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Journal Of Islamic Social Finance Management

JISFIM
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Published by Institut Agama Islam Negeri Padangsidimpuan

ISSN : - EISSN : 27770753 DOI : https://doi.org/10.24952/jisfim

Core Subject : Religion, Humanities, Science, Education, Social,

Religion Humanities Decision Sciences, Operations Research & Management Social Sciences Other

Journal of Islamic Social Finance Management is a peer-reviewed journal on the management of Islamic social finance (sadaqah, zakat, waqf, and infaq). This journal is published by the Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia. Editors welcome scholars, researchers, and practitioners of Islamic management, economics, and business around the world to submit scholarly articles to be published in this journal. All articles will be reviewed by experts before being accepted for publication. Each author is solely responsible for the content of published articles.

Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)

Articles 69 Documents

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Literasi Zakat Hasil Perkebunan Kelapa Sawit Nora Septini Harahap; Zulaika Matondang; Delima Sari Lubis
Journal of Islamic Social Finance Management Vol 2, No 2 (2021): JULI-DESEMBER
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

ABSTRACT South Labuhanbatu Regency is one of the largest fresh fruit bunch producing areas in Indonesia with the majority of the population being Muslim, so South Labuhanbatu Regency should have a large zakat potential for oil palm plantations in South Labuhanbatu Regency. Apparently, not in line with the expectations that occur in the field with the low level of literacy among oil palm farmers, causing delays in the distribution of zakat funds that should be paid annually, this makes zakat on plantation products or commonly referred to as zakat on assets still taboo among the people of Labuhanbatu district. South especially oil palm farmers. This should be a concern for everyone considering that zakat is not only a pillar of Islam that must be implemented, but zakat is also one of the most effective poverty alleviation instruments by developing productive zakat for the poor and needy. The zakat institution, BASNAZ, in South Labuhanbatu Regency, should take a look at this and take concrete actions in increasing zakat literacy for oil palm plantations in South Labuhanbatu Regency. Keywords: Literacy, Zakat, BAZNAS ABSTRAK Kabupaten Labuhanbatu Selatan merupakan salah satu daerah penghasil tandan buah segar terbesar di Indonesia dengan mayoritas penduduk beragama muslim, dengan begitu seharusnya kabupaten Labuhanbatu Selatan memiliki Potensi zakat perkebunan kelapa sawit yang besar di kabupaten Labuhanbatu Selatan. Ternyata, tidak sejalan dengan ekspetasi yang terjadi di lapangan dengan rendahnya tingkat literasi di kalangan para petani kelapa sawit menjadikan tersendatnya penyaluran dana zakat yang seharusnya ditunaikan setiap tahunnya, hal tersebut menjadikan zakat hasil perkebunan atau biasa disebut dengan zakat harta masih tabu di kalangan masyarakat kabupaten Labuhanbatu Selatan terutama para petani kelapa sawit. Sudah seharusnya hal ini menjadi perhatian setiap kalangan mengingat bahsanya zakat tidak hanya merupakan rukun islam yang wajib dilaksanakan namun, zakat juga merupakan slah satu instrument pengentas kemiskinan yang paling ampuh dengan mengembangkan zakat produktif pada kalangan fakir dan miskin. Sudah seharusnya lembaga zakat BASNAZ kabupaten Labuhanbatu Selatan melirik hal tersebut dan melakukan aksi nyata dalam meningkatkan literasi zakat perkebunan kelapa sawit di Kabupaten Labuhanbatu Selatan. Kata Kunci: Literasi, Zakat, BAZNAS

Strategi Pengembangan Program Studi Manajemen Zakat dan Wakaf di Fakultas Ekonomi dan Bisnis Islam Yulva Sulistia; Delima Sari Lubis; Rodame Monitorir Napitupulu
Journal of Islamic Social Finance Management Vol 3, No 1 (2022): JANUARI-JUNI 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

