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TANTANGAN DALAM PENGENTASAN KEMISKINAN: PERAN LEMBAGA KEUANGAN MIKRO ISLAM DAN KEUANGAN SOSIAL Rusyda Afifah Ahmad
Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Vol 1 (2020): PROSIDING SEMINAR NASIONAL PENGABDIAN KEPADA MASYARAKAT - SNPPM2020
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (414.55 KB)

This paper examines the evidence of the impact of the role of Islamic microfinance in Jintap H\amlet with a form of caring for the community among others through easy and profitable financing as a solution to alleviating poverty. This study promotes Islamic microfinance with instruments based on social finance (ZIS) which contribute to facing challenges in poverty alleviation. And suggested as one of the best poverty alleviation tools, especially among Muslim communities by reviewing several measurements from other researchers' suggestions through systematic literature reviews. This paper is a case study research with a qualitative approach and is enriched with a literature review of more than 30 articles related to microfinance which tries to review and analyze the areas researched by researchers in the role of microfinance. This survey consists not only of empirical analysis and comparative analysis but recommendations and suggestions with some theoretical work. So to face the challenge of poverty, the community of Jintap Hamlet have tried to create awareness among others by establishing masjid-based microfinance as an initiative to solve poverty in Jintap Hamlet.poverty Abstrak Makalah ini mengulas bukti dampak peran keuangan mikro islam di Dusun Jintap dengan wujud peduli masyarakat antar sesama melalui pembiayaan yang mudah, dan menguntungkan sebagai solusi dalam mengentaskan kemiskinan. Studi ini mempromosikan keuangan mikro Islam dengan instrument berdasarkan keuangan social (ZIS) yang berkontribusi dalam menghadapi tantangan dalam pengentasan kemiskinan. Dan menyarankan sebagai salah satu alat pengentasan kemiskinan terbaik, terutama di kalangan masyarakat Muslim dengan meninjau beberapa pengukuran dari saran peneliti lain melalui tinjauan literatur sistematis. Makalah ini adalah penelitian studi kasus dengan pendekatan kualitatif dan diperkuan dengan kajian literatur lebih dari 30 artikel yang berkaitan dengan keuangan mikro yang mencoba meninjau dan menganalisis bidang-bidang yang diteliti para peneliti dalam peran keuangan mikro. Survei ini tidak hanya terdiri dari analisis empiris dan analisis komparatif tetapi rekomendasi dan saran dengan beberapa karya teoritis. Maka untuk menghadapi tantangan kemiskinan, masyarakat Dusun Jintap telah berusaha menciptakan kepedulian antar sesama dengan mendirikan keuangan mikro islam berbasis masjid menjadi inisiatif untuk menyelesaikan kemiskinan yang ada di Dusun Jintap.

STUDENT CONTRIBUTIONS IN WAQF ARE REVIEWED THROUGH FACTORS OF RELIGIOSITY, KNOWLEDGE, AND FINANCIAL ATTITUDES Abdul Latif; Meichio Lesmana; Rusyda Afifah Ahmad; Antoni Julian
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 2 (2022): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Waqf is one of the important instruments and has enormous potential from a social and financial perspective. There are many types of waqf, one of which is money waqf or cash waqf. Cash waqf has different characteristics from zakat and alms. Waqf has very significant benefits if the waqf is given in a productive form. However, currently, the great potential of waqf has not been implemented properly. The purpose of this study is to analyze the students' intentions in waqf which are influenced by factors of religiosity, knowledge, and financial attitudes. This research uses Structural Equation Modeling method with the Lisrel tool. The results showed that the factors of religiosity and knowledge were less influential than the factors of financial attitudes which had a stronger influence. In a sense, students' interest in spending their money in the form of alms can be seen in their financial attitude.

