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All Journal At-Taradhi: Jurnal Studi Ekonomi Islamic Ecomonics Journal Jurnal Al-Qardh Al Tijarah NUANSA: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam al-Uqud : Journal of Islamic Economics Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah EQIEN - JURNAL EKONOMI DAN BISNIS Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Kumawula: Jurnal Pengabdian Kepada Masyarakat EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business JIEB : Jurnal Ilmiah Ekonomi Bisnis Journal of Islamic Economics and Finance Studies Journal of Islamic Economics and Philanthropy Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) AMALA Jurnal Pengabdian Kepada Masyarakat el hisbah: Journal of Islamic Economic Law Al-Aflah JCAIP: Journal of Contemporary Applied Islamic Philanthropy Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Al-Infaq: Jurnal Ekonomi Islam Alkasb: Journal of Islamic Economics Mitsaq : Islamic Family Law Journal
Atika Zahra Maulida
UIN Antasari Banjarmasin
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Bank Indonesia Syariah Certificate: Encouraging Economic Growth During The COVID-19 Pandemic Agus Purnomo; Atika Zahra Maulida; Siti Fatimah Tuzahra; Dian Ayu Lestari
AL-QARDH Vol 8, No 1 (2023): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v8i1.5748

Abstract

The Bank Indonesia Sharia Certificate (SBIS) is one of the sharia monetary instruments used by Bank Indonesia in formulating monetary policy. The development of SBIS is related to several factors: inflation growth, the economy, and the development of the gross domestic product. This study aims to determine how to implement the Bank Indonesia Sharia Certificate (SBIS) in encouraging monetary economic growth during the Covid-19 pandemic. The slowdown in economic growth and regional economic performance due to the impact of the Covid-19 virus outbreak that attacked the economy resulted in a decline in economic performance. The role of money market products (SBIS) can encourage economic growth and development through Islamic money market transactions.  This research method uses descriptive qualitative research with a library research approach and interviews.  In collecting interview data using the accidental sampling method conducted on Bank Indonesia staff directly at the research location and data on the growth, economy, and development of SBIS during the Covid-19 pandemic. Research results: The Bank Indonesia Sharia Certificate (SBIS) implementation has generally been carried out properly by Bank Indonesia. When Bank Indonesia issues SBIS and sells it to the public, this will cause the money supply in the community to decrease. When the money supply in society decreases, then inflation can be suppressed. When inflation can be suppressed, this will indirectly affect the increase in financing disbursements in Islamic banks. So, it can be concluded that SBIS significantly affects financing distribution in Islamic banking. When financing distribution increases, this will help MSME players affected by Covid-19 in terms of capital. The role of SBIS during the Covid-19 pandemic can stimulate and encourage economic growth performance.
GREEN SUKUK RITEL TERHADAP PEMBANGUNAN BERKELANJUTAN DI INDONESIA Atika Zahra Maulida; Normailati Normailati; Agus Purnomo
Al-Aflah Vol 2, No 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/al-aflah.v2i2.6588

Abstract

Obligasi hijau mulai menyasar investor perorangan dari penerbitan green sukuk ritel. Hal ini dilatarbelakangi oleh meningkatnya pangsa investor pada produk investasi berkelanjutan dalam tujuh tahun terakhir yang berasal dari agen aset yang kurang dikelola. Metode penelitian yang diterapkan pada penelitian ini merupakan kuliatatif dengan pendekatan literatur review. Metode penelitian kualitatif mengkaji dari literatur review dari perkembangan transaksi green sukuk dari tahun 2018 sampai 2022. Hasil penelitian ini menunjukan bahwa secara khusus obligasi hijau mampu memintaskan sumber daya dari pasar modal dalam negeri dan luar negeri untuk mengatur perubahan iklim, energi bersih dan terjangkau serta ekosistem lautan dan daratan. Obligasi Hijau diterbitkan mulai menyasar investor individu dari penerbitan Obligasi Hijau ritel. Hal ini dilatarbelakangi dari pangsa investor yang meningkat di produk investasi berkelanjutan Pada kurun waktu 7 tahun terakhir dari agen aset under manajemen. Di tahun 2012 hanya 11% dari investasi berkelanjutan di dunia dikendalikan oleh investor ritel. Proporsi itu lalu meningkat jadi 25% di tahun 2018. Negara yang sudah mengeluarkan Obligasi Hijau ritel diantaranya adalah Jepang, Canada, New Zealand, Amerika Serikat serta Afrika Selatan. Sedangkan di Indonesia melalui Kementerian Keuangan juga menerbitkan 3 seri instrumen Obligasi Hijau dengan kerangka Green sukuk. Green sukuk merupakan instrumen Obligasi Hijau yang dikeluarkan sejalan dengan prinsip syariah Islam. Green sukuk pertama adalah sukuk Global yang terbit tahun 2018 senilai USD1,25 miliar.
IMPLEMENTASI ISLAMIC FINANCIAL PLANNING DALAM PERENCANAAN KEUANGAN PENGUSAHA MUSLIM ALUMNI GONTOR YOGYAKARTA Agus Purnomo; Atika Zahra Maulida
NUANSA: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Vol. 14 No. 1 (2017)
Publisher : Research Institute and Community Engagement of IAIN MADURA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/nuansa.v14i1.1315

