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Model Kelembagaan Nazhir Dalam Pengelolaan Wakaf Produktif Di Indonesia Safitri, Anggraeni Wenny; Hasan, Asyari; Oktaviany, Mega
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.17030

Abstract

This study aims to identify the factors inhibiting the management of productive waqf in Indonesia and the strategic priorities that can be offered with the Analytic Network Process (ANP) approach. Respondents consist of the Indonesian Waqf Board (BWI), academics and practitioners who are involved in the world of productive waqf. The results of this study indicate that the problems that arise in the management of productive waqf in Indonesia consist of 4 important aspects, namely: 1) human resource problems; 2) information and technology issues; 3) sharia issues and 4) regulatory issues. The strategic priorities for developing productive waqf are 1) strengthening information systems and waqf technology; 2) aspects of strengthening governance (good Nazhir governance), 3) aspects of the formation of educational institutions, socialization and education of waqf, 4) aspects of regulatory support from the Government. The results of this study can complement the management of existing productive waqf, the application of strategic priorities can encourage better collection and distribution of productive waqf.
DAMPAK PENERAPAN BAD MONEY DALAM PEREKONOMIAN DAN SEKTOR RIIL; IBNU TAIMIYAH PERSPEKTIF Hilman Fauzi Nugraha; Mega Oktaviany
J-ESA (Jurnal Ekonomi Syariah) Vol 1 No 1 (2018): Juni
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (849.925 KB)

Abstract

Munculnya permasalahan-permasalahan dalam perekonomian, tidak mungkin jika tanpa ada sebab yang mengawalinya. Krisis dan spekulasi merupakan bagian dari permasalahan yang sedang dihadapi masyarakat. Permasalahan tersebut tidak terlepas dari efek penerapan fiat money (bad money). Ibnu Taimiyah seorang ilmuwan muslim yang membahas tentang bad money dan good money, yang mana pemikirannya tersebut disinyalir kembali oleh Sir Thomas Gresham, yang menyatakan bahwa “bad money drives out good money in circulation” yang kemudian dikenal dengan Gresham law.Makalah ini mencoba membahas tentang solusi dari dampak yang ditimbulkan atas pemakaian bad money. Dengan melihat kebobrokan dan kelemahan bad money kemudian mengkomparasikannya dengan kelebihan-kelebihan uang emas (good money), menyatakan bahwa emas (good money) merupakan solusi atas masalah-masalah yang ditimbulkan dari penerapan bad money.
Sustainable Development Goals (SDGs) Melalui Pembiayaan Produktif UMKM di Bank Syariah Trimulato Trimulato; Nur Syamsu; Mega Octaviany
Islamic Review: Jurnal Riset dan Kajian Keislaman Vol 10 No 1 (2021): April 2021
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) IPMAFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/islamicreview.v10i1.269

Abstract

Hadirnya undang-undang nomor 21 tahun 2008 mengantarkan bank syariah menjadi lebih berkembang, dan diterima kalangan luas. Saat ini pangsa pasar bank syariah telah menembus angka 5,8 persen. Bank syariah memiliki produk pembiayaan untuk perkembangan usaha kecil mikro dan menengah. Penyaluran pembiayaan di bank syariah masih didominasi pembiayaan konsumtif yaitu sebesar 42,80 persen. Penelitian ini bersifat kualitatif yang menguraikan tentang perkembangan pembiayaan produktif bank syariah untuk UMKM dan peran pembiayaan untuk mencapai sustainable development goals (SDGs). Adapun hasil dari penelitian ini menunjukkan adanya penurunan pada pembiayaan produktif modal kerja sebesar 0,75 persen. Kemudian porsi pembiayaan untuk UMKM masih didominasi oleh konsumtif yaitu sebesar 69,14 persen atau sebesar 139.408.000.000. Penyaluran pembiayaan produktif pada sektor UMKM sangat relevan dan sejalan dengan tujuan SDGs yaitu kesejahteraan dan pemerataan.
Implementasi Akad Mudharabah dan Musyarakah pada Teknologi Finansial Syariah dengan Pendekatan Kemaslahatan Suhardi Kamaruddin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol. 6 No. 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i1.22075

