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FINANCIAL INCLUSION IN STATE SECURITIES TRANSACTIONS AT BCA SYARIAH Agustina, Ria; Lemiyana
Journal Of Islamic Ekonomic and Business Vol 3 No 1 (2024): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v3i1.22363

Abstract

BCA Syari'ah Bank makes efforts to support financial inclusion by collaborating with the Ministry of Finance in Sharia Securities transactions. The research method used by researchers is literature study using secondary data with BCA Syari'ah Bank as the research object. The results obtained are that there are various efforts made by Bank BCA Syari'ah to support financial inclusion and State Sharia Securities have an impact on the economy in Indonesia by increasing the amount of state budget revenue and providing opportunities for the investing community to support domestic development.
DYNAMICS OF THE RUWAHAN TRADITION IN PALEMBANG MALAY SOCIETY: FROM SPIRITUAL TO COMMERCIAL Puspita, Fira; Rusli, Ris’an; Lemiyana; Diana
Journal of Community Service Vol 5 No 2 (2023): JCS, December 2023
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56670/jcs.v5i2.171

Abstract

Culture is a fundamental element in the formation of community identity, including for the Palembang Malay community. One of the cultures possessed by this community is the Ruwahan tradition. This article attempts to provide information about the Ruwahan tradition carried out by the Palembang Malay community as well as convey shifts or changes in the Ruwahan tradition among the Malay community in Palembang. Through the library research method, the author obtained information from various written sources that were relevant to the object of study, namely the Palembang Malay community. The results presented in this paper show that there was a shift in the Ruwahan tradition due to the inclusion of Islamic values in the early Ruwahan tradition which came from Hindu religious heritage. Then there was a change from spiritual ritual activities to commercial and economic aspects as well as the involvement of the Palembang Malay community who became active in commercialization in the current implementation of the Ruwahan tradition.
Strategi Pengelolaan Zakat Profesi Sebagai Upaya Peningkatan Kesadaran Berzakat Pada Baznas Kota Palembang Alvind Dwi Putra; Lemiyana; Chici Rima Putri Pratama
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 1 No. 4 (2024): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

This research is entitled "Professional Zakat Management Strategy as an Effort to Increase Zakat Awareness at BAZNAS Palembang City." Zakat is an amount of property that must be spent by a Muslim who has fulfilled the terms and conditions of the Shari'ah with the aim of giving it to groups who in accordance with the Shari'a are entitled to receive zakat. The purpose of this research is to find out the strategies used by BAZNAS (Badan Amil Zakat) to increase awareness of zakat at BAZNAS, to find out the impact BAZNAS faces in managing professional zakat, and also to find out the solutions used by BAZNAS in dealing with obstacles in management. professional charity. This type of research is field research using a qualitative approach and descriptive research methods. The data collection tools used were observation, interviews and documentation methods. The data analysis techniques used are data reduction, data presentation and drawing conclusions. The results of the research show that the strategy used by BAZNAS is to use management functions such as planning, organizing, implementing, supervising, the aim is for people to believe that the zakat they give to BAZNAS in the city of Palembang is really well managed and given to people who need help and also so that people have the awareness to pay zakat. The impact faced by BAZNAS in managing professional zakat is the lack of awareness of muzakki to pay zakat at BAZNAS which is caused by several factors such as lack of public knowledge, people's mindset that is not yet open, and the community environment. The solution used by BAZNAS to face these obstacles is by holding outreach and education to increase public knowledge about professional zakat.
Pengaruh Media Sosial Dan Self Efficacy Terhadap Keputusan Berinvestasi Di Pasar Modal Syariah Melalui Financial Technology Anggie Angraini; Lemiyana; Oki Sania Riski
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 1 (2024): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to investigate the influence of Social Media and Self Efficacy on Investment Decisions with Financial Technology as an intervening variable. The population for this research consists of Generation Z individuals in Palembang city who have made investment decisions, with a sample size of 100. Purposive sampling technique was employed to manage the sample, following several procedures. Data analysis was conducted using Structural Equation Modeling - Partial Least Squares (SEM-PLS) with SmartPLS version 4.1. The findings indicate that social media does not influence investment decisions, self efficacy positively affects investment decisions, social media influences financial technology, self efficacy influences financial technology, and financial technology influences investment decisions. In this study, financial technology fully mediates the relationship between social media and investment decisions, while self efficacy partially mediates the relationship between social media and investment decisions.
Optimalisasi Pentasyarufan Zakat, Infaq, dan Shadaqah Melalui Three Circles Model Dalam Mewujudkan Kesejahteraan Mustahik -, Mutiara Muslimah; Lemiyana; Chici Rima Putri Pratama
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 3 No 2 (2024): Vol 3, No 2 (2024)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v3i2.9144

