Cybercrime in Indonesia is the first tier in the world and Indonesia also grabs a second level on hacking activities, and both are in line with the rapid development of technology in these decades. There is no rule in Islam to avoid the development of science in this case technology, but Islam still regulate the obligation of tithe as long as humans are still alive in the world, zakat maal is an obligation in Islam with the specific rules, zakat maal is considered able to solve the problem of income inequality. Further technological sophistication is also considered as a tool for the implementation of such obligations. This study aims to address the risks that are likely or even inevitable in the activities of zakat maal in the fintech era. Library research is the main way in conducting this research to answer a problem. This study resulted in a finding in the form of an application that is connected with the zakat institution BAZNAS shade and detail how its use includes calculation of nisab zakat, distribution of zakat, control of distribution and prevention of fraud that may occur. This is the first time in the history of the study, because this study discusses in detail how to overcome and overcome the risks that exist in the use of technology to implement the obligations of zakat maal.
This article aimed to examine and analyze the effect of Spiritual Leadership and Psychological Empowerment on Employee Performance. Respondents were leaders or employees at YPPBU (Bahrul Ulum Islamic Boarding School Foundation) Jombang, totalling 64 respondents. Data were analyzed using Partial Least Square (PLS) with SmartPLS software version 3.0 and the relationship between variables. The results showed that Spiritual Leadership had no significant effect on Employee Performance (T Statistics: 0.925, P Values: 0.355). Psychological Empowerment has a considerable impact on Employee Performance (T statistic: 7,790, P Values: 0.000). Spiritual Leadership has a significant effect on Psychological Empowerment (T Statistics: 6,531, P Values: 0.000). Furthermore, Spiritual Leadership and Psychological Empowerment have no specific considerable impact on Employee Performance (T Statistics: 3,966, P Values: 0.000). Psychological Empowerment has a mediating role on Spiritual Leadership to Employee performance. The Spiritual Leadership and Psychological Empowerment felt by YPPBU's Leaders or Employees are directly proportional to the resulting performance. Changes in Spiritual Leadership and Psychological Empowerment will also affect Employee Performance.
This article explains that (1) The Post-Merger Dual Banking System is banking that has been implemented in Indonesia. Management of assets together with third party funds with large incomes that have been obtained from conventional banks and Islamic banks, third party funds that run accordance with funding and lending. Conventional banks and Islamic banks provide credit financing to MSMEs (Micro, Small and Medium Enterprises) and differentiate in operations between conventional banks and Islamic banks, (2) this study aims to determine the concept of managing and distributing funds in the dual banking system in Indonesia before and after the merger, (3) the method used is a qualitative method in the form of a library (library research), (4) the results of the study that between Islamic and post-merger conventional banks continue to operate credit funds to the public.
KSPPS BMT PETA adalah Koperasi Simpan Pinjam Pembiayaan Syariah yang didirikan oleh Pondok Pesantren Pesulukan Thoriqah Agung, yang dalam praktiknya tidak lepas dari nilai-nilai ajaran thoriqah. Namun demikian KSPPS BMT PETA mengalami perkembangan yang cukup pesat. Maka dari itu Peneliti tertarik untuk menganalisis praktik Islamic Spiritual Capital di KSPPS BMT PETA. Penelitian ini merupakan jenis penelitian eksploratif. Pendekatan yang digunakan adalah pendekatan kualitatif Deskriptif. Data-data dikumpulkan melalui Observasi, Wawancara dan Dokumentasi. Selanjutnya dianalisis yaitu mengaitkan temuan dengan teori yang ada menggunakan pendekatan teori fenomenologi. Hasil penelitian ini menunjukan bahwa telah diterapkanya praktik Islamic Spiritual Capital di KSPPS BMT PETA berupa praktik bekerja dengan Ikhlas, menghadirkan nilai dan etika, dan bekerja yang terbaik.
Baitul Mal Wat Tamwil is a sharia-based financial institution that manages the financial deposits and financing. Strategy in Marketing BMT At-Tajdid Temayang Bojonegoro Temayang planned to build community confidence that BMT At-Tajdid Temayang Bojonegoro is a business hall in which there are activities to develop Productive efforts and investments in improving the quality of economic activity and also building community confidence that at the BMT At-Tajdid Temayang Bojonegoro can manage the savings with the trust, but with the marketing strategy Whether BMT as a financial institution can compete with conventional financial institutions although the products, prices, places, and promotions have not been adequate so that the main problem will be observed by researchers. The results showed that the variable marketing strategy (product, price, place, promotion) simultaneously had an effect on funding and lending. It can be proved that the value F count > F table or 99.847 > 4.20. While based on a partial test of a variable marketing strategy the product has a significant effect on funding and lending, it can be proved that the product marketing strategy value T count more > T table or 3.709 > 2.059, price 0.045 > 0.50, place 0.240 > 0.50, Promotion 2.205 > 2.059. The results of this test resulted in a coesophageal determination (R ²) of 0.963 That means 96.3% of the marketing strategy variable in the influence of variable funding and lending while the remaining 3.7% in the influence of other variables that are not conscientious in research This.
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