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Strategi Pemberdayaan Ekonomi Desa Melalui Zakatnomics Kikin Mutakin
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 3 No 1 (2023): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

This Community Service (PkM) aims to provide education and guidance to the community about the urgency and strategy of economic empowerment in rural areas through the concept of zakatnomics. Village economic empowerment is needed in realizing the independence of rural communities through the concept of zakatnomics. Education and coaching in this PkM activity was carried out on August 13, 2022 in the Nasol Village Hall, Cikoneng District, Ciamis Regency. The implementation prioritizes collaboration with the Nasol Village Government which consists of the Village Consultative Body (BPD), the Village Zakat Collecting Unit (UPZ), the Village Indonesian Ulema Council (MUI) and cadres of Family Welfare Empowerment (PKK). The participants of this activity are representatives of small business actors in the Nasol Village area as many as 30 (thirty) people. The topic used as material in this activity is a discussion of how the rural economy can be empowered through the zakatnomics strategy. The potential for economic empowerment in Nasol Village needs encouragement both in terms of capital resources and human resources. One elaboration of the encouragement of capital resources can be applied through optimizing the role of the UPZ institution as an organization formed by the Regency National Amil Zakat Agency (BAZNAS) which is authorized to collect Zakat, Infaq and Alms (ZIS) funds and can be authorized in terms of assistance in the distribution of funds. The purpose of this PkM is to provide motivational stimulants and insight to the people of Nasol Village about economic empowerment strategies through integrated programs between Islamic financial practices, namely those sourced from ZIS funds and enthusiasm for economic activities. Keywords: Economic Empowerment, Zakatnomics, Islamic Finance, Village Independence.

PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENGGUNAKAN PRODUK LEMBAGA KEUANGAN SYARIAH Jaelani, Ihrom; Mutaqin, Kikin
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol 3, No 1 (2023): Januari (El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/eeki.v3i1.3099

ABSTRAKPenelitian ini bertujuan untuk mengetahui tingkat literasi keuangan syariah mahasiswa STAI Putra Galuh Ciamis dan pengaruh literasi keuangan syariah terhadap keputusan menggunakan produk lembaga keuangan syariah. Metode yang digunakan dalam penelitian ini adalah metode survey eksplanatory dengan teknik pengumpulan data menggunakan kuesioner. Populasi dalam penelitian ini yaitu seluruh mahasiswa STAI Putra Galuh Ciamis yang berjumlah 266 mahasiswa dan pengambilan sampel melalui probabilitas sampling. Adapun jumlah sampel dalam penelitian ini adalah 158 Mahasiswa. Analisis data yang digunakan adalah analisis deskriptif untuk mengetahui tingkat literasi keuangan syariah dan analisis regresi linier sederhana untuk mengetahui pengaruh literasi keuangan syariah terhadap keputusan menggunakan produk lembaga keuangan syariah. Hasil penelitian ini menunjukkan bahwa tingkat literasi keuangan syariah Mahasiswa STAI Putra Galuh Ciamis berada pada kategori sedang dengan nilai rata-rata sebesar 2,98 dari skor maksimal 4. Selain itu, literasi keuangan syariah berpengaruh positif terhadap keputusan menggunakan produk lembaga keuangan syariah dengan nilai signifikansinya sebesar 0,000 < 0,05. Adapun kontribusi pengaruh literasi keuangan syariah terhadap keputusan menggunakan produk lembaga keuangan syariah sebesar 36,1%, sedangkan sisanya sebesar 63,9% dipengaruhi oleh variabel lain yang tidak dimasukan dalam penelitian ini. Artinya semakin tinggi tingkat literasi keuangan syariah Mahasiswa STAI Putra Galuh Ciamis, maka akan meningkatkan pengambilan keputusan penggunaan produk lembaga keuangan syariah.ABSTRACTThis study aims to determine the level of Islamic financial literacy of STAI Putra Galuh Ciamis students and the effect of Islamic financial literacy on the decision to use Islamic financial institution products. The method used in this study is an explanatory survey method with data collection techniques using a questionnaire. The population in this study were all STAI Putra Galuh Ciamis students, totaling 266 students and sampling through probability sampling. The number of samples in this study were 158 students. The data analysis used is descriptive analysis to determine the level of Islamic financial literacy and simple linear regression analysis to determine the effect of Islamic financial literacy on the decision to use Islamic financial institution products. The results of this study indicate that the level of Islamic financial literacy of STAI Putra Galuh Ciamis students is in the medium category with an average score of 2.98 out of a maximum score of 4. In addition, Islamic financial literacy has a positive effect on the decision to use Islamic financial institution products with a significant value of 0.000 <0.05. The contribution of the effect of Islamic financial literacy on the decision to use Islamic financial institution products is 36.1%, while the remaining 63.9% is influenced by other variables not included in this study. This means that the higher the level of Islamic financial literacy of STAI Putra Galuh Ciamis students, the higher the decision making on the use of Islamic financial institution products.

