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All Journal Journal Of Sharia Banking Journal Of Islamic Social Finance Management
Adanan Murroh
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Analisis Dampak Zakat Terhadap Kesejahteraan Mustahik BAZNAS Tapanuli Selatan Anny May Saroh Simamora; Abdul Nasser Hasibuan; Adanan Murroh
Journal of Islamic Social Finance Management Vol 4, No 1 (2023): JANUARI-JUNI 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v4i1.8235

Abstract

Abstrak Pendistribusian Zakat konsumtif dan zakat produktif merupakan salah satu usaha dalam meningkatkan kesejahteraan mustahik oleh BAZNAS Kabupaten Tapanuli Selatan. Permasalahan yang akan dicari jawabannya dalam penelitian ini adalah bagaimana dampak zakat terhadap kesejahteraan mustahik. Penelitian ini merupakan penelitian kualitatif dengan menggunakan metode deskriptif. Sumber data yang digunakan data primer dan sekunder. Teknik pengumpulan data melalui wawancara, dokumentasi, dan tinjauan kepustakaan. Teknik pengolahan dan analisis data yang digunakan adalah reduksi data, penyajian data dan kesimpulan. Hasil penelitian menunjukkan bahwa pendistribusian zakat yang dilakukan BAZNAS Kabupaten Tapanuli Selatan belum mampu menyejahterakan mustahik Kabupaten Tapanuli Selatan. Pendistribusian zakat baik secara konsumtif maupun produktif belum mampu mengubah posisi seorang mustahik menjadi muzaki. Dampak zakat konsumtif hanya bisa memenuhi kebutuhan sementara mustahik.  Sedangkan untuk zakat produktif, pendistribusian zakat secara produktif juga belum bisa membantu meningkatkan perekonomian seorang mustahik.Kata Kunci: Zakat Konsumtif, Zakat Produktif, Mustahik                       AbstractThe distribution of consumptive and productive zakat is one of the efforts to improve the welfare of mustahik by BAZNAS of South Tapanuli Regency. The problem to be answered in this research is how the impact of zakat on the welfare of mustahik. This research is a qualitative research using descriptive method. Source of data used primary and secondary data. Data collection techniques through interviews, documentation, and literature review. Data processing and analysis techniques used are data reduction, data presentation and conclusions. The results of the study show that the distribution of zakat by BAZNAS of South Tapanuli Regency has not been able to prosper the mustahik of South Tapanuli Regency. The distribution of zakat both consumptively and productively has not been able to change the position of a mustahik to become a muzaki. The impact of consumptive zakat can only meet the temporary needs of mustahik. As for productive zakat, the productive distribution of zakat has not been able to help improve the economy of a mustahik.Keywords: Consumptive Zakat, Productive Zakat, Mustahik
OPERATIONAL RISK ANALYSIS OF INDONESIAN SHARIA BANK OLD MOUNTAIN KCP Wanda Khairani; Maria Kutbiah; Sarmiana Batubara; Adanan Murroh
Journal Of Sharia Banking Vol 4, No 1 (2023): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v4i1.8369

Abstract

Operational risk is one of the risks that must be faced by every financial institution, including Bank Syariah Indonesia (BSI) KCP Gunung Tua. Operational risk is faced by all banks because running a bank's business cannot be separated from the human factor, service procedures, administrative processes, and so on. With the emergence of operational risk, there must be causes. The operational risk can cause the bank to lose money which is caused by several factors, namely first, failure in internal processes related to procedural failures. Second, system failure, the main risk to operations due to the bank's increasing dependence on technology. Third, external events, external factors come from matters beyond the control of the bank which also affect the company's operational performance. This study used a qualitative research method with a descriptive approach, the data sources obtained were primary data and secondary data, which were obtained through interview methods, observation methods, documentation methods and data analysis methods.From the results of this study it can be seen that operational risks that occur at BSI KCP Gunung Tua occur due to internal risks such as incorrect checking of counterfeit money, human resource risks such as atk carried by customers, system risks, namely systems that are down and will always occur every year, risks law such as loss of customer guarantees, as well as external risks such as the Covid-19 disaster. The BSI KCP Gunung Tua continues to improve its risk management in order to reduce operational risks that occur. The method used by BSI KCP Gunung Tua to overcome operational risks that occur is by focusing on these 2 factors, optimizing controlling for all employees (internal) and also optimizing controlling for customers (external). It can be seen from the management that has been implemented quite well, it can be seen that the operational risk at BSI KCP Gunung Tua is now reduced. The current operational risk is only because the system is down and that is now only once a year. And the risk because of covid-19 has reduced.
Co-Authors Abdul Nasser Hasibuan Anny May Saroh Simamora Maria Kutbiah Sarmiana Batubara Wanda Khairani