Abstract

Wealth is something very important in human life, Islam has set wealth managementclearly both personal and public. Today the concept of Islamic Financial Planning is being developed as modern wealth management for Moslems which have been modified to adjust the demands of the times. The concept of Islamic Financial Planning is trying to accommodate the particula rneeds of the Muslim entrepreneurs. This study al soreviews and discusses about the implementation of Islamic Financial Planning among Muslim entrepreneurs. This study aims to capture and analyze the application of Islamic Financial Planningin business practices of Muslim entrepreneurs.This research is a field research. The object of this studyis entrepreneurs of Gontor’s Alumni (10 informants), who are assumed to have been very familiar with the Islamic property management. Data are collected through interviews, observation and documentation. It was then analyzed using a qualitative descriptive method. The result ofthis studyis that almost of the 10 informants have implemented both Islamic Financial Planning and Islamic wealth management. In the instruments of Investment, saving, and filantropy all of the ten informants have implemented. but the other instrument, like insurance, testament, and bequest, all informants haven’t implemented yet. All informants have also implemented The guidance of Islamic Wealth Management, are: seeking for wealth (kasb), purchasing (infaq), and saving. Gontor also contributed in the business of informants, both in learning and networking. 
Green Sukuk Retail Towards Sustainable Development in Indonesia Atika Zahra Maulida; Noormailati; Agus Purnomo
Islamic Economics Journal Vol. 9 No. 1 (2023)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i1.9362

Abstract

Green Sukuk is one of the products in the Sharia capital market that wants to be developed to encourage the country's economic growth by applying Sharia principles. Green sukuk buying and selling transaction agreement using wakalah contract and ijarah. The issuance of Green Sukuk on retail sukuk products issued by issuers can encourage the country's economic growth. This study aims to determine the development and economic growth through green sukuk products in retail sukuk products.   This research uses qualitative methods with a literature review approach from previous research. The data collection method examines previous research in articles and progress reports, transactions, and economic growth from 2019 to 2022. The results of the data that have been collected will be used to answer the growth and development of green sukuk transactions on ST0060 retail sukuk products issued by the government and by private companies. The study's results explain that the performance improvement in retail sukuk products has increased yearly.  The performance of the Net Asset Value of retail sukuk (green sukuk) NAV in 2019 increased by 3.56%; in 2021, the performance value of the Net Asset Value of Bersi h decreased by 2.83% due to the impact of the Covid-19 pandemic.  In FY2022, the performance value of net assets increased by 41% due to stable economic performance. The role of government encouragement and economic performance growth has an impact on increasing Sharia capital market investors in retail sukuk products in 2022. The impact of performance, growth, development, and transaction growth on retail sukuk ST006 can be illustrated in the pattern. The graph shows a positive direction affecting the country's economic growth.
BANK INFAQ: RISK MANAGEMENT IN THE PROVISION OF UMKM CAPITAL DURING COVID-19 Agus Purnomo; Atika Zahra Maulida
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 14, No. 1 (2023)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v14i1.1824

Abstract

Bank Infaq is an Islamic public financial instrument that has economic empowerment activities. Infaq fund collection is carried out by infaq banks offline and online. This research was conducted to reduce risk and provide solutions to reduce the risk of jamming in the provision of business capital during the covid 19 pandemic. The study used qualitative methods by conducting interviews with the management, collection, and distribution of infaq funds. In collecting research data using the purposive sampling technique, the researcher takes data according to the categories that have been determined by the researcher at random. The analysis of the research results explains the collection, distribution, and risk management in providing UMKM business capital. Infaq funds collected by infaq banks have increased every year. Infaq funds will be channeled in economic empowerment activities such as providing business capital to UMKM actors affected by COVID 19. The distributed business capital will be monitored and evaluated to reduce the risk of default (bad credit).
The Effect of Dividends and Capital Gains on Underlying Assets in Green Sukuk Agus Purnomo; Atika Zahra Maulida
Journal of Islamic Economics and Finance Studies Vol 4 No 2 (2023): JIEFeS, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i2.6473