There has been a decrease in the number of students of the Zakat and Waqf Management study program from year to year, so a study was carried out which aims to find out how the Faculty of Islamic Economics and Business implements strategies to develop it. This type of research is a qualitative research, with the research subjects being students and the Head of the Zakat and Waqf Management Study Program as well as the Dean and Deputy Dean of the Faculty of Economics and Islamic Business. Samples were taken by purposive sampling technique. Data were collected using collection techniques taken from interviews, observations, documentation, and literature studies. The data analysis technique used in this study is the IFAS matrix, EFAS matrix, and SWOT matrix. The score obtained from the IFAS matrix has a total of 3.06, while the total score obtained from the EFAS matrix is 2.68. When viewed from the quadrant, the SWOT matrix shows the position in quadrant I with an aggressive strategy. The strategy that must be carried out is the S-O strategy, the results show that program studies provide a good brand image, provide knowledge and abilities to students, and establish cooperative relationships with related institutions and institutions that are able to provide scholarships for students. Keywords: SWOT Analysis, Zakat and Waqf Management, Strategy

Pengaruh Net Profit Margin Dan Rasio Biaya Operasional Pendapatan Operasional Terhadap Kemampuan Zakat Fitri Purnama Sari Sitompul; Fatahuddin Aziz Siregar; Ja'far Nasution
Journal of Islamic Social Finance Management Vol 1, No 2 (2020): Juli-Desember
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Zakah is one of the social activities carried out by PT. Bank Syariah Mandiri and those who are required to be paid when they reach the nisab. The calculation of zakah funds issued is 2.5% of profit before tax. To find out the ability of a bank to generate relative profits using Net Profit Margin (NPM) and the ratio of Operating Costs to Operating Income based on data obtained from PT. Bank Syariah Mandiri. This research was conducted to determine whether NPM and BOPO affect the zakat ability of PT. Bank Syariah Mandiri both partially and simultaneously. This research is a quantitative study with secondary data with data analysis techniques using multiple linear regression methods. The results of the research partially (t test) state that, NPM has no effect on Zakah. Meanwhile, BOPO has an effect on zakah. NPM and BOPO together have an influence on zakah. Keywords: Net Profit Margin (NPM), and the ratio of Operating Costs to Operational Income (BOPO) Against Zakah.

Analisis Potensi Penerimaan Zakat Melalui E-Commerce Pada Masa Pandemi Covid-19 Uswatun Hasanah
Journal of Islamic Social Finance Management Vol 2, No 1 (2021): JANUARI-JUNI
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

The potential for receiving zakat nationally before and during the Covid-19 pandemic is still enormous, while its realization is still very far from expectations. The National Amil Zakat Agency (BAZNAS) does is by utilizing the Digital Platform, including the commercial platform, which is collaborating with e-commerce (Bukalapak, Shoppee, Lazada, Blibli, JD.id, Tokopedia, Mataharimall.com and Elevenia). During the Covid-19 Pandemic, the increase in online zakat acceptance, primarily through e-commerce, increased sharply in line with changes in people's lifestyles. This situation has a huge potential to develop a system according to the needs of muzaki in optimizing the acceptance of zakat online, primarily through e-commerce. Keyword: Potensi, Penerimaan Zakat, E-commerce

Determinan Bertransaksi Menggunakan Aplikasi Berbagi ZISWAF pada BSI Mobile Devi Srikandi; Nofinawati Nofinawati; Sarmiana Batubara
Journal of Islamic Social Finance Management Vol 3, No 1 (2022): JANUARI-JUNI 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

This research is a quantitative research using primary data and secondary data. Data collection techniques used are questionnaires and interviews. Sampling in this study used a random sampling technique with a total of 30 respondents which work as lecturer in Islamic Economic and Business Faculty of IAIN Padangsidimpuan. Data analysis used is validity test, reliability test, basic assumption test (descriptive analysis test, normality test, linearity test) classical assumption test (multicollinearity test, heteroscedasticity test) hypothesis test (t test, F test, R2 coefficient of determination test) and multiple regression test. To facilitate the process of analyzing the data of this research, it is assisted by the SPSS 23 program. The results of the t-test indicate that there is no partial effect of convenience on the use of the ZISWAF sharing application on BSI mobile banking, there is an influence of trust in the use of the ZISWAF sharing application on BSI's mobile banking, there is a beneficial effect on the use of the ZISWAF sharing application on BSI's mobile banking. Simultaneously, there is an effect of convenience, trust and benefits on the use of the ZISWAF sharing application on BSI mobile banking.Keywords: Ease, Trust, Benefits, Sharing ZISWAF

