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Integration of Musharakah Financing in The Development of MSMES in Developing Countries: Sharia and Sustainable Finance Perspectives Ela, Nur; Rohmat Hidayat, Agus; Dwi Putri Pramesti, Ginna Novarianti
Winter Journal: IMWI Student Research Journal Vol. 6 No. 1 (2025): Winter Journal: IMWI Student Research Journal
Publisher : Institut Manajemen Wiyata Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/wt.v6i1.70

Abstract

MSMEs (Micro, Small, and Medium Enterprises) play an essential role in the economies of developing countries. However, they often face difficulties in accessing financing that aligns with sustainable finance and Sharia principles. Musharakah financing, based on the principle of profit sharing, is an alternative that can support the development of MSMEs, particularly in developing countries that prioritize the Sharia economy. This research aims to analyze the integration of musharakah financing in the development of MSMEs in developing countries, as well as evaluate the benefits and challenges related to the application of sharia principles and sustainable finance in this context. This research employs a qualitative approach, utilizing case studies in several developing countries, including Indonesia and Malaysia. Data were collected through interviews with MSME actors, Islamic financial institutions, and relevant government agencies. The analysis was carried out by comparing musharakah financing practices in the MSME sector and their impact on business sustainability. The results of the research indicate that musharakah financing can enhance MSMEs' access to capital in a more equitable and sustainable manner. However, the main challenges include a lack of understanding of Sharia concepts and regulatory barriers that hinder optimal development. Musharakah financing has demonstrated the potential to stimulate local and global economic growth when supported by the right policies.
Financial Performance Analysis: Manufacturing Companies In Indonesia Before And Post The 2008 Global Economic Crisis Rohmat Hidayat, Agus; Alifah, Nur; Oga Laksana, Medika
Journal of Comprehensive Science Vol. 1 No. 5 (2022): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v1i5.158

Abstract

This study aims to analyze the financial performance of Indonesian manufacturing companies before and after the global economic crisis in 2008. In this study, financial performance is measured by Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM). By comparing the average ROA, ROE, and NPM before and after the crisis, the results of the descriptive analysis were tested. It can be seen that ROA, ROE and NPM after the crisis were higher than before the crisis. As a result, post-crisis financial performance has improved compared to before the crisis. Based on the descriptive analysis, it is known that the financial performance of manufacturing companies after the crisis is better than before the crisis. Based on the t test, the results of ROA, ROE and NPM tests were obtained as follows. First, Post-crisis ROA is higher than before the 2008 global economic crisis, and the increase is said to be large. Second, post-crisis return on equity appears to be higher than before the global economic crisis, but this is not statistically significant. Third, post-crisis NPM also appears to be larger than before the crisis, but not statistically significant. The results of the t test show that financial performance as measured by ROA has improved after the crisis compared to before the crisis.
The Role Of Digital Marketing For Micro, Small And Medium Enterprises In The Era Of The Asean Economic Community Alifah, Nur; Rohmat Hidayat, Agus; Elan Maulani, Isma
Journal of Comprehensive Science Vol. 2 No. 1 (2023): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v2i1.177

Abstract

Today's technology continues to grow and users begin to feel the benefits of using the internet. Some feel dependence on the presence of the Internet, including the activities of Micro, Small and Medium Enterprises (MSMEs) using information technology in their business, especially in the era of the ASEAN Economic Community (AEC). The purpose of this study is to describe in general the impact of digital marketing on SME sales in Batam City. This research is qualitative in nature and uses a triangular model that combines structured interview methods, in-depth interviews and observations of MSMEs participants who actively participate in Market Community Improvement Services – Cooperatives and SMEs in the City. From the results of the study it can be seen that digital marketing facilitates communication and direct interaction between MSME players and consumers, increasing market share, increasing the visibility of MSME players and increasing sales.
A Multimodal Discourse Analysis of Wardah Cosmetics Advertisement Alifah, Nur; Rohmat Hidayat, Agus
Jurnal Impresi Indonesia Vol. 3 No. 3 (2024)
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jii.v3i3.4734

