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All Journal Jurnal Ekonomi & Keuangan Islam EconBank : Journal Economics and Banking International Journal of Zakat (IJAZ) JES (Jurnal Ekonomi Syariah Diponegoro Journal of Islamic Economics and Business
Arif Pujiyono
Fakultas Ekonomi Dan Bisnis Universitas Diponegoro
Religion Economics, Econometrics & Finance Social Sciences

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Analisis Model Indeks Zakat Nasional Untuk Menilai Kinerja Zakat (Studi Kasus Baznas Kabupaten Solok Sumatera Barat Tahun 2020) Annisa Maulidia Alfian; Arif Pujiyono; Alfian Alfian
JES (Jurnal Ekonomi Syariah) Vol 7, No 1 (2022): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (363.776 KB) | DOI: 10.30736/jesa.v7i1.232

Abstract

This research aims at measuring BAZNAS Solok Regency performance in order to evaluate and improve performance in managing zakat. The potential of Zakat in Solok Regency is very large, but the process of collecting zakat carried out by BAZNAS Solok Regency has not been maximized. This problem is because of the low-level of public trust in distributing zakat to institutions. The public trust will increase if the institution performs the reliable and credible performance. Data collection methods is accomplished through interviews and questionnaires. The analysis method uses the National Zakat Index (NZI) and Instrument Test which includes validity test, reliability test and paired test. The results of the BAZNAS Solok Regency research from the macro dimension are quite good with an index value of 0.50, as there is no APBD support from Solok Regency government and the zakat institution database is not completed yet. From the micro dimension, the performance assessment of BAZNAS Solok Regency is good with an index value of 0.61, as well as the value of institutional indicators including collection, management, delivery and reporting that turns out well. Yet, the impact of the zakat given needs such further reevaluation, because BAZNAS Solok Regency has not carried out guidance, monitoring and evaluation on the material side and spiritual mustahik.
MODEL PEMBERDAYAAN PEREMPUAN MISKIN MELALUI PROGRAM KEUANGAN MIKRO SYARIAH BERBASIS MASYARAKAT (PROGRAM MISYKAT DPU-DT) Arif Pujiyono
Jurnal Ekonomi & Keuangan Islam Volume 1 No. 1, Januari 2011
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol1.iss1.art2

Abstract

Poverty is a problem that caused the failure of economic systems. Women have great potential in helping to overcome poverty. Indonesia has great potential to optimize the social fund an independent source of Zakat, and alms infak (ZIS) through empowerment of the poor. This research is to analyze financial assistance to community-based micro-sharia (Misykat) DPU-DT in Central Java. The results showed that the program can improve that Misykat welfare poor women. Wilcoxon different test results Misykat program can increase consumption, income, profits and savings of poor women beneficiaries Misykat. Additionally, the program Misykat increasing empowerment of poor women, shoft their skill level increases based on the size of confidence, business skills, business success and the science of religion. 
Analisis Determinan Pendapatan Pedagang Pasar Banjarsari Kota Pekalongan Pasca Kebakaran Nur Elitami Insan; Arif Pujiyono
ECONBANK: Journal of Economics and Banking Vol 2 No 1 (2020): April
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v2i1.198

Abstract

The income of traders in the Banjarsari Emergency Market Pekalongan is influenced by various factors, one of which is the trader resources (capital, working hours, business length, education, and business location). This study aims to determine the effect of capital, working hours, business length, education, and business location on the income of traders in the Banjarsari Emergency Market in Pekalongan. There as 95 traders of Banjarsari Emergency Market in Pekalongan were taken as samples with purposive sampling and accidental sampling. This study uses multiple linear regression analysis tools with the Ordinary Least Square (OLS) method. The results showed that capital, length of business, and location of business affect the income of traders. While working hours and education have not affect the income of trader. Capital provides the most dominant influence on income trader
The Priority Problems and Solutions in Formulating Strategies to Optimize Zakat Collection in Indonesia Mochammad Ardani; Arif Pujiyono
International Journal of Zakat Vol 6 No 3 (2021): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v6i3.290

