Garuda - Garba Rujukan Digital

Improving Sharia Financial Inclusion through Advancements in Technology and Compliance with Sharia Principles Zaki, Irham; Paham, Fanet Muhammad Hanifan; Zusak, M Bastomi Fahri
IQTISHADIA Vol 16, No 1 (2023): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v16i1.22116

This study aims to analyze the role of technology implementation and Sharia compliance in Islamic financial institutions in improving financial inclusion in Indonesia. This study employs a case study method using descriptive and explanatory techniques to investigate the relationship between the utilization of technology and compliance with Sharia principles in Peer-to-Peer Lending applied by ALAMI Sharia for contributing to the promotion of financial inclusion in Indonesia. This study focuses on analyzing Peer-to-Peer Lending ALAMI Sharia as the primary subject, specifically in relation to its impact on financial inclusion. The results of this study are then presented in a descriptive narrative manner to describe the findings in the field. Based on the four financial inclusion criteria used in this study: product penetration, product availability, product use, and product quality, it is generally understood that the implementation of advanced technology at Sharia financial institutions plays a crucial role in improving financial inclusion by providing service efficiency both in cost and time. Similarly, implementing Islamic financial principles contributes to enhancing financial inclusion in Indonesia by creating appealing financial products that comply with Sharia principles. These products are believed to ensure the high quality of financial products. This study provides empirical evidence on the prospects and the function of technology-based Islamic financial institutions, which will be very valuable for stakeholders in both practical and academic fields.

HOW DOES ISLAM SUPPORT THE GREEN ECONOMY? A STUDY ON TURATH PERSPECTIVE Mirzal, Husnul; Zaki, Irham; Zusak, M Bastomi Fahri
Journal of Islamic Monetary Economics and Finance Vol 10 No 4 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i4.1962

This study addresses how Islam supports a green economy using a thematic analysis of the turath. The results show that Islam strongly supports the implementation of the green economy. The green economy has been a part of Islamic teachings long before its conception in this modern era. In Islam, there are the four main goals of the green economy, namely creating an economy that is inclusive and fair, environmentally friendly, resources sustainable, and resources efficient. Islam can provide guidance and for solutions to all human problems, including those related to the economy and environment. As a policy recommendation, the Government and related parties can leverage on a religious approach to develop a green economy by for examples including Islamic values as well as involving Islamic institutions and Islamic figures in the National Green Economy Development Roadmap such that its goals can be better achieved.

Pelatihan Santripreneur Melalui Pengenalan Digital Marketing Untuk Santri Pondok Pesantren Darul Ulum Tragung Batang Fuadi, Ariza; Kurnia, Akhmad Syakir; Firmansyah; Sugiyanto, FX; Zusak, M Bastomi Fahri
Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat Vol. 2 No. 3 (2024): Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat
Publisher : Yayasan Sagita Akademia Maju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61579/beujroh.v2i3.224

This Community Service Program aims to empower students of the Darul Ulum Tragung Islamic Boarding School, Batang, through digital marketing training to develop their ultra-micro businesses. This training was conducted in three stages: introduction to digital marketing, case studies from other Islamic boarding schools, and creation and management of a marketplace. The results of the training showed an increase in students' understanding of digital marketing strategies and their ability to manage a marketplace. Several obstacles such as limited internet access and devices, as well as limited time in the Islamic boarding school environment, were successfully overcome with an adaptive approach. This program succeeded in providing strong digital-based entrepreneurial provisions for students while strengthening partnerships between Islamic boarding schools and universities.

Improving Productive Waqf in Baitul maal wa Tamwil Zusak, M Bastomi Fahri
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11216

Baitul maal wa tamwil (BMT) is Islamic microfinance institutions which utilizes waqf as a nazir. This research attempts to describe the model of improving waqf productive and baitul maal of BMT. So far, the implementation of the management concepts of baitul maal and baitut tamwil has not been balanced, BMT management is too focused on commercial financing of the function of baitut tamwil. This paper used qualitative approach, based on in-depth interview with experts of waqf and BMT practitioners and academicions. The results of the study show that good management in BMT is the existence of equality or balance between maal and tamwil. Human Resources baitul maal management needs to be strengthened in improvising productive waqf. The existence of a business plan that is made will create the direction and performance of the collection and utilization of waqf assets.

