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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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Penerapan Sistem QRIS Dalam Penghimpunan Dana dan Penyaluran Dana Infaq Untuk Pemberdayaan Ekonomi Purnomo, Agus; Hadi, Abdul; Purnamasari, Shofia; Maulida, Atika Zahra
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 8 No 2 (2024): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v8i2.1377

Abstract

Penerapan sistem QRIS dalam pengumpulan dana infaq dapat memudahkan, cepat, aman, dan praktis dalam menyalurkan dana infaq. Dana Infaq yang terkumpul akan dikelola untuk kegiatan pemberdayaan ekonomi guna mendorong pertumbuhan ekonomi dan mengurangi pengangguran. Tujuan Penelitian mengetahui penghimpunan dana dan penyaluran dana infaq untuk pembangunan ekonomi umat. Melalui kegiatan kegiatan pemberian modal usaha, Pendidikan, Kesehatan dan wirausaha kepada masyarakat fakir miskin. Metode Penelitian mengunakan pendekatan deskriftif kualitatif dengan saple menggunakan purposive sampling. Teknik pengambilan sampel dengan metode wawancara dengan menentukan informan didasarkan pada ketentuan kategori sampel yang telah ditentukan oleh peneliti. Sumber data Dana Infaq yang terkumpul dan disalurkan dalam kegiatan pemberdayaan ekonomi umat. Kesimpulan data penelitian dalam bentuk laporan dan dicatat berdasarkan sistem transaksi digital. Penagihan dana Infak selain menggunakan QRIS dapat dengan cara lain seperti transfer antar bank Syariah dan lainnya. Setiap dana infaq yang diberikan kepada pelaku UMKM dan masyarakat miskin akan dipantau dan dievaluasi untuk menghindari risiko yang terjadi. Kegiatan pemberdayaan ekonomi umat dalam kegiatan pemberian modal usaha, Pendidikan, Kesehatan dan wirausaha kepada masyarakat fakir miskin. Dana infaq yang di himpun dan disalurkan sebagai solusi pengentasan kemiskinan dan pertumbuhan ekonomi daerah melalui program pemberdayaan ekonomi umat untuk mengurangi angka kemiskinan.
Strategic Management Analysis on Sharia Cooperative Problems in South Kalimantan in the Digital Era Naimah, Naimah; Zahra Maulida, Atika; Mahfuzah, Annisa
Tasharruf: Journal Economics and Business of Islam Vol 9, No 2 (2024): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i2.3151

Abstract

Entering the era of globalization, paradigm transformations in the world of internet, telecommunications, and mobile technology have a tremendous impact on the business world, including one of the areas that must be expanded and exploited optimally: cooperatives that assist low- and middle-income residents. There is a shift in cooperative management strategies employing digital transactions by adopting the following SWOT analysis: 1) the existence of digital transactions in Sharia cooperatives reduces money loans through loan sharks, 2) digital services are easy to understand and implement, transactions may be made anywhere and anytime, 3) lack of human resources who understand digital transactions, 4) ecosystem expansion and digitization in the financial sector, and 5) digital cybersecurity threats that can jeopardize both data and cooperative reputation. This research approach is a qualitative analysis using field-based interview standards. Data was collected using a purposive sampling strategy, with informants selected from Sharia cooperative managers, consumers, and directors. Strengths, weaknesses, threats, and opportunities were identified using SWOT analysis based on the interview data. The outcome of this study is the growth of sharia cooperatives in South Kalimantan, which face both internal and external challenges. These include a lack of human resources, the accessibility of digital-era infrastructure, cooperative management, the types of businesses and products that are offered, product marketing, cooperative institutions, and banking administration management. Based on the study's findings, the researcher came to the conclusion that applying the digital age to Sharia cooperatives has strengths, weaknesses, opportunities, and threats. These include assessing the community's needs, developing strategies and techniques for achieving cooperative goals, creating budgets and programs, and monitoring and managing the digital economic transformation applied to sharia cooperatives.
Efektivitas Kebijakan Penghimpunan Dana Zakat Infaq Dan Sodaqoh (ZIS) Dengan Menggunakan Payroll System Aminah, Siti; Maulida, Atika Zahra
el hisbah Journal of Islamic Economic Law Vol 4 No 2 (2024)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v4i2.9272

