lab

Banalitas Empowerment Program, Perlukah Rekonstruksi Pemberdayaan Ekonomi Perempuan?

Apik Anitasari Intan Saputri, Nita Triana, Laily Liddini — Fri, 28 Jun 2024 00:00:00 +0700

The purpose of this writing is to explore and reveal government empowerment programs that are not on target. This paper is a non-doctrinal research with qualitative analysis.Gender inequality limits the role of women to access various resources. These limitations make women more vulnerable to poverty. Women's participation as a driver of the family economy is important to get support from the government. In accordance with the mandate of Permendagri Number 1 of 2013 concerning Community Empowerment through the Family Empowerment and Welfare Movement. The result of this study is that the Empowerment and Poverty Alleviation Program in the former Banyumas Resident area has been carried out, but the absorption of funds in the program is still not optimal. This paper is a non-doctrinal research with qualitative analysis. The result of this study is that the Empowerment and Poverty Alleviation Program in the former Banyumas Resident area has been carried out, but the absorption of funds in the program is still not optimal. One of the main factors is the lack of knowledge of the local apparatus in preparing the budget draft, lack of digging Asset Based Communities from the village so that women's empowerment programs experience banality, the target funds that should be used optimally are very slow, not on target. The findings of this study, with the empowerment of women through a productive economy through groups in villages more benefits for families, members can obtain and meet their living needs quickly with the management of funds in their community groups such as KUB (joint business group) Berkah Jaya and also the Inyong Garbage Bank, The government needs to reactualize the empowerment program to the community not only through the top down system but what is needed is bottom up so that the needs of local wisdom from each group in the village can be achieved properly.

Keyword:Empowerment, Women, Economy, Family

Faktor Determinan Keputusan Menabung dengan Minat Sebagai Variabel Intervening

Mila Fursiana Salma Musfiroh, Afiska Eka Zahra, M. Elfan Kaukab — Fri, 28 Jun 2024 14:51:46 +0700

Penelitian ini bertujuan untuk mengetahui pengaruh variabel religiusitas, pengetahuan, promosi, lokasi dan kualitas pelayanan terhadap keputusan menabung. Religiusitas masyarakat yang hanya memandang lembaga keuangan syariah sama saja dengan lembaga keuangan konvensional. Keinginan masyarakat untuk menabung dapat terhalang oleh lokasi yang jauh, aktivitas maupun kesibukannya. Selain itu, rendahnya pengetahuan masyarakat tentang lembaga keuangan syariah sehingga mempengaruhi keputusan menjadi anggota lembaga keuangan syariah. Populasi dalam penelitian ini adalah anggota BMT Ben Sejahtera cabang Rawalo Banyumas. Jumlah sampel dalam penelitian ini sejumlah 92 responden. Data yang didapatkan kemudian dianalisis dengan menggunakan teknik analisis PLS (Partial Least Square) melalui software SmartPLS 4.0. Hasil penelitian menunjukkan faktor pengetahuan, promosi, dan lokasi tidak berpengaruh terhadap minat anggota menabung di lembaga keuangan syariah. Sedangkan faktor religiusitas dan kualitas pelayanan menjadi variabel yang paling mempengaruhi minat anggota dalam mengambil keputusan menabung di lembaga keuangan syariah.

Penanganan Pembiayaan Gadai Bermasalah pada BMT Syariah NU Ngasem Kantor Cabang Paron Kabupaten Ngawi

Siti Sulandari, Kasmiati Kasmiati — Fri, 28 Jun 2024 14:58:40 +0700

Financing is funding provided by one party to another party to support planned investments. In Sharia banking financial institutions, financing is an asset whose quality must be assessed based on the principle of prudence. Rahn is a form of debt and receivable agreement, which gains the trust of the person who owes the debt. Rahn Tasjily financing is a contract which guarantees an item for someone's debt, where the agreement between both parties states that the borrower only submits legal proof of ownership to the collateral recipient (murtahin), so that the physical collateral of the item remains in the control and use of the collateral provider. (rahin). Realization of financing is not the last stage of the financing process because
it is impossible for a long period of time without financing problems to occur. The main problem in this research is the handling methods applied by BMT in an effort to resolve problematic financing. The type of research used is qualitative research, namely field research. Data collection methods through interviews and
documentation. From the results of this research, it can be seen that resolving problematic financing at BMT NU Ngasem Paron branch uses three methods,
namely the approach method, Restructuring, and rescheduling.
Keywords: Rahn, problematic financing, resolution

Persepsi Label Halal dan Pemasaran Digital "Nglarisi" dalam Meningkatkan Penjualan pada UMK Gandeng-Gendong Yogyakarta

Siti Mariam, Imelda Fajriati — Fri, 28 Jun 2024 15:49:05 +0700

This research aims to analyze and explore the perceptions of Micro and Small Enterprises (UMK) regarding the effectiveness of the halal label factor and "Nglarisi" digital marketing in increasing sales. This research is conclusive research with a qualitative approach, which is based on phenomena in the field. Data was collected through interviews and documentation of MSE actors who are members of the Gandeng-Gendong group. Gandeng-Gendong itself is one of the Yogyakarta City government programs which was formed to reduce and alleviate poverty, as well as to improve community welfare. The research results show that the halal label factor is seen as not being effective in increasing sales for the MSEs in the Gandeng-Gendong group. The majority of buyers do not question whether there is a halal label on the packaging, but it is the attitude of trust towards the seller that is more deeply rooted in the minds of buyers. The digital marketing factor through the "Nglarisi" application is seen as positive by business actors. That means the digital marketing through the "Nglarisi" application is quite effective in increasing sales.

Cash Waqf Linked Sukuk (CWLS) sebagai Implementasi Filantropi Islam Berkelanjutan

Siti Alfidhatun — Fri, 28 Jun 2024 16:09:55 +0700

Cash Waqf Linked Sukuk (CWLS) is an innovative instrument of state sukuk with waqf. The novelty of this innovation needs to be analyzed for the distribution of funds and their usefulness. The purpose of this research is to analyze the impact of CWLS in Islamic philanthropy. This research uses qualitative methods with library research. The data obtained comes from OJK financial reports, journals, articles, and documents related to CWLS. The results of this study show that the first series of CWLS (SW0001) was used for the development of the Retina and Glaucoma center at Achmad Wardi Eye Hospital, Serang, Banten Province. This is in accordance with Islamic philanthropy as a form of social and sustainable generosity.

Manajemen Risiko pada Perusahaan Asuransi Syariah di Indonesia

Aniesatun Nurul Aliefah, Hanifah Marsatiya, Putri Kusumaningrum, Akrom Amrulloh — Sat, 29 Jun 2024 08:19:17 +0700

This study aims to find out how underwriting risk management in Sharia insurance companies in Indonesia. This research uses a descriptive qualitative approach, which is based on secondary data obtained from books, journals and other supporting documents relevant to the research conducted. The results of this study show that risk management in Sharia insurance is one of the important aspects that must exist to achieve the goals of a company. Risk management is a collection of actions used to find, measure, supervise and manage risks that will arise in the future in non-bank financial institutions. The types or categories of risk include Increasing risk, Decreasing Risk, and Constant Extra Risk. The underwriting process that sharia insurance companies go through includes submitting a request letter, risk analysis, then issuing a policy.

Keywords : Risk Management, Sharia Insurance, Underwriting