PERAN KEUANGAN MIKRO ISLAM TERHADAP KETAHANAN PANGAN PEDESAAN BERKELANJUTAN ERA REVOLUSI 4.0 Syamsuri Syamsuri; Rusyda Afifah Ahmad; Setiawan bin Lahuri; Mulyono Jamal
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 6 No 3 (2022)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Makalah ini mengulas peran Lembaga Keuangan Mikro Islam (LKMI) dalam mewujudkan ketahanan pangan masyarakat pedesaan. Ketahanan pangan yang didefinisikan sebagai kondisi aman dari kelaparan atau ketersediaan makanan yang cukup, kemudahan akses dalam memperoleh makanan yang berkualitas dan bergizi, menjadi isu kajian yang terus menarik perhatian para pakar ekonomi. Hal itu karena ketahanan pangan merupakan salah satu indikator kesejahteraan dan bahkan strategi dalam menyelesaikan masalah kemiskinan. Problematika ini terus dialami masyarakat pedesaan khususnya, karena lemahnya dalam permodalan yang berdampak pada tingkat daya beli pangan. Akan tetapi pada aspek lain memberikan keuntungan bagi lembaga mikro konvensional dalam memanfaat situasai ini dengan meningkatkan suku bunga dan mengekang masyarakat menengah ke bawah. Maka, hadirnya LKMI dengan asas ta’awun melalui pembiayaan syariah dan program pemberdayaan di tengah masyarakat pedesaan layak untuk dikaji ulang karena menjadi solusi bagi masyarakat atas hambatan permodalan. Dengan menggunakan pendekatan kualitatif yang bersifat library research terhadap literatur yang berkaitan dengan keuangan mikro, dianalisa secara empiris, komparatif dan pemberian rekomendasi dengan beberapa karya teoritis, akhirnya makalah ini menyimpulkan bahwa LKMI memiliki peran dalam mewujudkan ketahanan pangan pada masyarakat pedesaan yaitu pengembangan ekonomi, adopsi teknologi baru, mekanisme pertanian yang lebih baik, peningkatan produktivitas, peningkatan standar hidup petani dan pemberantasan kemiskinan.

FACTORS AFFECTING GENERATIONAL MILLENNIALS' DESIRE TO SPEND MONEY ON WAQF abdul latif; Rusyda Afifah Ahmad; Meichio Lesmana; Fikriyyatun Nabila
Muslim Heritage Vol 7, No 2 (2022): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v7i2.4439

AbstractWaqf is currently in the limelight for its contribution to social activities. Waqf offers a great deal of potential, especially given the current urgency to assist in financing education. Laziswaf is one of the initiatives aimed at promoting the sustainability of education. From here, the author observes students who drop out of school due to a lack of funds, whereas the establishment of a cashWaqf institution at a tertiary institution aims to assist students who lack funds in order for them to continue their studies. As a result, the goal of this study is to investigate the effects of religiosity, knowledge, and financial attitudes on students in educational institutions that have Waqf institutions in East Java. In this study, qualitative and quantitative methodologies were employed. This study used SEM with LISREL software version 8.70. The SEM technique is considered the best analytical strategy to examine multiple effects between independent and dependent variables simultaneously. 425 respondents made up the sample for this study. As a result of the study, the factors of knowledge and religion have less of an impact than the factor of financial attitude, which has a greater impact. Thus, this indicates that student waqf interest is less influenced by H1-knowledge and H2-spiritual understanding and, on the other hand, is more influenced by H3-financial attitudes than by H1 and H2. In a way, a student's desire to spend their money on charity can be inferred mostly from their financial outlook. AbstrakWakaf saat ini menjadi pusat perhatian karena kontribusinya dalam kegiatan sosial. Wakaf menawarkan banyak potensi, terutama mengingat urgensinya saat ini untuk membantu pembiayaan pendidikan. LAZISWAF merupakan salah satu inisiatif yang bertujuan untuk mendorong keberlanjutan pendidikan. Dari sinilah penulis melihat kasus siswa yang putus sekolah karena tidak memiliki dana, sedangkan pendirian lembaga wakaf tunai di perguruan tinggi bertujuan untuk membantu kasus siswa yang kekurangan dana agar dapat melanjutkan studinya. Maka penelitian ini mempunyai tujuan untuk mengkaji bagaimana pengaruh religiusitas, pengetahuan, dan sikap keuangan terhadap niat wakaf santri pada lembaga pendidikan yang memiliki lembaga wakaf di Jawa Timur. Dalam penelitian ini, metodologi kualitatif dan kuantitatif digunakan. Penelitian ini menggunakan SEM dengan software LISREL versi 8.70. Teknik SEM dianggap sebagai strategi analitik terbaik untuk menguji beberapa efek antara variabel independen dan dependen secara bersamaan. Penelitian ini menggunakan sampel sebanyak 425 responden. Penelitian ini menunjukkan bahwa sikap finansial lebih mempunyai pengaruh yang besar dibandingkan dengan faktor religiusitas dan pengetahuan. Dengan demikian, hal ini menunjukkan bahwa minat wakaf siswa kurang dipengaruhi oleh H1-pengetahuan dan H2-pemahaman spiritual dan sebaliknya lebih dipengaruhi oleh H3-sikap keuangan dibandingkan H1 dan H2. Di satu sisi, keinginan siswa untuk membelanjakan uang mereka untuk amal sebagian besar dapat disimpulkan dari pandangan keuangan mereka.