Abstract

This study aims to analyze the effectiveness of the ZIS fund collection policy using  the payroll system for civil servants by BAZNAS Banjarmasin City as the fund collector and manager.  The type of research used is empirical legal research with a combination approach (mix methods). The population of this study is 4,562 people. The research sample is 4,442 people with purposive sampling technique. Data analysis uses interactive analysis techniques and descriptive statistics. The results of the study are known from the collection of the ZIS payroll system for Banjarmasin City civil servants by BAZNAS Banjarmasin City in the process of  the payroll system is carried out through a 2.5% salary  deduction for muzakki civil servants  in groups III and IV. Then deductions of Rp. 5,000 and Rp. 10,000 for civil servants of groups I and II by the treasurer in each work unit. This policy is considered quite effective in collecting ZIS funds with the fulfillment of the indicators of substance, structure and legal culture. However, due to the policy being applied without coercion and is not required to all civil servants, the potential for ZIS payroll system funds for Banjarmasin City civil servants in 2023 is not in line with its realization. The contribution of this research is the evaluation of the implementation of the ZIS collection policy using the payroll system. In addition, the results of this study can be a model for implementation in other regions, especially in building a more structured, transparent, and legal-based ZIS collection system.
MONEY MARKET: THE ROLE AND IMPLEMENTATION OF ECONOMIC GROWTH IN THE NON-REAL SECTOR Maulida, Atika Zahra; Purnomo, Agus
Al Tijarah Vol. 10 No. 2 (2024): Al Tijarah l December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v10i2.12604

Abstract

The decision issued by the government to open community activities after the COVID-19 pandemic can encourage economic growth. The money market includes Bank Indonesia Syariah Certificates, SBIS Repurchase Agreement, Sharia Interbank Money Market Instruments, SBSN Repurchase Agreement, and other securities. This study aims to determine the role and implementation of the money market in the economic growth of the non-real sector through qualitative research methods. The data collection method uses accidental sampling, where the researcher interviews the perpetrators and managers of the Sharia money market. The quantitative approach distributes questionnaires about the role and implementation of money market transactions. The research results on money market products show that they are one of the instruments of financial products that can restore performance and economic growth. Money market product transactions have increased from month to month due to the influence of public interest and investment in money market products. The growth performance of the money market can come from increased revenues, sales, purchases, and transactions. The role and implementation of economic growth through the Islamic money market is government intervention and community contribution.
Analysis of Consumptive Behavior on Purchasing Power During Shopee Flash Sale Muzdalifah, Muzdalifah; Purnomo, Agus; Zahra Maulida, Atika
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i4.4132

Abstract

Advances in information technology cause changes in all aspects of life, one of which is in the aspect of trading, buying and selling trades can be done online. One of the online shopping media is shopee. Shopee is an online shopping platform that is familiar to the community, shopee is an online shopping platform that is popular with all people ranging from teenagers, and adults, to the elderly. The purpose of this study is to analyze consumptive behavior towards purchasing power during shopee flash sales. The type of research used is a qualitative approach with primary and secondary data sources with three active shopee user speakers, using data collection techniques in the form of observation, interviews, and documentation. And using data analysis techniques in the form of descriptive data analysis techniques
Mudharabah: Praktik perhitungan bagi hasil pada sukuk ritel dalam ekonomi syariah Agus Purnomo; Atika Zahra Maulida; Abdul Hadi
Alkasb: Journal of Islamic Economics Vol. 3 No. 1 (2024)
Publisher : Islamic Economics Study Program, Faculty of Sharia and Islamic Economics, Universitas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alkasb.v3i1.296

