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All Journal Ekonomi-Qu (Jurnal Penelitian Ilmu Ekonomi) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Ihtifaz: Journal of Islamic Economics, Finance, and Banking International Journal of Islamic Business and Economics (IJIBEC) Jurnal Ilmiah Manajemen dan Bisnis International Journal of Zakat (IJAZ) Journal of Islamic Economics Perspectives Cakrawala: Jurnal Studi Islam Keizai Al-Tijary : Jurnal Ekonomi dan Bisnis Islam International Journal of Islamic Business and Economics IIJSE

Sri Maulida

Universitas Lambung Mangkurat

Author-ID : 3603132

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 16 Documents Claim Missing Document

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Peluang dan Tantangan Pengembangan Usaha Mikro Kecil Menengah (UMKM) Dari Berbagai Aspek Ekonomi Maulida Sri; Yunani Ahmad
Jurnal Ilmiah Manajemen & Bisnis Vol 2 No 1 (2017): Jurnal Ilmiah Manajemen dan Bisnis
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (185.856 KB)

This research aims to discuss the opportunities and challenges of the sharia financial aspects and digital marketing as a driving force for the development of Micro Small Medium Enterprises (MSMEs). This research uses descriptive explorative approach and developed by using literature review approach or literature study. The theory or conceptual approach is done by referring from several sources, such as books, scientific journals, and the internet. All existing ideas are combined in a single frame of thought. The results show that the development of digital technology and the shari’a finance is increasing rapidly, in addition to being a challenge for the business world has also become a great opportunities and potential for economic and business improvement. Businesses must be able to follow the changing trend by utilizing information technology to drive business activities and increase competitiveness. Businesses must be able to create change and new innovations in the company that are able to create opportunities and new markets by utilizing information technology and the development of digital convergence in the community. On the other hand, MSMEs can be encouraged by some policies either from the government or the business peoples of MSMEs by utilizing the traditional community structure and Shari'ah Micro Finance Institution (BMT), product design and innovation, strengthening human resources, Policy on MSMEs Products, Exhibition and Maximizing the Role of Women and maximize the implementation of MSMEs policies. Keywords: MSMEs, Shari’a Financial Institution, Digitial Marketing

Masalah dan Solusi Model Pengembangan Pembiayaan Pertanian dari Aspek Keuangan Syari’ah Sri Maulida; Ahmad Yunani
Cakrawala: Jurnal Studi Islam Vol 12 No 2 (2017)
Publisher : Universitas Muhammadiyah Magelang

This study aims to discuss the problems and solutions in terms of sharia financial aspects of the development of agricultural financing. This study used multiple linear regression analysis with ordinary least square method (OLS) combined with a descriptive explorative approach and developed by using literature review approach or literature study. The theory or conceptual approach is done by referring from several sources, such as books, scientific journals, and the internet. All existing idea descriptions are combined into a single frame of thought. The results showed that the variable of problem financing in agriculture sector had a significant negative effect on the profitability of sharia banking, therefore the application of financing concept for farmers through Sharia Finance Cooperative or Baitul Maal bi Tamwil (BMT) using Bai 'Salam".

Analisis C3 Framework Kitab Parukunan Melayu Besar Bab Haji Karya Haji Abdurrasyid Banjar Sri Maulida; Sukarni Sukarni; Muhammad Hanafiah
Cakrawala: Jurnal Studi Islam Vol 14 No 2 (2019)
Publisher : Universitas Muhammadiyah Magelang

The Book of Parukunan is a book that is very popular among Malay people. The study is aimed to find out the writing setting of the jurisprudence book of Parukunan Melayu Besar, Hajj chapter by Haji Abdurrasyud Banjar. The author will discuss the Historical setting using the College, Career, and Civic Life (C3) Framework with a qualitative descriptive approach. The results showed that in the year of writing the Book, the Industrial Revolution was taking place where there were massive changes in agriculture, manufacturing, mining, transportation, and technology and had a profound impact on social, economic, and cultural conditions. The existence of agrarian reforms that resulted in private investment flowing into the Dutch East Indies making trade easier. Furthermore, there are developments in the export-import market so that many ships come to Banjarmasin making it easier for pilgrimage journeys. Other than that, the number of office and warehouse developments indicate an improved economic condition so that people who are economically capable can make the pilgrimage easily

Demographics Differences in the Microfinance Clients' Perception Towards Islamic Microfinance: The Case Of Nigeria Abdullateef Abdulqadir Maikabara; Abdulmajeed M.R Aderemi; Sri Maulida
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 5, No 2 (2020): December 2020
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v5i2.2260

This paper investigates the different perceptions of microfinance clients' demographic characteristics towards Islamic microfinance. The convenience sampling technique was adopted to select the study sample to collect data from the microfinance clients' beneficiaries in Kwara state. Four hundred data were obtained and analyzed on SPSS Version 25 using descriptive analysis, independent sample t-test, and one-way ANOVA. The findings indicate a statistically significant difference in the microfinance beneficiaries' perception of their demographic region, age, marital status, religion, and education level.

