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PERAN BAITUL MAAL SEBAGAI LEMBAGA KEUANGAN MIKRO SYARIAH DALAM MENDUKUNG KEBUTUHAN PEREKONOMIAN MASYARAKAT INDONESIA Efendi, Erizal Candra; Ahmad Wira
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 2 No. 1 (2025): MBisKu, January 2025
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v2i1.987

This study analyzes the role of Baitul Maal as a sharia microfinance institution in meeting the economic needs of the community, especially in providing access to financing in accordance with sharia principles. Using qualitative methods, this study found that Baitul Maal plays an important role in improving the economic and social welfare of the community. Baitul Maal not only provides financing solutions for micro, small and medium enterprises (MSMEs) that are not reached by conventional financial institutions, but also contributes to poverty alleviation and the achievement of sustainable development goals (SDGs). However, the study also identified several challenges in program management, such as limited resources and lack of synergy with other Islamic financial institutions. This research recommends strengthening strategic partnerships and innovations in financial products and services to increase the effectiveness of Baitul Maal's role in the future.

The Implementation of Smart Cities in Indonesia: A Literature Study on Technology Based Governance and Public Services Efendi, Erizal Candra; Yulia Ningsih
JIAN (Jurnal Ilmiah Administrasi Negara) Vol. 9 No. 1 (2025): February 2025
Publisher : Universitas Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56071/jian.v9i2.1202

The rapid development of Information and Communication Technology (ICT) has driven the implementation of Smart City initiatives in Indonesia as a solution to urban challenges such as congestion, pollution, inefficient governance, and inadequate public services. However, disparities in technological infrastructure and digital literacy remain significant obstacles to equitable Smart City development across regions. This study employs a qualitative research method with a literature review approach to analyze the implementation of Smart Cities in Indonesia. Data were collected from scientific journals, government reports, and case studies from both domestic and international Smart City initiatives. Thematic analysis was used to identify key patterns and trends in governance and technology-based public services. This research aims to explore the challenges, opportunities, and impacts of Smart City implementation in Indonesia, with a focus on governance efficiency and technology-driven public services. It also seeks to provide recommendations for optimizing Smart City strategies. The results indicate that major cities like Jakarta, Bandung, and Surabaya have successfully implemented Smart City frameworks, improving public service efficiency and government transparency. However, rural and small urban areas face challenges such as digital infrastructure gaps, low public engagement, and regulatory weaknesses in data protection and cybersecurity. Despite these challenges, the integration of Smart City technologies has the potential to enhance public participation, optimize resource management, and drive sustainable urban development. The study concludes that successful Smart City implementation in Indonesia requires (1) equitable access to digital infrastructure, (2) enhanced digital literacy programs, (3) strong data protection and cybersecurity regulations, and (4) effective collaboration between the government, private sector, and society. Addressing these aspects will enable Indonesia to develop Smart Cities that are inclusive, efficient, and sustainable for long-term urban transformation

The Influence of Audit Quality, Independent Board of Commissioners and Managerial Ownership on Profit Management (Case Study on Companies Included in LQ45 in the Indonesia Sharia Stock Index in 2019 -2023) Efendi, Erizal Candra; Meirison
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 13 No. 1 (2025): Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis - Juli 2025
Publisher : Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaemb.v13i1.8548

The primary goal of this research is to analyse the relationship between profit management and factors such managerial ownership, audit quality, and board of commissioners independence. Secondary sources are the backbone of this research. In particular, the LQ45 index members of the Indonesia sharia stock index for the years 2019"“2023, are the subject of this study. The data for this study came from a population of 180 individuals whose records were scanned by the company. A total of 95 participants participated in the survey, which used a purposive summarising technique. Using quantitative methodologies, this study tests theories about the impact of managerial ownership, audit quality, and an independent board of commissioners on profit management. The first estimate was supported by a sig value of 0.05 and a T value of 1.98638, indicating that the audit quality had a smaller impact on profit management than what was initially thought. As demonstrated by an A T value of -.1695 < 1.66515 and a sig value of 0.093 > 0.05, the independent board of commissioners did not significantly impact profit management. With a sig value of 0.118 > 0.05 and a T value of 1.1557 < 1.66515, partial managerial ownership does not significantly impact profit management. Both the individual and combined effects of audit quality, independent board of commissioners, and managerial ownership on profit management are statistically significant (F value of 3.140 < 2.70 and sig value of 0.029 < 0.05). There were additional variables that made up 93.6% of the total, even though audit quality, independent board of commissioners, and managerial ownership only made up 6.4%. According to the statistics given, profit management is significantly affected by audit quality, the independence of the board of commissioners, and managerial ownership.

