Pub Date : 2019-01-22DOI: 10.31332/LIFALAH.V3I1.1186
Julia Maya Pitaloka, N. Cholis, A. Islamiyah, Zulfikar Bagus Pambuko
Islamic banks are obliged to fund and finance the funds to the public. Moreover, Islamic banks are also required to perform social functions. The study aims to analyse the level of social productivity of Islamic Banks in Indonesia and the determinants of it. The data analysis used the Two-Stage Malmquist Productivity Index technique where the first phase uses Malmquist Productivity Index (MPI) and the second uses pooled Tobit regression which applied to 8 BUS from 2013 through 2017. The input variables are the receipt of zakat funds and the charity funds, while the output variables are the use of zakat funds and the charity funds. The results of this study found that Islamic banking has increased productivity in managing social funds by 33.2% where BJB Syariah became the most productive and BRI Syariah is the lowest.Furthermore, the productivity of Islamic Banks in managing social funds is positivelyinfluenced by Return on Assets (ROA) and negatively influenced by the ownership ofindependent LAZ and Capital Adequacy Ratio (CAR), while Financing to Deposit Ratio(FDR) and bank size have no real effect on the social productivity of Islamic Banks inIndonesia.
{"title":"Determinan Produktivitas Sosial Perbankan Syariah di Indonesia: Two-Stage Malmquist Productivity Index","authors":"Julia Maya Pitaloka, N. Cholis, A. Islamiyah, Zulfikar Bagus Pambuko","doi":"10.31332/LIFALAH.V3I1.1186","DOIUrl":"https://doi.org/10.31332/LIFALAH.V3I1.1186","url":null,"abstract":"Islamic banks are obliged to fund and finance the funds to the public. Moreover, Islamic banks are also required to perform social functions. The study aims to analyse the level of social productivity of Islamic Banks in Indonesia and the determinants of it. The data analysis used the Two-Stage Malmquist Productivity Index technique where the first phase uses Malmquist Productivity Index (MPI) and the second uses pooled Tobit regression which applied to 8 BUS from 2013 through 2017. The input variables are the receipt of zakat funds and the charity funds, while the output variables are the use of zakat funds and the charity funds. The results of this study found that Islamic banking has increased productivity in managing social funds by 33.2% where BJB Syariah became the most productive and BRI Syariah is the lowest.Furthermore, the productivity of Islamic Banks in managing social funds is positivelyinfluenced by Return on Assets (ROA) and negatively influenced by the ownership ofindependent LAZ and Capital Adequacy Ratio (CAR), while Financing to Deposit Ratio(FDR) and bank size have no real effect on the social productivity of Islamic Banks inIndonesia.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-01-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42972597","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-01-22DOI: 10.31332/lifalah.v3i1.1185
A. Mardiana, Agustin Y Lihawa
In this research, writer to use quantitative method that is research wish to explain influence relationship and difference between variable X1 (Zakat Earning), X2 (interest of entrepreneurship) and variable Y (People Income) at baznas in Gorontalo city. The population in this research is 250 benefic of productive zakat and the samples are 71 samples. Method of sampling by random sampling. Sources of data in this study are primary data and secondary data. Zakat productive and entrepreneurial interests simultaneously have a positive and significant effect on increasing the income of poor people in Baznas KotaGorontalo. It is obtained from the test result f that is fcount of 17,597 with significant level 0.000 and ftabel = 3,13 with significant level 0,05, and also R Square value equal to 0,341 or 34,1%. In this case means that productive and entrepreneurial zakat affect the increase in income of the poor by 34.1%, while the rest of 65.9% influenced by other variables not examined in this study