The Nexus between The Islamic Human Development Index (I-HDI), Unemployment, and Population Growth in Influencing Poverty Putri, Wafa Maharani; Santosa, Purbayu Budi; Zusak, M Bastomi Fahri; Mi'raj, Denizar Abdurrahman
Economica: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.1.25152

This research investigates the relationship between the Islamic Human Development Index (I-HDI), Unemployment, Population Growth, and their impact on Poverty in G20 countries from 2010 to 2021. A purposive sampling method was used to select eight countries: the United States, Indonesia, the United Kingdom, Italy, Germany, Canada, France, and Turkey. The I-HDI was calculated using five Maqasid Shariah indicators. Unemployment was measured by the national unemployment rate, and Population Growth was represented by the annual population growth rate. A total of 384 panel data points were analyzed using the Fixed Effect Model (FEM) regression technique. The findings reveal a robust negative relationship between I-HDI and the Poverty Rate, indicating that improvements in human development are key drivers in alleviating poverty. In contrast, Unemployment shows a significant positive association with the Poverty Rate, meaning that an increase in unemployment leads to a rise in poverty levels. However, Population Growth does not exhibit a significant effect on the Poverty Rate, suggesting that demographic changes alone are not adequate to explain fluctuations in poverty across the G20 countries. These results offer valuable insights for policymakers focused on enhancing human development and addressing unemployment to effectively combat poverty.

HOW DOES ISLAM SUPPORT THE GREEN ECONOMY? A STUDY ON TURATH PERSPECTIVE Mirzal, Husnul; Zaki, Irham; Zusak, M Bastomi Fahri
Journal of Islamic Monetary Economics and Finance Vol. 10 No. 4 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i4.1962

This study addresses how Islam supports a green economy using a thematic analysis of the turath. The results show that Islam strongly supports the implementation of the green economy. The green economy has been a part of Islamic teachings long before its conception in this modern era. In Islam, there are the four main goals of the green economy, namely creating an economy that is inclusive and fair, environmentally friendly, resources sustainable, and resources efficient. Islam can provide guidance and for solutions to all human problems, including those related to the economy and environment. As a policy recommendation, the Government and related parties can leverage on a religious approach to develop a green economy by for examples including Islamic values as well as involving Islamic institutions and Islamic figures in the National Green Economy Development Roadmap such that its goals can be better achieved.

Improving Productive Waqf in Baitul maal wa Tamwil Zusak, M Bastomi Fahri
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11216

Baitul maal wa tamwil (BMT) is Islamic microfinance institutions which utilizes waqf as a nazir. This research attempts to describe the model of improving waqf productive and baitul maal of BMT. So far, the implementation of the management concepts of baitul maal and baitut tamwil has not been balanced, BMT management is too focused on commercial financing of the function of baitut tamwil. This paper used qualitative approach, based on in-depth interview with experts of waqf and BMT practitioners and academicions. The results of the study show that good management in BMT is the existence of equality or balance between maal and tamwil. Human Resources baitul maal management needs to be strengthened in improvising productive waqf. The existence of a business plan that is made will create the direction and performance of the collection and utilization of waqf assets.

Pelatihan Pengelolaan Keuangan Keluarga bagi Anggota Kelompok Tani Nira Sari Murni Zusak, M Bastomi Fahri; Fuadi, Ariza; Kurnia, Akhmad Syakir; Firmansyah; Sugiyanto, FX
Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat Vol. 3 No. 3 (2025): Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat
Publisher : Yayasan Sagita Akademia Maju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61579/beujroh.v3i3.695

Farmer groups play a strategic role in maintaining food security and the sustainability of the rural economy. One such group is the Nira Sari Murni Farmer Group, where most of its members rely on farming and coconut sap production for their income. However, the main challenge they face is suboptimal family financial management, which can impact household economic stability. The lack of expense recording, budget planning, and understanding of emergency fund management are common problems. Through this training, farmer group members are equipped with basic knowledge and skills in practical and applicable family financial management. The training covers techniques for preparing a household budget, recording daily cash flow, managing debt, and planning for short- and medium-term needs. This activity is expected to improve financial literacy and the economic resilience of farming families.

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