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WAKAF UANG: TINGKAT PEMAHAMAN MASYARAKAT DAN FAKTOR PENENTUNYA (Studi Masyarakat Muslim Kota Surabaya, Indonesia) Ekawaty, Marlina; Muda, Anggi Wahyu
IQTISHODUNA IQTISHODUNA (VOL 11, NO: 2.
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v11i2.3704

Abstract

The important role of waqf as a source of funds and low Muslim’s awareness on cash waqf collectionversus it potential cash waqf in Indonesia push this study. This study aims to determine the level ofunderstanding of the Muslim societies in Surabaya on cash waqf and the factors that influence it, eitherinternal or external factors. Descriptive statistics, Z test, and multiple regression analysis are used for primarydata collected by distributing questionnaires to the Muslim societies in Surabaya. The results show that themost Muslim do not understand cash waqf. The level of understanding is influenced by by internal andexternal factors. The internal factor is knowledge of religion and the external factor is access to informationmedia. To improve understanding of the Muslim societies about cash waqf needs to increase religiousknowledge and access to information media, either print or electronic media.
Analisis faktor eksternal yang dipertimbangkan masyarakat muslim pesisir Tuban untuk mengunakan layanan Bank Thithil Syaifudin, Ahmad; Ekawaty, Marlina
IQTISHODUNA IQTISHODUNA (VOL.15, No.1, 2019)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (816.362 KB) | DOI: 10.18860/iq.v1i1.5708

Abstract

Bank Thithil is an informal financial institution that offers high-interest loan services to the public. This study aims to determine the external factors considered by coastal Muslim society to use bank thithil financial services. The data were collected through survey with questionnaires and in-depth interviews with bank thithil customers at Bulu Meduro village, Tuban regency and analyzed by exploratory factor analysis methods. The results show that there are eight external factors that are considered by customers to use bank thithil services, namely: loan compensation and accessibility factors, customer parity and service, transaction time flexibility, ease of administration, brand image, location excellence, member advantage, and limited institutional coverage syariah finance. From the results of external factor analysis, then analyzed in depth using interviews with several customers, it was found that there were two factors that became a strong drawer for Muslim society to use bank thithil services, namely the prime service factor of bank thithil and barriers of syariah  financial institutions.
The Impact of Social Safety Net Programs on Poor Household Income Prayitno, Hengky S.H.; Santoso, Dwi Budi; Ekawaty, Marlina
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 11, No 2 (2018): September 2018
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v11i2.16049

Abstract

Indonesian government has established social safety net programs to reduce poverty and increase the productivity and income of poor households. Among other provinces in Indonesia, East Java has the highest poverty rate. Thus, this research aims to analyze the effectiveness of social safety net programs in reducing poverty rate in East Java. This research uses quantitative approach to measure the contribution of social safety net programs towards the income of poor households in East Java. This research employs equivalent simultaneous equation with three-stage least square (3SLS) method on secondary cross section data obtained from National Socio-Economic Survey (Susenas), March 2015. This research calculates and analyzes the impacts of social aid, social protection and labor market intervention programs towards the income of poor household income. The results show that social aid and labor market intervention programs have positive implication on the income of poor households. On the other hand, social security has no significant implication. Moreover, social security provides a safety net when a household faces unexpected situation such as redundancy, accident and death. Social security programs prevent poor households for being poorer.
AN ANALYSIS ON TRADERS’ INCOME AND ECONOMIC MOTIVATION TOWARD THEIR BEHAVIOR IN PAYING ZAKAT COMMERCIAL Novia, Nely; Noor, Iswan; Ekawaty, Marlina
Jurnal Ekonomi Pembangunan Vol 16, No 1 (2018): JURNAL EKONOMI PEMBANGUNAN
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (901.754 KB) | DOI: 10.22219/jep.v16i1.8213

Abstract

This study intends to determine and analyze the influence of economics factor: income (X1) as well as economic motivation (X2) towardMadurese traders? behavior in paying zakat commercial (Y). To analyze the data, multinomial logit (Mlogit) model was employed. The result of this study indicated, as simultaneously,income (X1)and economic motivation (X2) greatly influences Madurese traders? behavior in paying zakat commercial (Y). And partially, Madurese traders? behaviorin payingzakat commercial (Y) was affected by income(X1) and economic motivation (X2) as well. 
Mitigating Income Inequality in Bali Province, Indonesia Amrullah, Muhammad; Wahyudi, Setyo Tri; Ekawaty, Marlina
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 21, No 2 (2020): JEP 2020
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v21i2.10734

