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Infaq Utilization Strategy in the MSME Empowerment Program at LAZISMU Ponorogo Muhamad Rizal; Ahmad Agus Hidayat; Wildan Ainun Mardianto; Arif Zulfahmi Yusuf
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 12 No. 1 (2024): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/2a0ddh17

Post-Covid-19 pandemic, SME actors have started to recover from their setbacks and strive to regain their position as a leading sector in advancing the economy. In this research, the Muhammadiyah Zakat, Infaq, and Sedekah Charity Institution (LAZISMU) in Ponorogo was chosen as the research site due to its empowerment activities for SMEs through its Empowerment of SMEs program using infak funds. This study aims to determine the strategies employed by LAZISMU Ponorogo in utilizing infak funds for the Empowerment of SMEs program, as well as to identify obstacles and propose solutions to address these issues. Using a qualitative descriptive approach, data was collected through observation, interviews, and documentation, analyzed using the SWOT analysis method. Ultimately, the researcher found that LAZISMU Ponorogo employs the following strategies to empower SMEs: 1) identifying SME potentials, 2) planning program creation, 3) program implementation, and 4) program supervision. Some challenges encountered in the implementation of the SME Empowerment program include: 1) the absence of standardized Operating Procedures (SOP) guidelines, 2) the lack of a specific program division, 3) fundraising that has not reached the target, and 4) the selection stage of prospective recipients. Solutions proposed are: 1) establishing standardized guidelines or Standard Operating Procedures (SOP), 2) creating a specific division for the SME Empowerment program, 3) conducting public awareness campaigns and collaborating with a wider audience, and 4) being selective in choosing prospective recipients.

Comparative Analysis of The Influence of Sharia and Conventional Monetary Instruments on The Real Sector: An Empirical Study of Indonesia's IPI Ahmad Suminto; Ahmad Agus Hidayat; Risma Nada Azkiya; Rumasukun, Muhammad Alfan; Purnama, Rizki Ari
MUSLIM HERITAGE Vol 9 No 2 (2024): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v9i2.8892

Abstract Indonesia implements a dual monetary policy system, namely conventional and sharia systems that run side by side. The conventional system is a system of interest, while the Sharia system is a system of profit-sharing. The role of the monetary sector in Indonesia's economic growth is very important by minimizing transaction costs or information in financial markets. To ensure the smooth flow of economic activities and enhance the productivity of individuals in the production of goods and services in the real sector. The purpose of this study is to determine the influence of Islamic and conventional monetary instruments on the real sector. This study uses quantitative methods with an Autoregressive Distributed Lag (ARDL) estimation model with the Industrial Production Index (IPI) as the dependent variable. Bank Indonesia Sharia Certificates (SBIS), Sharia Interbank Money Market (PUAS) and financing as independent variables of Islamic monetary instruments, while Bank Indonesia Certificates (SBI), Interbank Money Market (PUAB) and credit as independent variables of conventional monetary instruments. The results of this study show that Islamic and conventional monetary instruments as a whole affect the Industrial Production Index (IPI) as a real sector with an influence of 77% on Islamic monetary instruments and 45% on conventional monetary instruments. In this study, the variables that affect IPI are SBIS, PUAS, financing and interbank while SBI and credit variables do not affect IPI. Abstrak Indonesia menerapkan sistem kebijakan moneter ganda yaitu sistem konvensional dan syariah yang berjalan berdampingan. Penerapan pada sistem konvensional dengan sistem bunga sedangkan pada sistem syariah menganut sistem bagi hasil. Peran sektor moneter pada pertumbuhan ekonomi Indonesia sangatlah penting dengan meminimalisir biaya transaksi ataupun informasi di pasar keuangan. Sehingga kegiatan ekonomi berjalan lancar dan dapat meningkatkan produktifitas masyarakat dalam menghasilkan barang dan jasa di sektor riil. Tujuan penelitian ini untuk mengetahui pengaruh dari instrumen moneter syariah dan konvensional terhadap sektor riil. Penelitian ini menggunakan metode kuantitatif dengan model estimasi Autoregressive Distributed Lag (ARDL) dengan Indeks Produksi Industri (IPI) sebagai variabel dependen. Sertifikat Bank Indonesia Syariah (SBIS), Pasar Uang Antar Bank Syariah (PUAS) dan pembiayaan sebagai variabel independen dari instrumen moneter syariah, sedangkan Sertifikat Bank Indonesia (SBI), Pasar Uang Antar Bank (PUAB) dan kredit sebagai variabel independen dari instrumen moneter konvensional. Hasil dari penelitian ini menunjukkan bahwa instrumen moneter syariah dan konvensional secara keseluruhan berpengaruh terhadap Indeks Produksi Industri (IPI) sebagai sektor riil dengan pengaruh sebesar 77% pada instrumen moneter syariah dan 45% pada instrumen moneter konvensional. Dalam penelitian ini, variabel yang berpengaruh terhadap IPI adalah SBIS, PUAS, pembiayaan dan PUAB sedangkan variabel SBI dan kredit tidak berpengaruh terhadap IPI. Keywords: Sharia Monetary; Conventional Monetary; Real Sector and Industrial Production Inde