{"title":"Pengaruh Zakat Produktif dan Minat Berwirausaha Terhadap Peningkatan Pendapatan Masyarakat Miskin Pada BAZNAS Kota Gorontalo","authors":"A. Mardiana, Agustin Y Lihawa","doi":"10.31332/lifalah.v3i1.1185","DOIUrl":"https://doi.org/10.31332/lifalah.v3i1.1185","url":null,"abstract":"In this research, writer to use quantitative method that is research wish to explain influence relationship and difference between variable X1 (Zakat Earning), X2 (interest of entrepreneurship) and variable Y (People Income) at baznas in Gorontalo city. The population in this research is 250 benefic of productive zakat and the samples are 71 samples. Method of sampling by random sampling. Sources of data in this study are primary data and secondary data. Zakat productive and entrepreneurial interests simultaneously have a positive and significant effect on increasing the income of poor people in Baznas KotaGorontalo. It is obtained from the test result f that is fcount of 17,597 with significant level 0.000 and ftabel = 3,13 with significant level 0,05, and also R Square value equal to 0,341 or 34,1%. In this case means that productive and entrepreneurial zakat affect the increase in income of the poor by 34.1%, while the rest of 65.9% influenced by other variables not examined in this study","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-01-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42235464","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-12-31DOI: 10.31332/lifalah.v3i2.1198
Leni Saleh
The purpose of this research is to know : (1) The feasibility of red chili pepper in Duriasi village of Konawe regency, and (2) Economic review of Islam to the feasibility of red chili pepper in Duriasi village Konawe regency. The method of determining the sample is purposive. Sampling in this research is conducted by census that is take all population of red chili pepper farmer so that total of respondent is 20 respondents. Result of research concluded that : (1) Based on analysis result obtained R/C equal to 3,06. The value of R/C > 1, this means that in the red chili pepper plant undertaken by farmer of respondents in the village Duriasi subdistrict Wonggeduku is efficient or feasible to cultivate and every one rupiah issued will generate revenue of 3,06 rupiah. (2) According to the Islamic economic review of the feasibility of red chili pepper business is accordance with Islamic ekonomic principles because it can realize the level of welfare and increase the level of economic income of family members, especially farmers.
{"title":"Tinjauan Ekonomi Islam Terhadap Kelayakan Usaha Cabai Merah (Studi Kasus Di Desa Duriasi Kabupaten Konawe)","authors":"Leni Saleh","doi":"10.31332/lifalah.v3i2.1198","DOIUrl":"https://doi.org/10.31332/lifalah.v3i2.1198","url":null,"abstract":"The purpose of this research is to know : (1) The feasibility of red chili pepper in Duriasi village of Konawe regency, and (2) Economic review of Islam to the feasibility of red chili pepper in Duriasi village Konawe regency. The method of determining the sample is purposive. Sampling in this research is conducted by census that is take all population of red chili pepper farmer so that total of respondent is 20 respondents. Result of research concluded that : (1) Based on analysis result obtained R/C equal to 3,06. The value of R/C > 1, this means that in the red chili pepper plant undertaken by farmer of respondents in the village Duriasi subdistrict Wonggeduku is efficient or feasible to cultivate and every one rupiah issued will generate revenue of 3,06 rupiah. (2) According to the Islamic economic review of the feasibility of red chili pepper business is accordance with Islamic ekonomic principles because it can realize the level of welfare and increase the level of economic income of family members, especially farmers.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43332414","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-12-31DOI: 10.31332/lifalah.v3i2.1196
Ummi Kalsum
Authority Supervision Banking Sharia in Indonesia to study on a critical aboutsupervision banking sharia from side juridical normative. Settings and supervisionbanking sharia based on Law Number 3 of 2004 concerning Changes the Law Number 23 of 1999 concerning Bank Indonesia and Law No. 21 of 2008 are the authority of BI. Post the enactment of Law No. 21 of 2011 concerning FSA then supervision banking the original sharia to be BI's authority to switch to OJK. With so, the institution Settings and development banking sharia too switch from BI to the OJK, Committee Banking Sharia (KPS) and changed by the OJK and expanded to be Committee Development Services Finance Sharia (KPJKS). For that needed cooperation good coordination between BI and OJK. While supervision from sharia permanent is do by DSN-MUI and in LKS level is DPS as extension hands of DSN-MUI. Because fatwas issued DSN-MUI fixed applies and regulations issued by the BI good PBI and SEBI be fixed to be umbrella law supervision of Islamic banks by DPS anyway applies .
