This article aims to analyze the halal industry lately is developing rapidly throughout the needs of the community. Indonesia is one of the world's largest halal product markets because it has favourable demographic conditions. Regulations on the submission of halal products in Indonesia itself have not led to the use of Islamic financial institutions in terms of the certification assessment. Even though the Qur'an and the hadith have explained that in doing business, how to get capital must also come from halal sources. This study uses a qualitative method by conducting a literature review on related references. The author found that the JPH Law (Halal Product Guarantee), and the halal certification requirements of LPPOM MUI, have not included finance as one requirement or assessment indicators in halal product certification. Financial indicators should be able to be one indicator in the certification of halal products because finance is one of the initial sources (upstream / input) of the creation of halal products.
Financial inclusion is an issue that is being echoed by the government together with other authorities and stakeholders. One of the main targets of financial inclusion besides households is the MSMEs. Some indicators of financial inclusion, namely access, use and quality. This study aims to analyze how the influence of Islamic banking inclusion (BUS and UUS) from access indicators to the distribution of MSME financing. The access indicator used is the number of Islamic banking offices which include KP, KC, KCP and KK. This research uses a quantitative method with a VAR (Vector Autoregression) model. The results showed that the number of BUS and UUS offices affect MSMEs in Islamic banking financing. In addition, Islamic banking in Indonesia is still not optimal in channeling financing to MSMEs. Various ways can be done by Islamic banking in order to expand access to MSME actors, including developing the Financial Technology (Fintech) system, expanding Islamic banking agents through the Laku Pandai program and expanding cooperation with MSME stakeholders.
Islamic boarding school is one of the oldest Islamic education institutions in Indonesia. The majority of Islamic boarding schools in Indonesia are foundations. As an institution or non-profit entity, Islamic boarding schools also need to do an institutional transformation so that it can continue to grow and be trusted by stakeholders. So far, the financial reporting of Islamic boarding schools does not have standardization. So that each boarding school has a different form of financial reporting. In the end, Bank Indonesia and the Indonesian Institute of Accountants (IAI) developed the Pesantren Accounting Guidelines (PAP). Pesantren Accounting Guidelines are one of the programs in the development of pesantren economic independence. This article aims to describe the challenges faced by Islamic boarding schools in achieving accountable Islamic education institutions. Based on the literature review, there are three challenges in Islamic boarding schools in order to become an accountable Islamic educational institution, namely the boarding school human resources in the field of accounting, cooperation between related institutions and the use of technology. Islamic boarding schools must increase or increase competent human resources in the fields of accounting and financial reporting. Collaboration between related institutions can help boarding schools in increasing accountability. The provision of technology and the procurement of a type of software or application can make it easier for Islamic boarding school human resources to prepare financial reports in accordance with financial accounting standards (SAK), in this case in accordance with Islamic Boarding School Accounting Guidelines.Keywords: Islamic Boarding School, Accountable, Islamic Boarding School AccountingJEL Classification Codes: L31, Z12, Z18
Artikel ini bertujuan untuk memberikan gambaran atau mendeskripsikan komponen-komponen yang harus dipenuhi dalam membangun bisnis dengan ekosistem yang halal, baik dari segi proses atau produksi maupun dari sisi non produksi. Metodologi yang digunakan dalam artikel ini adalah metode kualitatif dengan pendekatan literature research atau literature review. Artikel ini menjelaskan atau mendeskripsikan beberapa hal yang harus diperhatikan dalam membangun bisnis dengan ekosistem halal, yaitu komponen keuangan (finance), produksi dan distribusi. Keuangan merupakan komponen yang berada di hulu dalam ekosistem bisnis halal. Produksi merupakan suatu proses pembuatan suatu produk berupa barang atau jasa yang akan menjadi produk bisnis halal. Ketika memproduksi barang atau jasa yang syariah, maka seluruh bahan baku dan prosesnya juga harus sesuai dengan standar halal. Distribusi merupakan komponen terakhir dalam halal supply chain ecosystem yang menyalurkan produk barang atau jasa serta menyajikannya. Dalam proses pendistribusian, produk harus dipastikan terpisah dari produk yang tidak halal dan dipastikan tidak ada perubahan pada zat produk ketika proses distribusi, sehingga produk tetap halal dan thayib. Melalui artikel ini, penulis berharap agar bisnis syariah atau bisnis halal dapat menyempurnakan ekosistem halalnya agar menjaga halal dan thayib suatu produk.
Abstract. Islamic Financial and Islamic Boarding School Literacy (Case study at Modern Islamic Boarding School Asy-Syifa Balikpapan). This study aims to determine the understanding or the Islamic banking literacy among teachers councils of Pondok Modern Ash-Shifa Balikpapan. Besides, the reason for selecting the board of teachers in the use of banking products and services also been discussed in this study. The lack of use of the products and services of Islamic banking among teachers councils of Pondok Modern Ash-Shifa is the focus of the problem in this research. Boarding school as a religious institution to study various classical and contemporary books, especially those related fiqh muamalah is an institution that has an important role in providing Islamic financial literacy for the community. Boarding charismatic cleric is one of the most important figures to provide insight to the public about Islamic banking. However, in reality Pondok Modern Balikpapan Ash-Shifa is not like that. The research method used by writer is a qualitative research survey data collection techniques and interviews. The survey states that 50 members of the council of teachers surveyed, only 16 members of the board of teachers who use Islamic banking products. Furthermore the survey stated that the entire board teachers are customers of savings products sharia. The results of the interview proved that literacy on Islamic banking in Pondok Modern Ash-Shifa Balikpapan still low (less literate). Low literacy Islamic banking is due to lack of socialization and education more depth to the board of teachers Pondok Modern Ash-Shifa. Abstrak. Literasi Keuangan Syariah dan Pondok Pesantren (Studi Kasus Pondok Modern Asy-Syifa Balikpapan). Penelitian ini bertujuan untuk mengetahui pemahaman atau literasi perbankan syariah di kalangan dewan guru Pondok Modern Ash-Shifa Balikpapan. Selain itu, alasan untuk memilih dewan guru dalam penggunaan produk dan layanan perbankan juga telah dibahas dalam penelitian ini. Kurangnya penggunaan produk dan layanan perbankan Islam di kalangan dewan guru Pondok Modern Ash-Shifa adalah fokus masalah dalam penelitian ini. Pesantren sebagai lembaga keagamaan untuk mempelajari berbagai buku klasik dan kontemporer, terutama yang terkait fiqh muamalah adalah lembaga yang memiliki peran penting dalam memberikan literasi keuangan Islam bagi masyarakat. Membajak ulama kharismatik adalah salah satu tokoh terpenting untuk memberikan wawasan kepada masyarakat tentang perbankan Islam. Namun, kenyataannya Pondok Modern Balikpapan Ash-Shifa tidak seperti itu. Metode penelitian yang digunakan oleh penulis adalah teknik pengumpulan data survey penelitian kualitatif dan wawancara. Survei tersebut menyatakan bahwa 50 anggota dewan guru yang disurvei, hanya 16 anggota dewan guru yang menggunakan produk perbankan syariah. Selanjutnya survei menyatakan bahwa seluruh pengurus dewan adalah pelanggan produk tabungan syariah. Hasil wawancara membuktikan bahwa literasi perbankan Islam di Pondok Modern Ash-Shifa Balikpapan masih rendah (kurang melek huruf). Rendahnya literasi perbankan Islam adalah karena kurangnya sosialisasi dan pendidikan yang lebih mendalam kepada dewan guru Pondok Modern Ash-Shifa.
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