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All Journal Open Access Indonesia Journal of Social Sciences Open Access Indonesia Journal of Social Sciences El-Qish: Journal of Islamic Economics
Imam Nur Ngaini
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Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Analysis of Rahn and Murabahah Financing in Baitul Maal Wa Tamwil (BMT): Qualitative Study of Agricultural Businesses in Kanigoro, Blitar Regency, Indonesia Yusuf, Saifudin; Imam Nur Ngaini; Ulin Nuha
Open Access Indonesia Journal of Social Sciences Vol. 7 No. 4 (2024): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v7i4.253

Abstract

The agricultural sector in Indonesia plays an important role in supporting food security and economic stability. However, this sector is still faced with various obstacles, one of which is limited access to capital. Baitul Maal Wa Tamwil (BMT) as an Islamic microfinance institution offers financing solutions for farmers using sharia principles, such as rahn and murabahah. This research aims to analyze the rahn and murabahah financing schemes implemented by BMT in Kanigoro, Blitar Regency, as well as their impact on agricultural businesses in the area. This research uses a qualitative approach with a case study method. Data was collected through in-depth interviews with BMT administrators, rahn and murabahah financing customers, as well as other related parties. The data analysis technique was carried out using thematic analysis. BMT in Kanigoro, Blitar Regency implements rahn and murabahah financing schemes with sharia principles in accordance with the provisions of the Islamic religion. Rahn financing uses collateral, while murabahah financing uses a buying and selling system with an agreed profit margin. BMT rahn and murabahah financing has several advantages compared to conventional financing, namely: Based on sharia principles that avoid usury; Easy and fast application process; Competitive interest rates; Assistance and coaching for customers. However, BMT also faces several challenges in carrying out this financing, namely: Lack of public understanding about sharia financing; Strict requirements for applying for financing; High risk of crop failure. In conclusion, the rahn and murabahah financing offered by BMT in Kanigoro, Blitar Regency is an alternative solution for farmers in accessing capital. The implementation of this financing scheme has a positive impact on agricultural businesses and improves farmer welfare.
Analysis of Rahn and Murabahah Financing in Baitul Maal Wa Tamwil (BMT): Qualitative Study of Agricultural Businesses in Kanigoro, Blitar Regency, Indonesia Yusuf, Saifudin; Imam Nur Ngaini; Ulin Nuha
Open Access Indonesia Journal of Social Sciences Vol. 7 No. 4 (2024): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v7i4.253

Abstract

The agricultural sector in Indonesia plays an important role in supporting food security and economic stability. However, this sector is still faced with various obstacles, one of which is limited access to capital. Baitul Maal Wa Tamwil (BMT) as an Islamic microfinance institution offers financing solutions for farmers using sharia principles, such as rahn and murabahah. This research aims to analyze the rahn and murabahah financing schemes implemented by BMT in Kanigoro, Blitar Regency, as well as their impact on agricultural businesses in the area. This research uses a qualitative approach with a case study method. Data was collected through in-depth interviews with BMT administrators, rahn and murabahah financing customers, as well as other related parties. The data analysis technique was carried out using thematic analysis. BMT in Kanigoro, Blitar Regency implements rahn and murabahah financing schemes with sharia principles in accordance with the provisions of the Islamic religion. Rahn financing uses collateral, while murabahah financing uses a buying and selling system with an agreed profit margin. BMT rahn and murabahah financing has several advantages compared to conventional financing, namely: Based on sharia principles that avoid usury; Easy and fast application process; Competitive interest rates; Assistance and coaching for customers. However, BMT also faces several challenges in carrying out this financing, namely: Lack of public understanding about sharia financing; Strict requirements for applying for financing; High risk of crop failure. In conclusion, the rahn and murabahah financing offered by BMT in Kanigoro, Blitar Regency is an alternative solution for farmers in accessing capital. The implementation of this financing scheme has a positive impact on agricultural businesses and improves farmer welfare.
Zakat Calculator Application: Enhancing the Academic Performance of Islamic Economics Students Yusuf, Saifudin; Imam Nur Ngaini; Andrean Permadi; Wahidatun Nafiah Al; Hardining Estu M
Open Access Indonesia Journal of Social Sciences Vol. 8 No. 1 (2025): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v8i1.285