{"title":"Otoritas Pengawasan Perbankan Syariah Di Indonesia","authors":"Ummi Kalsum","doi":"10.31332/lifalah.v3i2.1196","DOIUrl":"https://doi.org/10.31332/lifalah.v3i2.1196","url":null,"abstract":"Authority Supervision Banking Sharia in Indonesia to study on a critical aboutsupervision banking sharia from side juridical normative. Settings and supervisionbanking sharia based on Law Number 3 of 2004 concerning Changes the Law Number 23 of 1999 concerning Bank Indonesia and Law No. 21 of 2008 are the authority of BI. Post the enactment of Law No. 21 of 2011 concerning FSA then supervision banking the original sharia to be BI's authority to switch to OJK. With so, the institution Settings and development banking sharia too switch from BI to the OJK, Committee Banking Sharia (KPS) and changed by the OJK and expanded to be Committee Development Services Finance Sharia (KPJKS). For that needed cooperation good coordination between BI and OJK. While supervision from sharia permanent is do by DSN-MUI and in LKS level is DPS as extension hands of DSN-MUI. Because fatwas issued DSN-MUI fixed applies and regulations issued by the BI good PBI and SEBI be fixed to be umbrella law supervision of Islamic banks by DPS anyway applies .","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47686780","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-12-31DOI: 10.31332/LIFALAH.V3I2.1193
U. Suherman
Halal tourism potential in West Java, especially for sharia hotels is very high so that West Java is a potential area for developing halal tourism. To realize West Java as a halal tourism development area is not easy there are obstacles faced such as the lack of consumer interest in sharia hotels and not many people understand the difference between sharia hotels and conventional hotels. Therefore, this study will examine the development strategy of halal tourism in West Java.The purpose of this study is 1) to identify internal factors (strengths and weaknesses) in the development of sharia tourism in West Java, 2) to identify external factors (opportunities and threats) in the development of sharia tourism in West Java, 3) for knowing the positioning of West Java in the development of sharia tourism and 4) to find out the development strategy of sharia tourism in West Java.The research method used is qualitative descriptive. The study was conducted on 8sharia hotels in the West Java region. The data analysis technique used is SWOT analysis using internal factors and external factors of the company.The SWOT matrix calculation results produce ten alternative strategies, namelyencouraging and providing halal certification facilities for sharia hotels, conductingassessment of facilities and infrastructure, halal tourism needs and other supportingelements in West Java, increasing the promotion of sharia tourism through various mediaand providing tourism information based on information technology that suits the needs of tourists, conducts an inventory of data in collaboration with the city or district government to hotels that implement the concept of sharia in West Java, develop uniqueness as excellence found in sharia hotels in West Java, Cooperate with various parties including the tourism ministry, the community and other stakeholders, equating the perception of the concept of sharia tourism between the government and business actors through halal tourism discussions and seminars, Developing various tourism products Halal with the aim of attracting tourists, conducting training and coaching Islamic tourism HR in accordance with the standards of the MUI, providing a place of worship complete with other worship facilities and infrastructure. The results of this study are expected to be a recommendation to the government of West Java Province and sharia hotels in the development of halal tourism in West Java.
{"title":"Analysis of Strategy for Development of Halal Tourism Potentials in Syariah Hotels in West Java","authors":"U. Suherman","doi":"10.31332/LIFALAH.V3I2.1193","DOIUrl":"https://doi.org/10.31332/LIFALAH.V3I2.1193","url":null,"abstract":"Halal tourism potential in West Java, especially for sharia hotels is very high so that West Java is a potential area for developing halal tourism. To realize West Java as a halal tourism development area is not easy there are obstacles faced such as the lack of consumer interest in sharia hotels and not many people understand the difference between sharia hotels and conventional hotels. Therefore, this study will examine the development strategy of halal tourism in West Java.The purpose of this study is 1) to identify internal factors (strengths and weaknesses) in the development of sharia tourism in West Java, 2) to identify external factors (opportunities and threats) in the development of sharia tourism in West Java, 3) for knowing the positioning of West Java in the development of sharia tourism and 4) to find out the development strategy of sharia tourism in West Java.The research method used is qualitative descriptive. The study was conducted on 8sharia hotels in the West Java region. The data