FACTORS AFFECTING GENERATIONAL MILLENNIALS' DESIRE TO SPEND MONEY ON WAQF abdul latif; Rusyda Afifah Ahmad; Meichio Lesmana; Fikriyyatun Nabila
Muslim Heritage Vol 7, No 2 (2022): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v7i2.4439

AbstractWaqf is currently in the limelight for its contribution to social activities. Waqf offers a great deal of potential, especially given the current urgency to assist in financing education. Laziswaf is one of the initiatives aimed at promoting the sustainability of education. From here, the author observes students who drop out of school due to a lack of funds, whereas the establishment of a cashWaqf institution at a tertiary institution aims to assist students who lack funds in order for them to continue their studies. As a result, the goal of this study is to investigate the effects of religiosity, knowledge, and financial attitudes on students in educational institutions that have Waqf institutions in East Java. In this study, qualitative and quantitative methodologies were employed. This study used SEM with LISREL software version 8.70. The SEM technique is considered the best analytical strategy to examine multiple effects between independent and dependent variables simultaneously. 425 respondents made up the sample for this study. As a result of the study, the factors of knowledge and religion have less of an impact than the factor of financial attitude, which has a greater impact. Thus, this indicates that student waqf interest is less influenced by H1-knowledge and H2-spiritual understanding and, on the other hand, is more influenced by H3-financial attitudes than by H1 and H2. In a way, a student's desire to spend their money on charity can be inferred mostly from their financial outlook. AbstrakWakaf saat ini menjadi pusat perhatian karena kontribusinya dalam kegiatan sosial. Wakaf menawarkan banyak potensi, terutama mengingat urgensinya saat ini untuk membantu pembiayaan pendidikan. LAZISWAF merupakan salah satu inisiatif yang bertujuan untuk mendorong keberlanjutan pendidikan. Dari sinilah penulis melihat kasus siswa yang putus sekolah karena tidak memiliki dana, sedangkan pendirian lembaga wakaf tunai di perguruan tinggi bertujuan untuk membantu kasus siswa yang kekurangan dana agar dapat melanjutkan studinya. Maka penelitian ini mempunyai tujuan untuk mengkaji bagaimana pengaruh religiusitas, pengetahuan, dan sikap keuangan terhadap niat wakaf santri pada lembaga pendidikan yang memiliki lembaga wakaf di Jawa Timur. Dalam penelitian ini, metodologi kualitatif dan kuantitatif digunakan. Penelitian ini menggunakan SEM dengan software LISREL versi 8.70. Teknik SEM dianggap sebagai strategi analitik terbaik untuk menguji beberapa efek antara variabel independen dan dependen secara bersamaan. Penelitian ini menggunakan sampel sebanyak 425 responden. Penelitian ini menunjukkan bahwa sikap finansial lebih mempunyai pengaruh yang besar dibandingkan dengan faktor religiusitas dan pengetahuan. Dengan demikian, hal ini menunjukkan bahwa minat wakaf siswa kurang dipengaruhi oleh H1-pengetahuan dan H2-pemahaman spiritual dan sebaliknya lebih dipengaruhi oleh H3-sikap keuangan dibandingkan H1 dan H2. Di satu sisi, keinginan siswa untuk membelanjakan uang mereka untuk amal sebagian besar dapat disimpulkan dari pandangan keuangan mereka.

