The background this study are: firstly, there are a number of zakat institutions in Indonesia, both agencies and institutions amil amil zakat zakat is still not able to optimally collect zakat funds, infaq, and sadaqah of society. Second, the persistence of people's distrust of institutions in channeling zakat zakat funds, infaq, and sadaqah, so people still rely on the old way is by direct distribution. The third officer attitudes zakat institutions in serving mustahiq should be improved because it is related to the satisfaction and familial ties between the parties with mustahiq amil zakat institutions. The results of this study are as follows: First, empowerment conducted by Yatim Mandiri covers many aspects, such as economy, education, health services, humanitarian and others. Second, each of these aspects before, have the derivation in the form of empowerment programs. Third, Yatim Mandiri as amil zakat institutions that focus on empowering orphans/dhuafa was also to empower the poor, Fourth, Yatim Mandiri as amil zakat institutions have a number of donations and charity infaq much larger than the amount of zakat donations, with ratio of 80:20, and Fifth, the service provided by the Yatim Mandiri to the poor and needy got a very good assessment from the their mustahiq. Overall, the conclusion from this study is tha t the Yatim Mandiri has done his duty to the optimum as evidenced by the very positive assessment of mustahiq and empowering the poor to the services them, and they provide from time to the time.
The MSMEs-based halal industry is one of the sources that should be taken into account to be developed. This study aims to provide a comprehensive review and analysis of the halal industry and micro, small and medium enterprises (MSMEs) in their efforts to maintain economic resilience during a Covid 19 pandemic. This analysis focuses on theoretical, established and empirical reviews that focus on the halal industry as a new fiscal source. This study uses a literature study review approach for the halal industry from various literature on the halal industry and MSMEs from Indonesia and overseas. The literature is also limited to the publication of 2015-2020. The findings of this study are that halal industry is the newest source of Islamic economics that can be relied on in raising the country's fiscal. Of course, it is intended for poverty alleviation, distribution of consumption, public service media and other relevant instruments. However, the halal industry integration system can become a "new engine" in economic fundamentals that needs synergy and support from various parties from the government, SMEs, and private sector so that the real issues and conditions for economic recovery amid the pandemic can be better. Keywords: Halal Industry; Post-pandemic; Covid-19; Blessings Abstrak: Industri halal berbasis UMKM merupakan salah satu sumber yang harus diperhatikan untuk dikembangkan. Kajian ini bertujuan untuk memberikan ulasan serta analisis yang komprehensif tentang industri halal dan usaha mikro, kecil dan menengah dalam upayanya menjaga ketahanan ekonomi di tengah pandemi Covid 19. Analisis ini fokus pada ulasan teoritis, kebijakan yang telah ditetapkan dan empiris yang menitikberatkan pada industri halal sebagai sumber fiskal baru. Penelitian ini menggunakan pendekatan kajian kepustakaan industri halal dari berbagai literatur industri halal dan UMKM baik yang berasal dari Indonesia maupun dari luar negeri. Literaturnyapun dibatasi dengan durasi terbitan tahun 2015-2020. Penemuan dari studi ini adalah industri halal adalah sumber terbaru ekonomi Islam yang dapat diandalkan dalam menggalang fiskal negara. Tentunya diperuntukkan untuk pengentasan kemiskinan, pendistribusian konsumsi, media layanan publik dan instrumen lain yang relevan. Namun sistem integrasi industri halal untuk menjadi 'new engine' dalam fundamental ekonomi perlu sinergi dan dukungan berbagai pihak dari pemerintah, UKM, dan swasata. Sehingga isu dan kondisi riil pemulihan ekonomi di tengah pandemi dapat lebih baik. Kata Kunci: Industri Halal; Pasca Pandemi; Covid-19; Berkah