analysis technique used is SWOT analysis using internal factors and external factors of the company.The SWOT matrix calculation results produce ten alternative strategies, namelyencouraging and providing halal certification facilities for sharia hotels, conductingassessment of facilities and infrastructure, halal tourism needs and other supportingelements in West Java, increasing the promotion of sharia tourism through various mediaand providing tourism information based on information technology that suits the needs of tourists, conducts an inventory of data in collaboration with the city or district government to hotels that implement the concept of sharia in West Java, develop uniqueness as excellence found in sharia hotels in West Java, Cooperate with various parties including the tourism ministry, the community and other stakeholders, equating the perception of the concept of sharia tourism between the government and business actors through halal tourism discussions and seminars, Developing various tourism products Halal with the aim of attracting tourists, conducting training and coaching Islamic tourism HR in accordance with the standards of the MUI, providing a place of worship complete with other worship facilities and infrastructure. The results of this study are expected to be a recommendation to the government of West Java Province and sharia hotels in the development of halal tourism in West Java.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44543568","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-12-31DOI: 10.31332/lifalah.v3i2.1197
A. Baharuddin, Rifqi Qowiyul Iman
Among the obstacles of waqf law implementation is the problem of nazir which is stilltraditional-consumptive due to the lack of understanding of waqf and the low quality ofhuman resources. This paper will discuss the problems of nazir which include, definitions, obligation, criteria of professional nazir, obstacle and solutions. Based on the results of study, it is concluded that the requirements of professional nazir contains moral, management and business as well as other supporting knowledge and insights. In addition, professional nazir should master human skill, technical skills and human relations. While the obstacle consists of lack of knowledge, coaching, recruitment, reward, competence and supervision. And among the solutions that can be done are changes of paradigm, the existence of Nazir associations, the establishment of Nazir schools, and increasing the welfare of Nazir
{"title":"Nazir Wakaf Profesional, Standarisasi dan Problematikanya","authors":"A. Baharuddin, Rifqi Qowiyul Iman","doi":"10.31332/lifalah.v3i2.1197","DOIUrl":"https://doi.org/10.31332/lifalah.v3i2.1197","url":null,"abstract":"Among the obstacles of waqf law implementation is the problem of nazir which is stilltraditional-consumptive due to the lack of understanding of waqf and the low quality ofhuman resources. This paper will discuss the problems of nazir which include, definitions, obligation, criteria of professional nazir, obstacle and solutions. Based on the results of study, it is concluded that the requirements of professional nazir contains moral, management and business as well as other supporting knowledge and insights. In addition, professional nazir should master human skill, technical skills and human relations. While the obstacle consists of lack of knowledge, coaching, recruitment, reward, competence and supervision. And among the solutions that can be done are changes of paradigm, the existence of Nazir associations, the establishment of Nazir schools, and increasing the welfare of Nazir","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45827534","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-12-31DOI: 10.31332/LIFALAH.V3I2.1194
Soritua Ahmad Ramdani Harahap
Humans are resource of power in economic development that acts as the caliph of Allah on earth that is demanded to be responsible for the continuity of development that bring maslahah people in the world and the hereafter. However, in reality the human resource problem itself is still very complex, such as the lack of optimal quality of human resources, evidenced by the high number of unemployed in Indonesia. Where open unemployment in February 2017 reached 5,33% from 5,50% in February 2016. This phenomenon is interesting to review from the standpoint of human resource development in an Islamic perspective. By using qualitative methods and data collection through observation, interview and documentation of the Al-Falah Social Fund Foundation (YDSF) Surabaya as a sample of research. Finally this article explains that human resource development at Al-Falah Social Fund Foundation (YDSF) Surabaya uses spiritual and material approach. Through these two approaches, human resource development goes with programs aimed at improving human resources both spiritually and the material. In addition, this article also explains the obstacles encountered along with the solution to be applied by the Al-Falah Social Fund Foundation (YDSF) in order to optimize the quality of human resources.
