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All Journal IKRA-ITH EKONOMIKA CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Outline Journal of Economic Studies
Eli Agustami
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Economics, Econometrics & Finance Social Sciences

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Analysis of Digitization of Zakat, Infaq, and Sadaqah in Alleviating Poverty in the Community at Baznas Medan City Putri Septiyani; Eli Agustami; Abdul Rahman
Outline Journal of Economic Studies Vol. 5 No. 1: October - March 2026
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/sxxnx344

Abstract

Purpose: This study aimed to develop a deep understanding of the social phenomena related to the digitalization of Zakat, Infaq, and Sadaqah (ZIS) distribution managed by BAZNAS Medan City, focusing on its social implications, such as improving transparency, efficiency, and community empowerment in poverty alleviation efforts. Method: The research employed a descriptive qualitative approach, collecting narrative data through in-depth interviews, participatory observation, and relevant documentation. The subjects of the study included institutions and individuals directly involved in the management of ZIS, such as administrators, program implementers, and beneficiaries. Purposive sampling was used to select informants who were considered to have the most relevant and insightful information. Data analysis followed the interactive analysis model proposed by Miles and Huberman, consisting of data reduction, data presentation, and conclusion drawing. To ensure data validity, triangulation techniques involving sources, methods, and time were applied. Results: The findings revealed that the digitalization of ZIS distribution led to positive social implications, contributing to greater transparency, efficiency, and empowerment in the fight against poverty.
PERAN BUDAYA INDIA MUSLIM DAN MELAYU TERHADAP PERTUMBUHAN USAHA MIKRO KECIL MENENGAH MAKANAN HALAL DI KAMPUNG MADRAS MEDAN Wahyuni Sirait; Eli Agustami; Nurhudawi
IKRAITH-EKONOMIKA Vol. 9 No. 2 (2026): IKRAITH-EKONOMIKA Vol 9 No 2 Juli 2026
Publisher : Universitas Persada Indonesia YAI

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Abstract

Penelitian ini bertujuan untuk menganalisis peran budaya India Muslim dan Melayu dalam pengembangan UMKM makanan halal di Kampung Madras, Kota Medan. Metode yang digunakan adalah pendekatan kualitatif dengan jenis penelitian deskriptif. Teknik pengumpulan data dilakukan melalui wawancara mendalam, observasi, dan dokumentasi. Informan dalam penelitian ini berjumlah 12 orang yang dipilih secara purposive, terdiri dari pelaku UMKM dari latar belakang budaya India Muslim dan Melayu. Hasil penelitian menunjukkan bahwa budaya India Muslim berperan dalam menjaga keaslian produk, terutama pada cita rasa dan konsistensi prinsip kehalalan, sedangkan budaya Melayu berperan dalam kemampuan adaptasi terhadap selera pasar dan memperluas jaringan konsumen. Interaksi kedua budaya tersebut menciptakan sinergi yang memberikan nilai tambah dan meningkatkan daya saing UMKM. Selain itu, keberadaan UMKM juga memberikan dampak positif terhadap pertumbuhan ekonomi lokal melalui peningkatan pendapatan dan penciptaan lapangan kerja. Namun, pelaku UMKM masih menghadapi kendala seperti keterbatasan modal dan persaingan usaha. Oleh karena itu, diperlukan upaya penguatan strategi usaha berbasis budaya agar keberlanjutan UMKM tetap terjaga.Kata Kunci :Budaya India Muslim, Melayu, UMKM, Makanan Halal, Kampung Madras
Analisis Pemahaman Pelaku UMKM terhadap Inklusi Keuangan Syariah dalam Memperluas Akses Pembiayaan di Kelurahan Harjosari Kecamatan Medan Amplas Asty Amanda; Eli Agustami; Nurhudawi Nurhudawi
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 6 No. 2 (2026): MEI: CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v6i2.8992

Abstract

This study aims to analyze the understanding of Micro, Small, and Medium Enterprises (MSMEs) in Harjosari II Village regarding Islamic financial inclusion and its contribution to expanding access to business capital financing. Although the national financial inclusion index continues to increase, the implementation of Islamic financial inclusion still faces challenges at the grassroots level. This research used a descriptive qualitative method with data collection techniques consisting of observation, documentation, and in-depth interviews with MSME owners in Harjosari II Village and staff from KSPPS & BMT Syariah Sejahtera (SS) Medan. The findings show that MSME owners’ understanding of Islamic financial inclusion is influenced by religiosity and the perception of justice through the profit-sharing system. Islamic financial inclusion is implemented through a kinship approach and simplified administrative procedures for the informal sector. However, the main obstacles to expanding financing access include limited Islamic financial literacy, restricted financing ceilings, and entrepreneurs’ lack of confidence in formal banking procedures. Islamic financing contributes to increasing production capacity and providing spiritual peace of mind by offering capital alternatives free from usury (riba). This study recommends strengthening direct technical socialization and implementing more flexible financing ceiling policies to support MSME growth in suburban areas.
Co-Authors Abdul Rahman Asty Amanda Nurhudawi Nurhudawi Nurhudawi Putri Septiyani Wahyuni Sirait