Abstract

Mewujudkan kesejahteraan adalah suatu keadaan seseorang atau kelompok masyarakat yang menginginkan untuk memenuhi kebutuhannya secara material, spiritual, dan sosial dikarenakan belum terpenuhi. Zakat, infaq, dan shadaqah (ZIS) adalah pilar penting di lingkup sistem ekonomi Islam yang berperan dalam pentasyarufan kekayaan dan mewujudkan kesejahteraan mustahik sehingga dibentukkan lembaga khusus pengelola dana ZIS, yaitu Badan Amil Zakat Nasional (BAZNAS), salah satunya BAZNAS Kota Palembang. Optimalisasi pentasyarufan dana ZIS menjadi kunci dalam memaksimalkan manfaatnya bagi mustahik. Di dalam BAZNAS Kota Palembang terdapat kegiatan dalam pengelolaan ZIS baik dari pengumpulan, pendistribusian, maupun pendayagunaan. Penelitian ini bertujuan untuk mengetahui bagaimana penerapan optimalisasi pentasyarufan ZIS melalui three circles model dalam mewujudkan kesejahteraan mustahik. Three circles model terdiri dari tiga lingkaran yang saling berkaitan dalam pengelolaan ZIS: lingkaran merah (interaksi muzakki-amil), lingkaran hijau (interaksi amil-mustahik), dan lingkaran hitam (interaksi muzakki-amil-mustahik) dan apa saja faktor-faktor dalam pentasyarufan dana ZIS maupun dampak dari pentasyarufan dana ZIS tersebut. Penelitian ini adalah penelitian kualitatif dengan pendekatan studi kasus, memanfaatkan data primer dan data sekunder yang diperoleh melalui wawancara, observasi, dan dokumentasi. Berdasarkan hasil penelitian menunjukkan three circles model terbukti mampu mengoptimalkan pentasyarufan dana ZIS melalui identifikasi dan pemetaan kebutuhan mustahik yang akurat dan menyeluruh, pengembangan program pendistribusian dan pendayagunaan yang terarah dan berkelanjutan, pembentukan jaringan kerjasama dengan berbagai pihak terkait, pemanfaatan teknologi informasi dan komunikasi dalam pengelolaan ZIS, dan juga peningkatan akuntabilitas dan transparansi dalam pengelolaan ZIS. Penerapan three circles model ini menunjukkan hasil positif dalam meningkatkan kesejahteraan mustahik, seperti peningkatan pendapatan, akses terhadap pendidikan dan kesehatan, serta kemandirian ekonomi. Model ini dapat menjadi contoh bagi lembaga pengelola ZIS lainnya dalam mengoptimalkan pentasyarufan dana ZIS dan mewujudkan kesejahteraan mustahik. Kata kunci: ZIS, Pentasyarufan, Three Circles Model, Kesejahteraan
Optimization of Zakat, Infaq and Shadaqah Punishment Through The Three Circles Model In Realizing Mustahik Welfare Tiara, Mutiara Muslimah; Lemiyana; Chici Rima Putri Pratama
Jurnal I-Philanthropy Vol 4 No 2 (2024): I-PHILANTHROPY:A Research Journal On Management Of Zakat and Waqf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/iphi.v4i2.25236