THE INFLUENCE OF TRANSPARENCY, ACCOUNTABILITY, AND MANAGEMENT QUALITY ON INCREASING MUZAKI’S INTEREST Alfi Wahdatul Ilmi; Abdul Latif Rizqon; Mohammad Zen Nasrudin Fajri; Rusyda Afifah Ahmad
AN NUQUD Vol 2 No 2 (2023): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/annuqud.v2i2.588

The implementation of zakat in Indonesian society seems that there is still a gap between hope and reality, the majority of Indonesian Muslims have great zakat potential, but in reality, zakat funds are collected nationally through the National Amil Zakat Agency (BAZNAS) are far from what is expected. The Amil Zakat Nasional Agency (BAZNAS) has future challenges in the management of zakat to improve coordination between the Amil Zakat Agency and zakat institutions in Indonesia. This research aims to find out the Influence of Transparency, Accountability, and Quality of Zakat Management on muzaki interest in the BAZNAS Tasikmalaya Regency. This study uses a quantitative methodology, while the data source in this study is primary data by using questionnaires as a data collection tool. The population in this study is the entire muzaki in BAZNAS Tasikmalaya Regency with a total of 5803 muzaki. The samples in this study used Maximum Likelihood. The sample was taken as many as 140 Muzaki in BAZNAS Tasikmalaya Regency. The sample selection method used is a nonprobability method that is random sampling which is a randomly selected sampling technique from muzaki that has been tapped. Data is processed using SEM analysis with Smart-PLS 3.0 applications. The results of this study are the variables of transparency, accountability and management quality at BAZNAS Tasikmalaya Regency simultaneously affect the increase in interest in muzakki. However, partially accountability has a positive and significant effect on increasing interest in muzakki, and transparency has a positive and significant effect on increasing interest in muzakki, while management quality has a significant negative effect, this is proven to have a significant but negative effect on increasing interest in muzakki. In this study, transparency is a connecting variable between the accountability variable and management quality on the interest of muzaki, so that all variables are said to have a positive and significant influence through the transparency variable

Optimizing Hajj Finance in Indonesia: The Role of Wakalah Contract Akhmad Affandi Mahfudz; Penta Shahifah Dena; Rusyda Afifah Ahmad
Share: Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2 (2023)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v12i2.18091

In response to the surge of Hajj registrants in Indonesia, efficient and transparent management of Hajj funds has become imperative. This necessitates a more proactive role from the government to ensure adherence to both state regulations and Sharia principles when employing Wakalah contracts for efficient Hajj fund management. This study aims to clarify the legal framework surrounding Wakalah contracts to enable their more effective implementation and optimize Hajj fund management within both Sharia and state legal contexts. This research employs a juridical-normative method, where data is analyzed and interpreted systematically, logically, and critically, using a normative approach and drawing from relevant regulations, doctrines, legal principles, and other supplementary materials. The findings indicate that integrating Sharia principles into Wakalah contracts alongside a robust legal framework can maximize benefits for Hajj congregations and promote cost-effective fund management. Additionally, collaboration between Islamic banking institutions and Hajj regulators can facilitate process simplification and address existing challenges. Through its meticulous methodological approach, this research offers a deeper understanding of benefit ownership, Wakalah principles, and relevant legal and Sharia aspects. Its unique contribution lies in its focus on the value of benefit ownership, a comprehensive examination of legal and Sharia considerations, and the development of a practical framework for enhancing Hajj financial management in Indonesia.==============================================================================================================ABSTRAK – Optimalisasi Dana Haji di Indonesia: Peran Akad Wakalah. Dalam menghadapi lonjakan pendaftar haji di Indonesia, pengelolaan dana haji yang efektif dan transparan menjadi sangat penting. Hal ini menuntut pemerintah untuk lebih proaktif dalam memastikan penggunaan akad wakalah dalam pengelolaan dana haji sesuai dengan aturan agama dan negara. Penelitian ini bertujuan untuk membuka cakrawala hukum syariah dan negara tentang implementasi akad wakalah yang lebih efektif sehingga pengelolaan dana haji dapat lebih optimal. Data penelitian dikumpulkan dari sumber-sumber sekunder, seperti peraturan perundang-undangan, doktrin fikih, asas-asas hukum Islam, dan bahan pelengkap lain yang relevan. Menggunakan metode yuridis-normatif, data dianalisis dan ditafsirkan dengan pendekatan normatif dan disusun secara sistematis, logis, dan kritis. Hasil kajian menunjukkan bahwa integrasi prinsip syariah dalam kontrak wakalah, ditambah dengan kerangka hukum yang tepat, dapat memaksimalkan manfaat bagi jamaah haji dan mempromosikan pengelolaan yang efisien biaya. Hal ini karena wakalah dapat memberikan keleluasaan bagi nazir untuk mengelola dana haji secara profesional dan transparan. Selain itu, kolaborasi antara lembaga perbankan syariah dan regulator haji dapat mengatasi tantangan dalam hal regulasi, SDM, dan teknologi. Penelitian ini memberikan pemahaman yang mendalam tentang kepemilikan manfaat, prinsip wakalah, dan aspek hukum dan syariah yang relevan melalui metode yang cermat. Kontribusi unik dari penelitian ini terletak pada fokusnya pada nilai kepemilikan manfaat, wakalah, dan penelusuran yang komprehensif terhadap aspek hukum dan syariah, sehingga menawarkan kerangka kerja praktis untuk meningkatkan manajemen keuangan haji di Indonesia.

