ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah

ANALYSIS OF THE INTERMEDIATION FUNCTION OF THE SYARIAH RURAL FINANCE BANK (BPRS) AMANAH UMMAH FINANCING INSTITUTION IN DEVELOPING THE MICRO, SMALL AND MEDIUM ENTERPRISE (MSME) SECTOR IN WEST BOGOR

Ahmad Cholil , Apung Sumengkar, Muhammad Imdadun Rahmat — Wed, 09 Jul 2025 00:00:00 +0000

Bank Pembiayaan Rakyat Syariah is a sharia bank that in its activities does not provide services in payment transactions. The legal form of BPRS is a limited liability company. BPRS may only be owned by Indonesian citizens and/or Indonesian legal entities, local governments, or partnerships between Indonesian citizens or Indonesian legal entities and local governments. The MSME sector has advantages and is very potential to be further developed through appropriate policies and support from appropriate institutions. The main problem faced by the MSME sector is in the form of capital. Data collection techniques are a method used by researchers to capture or collect qualitative information from interviews, documentation, research observations. The intermediary role of BPRS Amanah Ummah carried out by the bank does not yet exist, however, BPRS Amanah Ummah continues to help the community in order to meet their needs and provide subsidized housing to the poor and also distribute tabarru funds "such as zakat, infaq and shodaqoh. The Influence of the Murabahah Financing Intermediation Function of BPRS Amanah Ummah on the Welfare of MSME Actors in West Bogor through family, deliberation, and negotiation through customer summons or warning letters, rescheduling, and selling "together" collateral. Because according to BPRS Amanah Ummah, it does not take long and the costs incurred are relatively cheaper. The results of research that has been tested using the t test analysis technique explain that there is an influence of BPRS financing on the growth of West Bogor

EMPOWERMENT OF MICRO-ENTERPRISES BASED ON ZAKAT, INFAK AND ALMS (ZIS) AT LAZ DAUD BOGOR

Rijal Tamami, Yaya Ruhenda Casmita Pujiharto, Apung Sumenkar — Wed, 09 Jul 2025 00:00:00 +0000

Micro enterprises play a crucial role in national economic development but often face challenges, particularly in accessing capital and financing. This study aims to examine the mechanisms of collection, management, and distribution of Zakat, Infak, and Sedekah (ZIS) funds by LAZ Daud Bogor in supporting micro enterprise empowerment, as well as to analyze the internal and external factors influencing the program through SWOT analysis. The research employs a qualitative descriptive approach with data collected through interviews, observations, and documentation at LAZ Daud Bogor and its affiliated micro enterprise community. The results indicate that the ZIS fund management mechanism operates in a structured and transparent manner, focusing on capital provision, training, market access, community network strengthening, product development, and sustainability of micro enterprises. The SWOT analysis identifies strengths such as stable funding sources and solid community networks, weaknesses including limited human resources and monitoring, opportunities from government support and digital technology, and threats such as economic instability and market competition. The strategic position of the program lies in the Strengths-Opportunities (SO) quadrant, enabling the implementation of aggressive and innovative strategies to expand social and economic impact sustainably. This study provides strategic recommendations to enhance the effectiveness of micro enterprise empowerment based on ZIS at LAZ Daud Bogor.

ANALYSIS OF ZAKAT MANAGEMENT DURING THE TIME OF UMAR BIN KHATTAB AND ITS RELEVANCE TO BAZNAS

Taufik Hidayat , Apung Sumengkar, Aryo Sasongko — Wed, 09 Jul 2025 00:00:00 +0000

This study aims to analyze the zakat management system during the reign of Caliph Umar ibn Khattab and examine its relevance to the zakat management practices implemented by the National Zakat Agency (BAZNAS) in Indonesia. The research method used was descriptive qualitative, using a library research approach, reviewing primary and secondary sources related to zakat management during the Caliphate era and contemporary zakat regulations. The results show that Umar ibn Khattab implemented a structured, transparent, and social welfare-oriented zakat management system, including systematic data collection of mustahik and muzakki (recipients of zakat), distribution of zakat according to need, and strict supervision of zakat collectors. These values are strongly relevant to the zakat governance principles implemented by BAZNAS today, particularly in terms of transparency, accountability, and the utilization of zakat for the economic empowerment of the community. By adopting the spirit and policies of Umar ibn Khattab's zakat, BAZNAS can strengthen its strategic role in building social justice and reducing economic disparities in Indonesia.