{"title":"Human Resources Development In Yayasan Dana Sosial Al-Falah Surabaya On Islamic Economic Perspective","authors":"Soritua Ahmad Ramdani Harahap","doi":"10.31332/LIFALAH.V3I2.1194","DOIUrl":"https://doi.org/10.31332/LIFALAH.V3I2.1194","url":null,"abstract":"Humans are resource of power in economic development that acts as the caliph of Allah on earth that is demanded to be responsible for the continuity of development that bring maslahah people in the world and the hereafter. However, in reality the human resource problem itself is still very complex, such as the lack of optimal quality of human resources, evidenced by the high number of unemployed in Indonesia. Where open unemployment in February 2017 reached 5,33% from 5,50% in February 2016. This phenomenon is interesting to review from the standpoint of human resource development in an Islamic perspective. By using qualitative methods and data collection through observation, interview and documentation of the Al-Falah Social Fund Foundation (YDSF) Surabaya as a sample of research. Finally this article explains that human resource development at Al-Falah Social Fund Foundation (YDSF) Surabaya uses spiritual and material approach. Through these two approaches, human resource development goes with programs aimed at improving human resources both spiritually and the material. In addition, this article also explains the obstacles encountered along with the solution to be applied by the Al-Falah Social Fund Foundation (YDSF) in order to optimize the quality of human resources.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48064763","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-12-31DOI: 10.31332/LIFALAH.V3I2.1200
Beti Mulu
This study aims to analyze: (1) Knowing the amount of women's income contribution to selling traditional cakes to family income, (2) Knowing the motivation of traditional cake-selling women; do the job of selling traditional processed foods doing the job of selling traditional cakes, and (3) To find out the participation of women traditional cake sellers in increasing family income according to the Islamic economic perspective. Data collection techniques were carried out in two ways, namely primary data through direct interviews using questionnaires to sample respondents and secondary data obtained from literature and literature compilation results. Data that had been collected was processed using qualitative and quantitative descriptive statistical analysis. The results of the study concluded that the amount of income of women selling traditional cakes is Rp. 7,200,000 or an average of Rp. 1,435,000, husband's income is Rp. 12,000,000 or an average of Rp. 2,400,000, while the income of other family members is Rp. 3,700,000 or an average of Rp. 740,000. From this description, it can be seen that the total income of the family of traditional cake-making women in Wawonggole Village, Unaaha District, Konawe Regency is Rp. 22,900,000 or an average of Rp. 4,275,000. Withthe contribution of women's business income, traditional cake sellers have a total family income of 31.44%. Motivation of female respondents or housewives to make and sell traditional cakes is to increase family income and to spend free time with positive activities. The participation of women traditional cake sellers in an effort to increase their family's income and help with economic needs is a good business and in line with Islamic shari'a because it is done with good effort and intention, as long as the wife does not violate the Shari'ah, namely not leaving her obligations in managing the house stairs to help her husband. in general, a woman's business as a traditional cake seller to help improve the family's economy may be done because it does not conflict with the principles of Islamic Economics.
{"title":"Partisipasi Wanita Penjual Kue Tradisional Dalam Meningkatkan Pendapatan Keluarga Menurut Perspektif Ekonomi Islam","authors":"Beti Mulu","doi":"10.31332/LIFALAH.V3I2.1200","DOIUrl":"https://doi.org/10.31332/LIFALAH.V3I2.1200","url":null,"abstract":"This study aims to analyze: (1) Knowing the amount of women's income contribution to selling traditional cakes to family income, (2) Knowing the motivation of traditional cake-selling women; do the job of selling traditional processed foods doing the job of selling traditional cakes, and (3) To find out the participation of women traditional cake sellers in increasing family income according to the Islamic economic perspective. Data collection techniques were carried out in two ways, namely primary data through direct interviews using questionnaires to sample respondents and secondary data obtained from literature and literature compilation results. Data that had been collected was processed using qualitative and quantitative descriptive statistical analysis. The results of the study concluded that the amount of income of women selling traditional cakes is Rp. 7,200,000 or an average of Rp. 1,435,000, husband's income is Rp. 12,000,000 or an average of Rp. 2,400,000, while the income of other family members is Rp. 3,700,000 or an average of Rp. 740,000. From this description, it can be seen that the total income of the family of traditional cake-making women in Wawonggole Village, Unaaha District, Konawe Regency is Rp. 22,900,000 or an average of Rp. 4,275,000. Withthe contribution of women's business income, traditional cake sellers have a total family income of 31.44%. Motivation of female respondents or housewives to make and sell traditional cakes is to increase family income and to spend free time with positive activities. The participation of women traditional cake sellers in an effort to increase their family's income and help with economic needs is a good business and in line with Islamic shari'a because it is done with good effort and intention, as long as the wife does not violate the Shari'ah, namely not leaving her obligations in managing the house stairs to help her husband. in general, a woman's business as a traditional cake seller to help improve the family's economy may be done because it does not conflict with the principles of Islamic Economics.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44227674","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The low-income households are perceived to have the right to take debt from excessfinanced group or entitled for some charity. However, this perception has blur their attitude towards charity-giving. Low-income should not consider themselves as 'the taker' in perpetual. They should instil giving behaviour and consider themselves as 'the giver'. Experts from financial education and Islamic finance areas are interviewed. Results from Analytic Network Process suggest that setting specific targeted behaviour is the most priority, with debt-taking focus of interest. Women apparently become the most urgent targeted audience of Islamic finance education. Before executing education program, participant’s belief towards Islamic value should be built. Experts suggest formal education institution be the most preferable place to establish the program, in collaboration with formal financial institutions to conduct the training and support from government budget. Introducing Islamic economics and finance values from the earlier stage of formal education would be suitable for future consideration.