Abstract

Abstract: Realizing well-being is a state where individuals or groups of society seek to meet their material, spiritual, and social needs due to unmet requirements. This study aims to evaluate and optimize the distribution of Zakat, Infaq, and Shadaqah (ZIS) funds through the implementation of the Three Circles Model to achieve the well-being of mustahik at BAZNAS Kota Palembang. The Three Circles Model, developed by the Ministry of Religious Affairs of the Republic of Indonesia, integrates a holistic approach in ZIS fund management with a focus on three main areas: muzakki, amil, and mustahik, encompassing social, economic, and religious aspects. This research employs a mixed-methods approach, combining quantitative analysis of ZIS fund collection and distribution data with qualitative interviews with mustahik and amil at BAZNAS Kota Palembang. The findings indicate that during the first six months of 2024, BAZNAS Kota Palembang successfully collected a total of Rp3,968,830,416 in ZIS funds and allocated Rp2,645,040,148 to various programs, including "Palembang Peduli," "Palembang Sehat," "Palembang Makmur," "Palembang Cerdas," and "Palembang Taqwa." These programs have had a positive impact on improving the well-being of mustahik by meeting basic needs, improving housing conditions, providing health services, supporting education, and creating job opportunities. However, challenges such as fluctuations in fund collection and suboptimal allocation from the total funds collected were noted. This study recommends enhancing transparency and accountability in fund management, improving distribution mechanisms to reduce disparities, and developing more effective monitoring and evaluation systems. Additionally, suggestions for future research include studying long-term impacts, innovations in management, and comparative analysis with other zakat institutions. By implementing the Three Circles Model, BAZNAS Kota Palembang is expected to more effectively optimize the distribution of ZIS funds and achieve the goal of mustahik well-being in a more comprehensive and sustainable manner.
Pengaruh Word Of Mouth Dan Customer Experience Terhadap Kepuasan Mahasiswa Menggunakan Bsb Syariah Pembayaran UKT Mahasiswa UIN Raden Fatah Palembang Ayu Lestari; Lemiyana; M. Junestrada Diem
Journal of Business Economics and Management | E-ISSN : 3063-8968 Vol. 1 No. 2 (2024): Oktober - Desember
Publisher : GLOBAL SCIENTS PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jbem.v1i2.42

Abstract

Word of mouth is communication by word of mouth regarding the quality of a product. Customer experience is a series or strategy and implementation carried out by a company to manage relationships with customers regarding the use of the company's products or services. This research aims to analyze the influence of word of mouth and customer experience on student satisfaction in using BSB Syariah services for paying Single Tuition Fees (UKT) at UIN Raden Fatah Palembang This type of research uses quantitative research with Likert scale questionnaire data collection techniques. The object of this research is undergraduate students in Sharia Banking class 2020 and 2021, Faculty of Islamic Economics and Business, UIN Raden Fatah Palembang. The number of respondents was 83 with a questionnaire of 32 statements. The research results show that word of mouth has a positive and significant effect on student satisfaction, with a t-count value of 4.285 which is greater than t-table 1.644 and a significance value of 0.000 which is smaller than 0.05. Furthermore, customer experience is also proven to have a positive and significant influence on student satisfaction, with a t value of 6.399 which is greater than t table 1.644 and a significance value of 0.000 which is smaller than 0.05. Together, word of mouth and customer experience have a significant effect on student satisfaction, with an Fcount value of 114.533 which is greater than Ftable 3.11 and a significance value of 0.000 which is smaller than 0.05. Thus, the combination of word of mouth and customer experience plays an important role in increasing student satisfaction with BSB Syariah services.
Etos Kerja dan Budaya Kerja Perempuan Melayu di Era Globalisasi: Etos Kerja dan Budaya Kerja Perempuan Melayu di Era Globalisasi Lemiyana; Ris'an Rusli; Maftukhatusolikhah; Fira Puspita
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 11 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v11i1.11613

Abstract

This research aims to examine the work ethic and work culture as well as the factors that influence the work ethic and work culture of Malay women in the Era of Globalization. The research focus is on Women Traders at the Pasar Induk Jakabaring. This type of research is qualitative research with a descriptive approach which aims to describe various facts accurately and systematically. There are two sources of data in this research, namely primary sources such as female traders. Secondary data sources through literature searches from books and journals. The research respondents were 8 traders. Data collection techniques through in-depth interviews, direct observation at the Pasar Induk Jakabaring Palembang and documentation. The collected data was analyzed using an interactive model, namely data reduction, data presentation and drawing conclusions. The results of the research show that Palembang Malay women as traders at the Pasar Induk Jakabaring have a very good work ethic and a high work culture, namely the spirit of hard work, responsibility for family and work, having a spirit of mutual cooperation, respecting time, having a foresight and sincerity in work. Malay female traders also have an important role in meeting family needs, especially in economic matters.
Pengaruh Etos Kerja dan Motivasi Terhadap Pendapatan Pedagang Perempuan di Pasar Kebun Bunga Kota Palembang Miranda; Lemiyana; Citra Pertiwi
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Al-Iqtishod: Jurnal Ekonomi dan Bisnis Islam
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/iqtis.v6i1.2043