Abstract

Studying the distribution of income in a region is an important topic to know about the factors that influence the distribution of income, then find out the factors that are the solution to problems related to income distribution, and later can minimize differences in income distribution disparities between regions. This paper estimates the relationship between Unemployment, Labor Participation, Employed Workers, Elementary School Graduates, Junior High School Graduates, and Senior High School Graduates to Income Inequality in 9 districts/cities in Bali Province throughout 2008-2018. This study estimates the relationship of six independent variables to income inequality as the dependent variable using multiple panel regression analysis with the Fixed Effect Model (FEM) model in 9 districts/cities in Bali Province over period 2008-2018. The results of this study found that Unemployment, Labor Participation, Employed Workers, Elementary School Graduates, Junior High School Graduates, and Senior High School Graduates are significant to Income Inequality. Unemployment and Junior High School Graduates positively affect to Income Inequality, then Labor Participation, Employed Workers, Elementary School Graduates, and Senior High School Graduates negatively affect to Income Inequality.
AN ANALYSIS ON TRADERS’ INCOME AND ECONOMIC MOTIVATION TOWARD THEIR BEHAVIOR IN PAYING ZAKAT COMMERCIAL Nely Novia; Iswan Noor; Marlina Ekawaty
Jurnal Ekonomi Pembangunan Vol. 16 No. 1 (2018): JURNAL EKONOMI PEMBANGUNAN
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jep.v16i1.8213

Abstract

This study intends to determine and analyze the influence of economics factor: income (X1) as well as economic motivation (X2) towardMadurese traders’ behavior in paying zakat commercial (Y). To analyze the data, multinomial logit (Mlogit) model was employed. The result of this study indicated, as simultaneously,income (X1)and economic motivation (X2) greatly influences Madurese traders’ behavior in paying zakat commercial (Y). And partially, Madurese traders’ behaviorin payingzakat commercial (Y) was affected by income(X1) and economic motivation (X2) as well. 
ZAKAT PRODUKTIF DAN PERANNYA TERHADAP PERKEMBANGAN UMKM (Studi pada LAZ el-Zawa UIN Maulana Malik Ibrahim, Malang) Khairani Miftahul; Marlina Ekawaty
Jurnal Ilmiah Akuntansi & Bisnis Vol 2 No 1 (2017)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (88.346 KB) | DOI: 10.38043/jiab.v2i1.170

Abstract

This paper aims to know the distribution of zakat funds, both consumptive and productive, and the role of productive zakat to the development of micro-enterprise mustahik LAZ el-Zawa UIN Maliki, Malang. Descriptive and multiple regression analyzes were used against primary data collected by interviewing the LAZ board and distributing questionnaires to beneficiaries of zakat funds (mustahik) LAZ el-Zawa. The results show that the zakat fund collected is channeled for consumptive purposes in the form of scholarships, old-age charitable donations, and charity. While the form of channeling of funds for productive purposes is the provision of business capital loans with qardul hasan UMKM and mudharabah UMKM programs. In the meantime, this study found that the amount of productive zakah earned mustahik significantly influence the development of the mustahik business. Likewise, the variable length of business and gender, but the frequency attendance in coaching and age have an insignificant effect. LAZ el-Zawa needs to increase the amount of productive zakat distributed to mustahik so that the micro enterprise mustahik increase, so gradually they can switch the role is no longer as mustahik but muzakki, that is people who pay zakat. Thus productive zakat can reduce the number of poor people.Keywords: Medium, small and micro-enterprises; el-Zawa, Productive zakat
Faktor-Faktor Penentu Profitabilitas Bank Umum Syariah Di Indonesia (Studi Pada Tahun 2009-2013) An’im Kafabih; Marlina Ekawaty
Jurnal Ilmiah Mahasiswa FEB Vol 2, No 2: Semester Genap 2013/2014
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.837 KB)

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh dari variabel bank-specific,  yaitu,  asset size, likuiditas dan  operational efficiency  dan kondisi ekonomi, yaitu, inflasi dan gross domestic product terhadap profitabilitas Bank Umum Syariah (BUS) di Indonesia periode waktu 2009 – 2013. Penelitian ini menggunakan analisis regresi data panel  fixed effect model  untuk menguji hipotesis penelitian. Analisis empiris menunjukkan bahwa likuiditas dan  gross domestic product  berpengaruh positif terhadap profitabilitas BUS di Indonesia sedangkan  operational efficiency  dan inflasi berpengaruh negatif terhadap profitabilitas BUS di Indonesia. Penelitian ini juga menemukan bahwa kenaikan asset size tidak ikut menaikkan profitabilitas BUS. Hal ini karena persentase kenaikan aset BUS tidak diikuti persentase kenaikan profit BUS yang didapat. Kata Kunci : Profitabilitas BUS, Bank-specific, Makroekonomi. 
ANALISIS DETERMINASI PEMAHAMAN PEMILIHAN PERBANKAN OLEH MASYARAKAT PONDOK PESANTREN LIRBOYO KOTA KEDIRI JAWA TIMUR (Studi Kasus Pondok Pesantren Lirboyo Kota Kediri) Galuh Husadatama; Marlina Ekawaty
Jurnal Ilmiah Mahasiswa FEB Vol 4, No 1: Semester Ganjil 2015/2016
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (530.889 KB)