Abstract

Zakat holds profound significance in the Muslim community. Its intricate calculations and diverse categories, however, often pose challenges for individuals striving to fulfill this religious obligation accurately. This research investigates the design, development, and impact of a Zakat Calculator Application on Islamic economics students' academic performance at UNU Blitar. By leveraging technology, this study aims to bridge the gap between traditional learning methods and the evolving needs of students in grasping the complexities of zakat. ADDIE development model (Analysis, Design, Development, Implementation, and Evaluation) guided the application's creation and evaluation. A sample of 60 students from a population of 90 was selected through simple random sampling. Data analysis involved descriptive statistics and an independent two-sample t-test to compare the performance of students using the application with those relying on traditional lecture and discussion methods. The Zakat Calculator Application demonstrated high validity and effectiveness. Expert evaluations yielded excellent scores (media experts: 96.25%, material and strategy experts: 95.55%, curriculum practitioners: 94.69%, lesson plan experts: 92.00%). The t-test results revealed significant improvement in academic performance for students using the application. The experimental group achieved a high academic performance level of 87.5%, compared to 50.5% in the control group. In conclusion, Zakat Calculator Application effectively enhances the academic performance of Islamic economics students. It simplifies zakat calculations, improves understanding of zakat regulations, and promotes compliance with Islamic principles. The application is recommended as a valuable learning tool in Islamic economics education.
Zakat Calculator Application: Enhancing the Academic Performance of Islamic Economics Students Yusuf, Saifudin; Imam Nur Ngaini; Andrean Permadi; Wahidatun Nafiah Al; Hardining Estu M
Open Access Indonesia Journal of Social Sciences Vol. 8 No. 1 (2025): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v8i1.285

Abstract

Zakat holds profound significance in the Muslim community. Its intricate calculations and diverse categories, however, often pose challenges for individuals striving to fulfill this religious obligation accurately. This research investigates the design, development, and impact of a Zakat Calculator Application on Islamic economics students' academic performance at UNU Blitar. By leveraging technology, this study aims to bridge the gap between traditional learning methods and the evolving needs of students in grasping the complexities of zakat. ADDIE development model (Analysis, Design, Development, Implementation, and Evaluation) guided the application's creation and evaluation. A sample of 60 students from a population of 90 was selected through simple random sampling. Data analysis involved descriptive statistics and an independent two-sample t-test to compare the performance of students using the application with those relying on traditional lecture and discussion methods. The Zakat Calculator Application demonstrated high validity and effectiveness. Expert evaluations yielded excellent scores (media experts: 96.25%, material and strategy experts: 95.55%, curriculum practitioners: 94.69%, lesson plan experts: 92.00%). The t-test results revealed significant improvement in academic performance for students using the application. The experimental group achieved a high academic performance level of 87.5%, compared to 50.5% in the control group. In conclusion, Zakat Calculator Application effectively enhances the academic performance of Islamic economics students. It simplifies zakat calculations, improves understanding of zakat regulations, and promotes compliance with Islamic principles. The application is recommended as a valuable learning tool in Islamic economics education.
The Islamic Financial System as a Solution to Poverty Problems in Indonesia Wahidatun Nafiah Alfarda; Saifudin Yusuf; Hardining Estu M; Imam Nur Ngaini; Andrean Permadi
El-Qish: Journal of Islamic Economics Vol. 4 No. 2 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Poverty is one of the main challenges faced by Indonesia, a country rich in natural resources and human potential. The presence of Islamic financial system is considered suitable for poverty alleviation programs. Islamic economics adheres to the principle of synergy (ta'awun) by creating economic justice to equalize the distribution of income and wealth, which is the goal of Islamic financial system. This research is a qualitative study with an inductive reasoning approach through a library research process. The data sources used to build the concept are secondary data derived from previous research in the form of articles discussing poverty. The research results show that the poverty rate in Indonesia tends to decrease from year to year. Market and banksbased industry have philosophical principles and operational bases that are integrated with social values and economic activities. Poverty will be reduced if all elements of society work together to support programs originating from the government and from other institutions, such as banking support for poverty alleviation.
Co-Authors Andrean Permadi Hardining Estu M Saifudin Yusuf Ulin Nuha Wahidatun Nafiah Al Wahidatun Nafiah Alfarda yusuf, saifudin