolah Islam lainnya untuk memperkuat ekosistem ekonomi syariah di tingkat pendidikan dasar dan menengah.
PENGOLAHAN KOPI MENJADI JELLY UNTUK MENINGKATKAN NILAI TAMBAH PETANI Farina Asmi; Widyayunita Wulandari; Aan Zulyanto
Jurnal Ilmiah Mahasiswa Kuliah Kerja Nyata (JIMAKUKERTA) Vol. 6 No. 2 (2026): JIMAKUKERTA
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Muhammadiyah Bengkulu

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Abstract

Kabupaten Kepahiang merupakan salah satu sentra kopi di Provinsi Bengkulu, khususnya Desa Batu Bandung yang mayoritas masyarakatnya berprofesi sebagai petani kopi. Selama ini hasil panen kopi umumnya dijual dalam bentuk biji kering atau bubuk sederhana tanpa adanya diversifikasi produk, sehingga nilai tambah yang diperoleh petani masih rendah. Program mahasiswa Fakultas Pertanian Universitas Muhammadiyah Bengkulu berfokus pada edukasi dan pelatihan pengolahan kopi menjadi jelly kopi. Metode yang digunakan meliputi penyuluhan, demonstrasi langsung, pendampingan produksi, serta evaluasi hasil bersama masyarakat. Produk jelly kopi dinilai memiliki cita rasa unik, tekstur yang disukai konsumen, serta potensi sebagai oleh-oleh khas daerah. Hasil kegiatan menunjukkan bahwa inovasi jelly kopi berpotensi meningkatkan nilai tambah kopi, menciptakan peluang usaha rumah tangga, serta memperkuat perekonomian lokal. Dengan pendampingan berkelanjutan, Desa Batu Bandung dapat mengembangkan produk ini sebagai ikon kuliner berbasis kopi.
Pengaruh Dana Zakat, Infaq, Sedekah (ZIS), Investasi dan Inflasi terhadap Pertumbuhan Ekonomi di Indonesia Listika Fitri Rahayu; Aan Zulyanto; Dinda Salsabila Kenedi; Eka Dian Apriliani; Ridho Dwi Lesmana; Ririn Harini
Akuntansi Vol. 5 No. 2 (2026): Juni: Jurnal Riset Ilmu Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v5i2.3250

Abstract

This study aims to analyze the effect of Zakat, Infaq, and Sadaqah (ZIS) funds, investment, and inflation on economic growth in Indonesia during the 2002–2022 period. Economic growth is an important indicator in measuring the success of national development and is influenced by various economic and social factors. This research employed a quantitative approach using secondary data obtained from the Central Statistics Agency (BPS), Bank Indonesia (BI), and the National Amil Zakat Agency (BAZNAS). The data were analyzed using multiple linear regression with the assistance of EViews software. The results indicate that Zakat, Infaq, and Sadaqah (ZIS) funds and investment have a positive effect on Indonesia’s economic growth. Meanwhile, inflation also affects economic growth, where controlled inflation can support economic activities, but high inflation has the potential to hinder economic growth. Simultaneously, ZIS funds, investment, and inflation significantly influence economic growth in Indonesia. This study demonstrates that Islamic economic instruments and macroeconomic factors are interconnected in encouraging national economic growth. The findings are expected to serve as a reference for the government and related institutions in formulating more inclusive, stable, and sustainable economic policies.