Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Al-Kharaj: Journal of Islamic Economic and Business BJRM (Bongaya Journal of Research in Management)
Madrianah
Institut Bisnis dan Keuangan Nitro
Humanities Economics, Econometrics & Finance Education

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Transformation of Mustahik into Muzakki Through Independent Entrepreneurship: A Study on the Financial Management of MSME in the Z-Chicken Program Sudirman; Alimuddin; Darwis Said; Madrianah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9743

Abstract

The purpose of this study is to explore the practice of mustahik financial management as MSE actors in the Z-Chicken productive zakat program organized by the National Amil Zakat Agency (Baznas) of Pangkep Regency, and assess the role of mustahik assistance to become muzakki. The background of this research is that the capital assistance program and production training that have been given to mustahik to become independent MSE actors still experience obstacles in their implementation. Namely, the inability of MSE actors to separate business and personal finances, as well as the lack of maximum assistance programs carried out by program organizers that have an impact on the sustainability of the beneficiaries' businesses. This research uses a qualitative approach of case studies, where the perpetrators are mustahik as the beneficiaries of the program and the Pangkep Regency Baznas as the program manager and companion. Data were obtained through interviews, observations, FGDs, and documentation, then analyzed with Miles and Huberman's interactive models, and tested for validity using triangulation of sources and methods. The results show that financial management practices are still weak, and turnover is often considered a profit without a separation between capital and margin. The main inhibiting factors include household financial literacy, low financial literacy, lack of record-keeping habits, and a culture of dependence on aid. Baznas' role in mentoring is more focused on technical, production, and digital marketing aspects, while the financial literacy aspect has not been optimal. Theoretically, this research strengthens the theory of microfinance and financial capabilities in the context of productive zakat, while practically providing recommendations for Baznas to integrate financial literacy training and sustainable mentoring into social economic empowerment programs.
Peran Kontinjensi Literasi Keuangan Digital Dalam Mitigasi Risiko Kredit Umkm Melalui Fintech Channeling Feronica Fungky Muchsidin; Baharuddin; Madrianah; Muhammad Rizal Nur
BJRM (Bongaya Journal of Research in Management) Vol. 10 No. 1 (2027): BJRM (Bongaya Journal of Research in Management)
Publisher : LPPM STIEM BONGAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37888/bjrm.v10i1.1151

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Fintech Channeling, Efisiensi Internal (BOPO), dan Infrastruktur Digital Makro (QRIS) terhadap Kualitas Kredit UMKM (NPL), dengan Literasi Keuangan Digital sebagai variabel moderasi. Menggunakan pendekatan kuantitatif, penelitian ini memanfaatkan data panel dari 15 bank umum konvensional yang terdaftar di Bursa Efek Indonesia selama periode 2021-2025 (75 observasi). Teknik analisis menggunakan regresi data panel statis (model Fixed Effect) dengan robust standard error, yang didahului oleh uji diagnostik awal menggunakan System GMM. Hasil penelitian menunjukkan bahwa Fintech Channeling, BOPO, dan QRIS secara parsial tidak berpengaruh signifikan terhadap NPL UMKM. Namun, uji interaksi membuktikan bahwa Literasi Keuangan Digital secara signifikan memperkuat pengaruh negatif Fintech Channeling terhadap NPL UMKM. Temuan ini mengindikasikan bahwa adopsi teknologi digital saja tidak cukup; efektivitas Fintech Channeling dalam memitigasi risiko kredit sangat bergantung pada tingkat literasi keuangan digital masyarakat di sekitarnya. Oleh karena itu, peningkatan kapabilitas sumber daya manusia dalam keuangan digital sama krusialnya dengan investasi pada infrastruktur teknologi untuk mencapai inklusi keuangan yang berkelanjutan.
Co-Authors Alimuddin Baharuddin Darwis Said, Darwis Feronica Fungky Muchsidin Muhammad Rizal Nur Sudirman