Abstract

This research paper presents a comprehensive multimodal discourse communication (MDC) of a selected advertisement from Wardah Cosmetics. This research explores the analysis of multiple modes of advertising for Wardah Islamic beauty products. The research employed a descriptive qualitative approach to examine visual elements present in Wardah beauty advertisements. It incorporated the Bahasa Halliday Metafunction component and the multimodal discourse analysis framework Kress and Van Leeuwen developed. Through this analysis, the research aims to provide valuable insights into the discursive strategies employed by the brand and shed light on how the advertisement constructs and shapes cultural meanings, identities, and beauty ideals. The findings of this research contribute to the field of multimodal discourse analysis and offer practical implications for advertisers, marketers, and scholars interested in understanding the complex dynamics of persuasive communication in the context of cosmetics advertising.
Analisis Program dan Pendayagunaan Zakat, Infaq, dan Shadaqah (ZIS) pada Lembaga Amil Zakat Muhammadiyah (Lazismu) Kabupaten Cirebon Wibawanthi, Annisa; Rohmat Hidayat, Agus; Hardiyanto , Feri; Ridwan, Mohammad
Jurnal Indonesia Sosial Sains Vol. 1 No. 01 (2020): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v1i01.5

Abstract

Tujuan dari penelitian ini yaitu untuk mengidentifikasi dan menganalisis program dan pendayagunaan Zakat, Infaq dan Shadaqah (ZIS) yang dijalankan oleh Lembaga Amil Zakat Muhammadiyah (LAZISMU) Kabupaten Cirebon. Metode penelitian dalam penyusunan jurnal ini adalah metode kualitatif dengan pengumpulan data sekunder yang didapatkan dari Lembaga Amil Zakat Muhammadiyah (LAZISMU) Kabupaten Cirebon. Berdasarkan hasil analisis yang telah dilakukan, dapat disimpulkan bahwa program-program yang telah dijalankan oleh Lembaga Amil Zakat Muhammadiyah (LAZISMU) Kabupaten Cirebon adalah sebagai berikut : 1. Pilar Pendidikan 2. Pilar Ekonomi 3. Pilar Sosial dan Kemanusiaan 4. Pilar Dakwah 5. Pilar Kesehatan 6. Pilar Tahunan.
Analisis Peranan Pengelolaan Dana Ziswaf Dalam Pemberdayaan Ekonomi Umat Pada Lazisnu Kabupaten Cirebon Sugita, Ades; Rohmat Hidayat, Agus; Hardiyanto , Feri; Wulandari, Sri Intan
Jurnal Indonesia Sosial Sains Vol. 1 No. 01 (2020): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v1i01.6

Abstract

Ziswaf (Zakat, Infaq, Shodaqah dan Wakaf) merupakan sebuah instrument distribusi kekayaan dalam sistem ekonomi Islam. Keempat instrument tersebut hanya zakat yang hukumnya diwajibkan bagi setiap muslim, namun ketiga lainnya menjadi sarana berderma terhadap sesame muslim. ZISWAF memiliki dua makna: Usaha menjalankan perintah Tuhan Yang Maha Esa (kesalehan ritual), dan usaha menunaikan tanggungjawab sosial (kesaleha sosial). Demografi Indonesia dengan jumlah penduduk mayoritas Muslim da aturan sistem pengelolaan harta yag terpisah (desentralisasi) sehingga menjadikan LAZ ( Lembaga Amil Zakat) menjamur di setiap Daerah. NU CARE LAZISNU Kab. Cirebon (Lembaga Amil Zakat Infaq Shodaqah Nahdlatul Ulama) merupakan rebanding dari Lembaga Amil Zakat Infaq dan Shadaqah Nahdlatul Ulama (LAZISNU). Sebagaimaa cita-cita awal berdirinya NU CARE LAZISNU untuk membantu umat, maka NU CARE LAZISNU sebagai lembaga nirlaba milik perkumpulan Nahdlatul Ulama (NU) senantiasa berkhidmat untuk membantu kesejahteraan umat serta mengangkat harkat sosial melalui pendayagunaan dana Zakat, Infaq, Shadaqoh (ZIS) dan dana-dana Corporate Sosial Responsibility (CSR).
Pemberdayaan Pengelolaan Zis Dalam Upaya Meningkatkan Kesejahteraan Ekonomi Masyarakat Di Laziswa Masjid At Taqwa Kota Cirebon Rani, Vita; Nurmala Sari, Ajeng; Suwi, Suwi; Ibnu Ubaidillah, Suwi; Rohmat Hidayat, Agus
Jurnal Indonesia Sosial Sains Vol. 1 No. 01 (2020): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v1i01.7