Abstract

Underlying assets are one of the required instruments for issuing sukuk to attract investors to invest in the Sharia capital market. Green sukuk is one of the sharia investment instruments issued by companies for retail sukuk products and has the aim of obtaining funding through debt securities or securities to encourage the company's growth and development performance through underlying assets. This research aims to determine the effect of dividends and capital gains on the underlying assets in retail sukuk. This research method uses a quantitative method with a descriptive approach. In collecting data, the random sampling method was used, where the research determined the number of samples using the Slovin method to know the number of samples and determine the sample categories for distributing questionnaires. The results of dividend research do have a significant influence on underlying assets. Based on the graph, dividend distribution has increased every year, thereby influencing the growth performance of underlying assets. A company will be said to be good if the income it earns is greater than its expenses, so it affects the company's assets. While capital gains also have a significant effect on the underlying assets in retail sukuk, it does not rule out the possibility that they will be influenced by other factors that are related to capital gains.   Underlying aset merupakan salah satu instrumen yang diperlukan dalam penerbitan sukuk untuk menarik minat investor berinvestasi di pasar modal syariah. Green sukuk merupakan salah satu instrumen investasi syariah yang diterbitkan perusahaan untuk produk sukuk ritel dan bertujuan untuk memperoleh pendanaan melalui surat utang atau surat berharga untuk mendorong pertumbuhan dan perkembangan kinerja perusahaan melalui aset yang mendasarinya. Penelitian ini bertujuan untuk mengetahui pengaruh dividen dan capital gain terhadap underlying asset pada sukuk ritel. Metode penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif. Dalam pengumpulan data digunakan metode random sampling, dimana penelitian menentukan jumlah sampel dengan menggunakan metode Slovin untuk mengetahui jumlah sampel dan menentukan kategori sampel untuk penyebaran kuesioner. Hasil penelitian dividen memang mempunyai pengaruh yang signifikan terhadap aset dasar. Berdasarkan grafik, pembagian dividen mengalami peningkatan setiap tahunnya sehingga mempengaruhi kinerja pertumbuhan aset dasar. Suatu perusahaan akan dikatakan baik apabila pendapatan yang diperoleh lebih besar dibandingkan dengan pengeluarannya, sehingga mempengaruhi kekayaan perusahaan. Meskipun capital gain juga berpengaruh signifikan terhadap aset dasar sukuk ritel, namun tidak menutup kemungkinan hal tersebut akan dipengaruhi oleh faktor lain yang terkait dengan capital gain.
PEMANFAATAN LIMBAH BIJI KARET MENJADI OLAHAN MAKANAN KRIPIK BERNILAI EKONOMIS Purnomo, Agus; Purnamasari, S.; Hadi, Abdul; Zahra Maulida, Atika
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 2 (2023): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v6i2.42025