Abstract

Capital market transaction activities encourage the country's economic growth through the investment sector of Sharia capital market products and Sharia capital market portfolios traded by companies through Sharia capital market transactions. The research explains the practice of calculating income in retail sukuk products, corporations, and savings sukuk that use mudarabah contracts. The government issues securities to obtain funds and manages to get profits that will be distributed to investors with the principle of mudarabah contracts. The research aims to discover the practice of calculating retail sukuk profit sharing, selling retail sukuk, and implementing retail sukuk in the Sharia economy. The research method uses a qualitative method, using primary data from financial reports from the BI website. In contrast, secondary data is taken from books, journals, scientific papers, final projects, and others. The results of this research are retail sukuk issued with auction mechanisms, book-building, and private placement. There are several stages for retail sukuk sales and several stages for the implementation of sukuk. The shared practice of calculating the profit sharing applied the Sharia principles: 60%: 40%, 70%: 30%, and 50%: 50%. In 2022, the Sharia capital market distributed a surplus of IDR 175 billion. 
Strategi Finansial Menghadapi Inflasi Biaya Pendidikan: Edukasi bagi Masyarakat di RRI Pro 1 Banjarmasin Dahliana, Difi; Radhiati, Raisa; Ma’mun, Muhammad Yulian; Maulida, Atika Zahra
Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Vol. 9 No. 1 (2025): Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35326/pkm.v9i1.6507

Abstract

Inflasi biaya pendidikan merupakan tantangan yang signifikan bagi para orang tua di Indonesia, seringkali melebihi tingkat inflasi umum. Pada bulan Agustus 2024, inflasi pada kelompok pendidikan tercatat sebesar 0,65%, yang berdampak pada kenaikan biaya kuliah dan sekolah. Kenaikan biaya ini bahkan dapat mencapai 10 hingga 15% per tahun. Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan untuk meningkatkan pemahaman orang tua mengenai strategi finansial yang tepat dalam menghadapi inflasi biaya pendidikan. Program Mozaik Indonesia RRI Pro 1 Banjarmasin memberikan edukasi terkait langkah-langkah penting, termasuk perencanaan dan persiapan dana pendidikan secara matang. Diskusi interaktif bersama pendengar menunjukkan antusiasme masyarakat terhadap topik ini. Dengan perencanaan yang baik, diharapkan para orang tua dapat memastikan akses pendidikan berkualitas bagi anak-anak mereka tanpa terjebak dalam utang, terutama di tengah maraknya penggunaan pinjaman daring (online). Kegiatan ini menekankan pentingnya kesadaran finansial dan strategi diversifikasi sumber dana pendidikan sebagai langkah preventif dalam mengatasi dampak inflasi. Evaluasi interaktif menunjukkan adanya peningkatan kesadaran finansial di kalangan orang tua.
ANALISIS PENGELOLAAN KEUANGAN GUNA MENINGKATKAN ASET PONDOK PESANTREN IBNU MAS’UD PUTRI DI HULU SUNGAI SELATAN Ilmiah, Maeyza Kholisyatul; Hidayat, Muhammad Rifqi; Maulida, Atika Zahra
SOSEBI: Jurnal Penelitian Mahasiswa Ilmu Sosial Ekonomi dan Bisnis Islam Vol 5 No 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/sosebi.v5i1.10863