ABSTRAKSaat ini wisata syariah yang biasa dikenal dengan wisata religi sedang menjamur, khususnya di Jawa Timur. Sosok yang dianggap wali oleh sebagian orang itu berada di Surabaya, Gresik, dan Tuban, namun saat ini berkembang di kabupaten Jombang, yakni makam Presiden ke-4 Abdurrahman Wahid yang disebut Gus Dur. Penelitian ini bertujuan untuk mengetahui pemahaman masyarakat dalam memanfaatkan peluang wisata religi makam Gus Dur dalam meningkatkan perekonomian masyarakat sekitar pondok pesantren Tebuireng khususnya di dusun Jalan Seblak gang III. Penelitian ini dapat dicermati melalui perubahan kehidupan ekonomi, pemanfaatan peluang usaha dan faktor penghambat bagi kepentingan usaha. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa masyarakat setempat mengalami perubahan ekonomi dengan memanfaatkan peluang untuk membangun warung di atas tanah mereka dan menyewakannya kepada pedagang luar. Ini memberikan nilai ekonomi tambahan. Namun, penjualan warung-warung tersebut dinilai tidak mencukupi, sehingga mengharuskan mereka untuk membuka usaha sampingan. Terdapat peluang yang sangat baik bagi masyarakat untuk memilih menyewakan lapaknya karena faktor penghambat yaitu keluarga, tenaga kerja, permodalan, dan rasa empati yang tinggi terhadap pedagang pendatang. Saran bagi Pemerintah Kabupaten Jombang adalah memfasilitasi masyarakat dengan pengetahuan kewirausahaan dengan mengadakan seminar agar memiliki pengetahuan dan motivasi yang tinggi untuk menjalankan bisnis.Kata Kunci: Wisata Religi Makam Gus Dur, Peningkatan Ekonomi, Peluang Usaha. ABSTRACTCurrently, sharia tourism, commonly known as religious-friendly tourism is proliferating, especially in East Java. The figure, who is considered a guardian by some people, is located in Surabaya, Gresik, and Tuban but currently developing in the Jombang district, namely the tomb of the 4th President Abdurrahman Wahid, who is called Gus Dur. This study aims to determine the understanding of the community in taking advantage of religious tourism opportunities in Gus Dur's tomb in improving the community's economy around the Tebuireng Islamic boarding school, especially in the hamlet of Street Seblak street alley III. This study can be observed through changes in economic life, utilization of business opportunities and inhibiting factors for business interests. This study uses a qualitative descriptive method with interview and documentation data collection techniques. The results of this study show that the local community is experiencing economic changes by taking advantage of the opportunity to build a warung on their land and rent it out to outside traders. It provides added economic value. However, the sales of the stalls are considered insufficient, so they require them to open a side business. There is an excellent opportunity for the community to choose to rent out their stalls because of the inhibiting factors, namely family, labour, capital, and a high sense of empathy for migrant traders. The suggestion for the Jombang Regency Government is to facilitate the community with entrepreneurial knowledge by holding seminars to have high knowledge and motivation for business interests.Keywords: Religion Tourism of Gus Dur Tomb, Economic Improvement, Business Opportunity. REFERENCESAbdi, M. K., & Febriyanti, N. (2020). Penyusunan strategi pemasaran islam dalam berwirausaha di sektor ekonomi kreatif pada masa pandemi covid-19. El Qist - Journal of Islamic Economics and Business, 10(2), 160–179.Abduh, M. (2019). The role of Islamic social finance in achieving SDG Number 2: End hunger, achieve food security and improved nutrition and promote sustainable agriculture. 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Test Engineering and Management, 83(3590), 3590–3595.