Analisis Perlakuan Dana Non Halal sebagai Dana Kebajikan dan Reputasi Pada Lembaga Keuangan Syariah Mutaqin, Kikin; Abdul Hakim, Atang; Nurwahidah, Dede
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 5 No. 2 (2024): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v5i2.3967

This study aims to analyze the implementation of the treatment of non-halal funds including aspects of legal rules as a benevolent fund and see its correlation to the reputation of Islamic financial institutions. This research uses the library research method with data collection techniques through searching library references, in the form of books, journals and other scientific publications. Data analysis is carried out in depth on the meaning contained in each concept and paradigm both from verses in the Qur'an, Hadith, and the opinions of the figures. The results of this study explain that non-halal funds are a segment that requires in-depth study, because at first it did not have a legal basis in its management, only limited to the presentation and recording of the accounting side. The role of the ulama through the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) which issued fatwa Number 123 of 2018 is the basis for the treatment and legal status of non-halal funds. In addition, non-halal funds have an indirect effect on the reputation of Islamic financial institutions, meaning that the higher the receipt of non-halal funds, the worse the reputation of the institution.

Negara Sebagai Mediator Tumbuh Kembangnya Ekonomi Berbasis Syariah: Perspektif Filsafat Rakhmawan Suherli, Ian; Nurrohman, Nurrohman; Abdul Malik, Zaini; Mutaqin, Kikin
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 5 No. 2 (2024): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v5i2.4112

Islamic economics is an economic system that is a minority used in the world compared to other economic systems. Islam is a comprehensive religion and governs all aspects of life including economics. Islamic economics aims to create economic schemes that refer to Islamic principles, such as social justice, balance, avoiding usury, and sustainable growth. The economic sources of sharia come from the Quran, as Sunnah or al Hadith, the history of Islamic society, and empirical data. The state has an important role in supporting and regulating Islamic economic practices through appropriate regulations and policies. The state and the Islamic economy have the same interest in creating social justice, economic stability, and public welfare. The relationship between religion and state also affects the development of a country's sharia economy. In Indonesia, the government has supported the implementation of the sharia economy through various regulations and policies such as the Sharia Banking Law. With the right support from the state, the Islamic economy is expected to develop faster and provide benefits to the community.

Efektivitas Akad Tunggal dan Multi Akad; Tantangan dan Peluang Inovasi Produk pada Pegadaian Syariah di Indonesia Kikin Mutaqin
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 6 No. 2 (2025): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v6i2.5019

Penelitian ini mengkaji dinamika penerapan akad tunggal dan multi akad pada Pegadaian Syariah di Indonesia, khususnya dalam menyediakan solusi pembiayaan berbasis syariah yang inovatif dan sesuai dengan prinsip Islam. Dengan menggunakan metode kualitatif dan pendekatan studi kasus, penelitian ini mengeksplorasi keunggulan, tantangan, serta dampak implementasi kedua jenis akad tersebut terhadap inovasi produk keuangan syariah. Akad tunggal, seperti rahn dan ijarah, menonjol karena kesederhanaan, efisiensi, dan kepatuhannya terhadap syariah. Namun, kebutuhan masyarakat yang semakin kompleks mendorong penggunaan multi akad, seperti pada produk Arrum Haji yang menggabungkan akad rahn dan ijarah.Hasil penelitian menunjukkan bahwa multi akad menawarkan fleksibilitas dan peluang untuk menciptakan produk keuangan yang lebih adaptif, tetapi juga menghadapi tantangan dalam menjaga kejelasan struktur akad, menghindari gharar, dan meningkatkan literasi masyarakat. Dukungan regulasi, seperti fatwa DSN-MUI, memberikan landasan hukum yang kuat untuk mengatasi kendala tersebut. Penelitian ini merekomendasikan peningkatan pengawasan syariah dan edukasi publik guna mengoptimalkan multi akad sebagai instrumen strategis untuk memperluas inklusi keuangan syariah dan memperkuat daya saing Pegadaian Syariah di tengah dinamika ekonomi modern.

