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Peran Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Dalam Mengatasi Kemiskinan Hasan Jan, Radlyah; Hasan, Faradila; Janis, Budi
ARBITRASE: Journal of Economics and Accounting Vol. 3 No. 3 (2023): March 2023
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v3i3.703

Abstract

The problem of poverty is an issue that has existed for a long time and it can almost be said that it will remain an "eternal fact" in life. The definition of poverty itself as a scientific concept was born as a side effect of the term development. Hence, in every discussion about development, the discussion about development, especially the discussion of poverty, gets an important place. Poverty is seen as part of the problem in development, whose existence is marked by unemployment, underdevelopment which then increases into inequality. In this case, this study aims to look for the role of PNPM Mandiri in overcoming community poverty in Islamic urban villages. In addition, this study also examines the impact of PNPM Mandiri on the community in overcoming poverty. Methodologically, this study employed a qualitative method using an analytical descriptive approach. In the meantime, data collection was carried out using three methods, namely in-depth interviews, observations of the processes or results of PNPM Mandiri activities, as well as the collection of relevant documents. In general, this study found that the PNPM Mandiri program in Islamic Kelurahan had been implemented properly. The program implemented included the distribution of revolving funds. Only a portion of the fund disbursement program was actually utilized by the poor. Regarding PNPM Mandiri for overcoming poverty, PNPM Mandiri activities in the form of channeling revolving funds were still not helping the community's economy, because the funds disbursed were small in number while the community's need for business capital was large. For this reason, it had not been able to provide fundamental changes in society.
The Role of Sharia-Compliant KUR Super Micro Financing in Enhancing MSME Income and Business Development: A Case Study from Bank Syariah Indonesia Hasan Jan, Radlyah; Usman, Miranda Suhardi; Niu, Fitria Ayu Lestari; Karundeng, Frandy Efraim Fritz
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 1 (2025): Volume 9 Nomor 1 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i1.12204

Abstract

This study aims to evaluate the impact of the KUR Super Micro program on the income of MSEMs financed by Bank Syariah Indonesia Mantos Branch, with a focus on financial inclusion through Sharia-compliant models. It employs a qualitative case study approach, involving detailed interviews with five MSME entrepreneurs and BSI financing officers, direct observations, and document reviews. The findings reveal that before financing, most MSMEs earn IDR 2-3 million monthly; the income increases to IDR 3-6 million after receiving KUR Super Micro Funding. This rise is linked to better inventory management, upgraded equipment, and operational efficiency. All informants repay financing comfortably, with business growth leading to job creation and improved customer satisfaction. The results highlight the KUR Super Micro as a vital tool for empowering MSMEs economically and socially while endorsing Sharia-compliant financial inclusion, suggesting policymakers should continue and expand such financing programs to stimulate entrepreneurship and economic development.
Human Resource Management in Improving Employees’ Sharia Financial Literacy of Bank Syariah Indonesia Manado Mantos Branch Hasan Jan, Radlyah; Makapuas, Jumriati; Ayu Lestari Niu, Fitria
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 8 No. 1 (2025): January
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v8i1.2011

Abstract

Objective - This study aims to describe the implementation of Human Resource Management it improving the employees’ sharia financial literacy of Bank Syariah Indonesia Manado Mantos Branch. Design/methodology/approach – Using qualitative methods with data collection through observation, interviews with 4 informants, and documentation. The data analysis includes three stages: data reduction, data presentation, and conclusion. Findings - Employee recruitment planning has not been carried out optimally, the analysis of human resource needs, choice and appointment, and placement of human resources has been carried out well. However, the employees are in the aspect of Well Literate through limited training, regular socialization and sharing sessions such as during briefings, and regular performance assessments and evaluations by leaders. Research limitations/implications – This research was only conducted in one of the branches of Bank Syariah Indonesia in Manado City, Indonesia. Further research can use   methods to prove and explain each variable of this study’s findings on the same research object or even a broader one. Practical implications - Improvements and strengthening are needed in recruitment planning, more effective training and socialization, and performance assessments based on sharia competencies. There needs to be a collaboration between internal and external parties of Bank Syariah Indonesia Manado Mantos Branch. Originality/value – This study contributes to examining the intersection of human resource management in Islamic financial institutions. These findings offer valuable insights to improve HRM practices to foster more competent employees in Sharia finance principles, potentially becoming a model for similar institutions.
Economic Resilience Model of the Darul Istiqomah Islamic Boarding School in Manado in a Minority Community Through the Management of Productive Waqf Hasan Jan, Radlyah; Nugraha, Amalia Kurnia; Anggrayni, Lilly; Hasan, Jamaludin
Management of Zakat and Waqf Journal (MAZAWA) Vol. 8 No. 1 (2026): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2026.8.1.24-49

Abstract

Islamic boarding schools frequently encounter financial vulnerabilities due to their reliance on sporadic donations, a condition often exacerbated by market limitations within Muslim-minority demographics. Although optimizing productive waqf assets offers a potential solution for institutional self-sufficiency, in reality, many governance practices remain consumptive and lack standardization. Addressing this issue, this study aims to analyze the strategies for empowering waqf land and their impact on economic independence at Pondok Pesantren Darul Istiqomah Manado. This research employs a descriptive qualitative method with a case study approach, operationalized through an in-depth investigation of a single managerial cycle at the research site using the POAC (Planning, Organizing, Actuating, and Controlling) framework. To ensure data validity and richness, informants were selected through purposive sampling based on their strategic authority and direct operational involvement, including the school leadership, the secretary, student representatives, and representatives from the Indonesian Waqf Board (BWI) of North Sulawesi. The results indicate that empowerment is implemented through asset diversification across three clusters: the boarding school complex for education and creative industries (bakery, laundry, and drinking water), the Loreng area for agriculture (corn and vegetables), and the Solog area as a Tahfiz center. This adaptive management significantly reduces monthly dormitory consumption costs by 20-25% and contributes 15-20% to the institution's annual budget. Despite successfully achieving initial financial independence as a survival strategy, the school's governance remains traditional (trust-based) and is not yet supported by written Standard Operating Procedures (SOPs). This study concludes that integrated waqf management is a strategic solution for the independence of educational institutions in minority areas, the implementation of which imperatively requires administrative system modernization to ensure long-term sustainability.