Abstract

Banjarmasin merupakan daerah yang memiliki sungai yang luas dan pertanian dan perkebunan. Kalimantan selatan merupakan penghasil perkebunan karet terbanyak di pulau Kalimantan. Setiap hari para petani memetic hasil dari perkebunan karet sebesar 6,7 juta ton karet. Masyarakat Kalimantan selatan mengambil dari hasil pohon karet dalam bentuk getah yang bisa di jual. Adanya limbah biji karet yang tidak dimanfaatkan sehingga, limbah biji karet menjadi busuk dan mencermari lingkungan di sekitarnya. Adanya pemanfaatan limbah biji karet untuk dioleh menjadi olahan makanan yang memiliki nilai jual tinggi. Tujuan pelaksanaan pengabdian kepada masyarakat untuk memberikan pelatihan kepada masyarakat dalam memanfaatkan limbah biji karet dan menambah pendapatan masyarakat petani karet melalui olahan biji karet. Wanaraya adalah salah satu daerah di provinsi Kalimantan selatan kabupaten barito kuala memiliki luas lahan perkebunan karet terbesar di kabupaten barito kuala. Hasil dari perkebunan yang didapatkan di daerah wanaraya seperti:  pohon karet, pohon kelapa sawit, dan padi. Metode pelatihan pembuatan biji karet menjadi olahan makan seperti kripik biji karet dan kacang koro. Dalam pelatihan pembuatan makanan berbahan biji karet sebagai berikut: pertama memilih biji karet yang baru jatuh dari pohon, kedua, memisahkan kulit biji karet dari cangkang buah biji karet, ketiga, merebus daging biji karet, keempat, memisahkan buah biji karet dari kulit ari, kelima, pembuatan kripik dan kacang koro, keenam penjemuran, ketuju pengorengan kripik dan kacang koro, kedelapan pemberian rasa pada kripik dan kacang koro. Adanya pelaksanaan kegiatan ini berupa pelatihan pembuatan makanan ringan berbahan biji karet kepada masyarakat petani karet untuk memberikan peluang usaha dan penambahan pendapatan masyarakat petani karet dalam memanfaatkan limbah biji karet menjadi olahan makanan yang bermanfaat, memiliki nilai jual, menambah pendapatan, dan mengurangi tingkat limbah biji karet yang tidak dimanfaatkan. Banjarmasin is an area that has a large river and agriculture and plantations. South Kalimantan is the largest producer of rubber plantations on the island of Kalimantan. Every day the farmers memetic the yield from rubber plantations amounting to 6.7 million tons of rubber. The people of south Kalimantan take from rubber tree products in the form of sap that can be sold. The existence of rubber seed waste that is not used so that rubber seed waste becomes rotten and pollutes the surrounding environment. Rubber seed waste is used to be obtained into processed food with a high selling value. The purpose of implementing community service is to train the community in utilizing rubber seed waste and increase the income of the rubber farmer community through processed rubber seeds. Wanaraya is one of the areas in the southern Kalimantan province of Barito Kuala regency, which has the largest rubber plantation area in Barito Kuala regency. The results of plantations obtained in the wanaraya area include rubber trees, oil palm trees, and rice. Training methods for making rubber seeds into processed foods such as rubber seed chips and koro beans. In training on making food made from rubber seeds, as follows: first, choose rubber seeds that have just fallen from the tree. Second, separate the rubber seed skin from the shell of the rubber seed fruit. Third, boil the rubber seed flesh. Fourth, separate the rubber seed fruit from the epidermis. Fifth, the manufacture of chips and koro beans. The sixth is drying, the aiming of chips frying and koro beans, and the eighth gives flavour to the chips and koro beans. The implementation of this activity is in the form of training on making snacks made from rubber seeds for the rubber farmer community to provide business opportunities and increase. The income of the rubber farmer community in utilizing rubber seed waste into processed foods that are useful, have selling value, increase income, and reduce the level of rubber seed waste that is not used.
Young Entrepreneur Financial Planning Training (Pkpm) During the Covid 19 Pandemic Purnomo, Agus; Purnamasari, S.; Hani, Umi; Zahra Maulida, Atika
AMALA Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2023): May 2023
Publisher : Faculty of Economics and Islamic Business State Islamic Institute of Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/amala.v2i1.79

Abstract

Wealth is something that is very dharuri in human life, Islam has clearly regulated the management of wealth both personally and publicly. With possessions, humans can meet the needs of life both material and immaterial. The concept of Islamic Financial Planning (Sharia) or Islamic Financial Planning has a universal nature that can not only be applied to entrepreneurs during the Covid 19 virus pandemic so that business actors can plan products and finances when the Covid 19 virus outbreak hits the Indonesian homeland. In financial planning, entrepreneurs are able to provide training and financial preparation when experiencing a decrease in sales or a decrease in income due to the outbreak of the Covid-19 virus which results in a decrease in business performance and a decrease in business performance in financial design in the form of business and non-business. The implementation of this service activity is using training methods on how to prepare financial planning, marketing preparation, preparation of product quality results with the aim of being able to maintain business during the outbreak of the covid 19 virus.The outcome of this service activity is that business actors can plan finances, sales / marketing, and produce quality products that can compete in the market during the disaster of the covid 19 virus outbreak so that, A business that can survive and not suffer losses when a virus outbreak strikes.
Islamic Public Finance: Productive Zakat and Taxes As Instruments of The Country's Economy Zahra Maulida, Atika; Purnomo, Agus
Journal of Contemporary Applied Islamic Philanthropy Vol. 1 No. 2 (2023): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v1i2.45