Abstract

Zakat is giving part of the assets that are owned by a certain amount (nishab) at a certain time (haul) and giving it to a certain group (mustahik). The potential for zakat in Indonesia is very high, considering that the majority of Indonesia's population is Muslim. The potential for zakat collection in Indonesia is recorded at IDR 217 trillion, but zakat collection is still far from optimal. The amount of zakat funds that can be collected is only 10.22 trillion rupiah, which means 4.71% of the calculated potential. This research aims to determine priority problems, solutions, and formulating the strategies in optimizing zakat collection. The method used is the Analytical Network Process (ANP), which is a data analysis technique to formulate factor priorities and determine strategies based on several key informant perspectives with in-depth interview technique. This study took key informants from the Ministry of Religion, Badan Amil Zakat (BAZ), Lembaga Amil Zakat (LAZ), representatives of the Masyarakat Ekonomi Syariah (MES), and academics from MUI in achieving the research objectives. The results of the study explained that the priority problems in collecting zakat are low reporting, governance of zakat institutions, low of public awareness, and low of human resources. Priority solutions in collecting zakat are the provision of sharia audits, the establishment of SOPs for collecting zakat, zakat education, and establishing partners with social and humanitarian institutions. Strategies that can be implemented in optimizing zakat collection are tightening supervision for zakat institutions and increasing public’s trust toward amil zakat institutions.
PERILAKU KONSUMSI SWIKE KODOK PADA MASYARAKAT MUSLIM DI KABUPATEN GROBOGAN Safira Widayanti; Arif Pujiyono
Diponegoro Journal of Islamic Economics and Business Vol 1, No 2 (2021): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (808.493 KB)

Abstract

Consumption Behavior of Swike Kodok in Muslim Communities in Grobogan District. Every muslim should understand about Islamic laws. One of them is Islamic dietary law about halal (permissible) or haram (forbidden) food of swike kodok. Although swike kodok is haram food, some Muslims prefer to continue consuming it. This study aims to determine the reasons of several Muslims who continue consuming swike kodok. This study uses the phenomenological method with the Interpretative Phenomenological Analysis (IPA) approach. The Interpretative Phenomenological Analysis (IPA) approach is used in research to find out the meaningful and different experiences on every Muslim consumer of swike kodok. This method uses in-depth interview techniques and analyzed as stages in the phenomenological method guidelines with the Interpretative Phenomenological Analysis (IPA) approach. Participants in this study were 5 Muslim consumers of swike kodok. They are native inhabitants of Grobogan district that also swike kodok stalls consumers, in Purwodadi sub-district. The results obtained from this study there are 4 main themes and at once reveal the background of the phenomenon why Muslims still consuming swike kodok. Among them are social environment, addictive behavior of consuming swike kodok, the satisfaction of consuming swike kodok, and self- belief.
DETERMINAN PROFITABILIAS PT. BANK PANIN DUBAI SYARIAH TBK PERIODE 2013-2017 MENGGUNAKAN METODE ARDL-ECM Donny Eka Saputra; Arif Pujiyono
Diponegoro Journal of Islamic Economics and Business Vol 1, No 2 (2021): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (989.773 KB)

Abstract

Profitability is an important tool to improve Islamic bank performance, evaluating their operations, determining management policy, making strategy to help the Islamic banks survive in competitive market, and improving living standard of people. In 2017, PT Bank Panin Dubai Syariah Tbk becomes the most losses Islamic bank among the other 14 Islamic bank in Indonesia. This study aims to examine the influence of bank specific and macroeconomy factors that contributed toward the profitability of PT. Panin Dubai Bank Syariah. Tbk over the period 2013- 2017. This study used the Autoregressive Distributed Lag – Error Correction Model (ARDL-ECM) consisting of a stationary test, optimal lag selection, cointegration test, diagnostic test, and stabilization test. Data used in this study are monthly time series data with 60 observations obtained from Otoritas Jasa Keuangan and Badan Pusat Statistik over the period 2013-2017. Bank specific variable are FDR and DPK, while macroeconomic variable are BI Rate, inflation, and exchange rates. Based on optimal lag selection, ARDL (1,0,1,0,0,0) model is generated. The ARDL-ECM estimation results showed that FDR, BIR, and KURS affect profitability in both short and long run. DPK affect profitability only in short run, while inflation does not affect profitability in both short run and long run. The speed of adjustment is 85% per period. The implication of this result is PT. Panin Dubai Bank Syariah Tbk needs to raise CASA to minimalize the operating costs and must able to managed well bad financing through inter-bank, central bank and securities placements.
Co-Authors Alfian Alfian Annisa Maulidia Alfian Donny Eka Saputra Mochammad Ardani Nur Elitami Insan Safira Widayanti