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All Journal Indonesian Journal of Cultural and Community Development J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat)
Nuris Tiswanah
Universitas Muhammadiyah Sidoarjo
Humanities Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Efficiency and Productivity of Zakat Management Organization Before and During Pandemic Covid-19 Ninda Ardiani; Fitri Nur Latifah; Satrio Sudarso; Nuris Tiswanah
Indonesian Journal of Cultural and Community Development Vol 14 No 2 (2023): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijccd.v14i2.951

Abstract

This study investigates the efficiency and productivity of zakat institutions in Indonesia before and during the Covid-19 pandemic using Data Envelopment Analysis (DEA) and the Malmquist Productivity Index (MPI). Our findings reveal that three out of the five zakat institutions exhibited efficiency at different periods. Notably, LAZ Al Azhar demonstrated consistent efficiency both before and during the pandemic, while LAZISNU was efficient in 2019-2020 but experienced inefficiency in 2021. Additionally, LAZ Rumah Zakat exhibited an increase in efficiency in 2020 but regressed to inefficiency in 2021, primarily attributed to excessive distribution of ZIS funds in each institution. These findings highlight the urgent need for standardization and optimization of zakat management to unlock its immense potential for equitable distribution and impact during times of crisis, offering valuable insights for policymakers and zakat institutions globally. Highlights: Standardization and Optimization: The absence of standardized zakat management contributes to suboptimal collection and distribution of zakat funds in Indonesia. DEA and MPI Analysis: Data Envelopment Analysis (DEA) and the Malmquist Productivity Index (MPI) serve as effective methods to evaluate the operational efficiency and productivity of zakat institutions. Implications for Global Zakat Institutions: Understanding the dynamics of zakat efficiency during crises can offer valuable insights for similar institutions worldwide to enhance their distribution impact and resource management. Keywords: Zakat institutions, Efficiency, Productivity, Indonesia, Covid-19 pandemic.
Sosialization Fintech Literacy Peer to Peer Lending Syariah as Sidoarjo MSME Capital Fitri Nur Latifah; Novia Ariyanti; Imam Fauji; Nuris Tiswanah
Indonesian Journal of Cultural and Community Development Vol 14 No 2 (2023): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijccd.v14i2.955

Abstract

This article explores the transformative role of financial technology (fintech) in Indonesia, specifically focusing on micro, small, and medium enterprises (MSMEs) in Sidoarjo. While fintech presents a promising avenue for MSME growth by providing access to banking services and capital, its adoption is hindered by limited MSME familiarity with fintech tools. In response, this study introduces the Peer-to-Peer Lending Sharia scheme as a viable alternative capital source for nonbankable MSMEs. The research employs a multifaceted approach encompassing awareness campaigns and educational initiatives to boost MSME fintech literacy. Through a comprehensive evaluation, this intervention reveals improved understanding and acceptance of fintech solutions among MSMEs. Consequently, the article underscores the significance of nurturing fintech literacy in enhancing financial inclusion, promoting sustainable MSME expansion, and fostering economic resilience in Indonesia. Highlights: Empowering Nonbankable MSMEs: Explore the impact of fintech adoption, particularly Peer-to-Peer Lending, in enabling growth for traditionally underserved micro, small, and medium enterprises (MSMEs) in Indonesia. Enhancing Fintech Literacy: Investigate the efficacy of literacy initiatives aimed at increasing MSMEs' understanding and utilization of fintech tools, focusing on Peer-to-Peer Lending schemes, to overcome barriers in adoption. Sustainable Economic Resilience: Highlight the potential of improved MSME fintech literacy to foster financial inclusion, promote sustainable business expansion, and contribute to economic resilience within local communities in Sidoarjo, Indonesia. Keywords: Fintech, MSMEs, Peer-to-Peer Lending, Financial Inclusion, Indonesia
Kegiatan Peningkatan Literasi Fintech Peer To Peer Lending Syariah sebagai Permodalan UMKM Sidoarjo Fitri Nur Latifah; Novia Ariyanti; Imam Fauji; Nuris Tiswanah; Lukita Nova Azzara
J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Vol 7, No 2 (2023): Oktober 2023
Publisher : IKIP PGRI Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30734/j-abdipamas.v7i2.3370

Abstract

ABSTRACT Technological developments are very massive in Industrial 4.0 era including in the economic and financial fields. Disruptions in the financial sector include the emergence of fintech with several schemes including sharia peer to peer lending in providing financial services to the community. MSMEs are included in the economic pillars of important economic growth in all countries in the world, and capital issues occupy the most important position in the development of MSMEs themselves. The many obstacles when wanting to apply for funding to MSME banking are often constrained by several document requirements for submission which makes MSMEs unable to access capital from banks (unbankable), so this syaraiah peer to peer lending fintech platform is an alternative capital for MSMEs. However, there were concerns that there was cybercrime in accessing the platform, which made our team tapped to carry out activities to increase peer to peer lending sharia fintech literacy for MSMEs in Sidoarjo. Our activities begin with observing partner needs, program preparation, followed by outreach, training and assistance to MSMEs, ending with program evaluation. Evaluation of this program was carried out by giving a pre-test before training program and conducting a post-test after training program. The results showed a significant increase in Sharia peer to peer lending fintech literacy of around 50%.  Keywords: Literacy; disruptiv, Fintech; Sharia peer to peer lending, MSME Capital ABSTRAK Dalam perkembangan dunia di era industrai 4.0, perkembangan teknologi sangat masif termasuk di bidang ekonomi dan keuangan. Disrupsi di bidang keuangan diantaranya munculnya fintech dengan beberapa skema termasuk peer to peer lending syariah dalam memberikan pelayanan keuangan bagi masyarakat. Bidang usaha UMKM adalah termasuk pilar ekonomi dalam pertumbuhan ekonomi yang penting di semua negara di Dunia, dan permasalahan permodalan menempati posisi paling utama dalam perkembangan UMKM itu sendiri. Banyaknya kendala ketika ingin mengajukan pendanaan ke perbankan UMKM sering terkendala beberapa kebutuhan dokumen untuk pengajuannya yang menjadikan UMKM tidak bisa mengakses permodalan dari penbankan (unbankable), sehingga platform fintech peer to peer lending syaraiah ini merupakan sebuah alternatif permodalan bagi UMKM. Namun ada kendala kekhawatiran adanya cybercrime  didalam mengakses platform tersebut membuat tim kami terketuk untuk membuat kegiatan peningkatan literasi fintech peer to peer lending syariah bagi UMKM di Sidoarjo. Kegiatan kami diawali dengan observasi kebutuhan mitra, persiapan program, dilanjutkan dengan sosialisasi, pelatihan dan pendampingan kepada UMKM diakhiri dengan evaluasi program. Evaluasi program ini dilakukan dengan memberikan pre-test sebelum kegiatan dan melakukan post-test setelah kegiatan, didapatkan hasil adanya peningkatan signifikan terhadap literasi fintech peer to peer lending Syariah sekitar 50%. Kata Kunci: Literasi, Disruptive; Fintech, Peer to peer Lending syariah Permodalan UMKM
Co-Authors Fitri Nur Latifah Imam Fauji, Imam Lukita Nova Azzara Ninda Ardiani Novia Ariyanti Sudarso, Satrio