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All Journal RELEVANCE : Journal of Management and Business Tawazun: Journal of Sharia Economic Law
Zakiyah, Faridatuz
Prodi Manajemen Bisnis Syariah FEBI IAIN Surakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Efektivitas Program Pemberdayaan Perempuan Miskin pada Koperasi Baytul Ikhtiar (BAIK) Bogor Zakiyah, Faridatuz
RELEVANCE : Journal of Management and Business Vol 1, No 2 (2018): Relevance: Journal of Business and Management
Publisher : Prodi Manajemen Bisnis Syariah FEBI IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (734.967 KB) | DOI: 10.22515/relevance.v1i2.1398

Abstract

Giving roles, opportunities and means for women to be empowered in all things, including in the economy is one of the efforts to alleviate poverty. The poor women's empowerment program conducted by the Koperasi Baytul Ikhtiar (BAIK) has helped many poor women in Bogor. This is in line with the Koperasi’s goal of building community and building a national economic order by empowering and prospering members of the cooperative which consists of poor women. This study aims to determine the effectiveness of poor women's empowerment programs that have been carried out by Koperasi Baytul Ikhtiar Bogor. Effectiveness is analyzed by looking at the effect of participation on effectiveness which is moderated by the performance of the facilitator. The study was conducted in Tamansari, West Bogor. This quantitative research was carried out by distributing 114 questionnaires, but only 62 were analyzed because others were missing. Data analysis using Partial Least Square with smartPLS 2.0 software. The results of the study indicate that participation which consists of the planning stage does not directly or indirectly affect effectiveness. The participation of both stages of the implementation has a direct effect and does not have an indirect effect through the performance of the facilitator on effectiveness. While the third participation, the evaluation phase does not have a direct effect but affects the effectiveness through the performance of the facilitator. For participation which consists of the planning stage, the implementation phase and evaluation phase indirectly influence the effectiveness through the performance of the facilitator with the highest score among others. This shows that the performance of Koperasi Baytul Ikhtiar Bogor employees has a strong influence on the end result or effectiveness of the empowerment program for poor women members of the Koperasi Baytul Ikhtiar (BAIK) Bogor.
Jaminan dalam Pembiayaan Mudharabah (Studi Kasus Perbankan Syariah di Indonesia) Zakiyah, Faridatuz; Hisam, Luqman Nur
TAWAZUN : Journal of Sharia Economic Law Vol 1, No 2 (2018): TAWAZUN : Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v1i2.5092

Abstract

Mudharabah transactions are currently included in the main elements of a fairly risky position, because even though this system takes place due to cooperation between sahibul mall and mudharib, the implementation is quite difficult. Moreover, the practice carried out in banking is not exactly the same as the system applied with the classical concept, coupled with the existence of several new provisions such as the implementation of collateral in the mudharabah financing contract.The purpose of this study is to find out analyzing the application of guarantees in mudharabah financing practiced by banks in Indonesia using the Islamic legal framework. The research method used in this study is descriptive-qualitative analysis. From this study it can be concluded that the application of guarantees in mudharabah financing in Islamic banks is absolutely required. Because the thing that becomes a special consideration is to avoid things that cause harm to one party. In this case an aspect of assymetric information which in this situation will create moral hazard.
Co-Authors Hisam, Luqman Nur