STUDENT CONTRIBUTIONS IN WAQF ARE REVIEWED THROUGH FACTORS OF RELIGIOSITY, KNOWLEDGE, AND FINANCIAL ATTITUDES Abdul Latif; Meichio Lesmana; Rusyda Afifah Ahmad; Antoni Julian
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 2 (2022): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v5i2.5394

Waqf is one of the important instruments and has enormous potential from a social and financial perspective. There are many types of waqf, one of which is money waqf or cash waqf. Cash waqf has different characteristics from zakat and alms. Waqf has very significant benefits if the waqf is given in a productive form. However, currently, the great potential of waqf has not been implemented properly. The purpose of this study is to analyze the students' intentions in waqf which are influenced by factors of religiosity, knowledge, and financial attitudes. This research uses Structural Equation Modeling method with the Lisrel tool. The results showed that the factors of religiosity and knowledge were less influential than the factors of financial attitudes which had a stronger influence. In a sense, students' interest in spending their money in the form of alms can be seen in their financial attitude.

Integrating Islamic Business Ethics Into Retail Marketing Strategies: A Case Study Of Sakinahmart Surabaya Raditya Hasan; Muhammad Alfan Rumasukun; Rusyda Afifah Ahmad; Meichio Lesmana
Journal of Islamic Economic Studies Vol. 2 No. 1 (2026): March 2026
Publisher : Yayasan Darussalam Patalassang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66274/

This research examines the integration of Islamic business ethics into marketing strategies at Sakinahmart, using qualitative research and a case study approach. The 7Ps of marketing mix (product, price, place, promotion, people, process, and physical evidence) are used as an analytical framework to identify the implementation of Islamic business ethics in marketing strategies. Data was obtained through interviews, observations, and documentation, then analyzed using data reduction, data presentation, and conclusion techniques. The results show that Sakinahmart consistently integrates Islamic business ethics values into all of its marketing strategies. The sale of products is guaranteed to be halal with halal certification. Pricing is determined transparently, fairly, and without price monopolies. Product distribution is carried out while maintaining halal compliance and avoiding hoarding. Promotions are conducted honestly, without exaggeration or misleading consumer information. Human resources at Sakinahmart practices ethical behavior and provides fair wages and compensation. Operational processes follow Sharia standards and utilize Sharia financial services. Physical evidence of this integration is reflected in the provision of worship facilities and an Islamic store atmosphere. This integration contributes to increased consumer loyalty and strengthens retail competitiveness in Surabaya.

The Impact of E-WOM and Digital Marketing on Unida Gontor Female Students' Wardah Product Purchase Decisions Nusa Dewa Harsoyo; Hasna Dini Nur Fuady; Rusyda Afifah Ahmad; Soritua Ahmad Ramdani Harahap
TIJAB (The International Journal of Applied Business) Vol. 10 No. 2 (2026): JUNE 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/tijab.v10.I2.2026.85137

Background: This research aims to determine the influence of digital marketing and E-WOM on the purchase decisions of Wardah Unida Gontor students regarding products. Objective: This research examines the influence of digital marketing and E-WOM on the purchase decisions of Unida Gontor students regarding Wardah products. This study was analyzed with SmartPLS version 4.0.9.0. Method: This study employed a quantitative research design. Data were gathered through purposive sampling, yielding 112 respondents among Unida Gontor female students who had purchased Wardah products. Analysis was carried out using the SEM-PLS method. Results: Findings indicate that digital marketing does not significantly affect Wardah product purchase decisions, while E-WOM shows a positive and significant influence on those decisions. Conclusion: Contains Digital marketing had no significant effect on the purchase decisions of Unida Gontor female students. By contrast, E-WOM exerts a positive and meaningful influence on their decision to buy Wardah products. Keywords: Digital Marketing; Purchase Decision; Electronic Word of Mouth; Islamic Business Ethics.

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