{"title":"Enhancing Financial Education: Debt-Taking And Charity-Giving Context In Indonesia","authors":"Laily Dwi Arsyianti, Salina Kassim, Adewale Abideen Adeyemi","doi":"10.31332/LIFALAH.V3I2.1195","DOIUrl":"https://doi.org/10.31332/LIFALAH.V3I2.1195","url":null,"abstract":"The low-income households are perceived to have the right to take debt from excessfinanced group or entitled for some charity. However, this perception has blur their attitude towards charity-giving. Low-income should not consider themselves as 'the taker' in perpetual. They should instil giving behaviour and consider themselves as 'the giver'. Experts from financial education and Islamic finance areas are interviewed. Results from Analytic Network Process suggest that setting specific targeted behaviour is the most priority, with debt-taking focus of interest. Women apparently become the most urgent targeted audience of Islamic finance education. Before executing education program, participant’s belief towards Islamic value should be built. Experts suggest formal education institution be the most preferable place to establish the program, in collaboration with formal financial institutions to conduct the training and support from government budget. Introducing Islamic economics and finance values from the earlier stage of formal education would be suitable for future consideration.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42559617","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-12-31DOI: 10.31332/lifalah.v3i2.1199
S. Suharto, M. I. Fasa
This paper tries to offer business development model Pondok Modern DarussalamGontor Ponorogo Indonesia. Pondok Modern Darussalam Gontor success in managing30 business units formed its own characteristic. As for the characteristics of thebusiness unit management Pondok Modern Darussalam Gontor is: Planning based onthe value of cottage; Organizing based on regeneration; Transformative collectiveleadership; and Total Quality Control. In the implementation process, the characteristics of the management of the general shape characteristics, namely:Implementation Business Unit Based Learning By Doing; Implementation of SelfBerdruing System; Centralized Financial centralization; as well as the creation ofbalance and Baatinites lahiriyah Welfare.
本文试图提供Pondok Modern DarussalamGontor Ponorogo Indonesia的商业发展模式。Pondok Modern Darlas Gontor成功管理了30个业务单元，形成了自己的特色。就经营单元管理的特点而言，Pondok Modern Darlas Gontor是：基于小屋价值的规划；基于再生的组织；变革性的集体领导力；以及全面质量控制。在实施过程中，管理的特点大致形成特点，即：实施以业务单元为基础的边做边学；自助系统的实现；财政集中；以及创建balance和Baatinites lahiriyah福利。
{"title":"Model Pengembangan Manajemen Bisnis Pondok Modern Darussalam Gontor Ponorogo, Indonesia","authors":"S. Suharto, M. I. Fasa","doi":"10.31332/lifalah.v3i2.1199","DOIUrl":"https://doi.org/10.31332/lifalah.v3i2.1199","url":null,"abstract":"This paper tries to offer business development model Pondok Modern DarussalamGontor Ponorogo Indonesia. Pondok Modern Darussalam Gontor success in managing30 business units formed its own characteristic. As for the characteristics of thebusiness unit management Pondok Modern Darussalam Gontor is: Planning based onthe value of cottage; Organizing based on regeneration; Transformative collectiveleadership; and Total Quality Control. In the implementation process, the characteristics of the management of the general shape characteristics, namely:Implementation Business Unit Based Learning By Doing; Implementation of SelfBerdruing System; Centralized Financial centralization; as well as the creation ofbalance and Baatinites lahiriyah Welfare.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44117145","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
京公网安备 11010802042870号
京ICP备2023020795号-1
扫码关注我们
求助内容：
应助结果提醒方式：