Analisis Strategi Penanganan Pembiayaan Bermasalah Di Baitul Mal Wat Tamwil (BMT) Insani Sadabuan Putri Maya Sari Harahap; Aswadi Lubis; Hamni Fadlillah Nasution
Journal of Islamic Social Finance Management Vol 1, No 1 (2020): Januari-Juni
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Abstract Non-performing financing can affect BMT Insani Sadabuan's income. From this it requires handling to overcome these problematic financing. The purpose of this research is to find out the strategy for handling problematic financing carried out by Baitul Mal Wat Tamwil (BMT) Insani Sadabuan. This research is a field research with a qualitative approach. The results of the study discuss about financing problems caused by two factors, namely internal factors (originating from BMT Insani Sadabuan) and external factors (originating from members). Handling problematic financing at BMT Insani Sadabuan by contacting members by telephone, direct billing to customer locations, providing Qardul Hasan capital, coaching members, and rescheduling. Keywords: Handling Strategies, Problematic Financing

Determinan Minat Berinfak Generasi Z di IAIN Padangsidimpuan Sahrial Ependi Nasution; Kamaluddin Kamaluddin; Rodame Monitorir Napitupulu
Journal of Islamic Social Finance Management Vol 2, No 1 (2021): JANUARI-JUNI
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Infaq is a fund issued voluntarily for an interest ordered by Islam. However, it has not been implemented optimally due to the constraints of students who do not have a fixed income and there has been a decrease in the number of donations, even though the number of students at IAIN Padangsidimpuan is increasing. The purpose of this study was to determine the effect of religiosity, income partially and simultaneously on the interest in giving infaq in z generation. This study uses quantitative research with primary data sources. Data collection techniques using interview techniques, questionnaires, and documentation with a sample size of 91 respondents and using random sampling. The data analysis used was validity test, reliability test, normality test, classical assumption test, determination coefficient test, hypothesis test and multiple linear regression analysis test. The results showed that the income variable did not partially influence the interest in giving in the z generation, while the religiosity variable had a partial effect on the interest in giving in the .z generation. Simultaneously, the religiosity variable, income together have an effect on the interest in giving in the z generation Keywords: Infaq, Interest, Income, Religiosity

Tingkat Kesadaran Generasi Milenial Bersedekah melalui Kitabisa.com Venny Alfayani; Darwis Harahap; Rodame Monitorir Napitupulu
Journal of Islamic Social Finance Management Vol 2, No 2 (2021): JULI-DESEMBER
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

ABSTRACT Based on a study conducted by IPSOS, it is said that one of the characteristics of millennials is that they care less about others. Millennials are described as only taking opportunities that benefit themselves. Tirto, a news and infographic site also conducted research aimed at knowing millennial habits in giving alms and revealing millennial views on the use of alms technology through Kitabisa.com. The type of research that the author does is quantitative research using primary and secondary data. Data collection techniques used are questionnaires and documentation. Sampling in this study using incidental sampling technique with a number of 93 people determined by using the Yamane Taro formula. The data analysis method used is the classical assumption test, the coefficient of determination test, multiple linear regression, and hypothesis testing. The results show that partially there is no influence of knowledge on the level of awareness of the millennial generation in giving alms through Kitabisa.com, while attitudes and actions have an influence. Meanwhile, the three of them simultaneously have an influence on the awareness level of the millennial generation through Kitabisa.com.Keywords : Awareness, Millennial, Kitabisa.comABSTRAKBerdasarkan studi yang dilakukan oleh Ipsos, dikatakan bahwa salah satu karakteristik milenial adalah kurang peduli terhadap sesama. Generasi milenial digambarkan hanya mengambil kesempatan yang menguntungkan dirinya. Tirto, sebuah situs berita dan infografik juga melakukan riset yang bertujuan untuk mengetahui kebiasaan milenial dalam bersedekah dan mengungkap pandangan milenial terhadap pemanfaatan teknologi bersedekah melalui Kitabisa.com. Jenis penelitian ini adalah penelitian lapangan (field research) yaitu penelitian langsung dilakukan dilapangan atau pada responden. Teknik pengumpulan data yang digunakan adalah kuesioner dan dokumentasi. Pengambilan sampel dalam penelitian ini menggunakan teknik insidental sampling dengan jumlah 93 orang yang ditentukan dengan menggunakan rumus Yamane Taro. Metode analisis data yang digunakan adalah uji asumsi klasik, uji koefisien determinasi, uji regresilinier berganda, dan uji hipotesis. Hasil penelitian menunjukkan bahwa secara parsial tidak terdapat pengaruh pengetahuan terhadap tingkat kesadaran generasi milenial bersedekah melalui Kitabisa.com, sedangkan sikap dan tindakan memiliki pengaruh. Sementara itu, secara simultan ketiganya memiliki pengaruh terhadap tingkat kesadaran generasi milenial bersedekah melalui Kitabisa.com.Kata Kunci: Kesadaran, Milenial, Kitabisa.com