Abstract

Abstrak: Pengelolaan keuangan yang baik merupakan aspek krusial dalam menjamin keberlanjutan dan perkembangan suatu lembaga, termasuk lembaga pendidikan berbasis pesantren. Pengelolaan keuangan yang efektif tidak hanya mendukung operasional harian, tetapi juga berperan penting dalam meningkatkan aset dan kemandirian finansial lembaga. Penelitian ini bertujuan untuk menganalisis sistem pengelolaan keuangan yang diterapkan dalam meningkatkan aset Pondok Pesantren Ibnu Mas’ud Putri. Penelitian ini didasarkan pada teori manajemen keuangan yang efektif, yang menekankan pentingnya perencanaan, pengorganisasian, pengawasan, dan pengendalian keuangan. Metode yang digunakan adalah kualitatif deskriptif dengan pendekatan studi kasus. Teknik pengumpulan data meliputi wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa sistem pengelolaan keuangan yang diterapkan, seperti perencanaan anggaran, pencatatan keuangan berbasis digital, dan optimalisasi unit usaha pesantren, berkontribusi signifikan terhadap peningkatan aset, termasuk infrastruktur, sarana prasarana, dan fasilitas penunjang lainnya. Selain itu, penerapan prinsip transparansi dan akuntabilitas serta strategi diversifikasi sumber pendapatan menjadi faktor utama dalam mendukung kemandirian finansial pesantren. Dengan sistem pengelolaan keuangan yang baik, pesantren mampu menjaga keberlanjutan ekonomi serta meningkatkan kualitas layanan pendidikan bagi santri secara berkelanjutan. Kata Kunci: pengelolaan keuangan; pondok pesantren; peningkatan aset. Abstract: Financial management is a crucial aspect in ensuring the sustainability and development of an institution, including pesantren-based educational institutions. Effective financial management not only supports daily operations, but also plays an important role in increasing the assets and financial independence of the institution. This study aims to analyse the financial management system applied in increasing the assets of Ibn Mas'ud Pesantren Putri. This research is based on the theory of effective financial management, which emphasises the importance of financial planning, organisation, supervision and control. The method used is descriptive qualitative with a case study approach. Data collection techniques include interviews, observation, and documentation. The results showed that the implemented financial management system, such as budget planning, digital-based financial records, and optimisation of pesantren business units, significantly contributed to the increase in assets, including infrastructure, facilities, and other supporting facilities. In addition, the application of the principles of transparency and accountability as well as the strategy of diversifying income sources are the main factors in supporting the financial independence of pesantren. With a good financial management system, pesantren are able to sustain their economic sustainability and improve the quality of education services for students in a sustainable manner. Keywords: financial management; islamic boarding school; asset enhancement.
EFFECTIVENESS OF PRODUCTIVE ZAKAT FUNDS IN EVELOPMENT MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) IN SOUTH KALIMANTAN Mahfuzah, Annisa; Maulida, Atika Zahra; Asyahri, Yusuf; Sayyid, Annisa; Hafizah, Hafizah; Khairina, Nadia
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i02.8166

Abstract

MSMEs play a crucial role in driving economic growth and reducing poverty in South Kalimantan. Despite their significant contribution, this sector still faces various obstacles, including access to financing. Effective management of productive zakat funds has the potential to become an alternative funding instrument to address these challenges, while simultaneously increasing MSMEs empowerment and reducing poverty. Therefore, this study aims to assess the effectiveness of productive zakat management in supporting MSMEs and optimizing their impact on the regional economy. This study uses a descriptive-analytical approach in fieldwork. The method used is a combination of qualitative and quantitative methods. The population in this study were all beneficiaries of productive zakat funds through the digital economic empowerment programs Micropreneur 2023, Zmart 2023, and Biofloc system fisheries cultivation, as well as laying hen farmers, with a population of 160 beneficiaries and a research sample of 74 respondents accompanied by 8 informants. The research results show that the management of productive zakat through various programs implemented by Baznas in South Kalimantan has been running well, with most indicators achieving a high level of effectiveness. Two indicators, namely target success and program satisfaction, were declared effective, while the levels of input and output, as well as program achievement, were deemed quite effective. These findings indicate that productive zakat management plays a significant role as an alternative funding instrument in supporting MSMEs, while also making a real contribution to improving the community's economy by channeling funds to mustahik (recipients of zakat) who run MSME-scale businesses.
FIKIH: ANALISIS PERNIKAHAN DINI MENURUT PANDANGAN 4 MAZHAB Purnomo, Agus; Hani, Umi; Hadi, Abdul; Zahra Maulida, Atika
Mitsaq: Islamic Family Law Journal Vol 3 No 2 (2025): MITSAQ, VOLUME 3 NOMOR 2, 2025
Publisher : Fasya UIN Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/jm.v3i2.10707

Abstract

the phenomenon of early marriage is still widely found, especially in areas where the majority of educational awareness is still relatively low. The trend of early marriage is still a pro and con. There are also parents who want their children to graduate from school, become adults or be established first. There are concerns about failing their studies, getting divorced quickly because they are not old enough and the economy is difficult because they do not work. Research Objectives To find out the Fiqh View on early marriage according to the 4 Schools. This research method uses a descriptive qualitative method. This study uses a qualitative descriptive analysis, namely an analysis carried out through field studies to Ulama, Society, and the MUI of Banjarmasin City in collecting data using the purposive sampling research method. The purposive sampling method is a study conducted to take research samples in the field that have been determined based on the desired sample information, the interview technique uses a structured interview technique
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