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All Journal Kartika: Jurnal Studi Keislaman Al Qardhu Jurnal Ekonomi dan Bisnis Islam
Hikmatul Hidayati Mz
Insitut Agama Islam Hamzanwadi Pancor
Religion Economics, Econometrics & Finance Education Social Sciences

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DAMPAK PEMAFAATAN DANA PRAKERJA DALAM MEMBANGUN EKONOMI MASYARAKAT DI DESA BAGIK PAYUNG SELATAN Hikmatul Hidayati Mz
Al-Qardhu Vol. 1 No. 02 (2023): (Februari) JURNAL AL-QARDHU
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i02.995

Abstract

Pengangguran merupakan salah satu masalah yang di hadapi pemerintah di Indonesia. Apalagi dimasa pandemi covid-19 saat ini membuat banyak masyarakat yang kehilangan pekerjaannya. Terbatasnya aktifitas masyarakat membuat mereka menjadi pengangguran. Masyarakat tidak tau apa yang harus dilakukan. Oleh sebab itu pemerintah berupaya menyelesaikann permasalahan ini dengan segera. Salah satu upaya pemerintah yakni dengan cara mengadakan program kartu prakerja. Program kartu prakerja ini menjadi langkah awal pemerintah dalam rangka mengurangi dampak covid-19. Covid-19 berdampak pada semua kalangan, dari yang miskin sampai yang kaya. Meskipun masyarakat mendapatakan kartu prakerja, namun masih banyak masyarakat yang bingung harus memulai dari mana dan bagaimana mereka harus bekerja. penelitian ini bertujuan untuk mengkaji dampak pemanfaatan dana prakerja pada masyarakat desa bagik payung selatan. Penelitian ini menggunakan metode Penelitian lapangan (field research) yakni penelitian yang dilakukan secara intensif, terperinci dan mendalam terhadap suatu objek tertentu dengan mempelajarinya sebagai contoh kasus. Hasil penelitian ini menunjukkan bahwa dampak pemafaatan dana prakerja di desa bagik payung Selatan masih kurang maksimal. Hal ini berdasarkan realisasi data penerima dana program kartu prakerja. Dimana masyarakat yang mendapatkan kartu prakerja sebagian besar mengambil manfaat terlebih dahulu sebelum dana itu cair dan sebagian kecil dari mereka yang membuka usaha itu pun hanya berjualan pulsa, jadi belum sesuai dengan tujuan program kartu prakerja itu sendiri.
Efektivitas Layanan Transaksi QRIS Pada Pelaku UMKM di Bank NTB Syariah KC Selong fathurrazak, Fathurrazak; Hikmatul Hidayati MZ; Baiq Jois Erlina
Al-Qardhu Vol. 3 No. 2 (2025): Februari
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i2.2025

Abstract

This study is entitled Effectiveness of QRIS Transaction Services for MSMEs at BANK NTB Syariah KC Selong, the purpose of this study is to determine the application of digitalization to the QRIS system and to determine the effectiveness of the digitalization system for MSMEs with QRIS transactions. The approach used in this study is a qualitative descriptive approach. The descriptive approach is a study to determine facts with the right interpretation to recognize phenomena and to describe or accurately describe the characteristics of several phenomena, groups or individuals that are occurring. Data processing is a process that changes raw data into useful and easily accepted information. Data processing techniques are a series of steps or processes carried out to organize, clean, analyze, and interpret data collected in the study. Based on the results of the research and analysis that have been presented above, the researcher concludes that the QRIS service at Bank NTB Syariah KC Selong is a QRIS mobile application service provided by the bank that can be used by users or merchants to serve non-cash transactions by customers and non-customers of Bank NTB Syariah KC Selong. 1. The implementation of QRIS transactions based on a SWOT analysis of the QRIS transaction service at Bank NTB Syariah KC Selong shows that the implementation of the QRIS service at Bank NTB Syariah KC Selong has strengths such as complete application features, no administration fees, fast and easy transactions, and meets all transaction needs. However, it also has weaknesses such as transaction limits, registration can only be done at the office, only for users domiciled in NTB, and lack of socialization about the QRIS service. There are opportunities in this QRIS service which include, a fairly wide marketing coverage, the rapid growth of MSMEs in NTB, a comparison of the number of young people who are more than the old age in NTB, and strong support from the government. And this QRIS service has threats including, competition, limited information, old-fashioned people's mindsets, and internet networks that are still lacking. 2. The effectiveness of the QRIS transaction service for MSME actors through the QRIS transaction at Bank NTB Syariah KC Selong, namely it is said to be effective for MSME actors because it has several indicators such as ease of use, transaction security and being able to track sales. Then it is said to be ineffective for UMKM actors using the QRIS service of Bank NTB Syariah KC Selong because of several indicators such as technological accessibility, lack of public knowledge and understanding of QRIS and customer preferences. Keywords: QRIS, Effectiveness, Service, UMKM and Bank NTB Syariah
DAMPAK PEMAFAATAN DANA PRAKERJA DALAM MEMBANGUN EKONOMI MASYARAKAT DI DESA BAGIK PAYUNG SELATAN Hidayati Mz, Hikmatul
Al-Qardhu Vol. 1 No. 02 (2023): (Februari) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i02.995