Strategy to Optimize Sharia Financial Management as an Instrument to Improve the Performance of Halal MSMEs in West Sumatra Efendi, Erizal Candra; Mustika, Ruri
INCOME: Innovation of Economics and Management Vol. 5 No. 2 (2025): October
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i2.6295

This study examines the optimization of sharia financial management as a strategy to enhance the performance of halal small and medium enterprises in West Sumatra. The background of the research is the limited financial literacy, low utilization of formal sharia financing products, and lack of standardized financial reporting among halal SMEs, which hinder their growth and competitiveness. The study aims to analyze how financial literacy, financing utilization, and transparency in reporting contribute to improving operational efficiency and compliance with sharia principles. The research employs a qualitative descriptive approach, using data collected through interviews, observations, and documentation from halal SMEs in West Sumatra. The findings reveal that financial literacy serves as the foundation for effective management, enabling SME owners to understand and utilize sharia-compliant financing. The utilization of formal sharia financing is still low, and standardized reporting is maintained by only a small portion of SMEs, limiting both internal management and access to external funding. The study also finds that integrating literacy, financing access, and transparent reporting creates a synergistic effect that significantly enhances performance, operational efficiency, and stakeholder trust. The conclusions indicate that optimizing sharia financial management is essential for promoting sustainable growth, compliance with sharia principles, and long-term viability of halal SMEs in West Sumatra. This research provides practical implications for policymakers, financial institutions, and SME support agencies to design targeted interventions that improve literacy, facilitate financing access, and implement transparent reporting systems.

BIBLIOMETRIC ANALYSIS OF THE WORK FROM ANYWHERE TRANSFORMATION IN OPTIMIZING PUBLIC SERVICES IN THE DIGITAL ERA Efendi, Erizal Candra; Oktaviane, Diga Putri
Jurnal Administrasi Negara Vol 31 No 3 (2025): Jurnal Administrasi Negara
Publisher : Politeknik STIA LAN Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33509/jan.v31i3.3825

Digital transformation has driven significant changes in work systems, including the implementation of the Work From Anywhere (WFA) concept, which enables technology-based work flexibility. This work model is not only applied in the private sector but is also being adopted in public services to improve efficiency and accessibility. However, the implementation of WFA in the public sector faces challenges such as the digital infrastructure readiness, data security, and changes in work culture. This study aims to analyze the development of research related to Work From Anywhere (WFA) in optimizing public services in the digital era through a bibliometric approach. The method used is bibliometric analysis with a quantitative technique using data from academic databases such as Scopus and Web of Science. VOSviewer software is used to map research trends, collaboration between researchers, and identify research gaps in this topic. The results show that the publication trend on Work From Anywhere (WFA) in the public sector has increased significantly since 2020, in line with the COVID-19 pandemic that encouraged remote work policies. The analyzed studies reveal that the success of WFA implementation in the public sector is highly dependent on technological readiness, flexible policies, and results-based evaluation systems. In addition, the main challenges faced are the digital divide between regions and the need for stricter regulations related to cybersecurity. In conclusion, Work From Anywhere (WFA) has significant potential to improve the effectiveness of public services if supported by appropriate regulations, adequate technological infrastructure, and human resource readiness. Therefore, an adaptive policy strategy is needed to ensure this work system can be optimally implemented without compromising the quality of public services.