Abstract

Zakat beserta infaq dan shadaqah merupakan tanda terang dari Allah SWT untuk menjamin seorang tidak menderita karena kekurangan sarana-sarana untuk memenuhi kebutuhan pokok, sehingga dapat mensucikannya dari penyakit kemiskinan. Oleh karena itu Badan Amil Zakat masjid At Taqwa Cirebon terus memberikan perlindungan, pembinaan serta pelayanan pada pemberi, penerima dan pengelola zakat untuk meningkatkan kesadaran membayar zakat, meningkatkan kesejahteraan umat serta meningkatkan daya guna dan hasil guna zakat berserta infaq dan shadaqah. Tujuan penelitian ini dilakukan untu Menganalisis dan meninjau pengelolaan pemberdayaan zis pada LAZISWA di kota Cirebon. Menganalisis dan mengetahui program pemberdayaan masyarakat melalui ziz pada LAZISWA di kota Cirebon. Sedangkan metode penelitian dalam penyusunan tesis ini adalah metode kualitatif dengan pengumpulan data berupa survey, observasi, wawancara, dan dokumentasi.
Analisis Nilai-Nilai Syariah Pada Kinerja Karyawan Pt. Bukit Inti Makmur Abadi Cirebon Fajar Siddiq, Muhammad; Rohmat Hidayat, Agus
Jurnal Indonesia Sosial Sains Vol. 1 No. 01 (2020): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v1i01.8

Abstract

Tujuan dari penulisan jurnal ini yaitu untuk mengidentifikasi sejauh mana antusiasme mahasiswa dalam melaksanakan program kampus yaitu kegiatan magang di perusahaan. Jenis metode yang digunakan adalah metode kualitatif sehingga diperoleh hasil berupa manfaat dan penerapan ilmu yang didapat pada saat duduk di bangku perkuiahan.
Strategi Pengembangan Usaha Berbasis Komunitas (Studi Kasus Konveksi Jack Tailor Di Desa Ciperna) Mutakin, Imam; Ridwan, Taufik; Rohmat Hidayat, Agus
Jurnal Indonesia Sosial Sains Vol. 1 No. 01 (2020): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v1i01.10

Abstract

Pemberlakuan otonomi daerah yang bersamaan dengan terjadinya krisis ekonomi nasional dan global telah menambah kompleksitas permasalahan yang dihadapi oleh pemerintah pusat maupun pemerintah daerah. Dengan program otonomi daerah, pendekatan pembangunan ekonomi lokal (local economic development) selayaknya diarahkan pada peningkatan dan pemanfaatan unsur- unsur lokal (indigenous) yang mencakup sumberdaya alam, sumberdaya manusia, sosio kultural, dan lokasi strategis pembangunan daerah. Dengan pendekatan ini diharapkan daerah mampu meningkatkan kesejahteraan masyarakatnya secara mandiri didasarkan pada keuntungan kompetitif dan keuntungan komparatif. Dalam pelaksanaannya kegiatan usaha konveksi terebut berupa pembuatan tas, kaos, jaket, topi seragam dan masih banyak lainnya. Di samping itu juga, kegiatan ini mendapat respon yang sangat positif dari masyarakat sekitar. Kemudian lama-kelamaan masyarakat sekitar juga banyak yang tertarik untuk ikut andil dalam usaha konveksi tersebut. Dengan tujuan untuk meningkatkan pendapatan ekonomi keluarga masyarakat yang ada di desa Ciperna secara utuh dan menyeluruh yang bertumpu pada sumber daya manusia dan sumber daya alam. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian kualitatif dengan pengumpulan datanya menggunakan observasi, wawancara, studi kepustakaan dan triangulasi data.