Abstract

This study uses a combination of literature and field research with qualitative methods carried out by descriptive analysis. Data collection methods include interviews, observations, and documentation which are then analyzed through several stages: data reduction, data presentation, and conclusion drawing. The results of the study revealed that: (1) Mudharabah contract financing conducted by Sharia Fintech Ammana in accordance with the basic concept of mudharabah transactions, as stipulated in the DSN-MUI fatwa No. 117/DSN-MUI/II/2018, then the Financing Musyarakah contract run by Ammana Fintech Syariah is in line with the basic concept of the Musyarakah transaction as the provisions of the DSN fatwa No.117/DSN-MUI/II/2018. From the analysis of the implementation of the mudharabah and musyarakah contracts, it is very relevant to the principles of Islamic economics. (2) The concept of maslahah in mudharabah and musyarakah contracts in improving the community's economy, SMEs the provide a very solution. and includes elements of mashlahah such as guarding religion, guarding the soul, guarding reason, guarding property, and guarding offspring. The results of the analysis obtained in terms of customer financing at Ammana Fintek Syariah obtain business development for SMEs.
Urf In The Charity Culture Perspective In Bima Mega Oktaviany; Nadhirah Nordin; Rahimah Embong
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 2 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i2.33730

Abstract

The alms culture is an important phenomenon in improving the economic order in people's lives. Because, theoretically talking about almsgiving, will broaden the meaning because it has a law that is permissible, what is done is rewarded and what is not done has no impact whatsoever. However, when it is made into a culture, it will have a big impact, not only for individuals, but also for the whole society. The purpose of this study is to look at the practice of alms that is cultivated using the lens of Islamic law, namely 'urf. This type of research is descriptive qualitative, that is, apart from interviewing informants in the field, also from historical documents of the Bima kingdom. The result of this research is that there are four forms of almsgiving practices in Bima, namely sadaqa tara ne'e, alms tola bala, alms kaneo arujiki (facilitating sustenance), and alms ntadi rontedi (agricultural business). The practice of helping and mutual cooperation in Bima is a culture of alms including to 'urf which is valid and the law is permissible, because it fulfills the terms and conditions of 'urf.
Peran Budaya Teka Ra Ne'e dalam Mengentaskan Kemiskinan di Bima, NTB Mega Oktaviany; Nadhirah Nordin; Rahimah Embong
Al-Azhar Journal of Islamic Economics VOLUME 5 NOMOR 1, JANUARI 2023
Publisher : Sekolah Tinggi Agama Islam (STAI) Al-Azhar Gowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37146/ajie.v5i1.205

Abstract

Poverty is a very complex problem for every nation and must immediately get the right solution. Indonesia is a developing country and has a large population, of course it cannot avoid this problem. This is proven by the number of poor people who are increasing every year, even the majority live in rural areas which are difficult to access. Bima is an area located on the island of Sumbawa, West Nusa Tenggara, which is far from urban areas. According to Presidential Decree No. 131 of 2015-2019, when viewed from the data, Bima is an underdeveloped area in terms of human resources and monthly wages that fall into the poor category, as well as infrastructure and others. Even though Bima has very rich cultural and natural resources, as well as human resources that are full of creativity. Therefore this study wants to identify the role of the culture of taka ra ne'e in alleviating poverty in Bima. This study uses a qualitative descriptive methodology with a social phenomenological approach. Subsequent data collection was through observation and unstructured open interviews, then the data was processed with thematic analysis to draw conclusions. Finally, for the validity of the data, the researcher sent back the data according to the research to the informant for a correct data. The results of the study show that the culture of taka ra ne'e is a temporary practice of giving (alms) to the economic life of the Bima community. The culture continues to grow and develop which can be classified into two forms: first from a normative approach and second from socio phenomenology. In addition to cultural practices in Bima using the analysis framework of the charity strategy, this study reveals the intervention of the giving movement in increasing welfare and alleviating poverty in the Bima community through the culture of taka ra ne'e
Peran Fossei dalam Pengembangan Ekonomi Islam Di Provinsi Sulawesi Selatan Nasrullah Nasrullah; Mega Oktaviany; Nurul Azizah Azzochrah
Maqrizi: Journal of Economics and Islamic Economics Vol 2 No 2 (2022): MAQRIZI: JOURNAL OF ECONOMICS AND ISLAMIC ECONOMICS
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (367.704 KB) | DOI: 10.30984/maqrizi.v2i2.422

