This study aims to investigate the impact of social distancing policies on SMEs in Indonesia. It used a quantitative method with a survey design. Respondents were all SMEs in Indonesia that are affected by social distancing policies during the COVID-19 pandemic. It involved a total of 587 SME samples selected randomly. The data were collected through observations, questionnaires, and literature studies. The collected data were analyzed using descriptive statistics with SPSS software to determine the mean value. The result showed that social distancing policies affect SMEs during the COVID-19 pandemic. This is indicated by the decreasing income and demand for SMEs products, and even some have no income (mean values of 2.40) due to the social distancing policies. Besides, the policy’s impact is also shown in the increasing cost of raw materials and production costs due to supply chain problems (mean values of 4.79). The policy’s impact raises anxiety for SMEs to survive so that business actors change their plans by utilizing information technology (mean values of 4.81). This change is a strategy to survive due to the impact of the applied policies. Although social distancing policies affect SMEs’ survival during the pandemic, research findings show that SMEs in Indonesia did not terminate employment (mean values of 4.37) due to the presence of economic stimulus policies that helped SMEs survive and grow during the COVID-19 pandemic.
Research was conducted in several districts/city in Central Sulawesi Province in order to determine the effect of life expectancy, literacy rate, opened unemployment rate, and gross domestic regional income per capita on poverty at the districts/city in the province. The analysis used is Panel Data Regression. The results show that first, life expectancy and gross domestic regional income have a negative and significant impact on the poverty level in the districts/city in the Province. Second, the opened unemployment rate has a positive and significant effect on the poverty level in the districts/city in the province. Third, literacy rates show a positive effect and insignificant effect on the poverty level in the districts/city in the Province of Central Sulawesi. Fourth, these four variables simultaneously affect the poverty in the districts/city in Central Sulawesi
Some consumptive financing at Bank Muamalat and BMT are intended for customers such as mortgage products (home ownership) and vehicles, several types of contracts are executed, namely Musyarakah Mutanaqishah (MMQ). However, financing in the Musyarakah Mutanaqishah (MMQ) contract pattern still faces common problems. This study focuses on knowing the implementation of the Musyarakah Mutanaqishah (MMQ) contract on housing and vehicle financing. The research method used is a descriptive qualitative method with a literature review approach with data collection techniques namely literature study. The results showed that the implementation of the MMQ contract on housing and vehicle financing at Bank Muamalat and BMT was in line with DSN MUI Fatwa No. 73/DSN-MUI/XI/2008 concerning Musyarakah Mutanaqishah (MMQ), due to the existence of terms and conditions that there is a capital contribution of both parties between Islamic financial institutions and customers. The customer asks the financial institution to issue a partnership capital for the purchase of a house/vehicle, then the financial institution also includes partial/complementary capital so that it is referred to as an association/musyarakah then the customer pays the rent, and shares the proceeds with the bank.
Knowing the mechanisms in management of waqf management is very important to know both individuals and waqf institutions. The Indonesian Charity Foundation continues to make efforts to achieve maximum prosperity. However, what is the management if reviewed by fiqh, compilation of Islamic law and Law no. 4 of 2004 concerning representatives. This study uses a type of qualitative research with descriptive analysis and socio-historical approach to determine the observed organizational behavior. Exploration of the foundation's programs, events, and activities was analyzed by a normative theological approach (fiqh, KHI) and the law to find out the implementation of cash waqf activities in a review of compilation of Islamic law and legislation on representation. Until finally it was discovered the management of cash waqf management, and knew the mechanism for the distribution of cash waqf management benefits based on the principles of "Giving", "Inspiring" and "Ikhlas" in establishing mauquf alaihi.
The development of e-commerce continues to increase from year to year following the development of information and communication technology. E-commerce has had a significant impact on various sectors. E-commerce can reduce the flow of human traffic but increase the flow of goods traffic. In the modern era, humans have felt comfortable with this e-commerce. Just by being at home, various types of needs can be ordered through an online application and the items needed arrive at the buyer's house. For companies, e-commerce can improve efficiency and productivity. For the community, e-commerce can help increase economic growth and business opportunities. But at the same time, it poses challenges and problems in terms of security and trust. And is e-commerce not against Islamic law? This study examines how Islamic fiqh views e-commerce or online shop businesses whose data is obtained from related journals in 2012 – 2022. The method used in this study is the Systematic Literature Review (SLR) method. The SLR method is used to identify, review, evaluate, and interpret all available research with topic areas of interest to phenomena, with specific relevant research questions. The result is e-commerce is identical to the as-salam trade (buying and selling in fiqh muamalah), namely the purchase of goods received after payment is made up front in cash and is considered to meet the requirements of as-salaam.
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