THE IMPACT OF GREEN SUKUK ON SUSTAINABLE DEVELOPMENT OF GREEN INFRASTRUCTURE IN INDONESIA

Teguh Imanudin, Apung Sumengkar, Ria Kusumaningrum — Wed, 09 Jul 2025 00:00:00 +0000

This study aims to analyze the influence of green sukuk issuance on the sustainable development of green infrastructure in Indonesia. Green sukuk is a sharia financial instrument used to fund environmentally friendly projects, has received attention as one of the solutions to overcome the challenges of climate change and support the development of green infrastructure. In this study, the researcher used the observation method and secondary data documentation on the website of the Directorate General of Financing and Risk Management of the Ministry of Finance (DJPPR Kemenkeu), Databoks katadata, Financial Services Authority (OJK), National Development Planning Agency (BAPPENAS), Ministry of Environment and Forestry (KLHK) which were used as primary data in this study to prove the impact of green sukuk issuance on the sustainable development of green infrastructure. This study uses a simple linear regression statistical analysis method. The results of statistical analysis were carried out using SPSS 26 software. So the equation of PBIH regression model PBIH = 4.169 + 0.026GS + e was obtained. Green sukuk affects 37.3% of the Sustainable Development of Green Infrastructure in Indonesia. Therefore, the increase or decrease in the GS variable will affect the increase or decrease of the PBIH variable because the effect is positive.

STUDENTS' PERCEPTION OF MADRASAH AL-MUKHLISIN TOWARDS THE IMPLEMENTATION OF SUSTAINABLE SHARIA ECONOMICS LEARNING

Toyib, Muhammad Imdadun Rahmat , Yaya Ruhenda Casmita Pujiharto — Wed, 09 Jul 2025 00:00:00 +0000

This study aims to examine the perceptions of students of Madrasah Aliyah Al-Muhlisin regarding the implementation of sustainable sharia economic learning. The method applied in this study is quantitative descriptive, with data collection carried out through questionnaires and interviews. The sample analyzed consisted of 48 students, taken using purposive sampling techniques. The data obtained were analyzed using descriptive statistical techniques, assisted by SPSS software. The results of the study indicate that students' perceptions of sustainable sharia economic learning are relatively positive. The majority of students believe that the teaching methods used are quite effective in improving their understanding of sharia economic concepts. Many factors influence students' understanding, including the teaching approach applied by teachers, the availability of teaching materials, and the existence of direct practice in everyday life. The validity test shows that all items in the questionnaire are valid. Meanwhile, the reliability test of variable X (Student Perception) produces a Cronbach's Alpha value of 0.300 and variable Y (Sustainable Sharia Economic Learning) produces a Cronbach's Alpha value of 0.286, indicating that the research instrument has high reliability. In addition, the results of the simple linear regression analysis produced a constant value of 57.603 with a positive value, this can be interpreted that the variables Student Perception (X), and Sustainability of Islamic Economic Learning (Y) are constant and will experience an increase in sustainability of 57.603%. This study recommends that schools improve the quality of Islamic economics teaching by providing more comprehensive teaching materials and training for teachers so that teaching methods become more innovative. Students are also expected to be more active in seeking additional references and being involved in activities related to Islamic economics. Future research is expected to expand the scope of the study by using more in-depth methods.

ANALYSIS OF SHARIA FINANCIAL INCLUSION AND HALAL INDUSTRY INVESTMENT ON HALAL INDUSTRY DEVELOPMENT IN INDONESIA

Trisia Amalia, Apung Sumengkar, Ria Kusumaningrum — Wed, 09 Jul 2025 00:00:00 +0000

The halal industri is a strategic sector that has great potential in driving national economic growth, especially in countries with a Muslim majority population like Indonesia. Sharia financial inclusion is one of the important prerequisites in expanding public access to financial services that comply with sharia principles, while investment in the halal sector is considered capable of increasing production capacity, innovation, and the competitiveness of the domestic halal industri. The purpose of this study is to determine the Effect of Sharia Financial Inclusion and the Halal Industri on the Development of the Halal Industri in Indonesia. This type of research is quantitative research using secondary data obtained from primary data in the form of Sharia financial data and halal industri investment in 2021-2024 from the Financial Services Authority. The analysis method used in this study is the Multiple Linear Regression method processed using SPSS Version 26. The results of the study show that increasing sharia financial inclusion contributes positively to the development of the halal industri through expanding access to financing, insurance, and sharia investment for business actors. In addition, increasing investment in the halal industri has a significant impact on expanding production capacity, distribution, and innovation of halal products. Both variables have a synergistic relationship and mutually reinforce each other in creating a conducive ecosystem for sustainable halal industri growth. This finding underlines the importance of a strategy to strengthen Islamic financial inclusion and increase investment to strengthen the competitiveness of the halal economy in Indonesia.