PENGARUH CURRENT RATIO DAN TOTAL ASSETS TURN OVER TERHADAP RETURN ON ASSETS Khoer, Misbahul; Mubaarok, Saeful Huda; Jaelani, Ihrom; Acim, Acim; Mutakin, Kikin
Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi Vol. 21 No. 01 (2024): Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/equi.v21i01.9197

AbstrakTujuan dari penelitian ini adalah untuk mengetahui pengaruh Current Ratio (CR) terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022, serta pengaruh Turnover Total Assets (TATO) terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022. Selanjutnya, tujuan dari penelitian ini adalah untuk mengetahui pengaruh Current Ratio (CR) dan Turnover Total Assets (TATO) secara simultan terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022. Penelitian ini menggunakan metode penelitian kuantitatif, yang merupakan salah satu jenis penelitian yang memiliki spesifikasi yang sistematis, terencana, dan terstruktur dengan jelas sejak awal hingga akhir desain penelitian. Analisis deskriptif, uji asumsi klasik, analisis regresi linier berganda, analisis koefisien korelasi, analisis determinasi, dan pengujian hipotesis adalah beberapa teknik yang digunakan untuk menganalisis data. Hasil penelitian menunjukkan bahwa ada pengaruh Current Ratio (CR) terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022, serta pengaruh Turnover Total Assets (TATO) terhadap Return on Assets (ROA) pada PT. Indofood Sukses Makmur, Tbk dari tahun 2018 hingga 2022. Selanjutnya, ada pengaruh Current Ratio (CR) dan Turnover Total Assets (TATO) terhadap Return on Assets (RO) pada PT. Indofood Sukses Makmur, Tbk periode 2018-2022. Kata kunci : current ratio; total assets turn over; Return on Assets AbstractThe purpose of this research is to find out the effect of Current Ratio (CR) on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022, as well as the influence of Turnover Total Assets (TATO) on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022. Furthermore, the purpose of this research is to find out the effect of Current Ratio (CR) and Turnover Total Assets (TATO) simultaneously on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022. This research uses a quantitative research method, which is one of the types of research that has systematic, planned, and clearly structured specifications from the beginning to the end of the research design. Descriptive analysis, classical assumption test, multiple linear regression analysis, correlation coefficient analysis, determination analysis, and hypothesis testing are some of the techniques used to analyze the data. The results of the research show that there is an influence of Current Ratio (CR) on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022, as well as the influence of Turnover Total Assets (TATO) on Return on Assets (ROA) at PT. Indofood Sukses Makmur, Tbk from 2018 to 2022. Furthermore, there is an influence of Current Ratio (CR) and Turnover Total Assets (TATO) on Return on Assets (RO) at PT. Indofood Sukses Makmur, Tbk period 2018-2022. Keywords: current ratio; total assets turn over; Return on Assets (roa)

EFEKTIVITAS ZAKAT PRODUKTIF DAN KUALITAS PENDAMPINGAN TERHADAP KEMANDIRIAN EKONOMI MUSTAHIK DI KABUPATEN CIAMIS Kikin Mutakin; Acim Acim; Akmaludin Akmaludin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.282

This study aims to analyze and empirically test the effect of the effectiveness of productive zakat and the quality of mentoring, both partially and simultaneously, on the economic independence of mustahik in Ciamis Regency. The research approach used is quantitative with a causal associative method. The population in this study were mustahik recipients of the productive zakat program in Ciamis Regency with a sample of 100 respondents determined using the Slovin formula and purposive sampling technique. Data collection was carried out by distributing questionnaires with a Likert scale. Data analysis was carried out using classical assumption tests, multiple linear regression analysis, and hypothesis testing with the help of IBM SPSS software. The results of the study indicate that partially the effectiveness of productive zakat has a positive and significant effect on the economic independence of mustahik (t = 4.420; sig = 0.000). The quality of mentoring is also proven to have a positive and significant effect on the economic independence of mustahik (t = 7.102; sig = 0.000). Simultaneously, the effectiveness of productive zakat and the quality of mentoring significantly influence the economic independence of mustahik (F = 35.487; sig = 0.000). The R Square value of 0.423 indicates that the contribution of the effectiveness of productive zakat and the quality of mentoring in explaining the variation in economic independence of mustahik is 42.3%, while the remaining 57.7% is influenced by other factors outside the research model. The conclusion of this study confirms that the success of the mustahik economic empowerment program is not only determined by the effectiveness of productive zakat distribution, but is also greatly influenced by the quality of the mentoring provided. Therefore, the integration between appropriate business capital assistance and quality mentoring is an important factor in encouraging the realization of economic independence of mustahik in Ciamis Regency.

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