TAWAZUN: JURNAL EKONOMI SYARIAH

EFEKTIVITAS BUDAYA KARNIVAL SEBAGAI TRENDSETTER KOSTUM DAN PEMASARAN PRODUK DI DESA GEDOG WETAN MALANG

ANA NURWAKHIDAH — 2024-12-27

This research examines the effectiveness of the annual carnival in Gedokwetan Village as a costume trendsetter and a marketing platform for costume rental businesses, particularly Ambar Rental. The carnival plays a crucial role in increasing Ambar's revenue by introducing innovative modifications to traditional costumes based on customer preferences. The study uses a qualitative case study approach with observations, interviews, and documentation. The results show that the carnival significantly boosts Ambar’s income and expands its market reach locally and regionally through social media-based marketing strategies. The study concludes that Ambar's ability to innovate and adapt to customer demands positions it as a trendsetter in the rental industry, while the carnival enhances brand awareness and long-term customer engagement.

Good Corporate Governance Lembaga Wakaf: Studi Pada Badan Wakaf Indonesia (BWI)

Nanang Setiawan — 2024-12-27

Seiring dengan meningkatnya perhatian terhadap aspek transparansi dan akuntabilitas dalam pengelolaan lembaga wakaf di Indonesia, implementasi Good Corporate Governance (GCG) menjadi kunci untuk mencapai kinerja yang optimal dan berkelanjutan. Penelitian ini berfokus pada pengujian pengaruh GCG terhadap kinerja lembaga wakaf di Indonesia. Data dikumpulkan melalui kuesioner yang disebarkan kepada Nazhir Wakaf yang berada di bawah pengawasan Badan Wakaf Indonesia (BWI), dengan partisipasi sebanyak 125 Nazhir Wakaf. Hasil penelitian menunjukkan bahwa penerapan GCG memiliki pengaruh yang signifikan terhadap kinerja lembaga wakaf di Indonesia. Penelitian ini memberikan bukti empiris bahwa prinsip-prinsip GCG dapat secara nyata meningkatkan kinerja lembaga wakaf, sekaligus mendukung pengelolaan aset wakaf yang lebih transparan dan efektif. Temuan ini juga menjadi panduan penting bagi para pengelola wakaf dalam memahami urgensi GCG serta dapat dijadikan acuan bagi BWI dan pembuat kebijakan dalam menyusun pedoman dan kebijakan tata kelola lembaga wakaf yang lebih baik di masa mendatang

Peran Zakat dalam Mengurangi Kesenjangan Ekonomi di Indonesia: Perspektif Makro Ekonomi Syariah

Abdullah Jimly Hasanal Adhim — 2024-12-27

This research analyzes the role of zakat in reducing economic inequality in Indonesia through a sharia macroeconomic perspective. As an important instrument in the distribution of wealth, zakat has great potential to improve social welfare and create economic justice. This study uses a qualitative-descriptive approach with secondary data analysis methods from literature and reports of zakat institutions in Indonesia. The research results show that effective zakat management can encourage income redistribution, reduce poverty rates, and increase the empowerment of poor communities. From a sharia macroeconomic perspective, zakat not only functions as an obligation of worship, but also as an economic stabilization mechanism that can reduce economic inequality significantly. To achieve maximum potential, it is necessary to strengthen regulations, increase transparency, and synergize between zakat institutions and the government in economic empowerment programs.

ANALISIS MODEL ZMIJEWSKI (X-SCORE) UNTUK MEMPREDIKSI KONDISI FINANCIAL DISTRESS PADA BANK UMUM SYARIAH DI INDONESIA

Eryul Mufidah — 2024-12-29

This study aims to determine the prediction of the Zmijewski x-score model in deciding the financial distress conditions of Islamic commercial banks in Indonesia for 2018-2022. The method used in this study is a quantitative descriptive method, namely research used to determine the value of a variable. The data analysis model used is the Zmijewski Model (X-Score). The sampling method uses purposive sampling, namely with certain criteria. The type of data used in this study is secondary data with documentation techniques from the official website of the Financial Services Authority, namely www.ojk.go.id. The sample in this study is Islamic Commercial Banks registered with the OJK. The data used is the financial statements of Islamic Commercial Banks for 2018-2022. The results of the study show that the calculation of financial distress predictions in Islamic commercial banks for the 2018-2022 period using the Zmijewski Model shows that in 2018 two companies were experiencing financial difficulties, namely Bank Muamalat Indonesia and Bank Aladin Syariah with values of 0.61872 and 26.1966. at the same time, the other six banks are in a healthy condition (non-distress). In 2019 and 2020, only one company experienced (distress), namely Bank Muamalat Indonesia with a value of 0.79464. While seven companies are healthy (non-distress). In 2021, four banks experienced (distress), namely Bank Muamalat Indonesia at 0.90356, Bank Panin Dubai Syariah at 30.71616, Bank Syariah Bukopin at 19.4852, and Bank Aladin Syariah at 35.573. while the other four banks are in good condition (non-distress). In 2022, three banks were experiencing (distress), namely Bank Muamalat Indonesia at 0.47384, Bank Syariah Bukopin at 1.1482, and Bank Aladin Syariah at 45.238. While the other five companies are in good condition (non-distress).

STRATEGI BAURAN PEMASARAN TABUNGAN HAJI DI KSPPS BMT MANDIRI ARTHA SEJAHTERA JAWA TIMUR CABANG SUMBERREJO BOJONEGORO

Sugito — 2024-12-29

Penelitian ini bertujuan untuk mengetahui penerapan strategi bauran pemasaran tabungan haji dan kendalanya di BMT Mandiri Artha Sejahtera Sumberrejo. Penelitian ini menggunakan penelitian deskriptif kualitatif. Hasil penelitian menunjukkan bahwa strategi bauran pemasaran tabungan haji di BMT Mandiri Artha Sejahtera Sumberrejo ada 4p yaitu produk, harga, tempat dan promosi. Hal ini dilakukan BMT untuk memperkenalkan dan menarik minat masyarakat terhadap produk yang ditawarkan, salah satunya produk tabungan haji. Kendalanya, yaitu lokasi BMT yang baru pindah beberapa bulan yang lalu membuat masyarakat belum banyak yang mengetahui lokasi BMT saat ini, persaingan pemasaran produk yang semakin ketat karena banyaknya lembaga keuangan yang berkembang saat ini. Maka, solusi yang dilakukan BMT untuk menghadapi kendala tersebut, yaitu dengan melakukan jemput bola ke anggota yang benar-benar ingin menjadi anggota di BMT, melakukan promosi dengan menggunakan media sosial berupa WhatsApp dan lain-lain.