Sistem Pengelolaan Dana Zakat di BAZNAS Kabupaten Pasaman Barat M Yarham
Journal of Islamic Social Finance Management Vol 3, No 2 (2022): JULI-DESEMBER 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Penelitian ini bertujuan untuk mengetahui sistem pengelolaan dana zakat di BAZNAS Kabupaten Pasaman Barat dimana dalam pengelolaannya dilakukan melalui penghimpunan, pendistribusian dan pendayagunaan dana zakat. Jenis penelitian ini yaitu penelitian deskriptif kualitatif, dengan menggunakan pendekatan fenomenologi. Metode pengumpulan data melalui observasi, wawancara, dokumentasi. Hasil penelitian ini menunjukkan bahwa dalam pengelolaan zakat di BAZNAS Kabupaten Pasaman Barat melalui beberapa tahapan, yaitu penghimpunan atau pengumpulan dana zakat, pendistribusian dan pendayagunaan dana zakat yang diberikan kepada delapan asnaf. Pengumpulan dana zakat dilakukan dengan cara menjemput langsung ke tempat muzakki berada, melakukan kerja sama antar lembaga dan menyampaikan kepada masyarakat yang ingin membayar zakat melalui nomor rekening BAZNAS Kabupaten Pasaman Barat. Pada pendistribusian dan pendayagunaan dana zakat di BAZNAS Kabupaten Pasaman Barat masih bersifat konsumtif bukan produktif, hal ini dapat dilihat dari program-program yang dilaksanakan, yaitu dana zakat yang diberikan secara langsung kepada seluruh asnaf (mustahik) dan memberikan bantuan-bantuan sosial.

Potensi Pendirian Baitul Maal Wat Tamwil (BMT) Kecamatan Batang Angkola Kebupaten Tapanuli Selatan Mardia Khairani; Fatahuddin Aziz Siregar; Delima Sari Lubis
Journal of Islamic Social Finance Management Vol 1, No 1 (2020): Januari-Juni
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Abstract The presence of BMT as a microfinance institution is very much needed by the community, because most people become micro-entrepreneurs, so with this encouragement, researchers are interested in researching the potential for establishing BMT, namely in Hutatonga Village, Batang Angkola District, South Tapanuli Regency because there are no financial institutions in that area yet. using sharia principles. While the purpose of this study was to determine the potential for establishing BMT in Hutatonga Village, Batang Angkola District, South Tapanuli Regency. This research is a descriptive qualitative research type, and to collect the required data used data collection instruments consisting of interviews conducted directly with informants. The results showed that the Hutatonga Village had the potential to establish BMTs. This potential is that there are strengths in the establishment of BMTs in the Hutatonga village, namely the process of establishing them is easy, provides benefits, has reach to small businesses and the weakness is that they are not yet popular among the community, human resources are still weak, the systems and procedures that regulate are not standardized. Keywords: Potential, BMT, SWOT

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Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan Jl. H. T. Rizal Nurdin Km 4.5 Sihitang Padangsidimpuan.

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Kota padangsidimpuan,

Sumatera utara

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Zulaika Matondang

Contact Email zulaikamatondang83@gmail.com

Phone +6282162170129

Journal Mail Official jisfimcontact@gmail.com

Editorial Address Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan Jl. H. T. Rizal Nurdin Km 4.5 Sihitang Padangsidimpuan.

Location Kota padangsidimpuan, Sumatera utara INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Zulaika Matondang

Contact Email
zulaikamatondang83@gmail.com

Phone
+6282162170129

Journal Mail Official
jisfimcontact@gmail.com

Editorial Address
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan Jl. H. T. Rizal Nurdin Km 4.5 Sihitang Padangsidimpuan.

Location
Kota padangsidimpuan,

Sumatera utara

INDONESIA