ABSTRAKTujuan penelitian ini adalah untuk mengetahui pengaruh pembiayaan mudharabah terhadap perubahan ekonomi nasabahnya melalui empat aspek yaitu aset usaha, omzet usaha, pendapatan usaha, dan laba usaha. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Sumber dan jenis data diperoleh dari teknik wawancara, observasi dan dokumentasi kepada tujuh nasabah pembiayaan mudharabah, pihak pemerintah Desa Berbek, pihak BMT PUMA dan masyarakat sekitar. Data terkumpul kemudian dianalisis menggunakan teknik reduksi data dengan hasil penelitian yang disajikan dengan tabel, grafik, dan deskripsi. Hasil penelitian ini menyimpulkan bahwa UMKM mengalami perubahan ekonomi positif yakni mengalami peningkatan berupa aset usaha mencapai 90%, peningkatan omzet usaha mencapai 233,33%, peningkatan pendapatan usaha mencapai 233,33%, dan peningkatan laba usaha mencapai 150%. Namun masih ditemukan nasabah yang menggunakan sebagian dana pembiayaan untuk membayar hutang, membayar sekolah anak, dan kebutuhan lain. BMT PUMA memberikan kepercayaan penuh kepada nasabah tanpa melakukan pengawasan usaha. Saran yang relevan dengan hasil penelitian yaitu nasabah diharapkan lebih amanah dalam menggunakan dana pembiayaan mudharabah, selain itu BMT PUMA sebaiknya lebih tegas dalam mengawasi penggunaan dana pembiayaan mudharabah pada nasabah. Kata Kunci: BMT, UMKM, Mudharabah, Perubahan Ekonomi. ABSTRACTThis research is qualitative research that aims to know the influence of mudharabah financing on the economic changes of its costomers through four aspects, such as business assets, business turnover, business income, and business profit. The technique of data retrieval are interviews, observation, and documentation to seven mudharabah financing costomers, Berbek Government, BMT PUMA members, and local society. Data collected then analyzed by reduction data technique with the research result presented by tables, graphics, and description. The result of this study concludes that Small Micro Enterprises (SME's) experiencing positive economic changes that experienced an increase in the form of business assets reached 90%, increase in business turnover reached 233,33%, increase in business income reached 233,33%, and increase in business profit 150%. But there were still customers who used part of their financing funds for other needs. BMT PUMA gives full trust to customers without monitoring their business. Suggestions that are relevant to the research result is customers are expected to be more trustworthy in using mudharabah financing funds. Moreover, BMT PUMA should be more assertive in overseeing mudharabah financing funds on customers.Keywords: Baitul Maal Wattamwi, SME's, Mudharabah, Economic changes.DAFTAR PUSTAKAAdinugraha, H. H., Sartika, M., & Ulama'i, A. H. A. (2019). Halal lifestyle di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 5(2), 57-81. https://doi.org/10.21274/an.2019.6.1.57-81Ali, W., Muthaly, S., & Dada, M. (2018). Adoption of shariah compliant peer-to-business financing platforms by SMEs: A conceptual strategic framework for fintechs in Bahrain. International Journal of Innovative Technology and Exploring Engineering, 8(2S2), 2278-3075.Bronson, K., & Knezevic, I. (2019). The digital divide and how it matters for Canadian food system equity. Canadian Journal of Communication, 44(2), 63–68. https://doi.org/10.22230/cjc.2019v44n2a3489Dewi, L., Hanik, U., Awwaliah, H., & Yudha, A. T. R. C. (2021). Determinan harga dan potensi sampah sebagai sumber modal ekonomi di bank sampah syariah UINSA Surabaya. Nomicpedia: Journal of Economics and Business Innovation, 1(1), 14–26.Fatmawati, A., Yudha, A. T. R. C., & Syafaq, H. (2020). Kontrak kerja dan kesejahteraan ABK nelayan perspektif etika bisnis Islam di Sarangmerduro, Jawa Tengah. 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IQTISHADIA Jurnal Kajian Ekonomi Dan Bisnis Islam, 9(2), 227. https://doi.org/10.21043/iqtishadia.v9i2.1729Majid, R., & Agassi, B. A. (2017). HASBLE Card: Innovation on company funding using shari'ah venture capital toward halal industry in Indonesia. Journal of Islamic Finance, 6(Special Issue), 242–256. https://doi.org/10.12816/0047352Mardiyah, A., & Ryandono, M. N. H. (2016). Sistem tanggung renteng pada koperasi assakinal sebagai bentuk penerapan konsep ta'awun. 2(1), 79–94. https://doi.org/10.20473/vol7iss20202pp372-388Mohd Nawawi, M. S. A., Abu-Hussin, M. F., Faid, M. S., Pauzi, N., Man, S., & Mohd Sabri, N. (2019). The emergence of halal food industry in non-Muslim countries: A case study of Thailand. Journal of Islamic Marketing, 11(4), 917-931. https://doi.org/10.1108/JIMA-05-2018-0082Nusa, A. T. S., & Khoirudin, R. (2020). Analisis determinan PAD sub-sektor pariwisata di DIY tahun 2012-2017. 