Comparative Analysis of The Influence of Sharia and Conventional Monetary Instruments on The Real Sector: An Empirical Study of Indonesia's IPI Ahmad Suminto; Ahmad Agus Hidayat; Risma Nada Azkiya; Rumasukun, Muhammad Alfan; Purnama, Rizki Ari
MUSLIM HERITAGE Vol 9 No 2 (2024): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v9i2.8892

Abstract Indonesia implements a dual monetary policy system, namely conventional and sharia systems that run side by side. The conventional system is a system of interest, while the Sharia system is a system of profit-sharing. The role of the monetary sector in Indonesia's economic growth is very important by minimizing transaction costs or information in financial markets. To ensure the smooth flow of economic activities and enhance the productivity of individuals in the production of goods and services in the real sector. The purpose of this study is to determine the influence of Islamic and conventional monetary instruments on the real sector. This study uses quantitative methods with an Autoregressive Distributed Lag (ARDL) estimation model with the Industrial Production Index (IPI) as the dependent variable. Bank Indonesia Sharia Certificates (SBIS), Sharia Interbank Money Market (PUAS) and financing as independent variables of Islamic monetary instruments, while Bank Indonesia Certificates (SBI), Interbank Money Market (PUAB) and credit as independent variables of conventional monetary instruments. The results of this study show that Islamic and conventional monetary instruments as a whole affect the Industrial Production Index (IPI) as a real sector with an influence of 77% on Islamic monetary instruments and 45% on conventional monetary instruments. In this study, the variables that affect IPI are SBIS, PUAS, financing and interbank while SBI and credit variables do not affect IPI. Abstrak Indonesia menerapkan sistem kebijakan moneter ganda yaitu sistem konvensional dan syariah yang berjalan berdampingan. Penerapan pada sistem konvensional dengan sistem bunga sedangkan pada sistem syariah menganut sistem bagi hasil. Peran sektor moneter pada pertumbuhan ekonomi Indonesia sangatlah penting dengan meminimalisir biaya transaksi ataupun informasi di pasar keuangan. Sehingga kegiatan ekonomi berjalan lancar dan dapat meningkatkan produktifitas masyarakat dalam menghasilkan barang dan jasa di sektor riil. Tujuan penelitian ini untuk mengetahui pengaruh dari instrumen moneter syariah dan konvensional terhadap sektor riil. Penelitian ini menggunakan metode kuantitatif dengan model estimasi Autoregressive Distributed Lag (ARDL) dengan Indeks Produksi Industri (IPI) sebagai variabel dependen. Sertifikat Bank Indonesia Syariah (SBIS), Pasar Uang Antar Bank Syariah (PUAS) dan pembiayaan sebagai variabel independen dari instrumen moneter syariah, sedangkan Sertifikat Bank Indonesia (SBI), Pasar Uang Antar Bank (PUAB) dan kredit sebagai variabel independen dari instrumen moneter konvensional. Hasil dari penelitian ini menunjukkan bahwa instrumen moneter syariah dan konvensional secara keseluruhan berpengaruh terhadap Indeks Produksi Industri (IPI) sebagai sektor riil dengan pengaruh sebesar 77% pada instrumen moneter syariah dan 45% pada instrumen moneter konvensional. Dalam penelitian ini, variabel yang berpengaruh terhadap IPI adalah SBIS, PUAS, pembiayaan dan PUAB sedangkan variabel SBI dan kredit tidak berpengaruh terhadap IPI. Keywords: Sharia Monetary; Conventional Monetary; Real Sector and Industrial Production Inde