Community Economic Empowerment Through the Syirkah Principle: A Case Study of Farmers in Padang Pariaman Regency Efendi, Erizal Candra; Mustika, Ruri; Hadi, Wildan
Rangkiang: Journal of Islamic Economics and Business Vol. 3 No. 2 (2025): Islamic Economic
Publisher : Denisya Smart Consulting

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70072/rangkiang.v3i2.174

This study explores the application of the syirkah (partnership) principle as a model for community economic empowerment among farmers in Padang Pariaman Regency, West Sumatra. Rooted in Islamic economic ethics, syirkah emphasizes fairness, transparency, and shared risk between capital providers, farmers, and community leaders. Using a qualitative case study design, data were collected through in-depth interviews, focus group discussions, and participatory observations involving farmer groups, Islamic cooperatives (Baitul Maal wat Tamwil), and local religious figures. The findings reveal that syirkah enhances access to productive capital, increases agricultural yields by 25–30%, and improves household income stability while strengthening social cohesion and mutual trust among participants. The partnership structure fosters ukhuwah iqtishadiyah (economic brotherhood) and fulfills the objectives of maqasid al-shariah by integrating economic welfare with moral responsibility. However, sustainability challenges remain, particularly in financial management skills, market access, and generational continuity. Strengthening institutional literacy, digital integration, and youth participation are therefore crucial for scaling up syirkah-based empowerment. Overall, the study concludes that syirkah serves not only as an Islamic financial instrument but also as a transformative framework that bridges spirituality, cooperation, and sustainable rural development.

Integrasi Prinsip Circular Economy dalam Kebijakan Publik untuk Mewujudkan Tata Kelola Lingkungan Berkelanjutan di Kota Padang Efendi, Erizal Candra; Oktaviane, Diga Putri
Jurnal Paradigma Vol 14, No 2 (2025): JURNAL PARADIGMA
Publisher : Magister Administrasi Publik FISIP Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jp.v14i2.19856

Permasalahan utama yang dihadapi Kota Padang dalam pengelolaan lingkungan adalah meningkatnya tekanan terhadap sumber daya alam akibat urbanisasi dan pola konsumsi linear. Penelitian ini bertujuan untuk menganalisis integrasi prinsip circular economy dalam kebijakan publik lingkungan sebagai upaya mewujudkan tata kelola yang berkelanjutan. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan pengumpulan data melalui wawancara mendalam, observasi partisipatif, dan analisis dokumen perencanaan daerah. Hasil penelitian menunjukkan bahwa prinsip circular economy telah mulai diadopsi dalam kebijakan Kota Padang, khususnya pada pengelolaan sampah berbasis 3R dan program bank sampah. Namun, penerapannya masih terbatas, belum merata di seluruh sektor, dan menghadapi hambatan seperti rendahnya kapasitas sumber daya manusia, regulasi yang belum adaptif, serta kurangnya kesadaran masyarakat. Implementasi teknologi dan inovasi sosial terbukti mendukung efektivitas kebijakan, meskipun masih terkendala keterbatasan anggaran. Kesimpulan dari penelitian ini menunjukkan bahwa Kota Padang telah menunjukkan arah positif menuju ekonomi sirkular, namun memerlukan penguatan kebijakan, kolaborasi lintas sektor, dan pemberdayaan masyarakat untuk menciptakan tata kelola lingkungan yang sistemik dan berkelanjutan.

OPTIMIZING HALAL MSME FINANCING THROUGH ARTIFICIAL INTELLIGENCE-BASED SHARIA FINTECH TO INCREASE ECONOMIC INDEPENDENCE Efendi, Erizal Candra; Juniyanti Hsb, Hafni
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 3 No. 1 (2026): MBisKu, January 2026
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v3i1.1318

This study aims to explore the optimization of halal MSME financing through Sharia-based fintech utilizing Artificial Intelligence (AI) to enhance economic independence. The research employs a qualitative library research method, analyzing literature from academic journals, government reports, and fintech publications related to Sharia-compliant financial technologies. The results indicate that Sharia fintech provides inclusive, ethical, and flexible financing for halal MSMEs through profit-sharing contracts like mudharabah and musyarakah. The integration of AI enhances operational efficiency, risk assessment, and compliance with Sharia principles. Challenges include regulatory gaps, low digital literacy among MSMEs, and ethical concerns regarding AI algorithms. Strategies such as regulatory adaptation, education programs, ethical governance frameworks, and multi-sector collaboration are essential to maximize the benefits of Sharia fintech for MSMEs, strengthening the halal economy and promoting sustainable economic independence.

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