The Effect Of Debt-Based Financing And Equity-Based Financing On Islamic Banks Profitability In Indonesia Rofiul Wahyudi; Aulia Arifatu Diniyya; Julia Noermawati Eka Satyarini; Luâ€™liyatul Mutmainah; Sri Maulida
International Journal of Islamic Business and Economics (IJIBEC) Vol. 4 No. 2 (2020): IJIBEC VOL. 4 NO. 2 DECEMBER 2020
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i2.2771

This study's main objective is to investigate equity-based financing and debt-based financing of the profitability of Islamic banking in Indonesia. This research is expected to contribute to the theoretical and practical dimensions. On the conceptual aspect, this study can provide evidence of whether equity-based financing and debt-based financing affect the profitability of Islamic banking. While on the practical dimension, Islamic banks in Indonesia can determine the extent of their profitability and, in turn, the competitiveness of Islamic banks to enable it to be developed in line or even better than conventional banks. The data analysis technique uses panel data regression, which is time series data and cross-section. Next, to estimate the panel data model, which is divided into three, namely: common effect, fixed effect, and random effect. The result of this study that partially equity-based financing does not affect ROE. At the same time, debt-based financing influences the ROE of Islamic banks. Partially equity-based financing and debt-based financing do not affect ROA of Islamic banks. However, it simultaneously shows that the independent variable test results, namely equity-based financing and debt-based financing, have a strong influence on the dependent variable, namely, profitability as measured by ROA and ROE.

Prospects and Challenges of Crowdfunding as an Alternative Funding Option in Nigeria Abdulmajeed M.R. Aderemi; Sri Maulida; Abdullateef Abdulqadir Maikabara
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2021): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v12i1.17-31

This study aims to review the concept, prospects, and challenges of crowdfunding in Nigeria. Furthermore, it adopts a library-based concept in which secondary sources are relied on data collection using descriptive and deductive approaches of analysis. The results showed that Nigeria has the potential of becoming the hub center of crowdfunding in Africa. However, various challenges are facing the growth of this platform as a means of ﬁnancing. These include the issues of regulation, lack of adequate awareness, as well as fraud and corruption. Furthermore, this study recommends the need for adequate awareness about crowdfunding and the regulation to ensure its functionality. It also oﬀers additional literature as a means of ﬁnancing, especially from the Nigerian context.

Problems and solutions in zakat digitalization: Evidence from South Kalimantan, Indonesia Sri Maulida; Fahmi Al Amruzi; Budi Rahmat Hakim; Irfan Syauqi Beik
Jurnal Ekonomi & Keuangan Islam Volume 8 No. 1, January 2022
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol8.iss1.art7

Purpose – This study aims (i) to analyze the readiness of zakat management institutions in zakat digitalization and (ii) to analyze the problems and solutions in managing zakat funds through digital platforms.Methodology – The study used two methods, called the interview and the Delphi-ANP methods. The data used in this study were the results of interviews with zakat managers (OPZ) in South Kalimantan (BAZNAS and LAZNAS). Besides practitioners, it also involved experts from various universities in South Kalimantan.Findings – The results showed that most zakat institutions in South Kalimantan, Most zakat institutions have a good understanding and readiness to shift to digital platforms. Based on the analysis of problems and solutions in using digital platforms in zakat management, the study found alternative priority problems and solutions for zakat institutions. The problems and solutions covered human resources, IT, institution management and socialization and communication, muzakki, society, government and digitization. In particular, the main cluster of priority problems was management, and the main cluster of priority solutions included human resources.Originality – The researchers reviewed several studies that explained problems and theories of zakat management through digital platforms. However, there is still seemingly no study reviewing problems to manage zakat funds through digital platforms provided by zakat institutions.Practical implications – This research shows that OPZ needs to recruit IT and Digital Marketing people. In addition, it suggests OPZ designs and creates crowdfunding, e-wallet, e-commerce, website, and social media. Following that, OPZ should do digital planning for zakat collection and training conducted by BAZNAS Province and Center to OPZ periodically. They also need to establish a partnership with scholars (Ulama) and the government agencies to increase the payment zakat digitally.

