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E-Money Based Boarding School Cooperative Development Model (Kopontren) As An Sharia Economic Acceleration Effort In Indonesia Marwini Marwini; Annisa Nur Salam
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 1 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.1.5496


AbstractPurpose - This research aims to know E-money based boarding school cooperative (Kopontren) development models.Method - This research is used descriptive qualitative by discussing the development of the co-model with sharia economic agreements and e-money as a transaction tool.Result - The results of the research showed three models, namely development model of Islamic boarding school cooperative (Kopontren) as community economy developer, model of sharia agreement implementation in Kopontren operations, and e-money application as transaction media in Kopontren business unit.Implication - This study uses the data from the study of literature.Originality- The paper looks into the development model of the co-op with e-money based. Previous studies have only focused on development models. This paper contributes to introducing the application of an inclusive financial system. 
The Reinforcement of Zakat Management through Financial Technology Systems M. Aulia Rachman; Annisa Nur Salam
International Journal of Zakat Vol 3 No 1 (2018)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (768.117 KB) | DOI: 10.37706/ijaz.v3i1.68


Financial technology or fintech, as the information media used to execute technology-based financial services, has become a great foundation in the effort toward enhancing the effectiveness and efficiency of financial services. The integrated zakat management system has been developed and needs innovations to be developed; several amil zakat institutions have utilized fintech as a more optimal services device in zakat management. This means that the fintech-based management of zakat will continue to grow and grow well, on both the market and consumer sides (especially for the aspect of demand), so it needs regulation, standardization and effort to guarantee the management of zakat using fintech media. This paper will offer concepts for the innovation, reinforcement, strategy, and legality regarding a technology-based management system for zakat, funded by the government or a relevant authority. Keywords: financial technology, Reinforcement, Management of Zakat
Asy-Syari'ah Vol 23, No 2 (2021): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v23i2.24059


Abstract: Green sukuk has an underlying form of environmental preservation activities and is a form of Indonesia's commitment to addressing the impacts of climate change. The Cash Waqf Linked Sukuk (CWLS) is a cash waqf investment in SBSN where the imbalance is channeled to social activities including social infrastructure which is a waqf asset. Based on the two-state sukuk innovations, in general, this research intends to integrate the implementation of green sukuk and CWLS in sustainability. The method used in this research is a qualitative approach with descriptive analysis. The results of this study are the proposed Green CWLS model for financing the agricultural sector. This innovation will be a breakthrough in funding to reduce climate change as well as providing opportunities for Muslims who wish to invest socially, especially in the agricultural sector. Based on the contract used, green sukuk can use ijarah, murabahah, salam, ishtisna`, mudharabah and musyarakah contracts. While CWLS uses a wakalah contract. The hope is that this can become a new recommendation for policymakers such as the Ministry of Finance, the Indonesian Waqf Agency , the Ministry of Religion, and Bank Indonesia in advancing fiscal finance while trying to balance economic and environmental impacts which are currently the focus of all countries. In addition, this model also supports the agricultural sector to improve the welfare of local farmers and ensure food security and security for the people of Indonesia.
How does the PEN Program Affect the Sustainability of MSMEs: A Case Study in Bantul Nur Andriyani; Huda Kurnia Maulana; Annisa Nur Salam; Frisca Marta Utami; Alivia Nabila Kinasih; Syarif Ardiansyah; Iskandar Iskandar
Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Vol 18, No 1 (2023): March
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/ekuilibrium.v18i1.2023.pp110-119


The Indonesian economy has faced a pandemic for the last two years. The Covid-19 pandemic is the starting point for implementing digital technology for MSMEs. MSMEs and the government maintain the sustainability of MSMEs, which are one of the pillars of the economy. This study aims to analyze the impact of digital technology implementation, human capital and PEN program in maintaining business sustainability directly or through competitive advantage. The object of research is culinary MSMEs in Bantul Yogyakarta Regency. SEM PLS is employed to estimate the primary data by using WARPS PLS 6.0 application. The results revealed that digital technology variables could directly affect business sustainability. Meanwhile, human capital and the PEN program affect business sustainability through competitive advantage. The results suggest government extend the fiscal stimulus.