Peranan Peer to Peer Lending Syariah terhadap UMKM untuk Pemulihan Ekonomi Pasca Pandemi Covid-19 Ahmad Agus Hidayat; Mugiyati; Siska Arie Novita; Jaudat Iqbal Harris
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 10 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v10i2.8806

ANALYSIS OF THE DSN MUI FATWA ON SHARIA ELECTRONIC MONEY FROM THE PERSPECTIVE OF QIYAS (A STUDY ON LINKAJA SYARIAH APPLICATION) Hardiyanti, Istiqom Shinta; Ahmad Agus Hidayat; Novita, Siska Arie; Sajiyo, Sajiyo
istinbath Vol. 23 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i1.644

This study aims to analyze the content of DSN MUI Fatwa No. 116/DSN-MUI/IX/2017 on Sharia electronic money from the perspective of qiyas, focusing on the case of the LinkAja Syariah application. The research method used in this study is descriptive qualitative, and the approach employed is library research. The findings of this study indicate that the LinkAja Syariah application is a development model of the LinkAja application designed to facilitate transactions while adhering to Sharia principles in its operational system. Similarly, the transactions follow the principles of cash payments and interbank transfers in Sharia banking, implementing Sharia financial principles. Thus, using the digital wallet application through LinkAja Syariah is legally permissible (mubah) as it fulfils the requirements and conditions of qiyas.

Optimizing the Role of Kiai in Preparing Competitive Santripreneurs Ahmad Agus Hidayat; Imam Buchori; Agustin Mila Arlina; Mohammad Dliyaul Muflihin; Muhammad Rizki Ashari
Islamic Economics Journal Vol. 10 No. 02 (2024): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i02.33

Pesantren economics has increasingly gained attention from various circles, moving away from the traditional stigma of being solely traditional educational institutions. This article explores the role of the Kiai of Darul Pesantren, Menganti, in developing and preparing santripreneurs. This article employs qualitative research with a case study approach. Use the triangulation method. Data analysis was conducted through data reduction, data presentation, and verification. The validity of the findings was ensured through extended observation and methodological triangulation. The study’s findings reveal that the role of the Kiai in preparing santripreneurs is carried out through several methods: a) Doctrination of students through the learning process, b) Aligning students areas of expertise with their interests and talents, c) Establishing partnerships and collaborations with third parties, d) Incorporating santripreneur education into extracurricular activities at the pesantren, e) Providing educational scholarships for students, f) Requiring all students to have savings in the pesantren through BMT (Baitul Maal wa Tamwil). On the other hand, the challenges faced include: a) A lack of motivation among students to learn entrepreneurship, b) Time constraints for both students and instructors, c) Limited entrepreneurial capital, d) A shortage of human resources within the pesantren.

The Phenomenon of Market Distortion Practices in E-Commerce (Bai' Najasy) Agustin Mila Arlina; Lilik Rahmawati; Ahmad Agus Hidayat
Islamic Economics Journal Vol. 9 No. 01 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i01.52

E-commerce is one of the marketing technologies used as a platform for online buying and selling in the present time. However, in its mechanism, there are similarities with the practice of Market Distortion (bai' najasy) in e-commerce, which is prohibited in Islam. This research aims to understand the practice of Market Distortion (bai' najasy) in e-commerce from the perspective of Islamic economics. This study uses a qualitative descriptive method by conducting direct research on the target audience. It is known that the phenomenon of market distortion (Ba'i Najasy) among e-commerce users in the Tanjung Village, Kedamean Subdistrict, Gresik Regency, still frequently occurs due to consumers being less selective and hasty in choosing a seller for a product. Based on interviews conducted by the researcher with 100 respondents representing the target audience, it was found that 67 of them expressed dissatisfaction with products purchased through e-commerce applications, while 17 others stated that they had been satisfied with their initial purchase but were less satisfied with their second purchase, and 16 others had not experienced what the other respondents had. This indicates the need for education among the public to selectively choose sellers on e-commerce applications.

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