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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.

STRATEGI BANK SYARIAH DALAM MENGHADAPI INFLASI: PENGARUH NISBAH BAGI HASIL TERHADAP DANA PIHAK KETIGA khitabah, jurnal; Mutakin, Kikin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.80

This study aims to analyze the strategies implemented by PT. Bank BTPN Syariah Tbk in addressing inflationary pressures and to evaluate the impact of the profit-sharing ratio on the accumulation of third-party funds (TPF). Inflation is often a significant challenge for the banking sector, particularly for Islamic banks that operate on a profit-sharing basis. This research employs a quantitative method with a regression analysis approach to examine the relationship between inflation, profit-sharing ratios, and TPF. The data used includes secondary data from financial reports and macroeconomic statistics over a specific period. The findings indicate that inflation has a significant relationship with TPF, where the profit-sharing ratio plays a critical role in maintaining stability and enhancing customer trust. Strategies such as adjusting profit-sharing ratios and innovating Sharia-compliant products have proven effective in mitigating the effects of inflation. This research is expected to contribute to the development of Islamic banking strategies to enhance competitiveness amid economic dynamics.

PENGARUH BAGI HASIL, RELIGIUSITAS, RESIKO DAN PRODUK PADA MINAT NASABAH BANK MUAMALAT khitabah, jurnal; Mutakin, Kikin
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 1 No 2 (2024): Desember
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v1i2.81

The problems discussed in this research are 1) What is the influence of profit sharing on customer interest in choosing Muamalat Bank in Ciamis Regency. 2) How does religiosity influence customer interest in choosing Muamalat Bank in Ciamis Regency. 3) How does risk influence customer interest in choosing Muamalat Bank in Ciamis Regency? 4) How does the product influence customer interest in choosing Muamalat Bank in Ciamis Regency? The research method used in this research is survey research. Quantitative research methods are a type of research whose specifications are systematic, planned and clearly structured from the start until the creation of the research design. The research results show that Bank Muamalat Indonesia in Ciamis shows very good performance in various aspects, including profit sharing, religiosity, risk and products. However, several areas need to be improved, such as clarity of production sharing agreements, ensuring documents are prepared in simple and easy to understand language, and strengthening team collaborations.

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 LITERASI KEUANGAN SYARIAH, PENGALAMAN KEUANGAN, DAN ETIKA KONSUMSI TERHADAP PERILAKU KEUANGAN PEDAGANG PASAR TRADISIONAL Mutakin, Kikin; Jaelani, Ihrom; Acim, Acim
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 2 No 1 (2025): .
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to analyze the influence of Islamic financial literacy, Islamic financial experience, and self-control on Islamic financial behavior in traditional market traders. The background of this study is the challenges faced by traditional business actors amidst the rapid digitalization of the economy and the low level of Islamic financial literacy and inclusion in Indonesia. With a quantitative approach, this study uses a multiple linear regression method on 50 market trader respondents selected purposively. The results of the analysis show that simultaneously, the three independent variables do not have a significant effect on Islamic financial behavior (sig. F value > 0.05). Likewise, partially, Islamic financial literacy, Islamic financial experience, and self-control do not have a significant effect on Islamic financial behavior. This indicates that there are other factors outside the model that may be more dominant in shaping Islamic financial behavior, such as religious understanding, local cultural values, or the influence of the social environment. This study recommends the need for a deeper educational and spiritual approach and community-based economic assistance programs to strengthen Islamic financial practices at the micro level

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