Investigating the Viability of the Charity Based Model of Islamic Microfinance for Eradicating the Impact of Covid-19 on Social Wellbeing in Nigeria: A Discriptive Analysis Abdullateef Abdulqadir Maikabara; Abdulmajeed M.R. Aderemi; Sri Maulida
Journal of Islamic Economics Perspectives Vol 2 No 1 (2020): September (2020) Journal of Islamic Economics Perspectives
Publisher : Faculty of Economics and Islamic Business, IAIN Jember, Indonesia

The coronavirus known as (Covid-19) pandemic has posed a significant impact on social and economic sectors as many institutions and individuals face difficulties in meeting their needs. Over the years, Islamic microfinance has shown positively significant effects on socio-economic development. Recently, it is gaining strong momentum in the financial ground in Nigeria. The research aims to examine the perception of Islamic microfinance on social wellbeing as a relief measure to eradicate the impact of Covid-19. A total of 100 respondents were involved, and descriptive statistical analysis was used to measure the perception. The findings revealed that the charity-based model is viable for relieving the people' social wellbeing. The paper recommended proactive and constructive measures in implementing the model to generate fund for fighting against the outbreak and ensure social stability.

Debt-Based Versus Equity-Based Financing: A Comparative Analysis on Efficiency of Islamic Financial System Abdullateef Abdulqadir Maikabara; Sri Maulida; Abdulmajeed M Aderemi
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 4 No. 1 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i1.3171

Introduction to The Problem: The financial system, as a subset of economics, plays a prominent role in solidifying the socio-economic development and wellbeing of people of a society. However, debt-based and equity-based financing are the main models employed by Islamic financial institutions to help small and medium enterprises (SMEs) that need funding to facilitate their businesses' projects. Operationally, debt-based financing seems to be the prominent financing model than equity-based financing, which only accounts for either zero or small scale in Islamic financial institutions.Objective Study: This study explores the rightful financing model that can contribute much better to the efficiency of the Islamic financial system in achieving socio-economic development.Methodology: To achieve the study's purpose, a literature-based method and secondary data collection technique are adopted as related previous studies from articles, books, conferences, and working papers are reviewed and analyzed.Findings: Equity-based model as a partnership model is somewhat more productive in contributing to socio-economic development than debt-based financing, but not being widely applied due to specific issues such as high risk, agency problem, costumerâ€™s awareness, and sensitivity, and others more. It is recommended that researchers empirically investigate the suitable financing model between debt-based and equity-based financing models to ensure the achievement of sustainable socio-economic development.

The Implementation of Indeks Desa Zakat (IDZ) for Priority Areas of the Zakat Community Development (ZCD) Program for the Empowerment of Productive Mustahiq in South Kalimantan Sri Maulida; Rizali .; Akhsanul Rahmatullah
International Journal of Zakat Vol 3 No 3 (2018)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

A number of different parties, from both the governmental and private sectors, have attempted various means of overcoming poverty, such as through a zakat institution. As an official zakat institution, BAZNAS has established the Zakat Community Development (ZCD) program. The ZCD program seeks to empower communities by targeting the mustahiq living in underdeveloped villages in terms of prosperity, facilities, and infrastructure. The program has the objective of enabling the members of mustahiq communities to help each other manage the funds provided by BAZNAS, so that their prosperity can be increased. Related to this program, BAZNAS has developed a measurement tool called the Indeks Desa Zakat, or IDZ, which emphasizes Islamic elements, such as those relating to religion, as its very important aspects, in addition to the economic, social, health, and education aspects. This research aims to answer questions regarding the overall condition of villages targeted for the ZCD program by central BAZNAS, in addition to identifying underdeveloped villages to prioritize for assistance. The results demonstrate that from the implementation of Indeks Desa Zakat (IDZ) calculations in the priority areas of the ZCD program, it can be concluded that among the three research locations, RT 34 Beruntung Jaya Village is the village that should be most highly prioritized for a ZCD program, with an index value of 0.48. This value places the village in the good category based on the IDZ score range; therefore, it can be considered for assistance.

Co-Authors Abdullateef Abdulqadir Maikabara Abdullateef Abdulqadir Maikabara Abdullateef Abdulqadir Maikabara Abdulmajeed M Aderemi Abdulmajeed M.R Aderemi Abdulmajeed M.R. Aderemi Abdulmajeed M.R. Aderemi Ahmad Yunani Ahmadi Hasan Akhsanul Rahmatullah Aulia Arifatu Diniyya Budi Rahmat Hakim Fahmi Al Amruzi Ghalib Ghalib Irfan Syauqi Beik Julia Noermawati Eka Satyarini Luâ€™liyatul Mutmainah Masyitah Umar Muhammad Hanafiah Rizali . Rofiul Wahyudi Satriya Putra Pratama Sukarni Sukarni

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