Abstract

Pengangguran merupakan salah satu masalah yang di hadapi pemerintah di Indonesia. Apalagi dimasa pandemi covid-19 saat ini membuat banyak masyarakat yang kehilangan pekerjaannya. Terbatasnya aktifitas masyarakat membuat mereka menjadi pengangguran. Masyarakat tidak tau apa yang harus dilakukan. Oleh sebab itu pemerintah berupaya menyelesaikann permasalahan ini dengan segera. Salah satu upaya pemerintah yakni dengan cara mengadakan program kartu prakerja. Program kartu prakerja ini menjadi langkah awal pemerintah dalam rangka mengurangi dampak covid-19. Covid-19 berdampak pada semua kalangan, dari yang miskin sampai yang kaya. Meskipun masyarakat mendapatakan kartu prakerja, namun masih banyak masyarakat yang bingung harus memulai dari mana dan bagaimana mereka harus bekerja. penelitian ini bertujuan untuk mengkaji dampak pemanfaatan dana prakerja pada masyarakat desa bagik payung selatan. Penelitian ini menggunakan metode Penelitian lapangan (field research) yakni penelitian yang dilakukan secara intensif, terperinci dan mendalam terhadap suatu objek tertentu dengan mempelajarinya sebagai contoh kasus. Hasil penelitian ini menunjukkan bahwa dampak pemafaatan dana prakerja di desa bagik payung Selatan masih kurang maksimal. Hal ini berdasarkan realisasi data penerima dana program kartu prakerja. Dimana masyarakat yang mendapatkan kartu prakerja sebagian besar mengambil manfaat terlebih dahulu sebelum dana itu cair dan sebagian kecil dari mereka yang membuka usaha itu pun hanya berjualan pulsa, jadi belum sesuai dengan tujuan program kartu prakerja itu sendiri.
Efektivitas Layanan Transaksi Qris Pada Pelaku UMKM di Bank NTB Syariah KC Selong fathurrazak, Fathurrazak; Hidayati MZ, Hikmatul; Jois Erlina, Baiq
Al-Qardhu Vol. 3 No. 2 (2025): (Februari) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i2.2025

Abstract

This study is entitled Effectiveness of QRIS Transaction Services for MSMEs at BANK NTB Syariah KC Selong, the purpose of this study is to determine the application of digitalization to the QRIS system and to determine the effectiveness of the digitalization system for MSMEs with QRIS transactions. The approach used in this study is a qualitative descriptive approach. The descriptive approach is a study to determine facts with the right interpretation to recognize phenomena and to describe or accurately describe the characteristics of several phenomena, groups or individuals that are occurring. Data processing is a process that changes raw data into useful and easily accepted information. Data processing techniques are a series of steps or processes carried out to organize, clean, analyze, and interpret data collected in the study. Based on the results of the research and analysis that have been presented above, the researcher concludes that the QRIS service at Bank NTB Syariah KC Selong is a QRIS mobile application service provided by the bank that can be used by users or merchants to serve non-cash transactions by customers and non-customers of Bank NTB Syariah KC Selong. 1. The implementation of QRIS transactions based on a SWOT analysis of the QRIS transaction service at Bank NTB Syariah KC Selong shows that the implementation of the QRIS service at Bank NTB Syariah KC Selong has strengths such as complete application features, no administration fees, fast and easy transactions, and meets all transaction needs. However, it also has weaknesses such as transaction limits, registration can only be done at the office, only for users domiciled in NTB, and lack of socialization about the QRIS service. There are opportunities in this QRIS service which include, a fairly wide marketing coverage, the rapid growth of MSMEs in NTB, a comparison of the number of young people who are more than the old age in NTB, and strong support from the government. And this QRIS service has threats including, competition, limited information, old-fashioned people's mindsets, and internet networks that are still lacking. 2. The effectiveness of the QRIS transaction service for MSME actors through the QRIS transaction at Bank NTB Syariah KC Selong, namely it is said to be effective for MSME actors because it has several indicators such as ease of use, transaction security and being able to track sales. Then it is said to be ineffective for UMKM actors using the QRIS service of Bank NTB Syariah KC Selong because of several indicators such as technological accessibility, lack of public knowledge and understanding of QRIS and customer preferences.
Mekanisme Pembiayaan Qardhul Hasan untuk Meningkatkan Pemberdayaan Ekonomi Guru Perempuan Hidayati MZ, Hikmatul
Kartika: Jurnal Studi Keislaman Vol. 5 No. 3 (2025): Kartika: Jurnal Studi Keislaman (November)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v5i3.364

Abstract

This study aims to analyze the mechanism of Qardhul Hasan financing as an instrument for empowering female teachers’ economic capacity within the Islamic microfinance institution Baituttamkin in West Nusa Tenggara. The dual role of female teachers as educators and family economic supporters requires fair access to financing based on Islamic principles. Through the Qardhul Hasan scheme, the institution provides interest-free loans intended for developing community-based microenterprises. This research employs a qualitative approach using field research and descriptive-analytic methods. Data were collected through observation, interviews, and documentation at Baituttamkin Aikmel Unit. The findings reveal that the Qardhul Hasan mechanism effectively enhances the economic independence and welfare of female teachers through sharia-compliant business capital support. Beyond financial benefits, the program also serves as a medium for financial education, spiritual strengthening, and fostering social solidarity among participants. Therefore, Qardhul Hasan represents a financing model that not only promotes material prosperity but also embodies the ethical, equitable, and inclusive principles of Islamic economic values.
Co-Authors Baiq Jois Erlina Fathurrazak Jois Erlina, Baiq