Abstract

Forum Silaturahim Studi Ekonomi Islam (FoSSEI) Sulawesi Selatan merupakan organisasi kemahasiswaan yang fokus di bidang ekonomi Islam. Organisasi ini mewadahi beberapa kelompok studi ekonomi Islam yang berada di Sulawesi Selatan. Sebagai organisasi kemahasiswaan tentu memiliki sifat ilmiah dimana tidak terlepas dari pengembangan keilmuan mahasiswa. Kedudukannya sebagai organisasi ekonomi Islam memiliki peran di bidang ekonomi Islam. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana peran FoSSEI Sulawesi Selatan dalam pengembangan ekonomi Islam di Provinsi Sulawesi Selatan. Dari program-program atau kegiatan yang dilaksanakan apakah memiliki peran dalam pengembangan ekonomi Islam di Provinsi Sulawesi Selatan. Jenis penelitian ini adalah kualitatif deskriptif, yang dikumpulkan melalui wawancara, observasi, dokumentasi dan pustaka yang mendukung secara abash riset tersebut. Selanjutnya data diolah dengan mereduksi data lalu ditarik kesimpulan, sementara untuk keabsahan data menggunakan triangulasi data. Hasil penelitian ini menunjukkan bahwa FoSSEI memiliki peran dalam pengembangan ekonomi Islam di Provinsi Sulawesi Selatan. FoSSEI Sulawesi Selatan berperan sebagai organisasi pengembangan keilmuan khususnya dibidang ekonomi Islam pada tingkat mahasiswa. Namun pengembangan keilmuan yang dilakukan belum maksimal karena belum berdampak besar bagi mahasiswa diluar KSEI. Kemudian FoSSEI Sulawesi Selatan juga berperan sebagai organisasi edukasi dan sosialisasi ekonomi Islam kepada masyarakat dan mahasiswa. Riset ini memberikan kontribusi terhadap stakeholder yang terkait, bahwa pengembangan keilmuan ekonomi Islam ditataran mahasiswa butuh ditingkatkan dan dibenah agar dapat berdampak bagi mahasiswa di luar KSEI. Selain itu sosialisasi ekonomi Islam dan pembentukan KSEI di beberapa daerah yang belum memiliki KSEI harus ditingkatkan untuk pemerataan gerakan ekonomi Islam di Sulawesi Selatan. Agar lebih massif mesti mengupayakan menjalin kerjasama dan dukungan terhadap pemerintah daerah agar pengembangan ekonomi Islam di Sulawesi Selatan. Selanjutnya bentuk pengembangan ekonomi Islam yang dilakukan diharapkan menyentuh sektor riil agar FoSSEI Sulawesi Selatan memiliki kontribusi nyata dalam praktik ekonomi Islam.
ACCELERATION AND STRENGTHENING OF SHARIA FINANCIAL INCLUSION THROUGH MERGING SHARIA BANKING IN INDONESIA Syarifuddin Syarifuddin; Ega Rusanti; Mega Octaviany; Abdurrahman Mansyur
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 7 No. 1 (2021): JANUARY-JUNE 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i1.24998

Abstract

Islamic banking in Indonesia is slowly experiencing significant developments both in terms of number of assets and its financial performance. On the other hand, the market share was only able to grow by 6.18 percent with grow rate less than 5 percent. Therefore, one of the strategies to increase and accelerate the growth of Islamic banking is through a merger. The purpose of this study is to provide an overview of the potential development of Islamic banking after the merger as an effort to strengthen the inclusion and acceleration of Islamic finance in Indonesia. The method used is in the form of a systematic analysis review by collecting various secondary data and then conducting a quality assessment to obtain in-depth research objectives. The results found through content analysis indicate that the merger strategy provided added value to the banking industry through greater market expansion, increased cost efficiency, financial performance, and lowering prices, to meet the public need for sharia-based financial services. Through a merger strategy, Islamic banking is able to become a new pillar of national economic strength and encourage Indonesia to become the center of the world on Islamic finance.