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Solution for Islamic banks exploitation: A criticism of fixed-yields based financing in Indonesia. Al-Uqud: Journal of Islamic Economics, 4(1), 48–68. https://doi.org/10.26740/al-uqud.v4n1.p48-68Sari, F. K., Safitri, N., & Anggraini, W. (2019). Persepsi, sikap dan minat pariwisata halal di daerah istimewa Yogyakarta. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 2(2), 137. https://doi.org/10.12928/ijiefb.v2i2.857Syamsuddin, S. (2019). Manajemen sumber daya manusia pada ikatan muballigh Sulawesi Tenggara (Imsultra). Al-Izzah: Jurnal Hasil-Hasil Penelitian, 14(1), 136-153. https://doi.org/10.31332/ai.v14i1.1294Umar, A., & Aliyu, S. (2019). Sukuk: A veritable tool for effective waqf fund management in Nigeria. Iqtishadia, 12(1), 1-11. https://doi.org/10.21043/iqtishadia.v12i1.4618Yudha, A. T. R. C., & Muizz, A. (2020). Optimalisasi potensi lahan pertanian untuk ketahanan pangan di Kecamatan Panceng, Gresik, Jawa Timur. Journals of Economics Development Issues (JEDI), 3(2), 297–308. https://doi.org/https://doi.org/10.33005/jedi.v3i2.55Yudha, A. T. R. C., Ryandono, M. N. H., Rijal, A., & Wijayanti, I. (2020). Financing model to develop local commodity business of East Java in Maqashid Syariah perspective. Test Engineering and Management, 83(3590), 3590–3595.Zustika, A. F., & Yudha, A. T. R. C. (2020). Peer to peer lending system in hifdul maal perspective: Evidence from the fintech company of Investree. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(8), 1585–1597. https://doi.org/10.20473/vol7iss20208pp1584-1597
ABSTRAKLingkungan hidup merupakan tempat tinggal semua makhluk hidup yang harus dijaga dan dilestarikan. Kurangnya kepedulian masyarakat dalam melestarikan alam dapat menyebabkan pencemaran lingkungan dan banyaknya sampah berserakan. Hadirnya bank sampah menjadi salah satu upaya guna mewujudkan lingkungan yang bersih, asri dan sehat. Dalam sistem operasionalnya, bank sampah menerapkan nilai-nilai pada maqashid syariah yang kemudian diwujudkan melalui green economy pada bank sampah. Tujuan dari studi ini adalah untuk menganalisa nilai maqashid syariah sekaligus green economy yang terkandung pada Bank Sampah Induk Surabaya. Penelitian ini menggunakan metode kualitatif deskriptif dengan strategi studi kasus guna memberikan gambaran detail terkait sistem operasional pada Bank Sampah Induk Surabaya. Hasil penelitian ini menunjukkan adanya penerapan nilai maqashid syariah pada sistem operasional Bank Sampah Induk Surabaya melalui ketetapan, pengadaan kegiatan, dan peraturan yang ditetapkan serta mewujudkan 10 prinsip pada konsep green economy yang sekaligus mendukung tiga program pada Sustainable Development Goals (SDGs). Bersesuaian dengan ulasan sebelumnya mulai dari tujuan, metode penelitian dan hasil maka saran yang relevan dengan studi adalah perlu perhatian khusus bagi pengelolaan Bank Sampah Induk Surabaya agar penerapan nilai maqashid syariahnya lebih dioptimalkan sehingga mampu memberikan manfaat lebih banyak bagi masyarakat selain aspek ekonomi.Kata Kunci: Bank Sampah, Maqashid Syariah, Green Economy, Sustainable Development Goals (SDGs). ABSTRACTThe living environment is a home for all living things that should be protected and preserved. Lack of environmental awareness can cause environmental pollution and waste problems. The presence of waste banks becomes an attempt to create a clean, beautiful, and healthy environment. In its operational system, waste banks apply the values of maqashid sharia that is called green economy. The purpose of this study was to analyze the values of maqashid sharia and green economy which were applied by the Central Waste Bank of Surabaya. This study used a descriptive qualitative method with a case study strategy to provide a detailed description of the operating system at the Central Waste Bank of Surabaya. The results showed that the application of maqashid sharia values in the Central Waste Bank of Surabaya was applied through stipulations, procurement activities, and established regulations as well as realizing 10 principles in the green economy program concepts which also supported three programs in the Sustainable Development Goals (SDGs). According to the findings of this study, the relevant suggestion is that the management of the Central Waste Bank of Surabaya requires special attention so that the application of maqashid sharia values can be optimal. The optimization of maqashid sharia values will benefit the community, not limited to the economic aspect.Keywords: Waste Bank, Maqashid Sharia, Green Economy, Sustainable Development Goals (SDGs).REFERENCESAlfarisyi, A. T., & Fauzi, R. M. Q. (2020). Peran pemberdayaan bank sampah dalam Islam (Studi kasus pada bank sampah induk Surabaya). Jurnal Ekonomi Syariah Teori dan Terapan, 6(3), 541. https://doi.org/10.20473/vol6iss20193pp541-554Antasari, D. W. (2020). Implementasi green economy terhadap pembangunan berkelanjutan di kota Kediri. Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo, 5(2), 80–88. https://doi.org/10.35906/jep01.v5i2.402Arifah, S. R., & Zaki, I. (2020). 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Halal industry has become a new commodity that is favoured by all countries around the world, including Indonesia. The main challenge of halal industry development is strengthening its position as a producer in the global halal industry market. This study aims to investigate the number of policy proposals relating to strengthening the productivity of the halal industry in Indonesia and then develop a model of synergy over this matter. This study uses a qualitative study approach, with literature review, observation and interview as data collection methods. The results obtained from this study include several things, specifically; the focus of economic development in Indonesia is fundamentally still focused on the processed industry, which incidentally is dominated by imported raw materials. Based on the results of the analysis of the discussion, the implications of these studies is providing input for authorities such as BPJH, MUI and related ministries to adjust the regulation that address the main business challenge of halal industry. Besides, the government should give special authority to state-owned and private sharia banks to finance the halal industries and agricultural to support their sustainable development.
This research aims to reveal the financial inclusion that occurs in zakat institutions within zakat distribution and empowerment program in Indonesia and Brunei Darussalam. This study will deliver zakat distribution and empowerment program held by zakat institutions in two countries and then analyze how have financial inclusion process happened to mustahiq in both institutions. The object of this research are the government zakat institution in two countries, namely Indonesia (BAZNAS) and Brunei Darussalam (BAKAZ). This study uses a qualitative method within multiple case strategy. Data collection in this study was carried out through in-depth interviews with several expert informants of BAZNAS and BAKAZ and also mustahiq of each institutions. This study shows that there is mustahiq financial inclusion process on empowerment program held by BAZNAS and BAKAZ by the distribution of zakat for consumption and production needs. Financial inclusion happened in zakat institutions are transferring zakat funds, financing mustahiq business within capital loan, and channeling to financial institutions, so that mustahiq can transform gradually to be bankable and have financial access to scale up their business
This research aims to reveal the financial inclusion that occurs in zakat institutions within zakat distribution and empowerment program in Indonesia and Brunei Darussalam. This study will deliver zakat distribution and empowerment program held by zakat institutions in two countries and then analyze how have financial inclusion process happened to mustahiq in both institutions. The object of this research are the government zakat institution in two countries, namely Indonesia (BAZNAS) and Brunei Darussalam (BAKAZ). This study uses a qualitative method within multiple case strategy. Data collection in this study was carried out through in-depth interviews with several expert informants of BAZNAS and BAKAZ and also mustahiq of each institutions. This study shows that there is mustahiq financial inclusion process on empowerment program held by BAZNAS and BAKAZ by the distribution of zakat for consumption and production needs. Financial inclusion happened in zakat institutions are transferring zakat funds, financing mustahiq business within capital loan, and channeling to financial institutions, so that mustahiq can transform gradually to be bankable and have financial access to scale up their business