Abstract

Abstrak. Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh etos kerja dan motivasi terhadap pendapatan pedagang perempuan di Pasar Kebun Bunga Kota Palembang. Metode Penelitian yang digunakan adalah  kuantitatif, dengan populasi sebanyak 50 Responden dan sampel di ambil dengan menggunakan teknik sampling jenuh. Responden merupakan pedagang perempuan di Pasar Kebun Bunga Kota Palembang. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan berbagai uji, uji validitas, uji reliabilitas, uji asumsi klasik, regresi linier berganda serta pengujian hipotesis seperti uji koefisien determinasi (R2), Uji T dan Uji F. Menurut hasil penelitian dari uji koefisien determinasi (R2) bahwa persentase pengaruh etos kerja dan motivasi terhadap pendapatan pedagang perempuan sebesar 69,7%, sisanya 30,3% dipengaruhi oleh variabel lain yang tidak termasuk dalam penelitian ini. Uji T menunjukkan bahwa etos kerja dan motivasi berpengaruh secara parsial  positif dan signifikan terhadap pendapatan pedagang perempuan di Pasar Kebun Bunga Kota Palembang dan motivasi berpengaruh secara parsial  positif dan signifikan terhadap pendapatan pedagang perempuan di Pasar Kebun Bunga Kota Palembang. Selain itu, hasil uji F menunjukkan bahwa etos kerja dan motivasi berpengaruh secara bersama-sama/simultan positif dan signifikan terhadap pendapatan pedagang perempuan di Pasar Kebun Bunga Kota Palembang. Oleh karena itu, penting untuk meningkatkan etos kerja dan motivasi pedagang perempuan agar dapat meningkatkan pendapatan mereka.Etos kerja dan motivasi dapat diinterpretasikan sebagai sikap dan semangat yang dimiliki seseorang atau kelompok terhadap pekerjaan, yang dipengaruhi oleh berbagai kebiasaan, serta sistem nilai yang diyakini. Kata kunci : Etos kerja, Motivasi dan Pendapatan
Implementasi Pembayaran Zakat Perdagangan Oleh Pelaku Usaha Coffee Shop Di Kota Palembang Beben Benardi; Lemiyana; Abubakar Sidik
Journal of Religion and Social Community | E-ISSN : 3064-0326 Vol. 1 No. 3 (2025): Januari - Maret
Publisher : GLOBAL SCIENTS PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jrsc.v1i3.177

Abstract

There are quite a lot of coffee shops in Palembang. There are 90 active Coffee Shops which can be seen from the Instagram account @liburhariselasa as a Coffee Shop review in Palembang, this is because there are many coffee lovers/visitors in the city of Palembang. With so many visitors coming to the coffee shop, it is not surprising that the profits earned by coffee entrepreneurs are so high, even the capital spent does not reach the income from the business. However, there are still entrepreneurs who do not understand and do not understand the zakat that must be paid on their income, there is income zakat or trade zakat that must be paid when the business has reached the calculation in Islamic Sharia. From the previous study, researchers were interested in researching the implementation of trade zakat by coffee shop business actors in Palembang.The type of research used in this research is qualitative research with a descriptive approach when presenting situations studied in the field, identifying problems that arise, and analyzing them in detail based on factual and accurate data. This research also uses Field Research or field research which means research in which data collection focuses on informants who have been determined.From the results of this research, it was noted that there were several coffee entrepreneurs in the city of Palembang who did not really understand the obligation to pay zakat on trade from an Islamic perspective. However, there are also business actors who understand their obligation to pay trade zakat, and have also carried out zakat payments in accordance with an Islamic perspective. Apart from that, there are also business actors who have paid trade zakat but the payment is not correct and not in accordance with Islamic law. Business actors who do not understand do not pay trade zakat in accordance with an Islamic perspective. In its implementation, the practice of paying trade zakat that has been carried out by the owner of Tjipta Djaja and Kopi Cepat is correct and in accordance with the ordered zakat payments, therefore, the payments made by coffee entrepreneurs are said to be in accordance with Islamic law. Meanwhile, Floor 4 Coffee already understands the understanding of trade zakat. but has not done so because his income has not met the nisab for calculating trade zakat. There are also coffee shop business actors who do not fully understand the payment of zakat on trade such as Dialek and Beruang Coffee.