Abstract

Purpose: This research aims to determine productive zakat and taxes in the management and distribution of funds for economic activities, education, health, and infrastructure. Zakat and taxes are instruments of income obtained by the community that must be spent based on the provisions stipulated in the Al-Quran and Hadith, while taxes are instruments of state income collected from the community from income tax, land, and building tax, value-added tax, income tax, and others. Methodology: The research method in this study uses a qualitative method with a descriptive approach using interview data and report data on the collection and distribution of productive zakat funds and taxes for the country's economic growth. This research data was collected using structured interviews regarding the collection and distribution of funds in economic activities, education, health, and infrastructure to provincial BAZNAS staff and South Kalimantan provincial tax staff. Findings: There are findings in research conducted by researchers that the contribution of productive zakat funds and taxes distributed in economic activities, education, health, and infrastructure development has an impact on regional economic growth of 56% from 2022-2023, and while the instrument is equal to 87 %.
PENGARUH GAYA KEPEMIMPINAN DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN PEGADAIAN SYARIAH CABANG KEBUN BUNGA BANJARMASIN putra, muhammad satria wahyu eka putra; Maulida, Atika Zahra
Jurnal Ilmiah Ekonomi Bisnis Vol 10 No 1 (2024): JURNAL ILMIAH EKONOMI BISNIS
Publisher : Jurnal Ilmu Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/jieb.v10i1.1452

Abstract

Penelitian ini dilatarbelakangi oleh suatu fenomena dimana dalam suatu perusahaan sumber daya manusia yang terdiri dari pemimpin dan karyawan merupakan suatu permasalahan dan penentu yang cukup penting bagi perusahaan. Selain itu pemimpin melalui penerapannya memiliki pengaruh yang sangat besar bagi perusahaan yang dipimpinnya karena gaya kepemimpinannya dan cara memotivasi bawahannya akan mempengaruhi kualitas kinerja yang dihasilkan oleh karyawannya. Dalam hal ini peneliti menguji Pengaruh Gaya Kepemimpinan Dan Motivasi Kerja Terhadap Kinerja Karyawan Pegadaian Syariah Cabang Kebun Bunga Banjarmasin. Jenis penelitian yang dilakukan oleh peneliti ini adalah penelitian lapangan (field research) menggunakan metode penelitian pendekatan deskriptif kuantitatif. Sampel yang digunakan pada penelitian ini sebanyak 30 responden, metode pengumpulan data yang dilakukan peneliti dengan menyebarkan kuesioner atau angket ke masing-masing karyawan yang ada di ruang lingkup Pegadaian Syariah Cabang Kebun Bunga Banjarmasin. Hasil penelitian menunjukkan bahwa (1) Adanya pengaruh simultan pada variabel Gaya Kepemimpinan dan Motivasi Kerja terhadap Kinerja Karyawan Pegadaian Syariah Cabang Kebun Bunga Banjarmasin. Hasil ini dapat dilihat dari nilai F hitungnya 28.560 > 3.35 dan pada nilai signifikansi 0.000 < 0.05. (2) Adanya pengaruh parsial pada masing masing variabel bebas terhadap Kinerja Karyawan Pegadaian Syariah Cabang Kebun Bunga Banjarmasin. Hal ini dapat dilihat dari Variabel X1 terhadap Y nilai T hitungnya 6.674 > 2.052 dan pada nilai signnifikansi 0.000 < 0.05. Kemudian pada Variabel X2 terhadap Y nilai T hitungnya 6.605 > 2.052 dan pada nilai signifikansi 0.000 < 0.05.
Co-Authors Abdul Hadi Abdul Hadi Agus Purnomo Agus Purnomo Agus Purnomo Agus Purnomo Agus Purnomo Agus Purnomo Annisa Mahfuzah ANNISA SAYYID Asyahri, Yusuf Dian Ayu Lestari Difi Dahliana Hafizah Hafizah Hani, Umi Ilmiah, Maeyza Kholisyatul Khairina, Nadia Maulidatul Islami Ma’mun, Muhammad Yulian Muhammad Arsyad Al Banjari Banjarmasin Muhammad Rifqi Hidayat Muzdalifah Muzdalifah Naimah Naimah Noormailati Normailati Normailati Purnamasari, S. Purnamasari, Shofia Purnomo, Agus putra, muhammad satria wahyu eka putra Radhiati, Raisa Risda Risdiana Siti Aminah Siti Fatimah Tuzahra Zakiyah Zakiyah Zakiyah Zakiyah