Abstract

Penelitian   ini   bertujuan   menganalisis   Determinasi Pemilihan Perbankan Oleh Masyarakat Pondok Pesantren Lirboyo di Kota Kediri Jawa Timur.  Periode  penelitian  dimulai  pada tahun 2014, pada masyarakat pondok pesantren yang menjadi sampel sebanyak 87 responden  dengan metode  purposive  sampling.  Teknik  analisis  data mengggunakan  analisis  logit regresi.  Hasil logit regresi menyebutkan  bahwa   akses media informasi (cetak, elektronik) terhadap pemilihan jenis bank mempunyai pengaruh negatif. Artinya semakin tinggi akses media informasi baik cetak maupun elektronik, maka peluang responden memilih perbankan syariah akan berkurang. Hasil penelitian tidak dapat membuktikan adanya pengaruh pemahaman terhadap bank syariah dengan pemilihan jenis responden. Hal ini karena walaupun responden memiliki pemahaman mengenai produk bank syariah dengan baik kepatuhan beragama tidak berpengaruh terhadap pemilihan jenis bank. Ponpes Lirboyo sendiri mengenai konsep bunga bank dapat dilihat dari pernyataan KH Idris Marzuki yang merupakan pengasuh Ponpes Lirboyo Kota Kediri, menjelaskan mengenai Fatwa MUI tentang bunga bank melalui Rabitha Maahidil Islamiyah (RMI) sudah mengeluarkan tiga opsi tentang bunga bank. Hasil penelitian pada usia terhadap pemilihan jenis bank dapat dikatakan semakin matang usia responden dan yang mengindikasikan semakin baiknya tingkat keagamaan responden akan mempengaruhi responden untuk memilih perbankan syariah. Hasil penelitian pada jarak tidak berpengaruh terhadap pemilihan jenis bank. Hal ini terjadi karena walaupun jarak suatu bank tersebut dekat dengan lokasi tempat tinggal masyarakat, namun jika tidak sesuai dengan keinginan  masyarakat  tersebut,  maka  mereka  tidak  akan  menggunakan bank  tersebut.  Hasil penelitian pada  pendidikan tidak berpengaruh terhadap pemilihan jenis  bank. Hal  ini  karena kebutuhan perbankan tidak dipengaruhi oleh pendidikan seseorang, namun lebih dipengaruhi oleh kebutuhan  masyarakat akan  jasa  perbankan tersebut.  Hasil  penelitian pada  rekan  kerja  akan memberikan pengaruh baik  secara  langsung maupun tidak  langsung kepada  rekan  bisnisnya. Pengaruh langsung  seperti  halnya  kemudahan dalam  bertransaksi,  sedangkan pengaruh  tidak langsung tercermin dari tindakan rekan kerja.  Kata    kunci: Determinasi, Perbankan,  Akses  Media  Informasi,    Pemahaman Bank  Syariah, Kepatuhan Beragama, Usia, Jarak Perbankan, Pendidikan, Perbankan Rekan Kerja  
Pengaruh Faktor Internal & Faktor Eksternal Terhadap Pemahaman Masyarakat Muslim Kota Surabaya Pada Wakaf Uang Anggi Wahyu Muda; Marlina Ekawaty
Jurnal Ilmiah Mahasiswa FEB Vol 3, No 2: Semester Genap 2014/2015
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (585.101 KB)

Abstract

Besarnya  peran  wakaf  sebagai  sumber  dana  ummat  Islam  pada  masa  lalu  dan  rendahnya realisasi wakaf uang yang berhasil dihimpun BWI berbanding potensinya di Indonesia mendorong dilakukannya penelitian ini. Penelitian ini bertujuan untuk mengetahui pemahaman masyarakat Muslim kota Surabaya terhadap wakaf uang serta pengaruh faktor internal dan faktor eksternal terhadap pemahaman tersebut. Dengan menggunakan analisis regresi berganda, hasil penelitian menunjukkan bahwa mayoritas masyarakat Muslim kota Surabaya tidak faham terhadap wakaf uang. Faktor internal yang berpengaruh terhadap pemahaman masyarakat Muslim kota Surabaya pada wakaf uang adalah variabel pengetahuan agama, sedangkan faktor eksternalnya adalah akses media informasi.   Kata kunci: Pemahaman Masyarakat, Faktor Internal, Faktor Ekstenal, Wakaf Uang