Dr. Achmad Firdaus, M.Si., AAAIJ
Peneliti LPPM Tazkia
Tanggal Publikasi: 1 Okt 2023
Impact of Financing Problems on Baitul Mal wa Tamwil during Covid-19
The informants of the study are top management and members of BMT Al Hidayah Kotaraja Lombok Timur.
Tanggal Publikasi: 19 Sep 2023
The Influence of Islamic Service Quality and Trust on Customer Satisfaction and Intention in Reusing The Services in The Implementation of Umrah and Special Hajj Pilgrimage.
Hasil penelitian menunjukkan, kualitas pelayanan islami y perusahaan travel dan kepercayaan jamaah memiliki pengaruh yang signifikan terhadap kepuasan pelanggan yang dirasakan oleh jamaah umroh dan haji khusus,
Tanggal Publikasi: 18 Jul 2023
Islamic Business and Performance Management: The Maslahah-Based Performance Management Systemd
his unique book discovers a new dimension in the study of strategic and performance management in Islamic Business studies. It addresses the missing link of spirituality from modern-day organizational structure in the presence of high-tech pressure in all areas of human endeavours. The authors propose an integrated study of Islamic business approach to strategic and performance management systems to achieve sustainable organizational performance. The book explores employees’ wellbeing and organizations’ perceiving work environment as a spiritual pathway to cultivate values in Islamic business ecosystem to sustain humanity. It is all about care, empathy, and sustenance of others, about truthfulness and management being truthful to themselves and others and endeavouring to live their values more effusively while performing their work. The book stresses the impact of spirituality in performance management, concluding that for any organization to run efficiently, spirituality is the core component to attain happiness, contentment, and success.
Tanggal Publikasi: 1 Jun 2021
Do Funerals Funds by Informal Institution Comply with Microtakaful Principles?
Research on funeral funds on a homeowner association has never been performed before. Meanwhile, previous studies on the funeral fund in insurance companies, 'rukun kematian,' and mosques are used as a reference. The research aims to analyze whether the funeral funds managed by informal institutions correspond with the micro takaful principle. Method is a descriptive analysis is used by comparing the survey in two groups, namely residential and village areas, of 31 communities spread across Java Island. The research variables developed include calculation, collection method, and amount of funeral fund contribution, alongside the calculation and amount of benefits. Although the funeral funds' variables have not fulfilled the micro takaful principle, there are interesting findings. These include that the calculation of contribution for the two groups, namely the residential and village areas, is performed by mutual agreement through community deliberations. In the village, the collection method is by direct payment from members of the public to the officers, which is different from the residential areas, where it is picked up by the officers. Furthermore, the amount of funding contributions to the community in the villages is around Rp. 3.001 and Rp. 5,000, while the total is over Rp. 10,000 in residential areas. The informal funeral funding scheme (IFFS) has become a mutually beneficial culture of Indonesian society, which fosters strong humanity and brotherhood. This scheme can be formulated in micro-takaful cooperatives to ensure that the benefits trickle down for every member of the community, including Muslims and non-Muslims.
Tanggal Publikasi: 6 Jun 2022
Building a Maslahah Economic System; Indonesian Economic System
The social justice as stated in the fifth principle of Pancasila and welfare in accordance with Article 33 of the 1945 Constitution, has not yet been realized. There is an error in determining the ultimate goal of Indonesia's economic development. Independence is not the goal of economic development but self-confidence. The Indonesian economic system is inspired by the Pancasila and characterized by kebersamaan (mutualism), kekeluargaan (brotherhood), non-discrimination, non-exploitation, and anti-monopolism. The system portrays structuralism, cooperation, religiousness, institutionalism, non-usurious, social well-being, independence, and self-esteem. Furthermore, its values are in line with the maslahah (benefits). This exploratory study proposed a maslahah economic system for the Pancasila economic system (Pancasilanomics). It defined the research question regarding “a maslahah economic system” and developed the research design, including formulating a maslahah economic system house. The results showed that the maslahah economic system house includes the maslahah foundation, comprising divinity and caliphate, and fundamental references consisting of Pancasila and Article 33 of the 1945 Constitution. Moreover, the house includes a moral foundation comprising cooperation & participation and kekeluargaan & fair distribution, institutional consisting of cooperatives, BUMN, BUMS, and social institutions. Finally, economic objectives are social welfare and the ultimate economic goal, comprising independence and people’s self-esteem
Tanggal Publikasi: 30 Sep 2022
The Urgency of Debt Management in the Perspective of Islamic Wealth Management
The study attempts to reveal debt position in wealth management and Islam Solution to overcome unresolved debt. The study is written by answering a number of predetermined research questions. The literature related to the research question is used as the reference material. Debt management is a must in Islam. There are three important things in assessing gharim namely: motives of the debtor, purposes of the debtor, and circumstances of the debtor. Furthermore, Islam solution to avoid the negatives side of debt: personal support, Social support, Institutional Support.
Tanggal Publikasi: 17 Feb 2023
Measuring the Provincial Sharia Happiness IndexMeasuring the Provincial Sharia Happiness Index
his study aims to measure Sharia happiness index of 33 provinces in Indonesia from 2014 to 2017
Design/methodology/approach – This research is descriptive with a quantitative approach, a modification of happiness index in 33 provinces in Indonesia conducted by BPS (Badan Pusat Statistik) published in 2014 and 2017 HLMS (Happiness Level Measurement Survey) by adding aspects that are in accordance with Sharia.
Findings – Average happiness index for Indonesia based on BPS HLMS in 2014 was 68.79, increasing to 71.47 in 2017. The highest happiness index was province of North Maluku (73.12), and the lowest was province of Papua (64.25). Meanwhile, the average Sharia happiness index in Indonesia is 70.53. The highest average score was of Yogyakarta (74.11), and the lowest score was province of Papua (59.47).
Research limitation/implication – The Government and Policy Stakeholders should pay attention and support to the factors that affect the level of religious satisfaction, which are proven to have a positive impact on the welfare and happiness of the community, where the majority of the Indonesian population is Muslim.
Originality/value – Studies on sharia happiness at the provincial level are rare. Shariah happiness journals tend to discuss happiness at the conceptual level, very few describe Shariah happiness at the application level. This research enriches Islamic discourse in the context of macroeconomics which can be used as a reference for further research and studies
Tanggal Publikasi: 10 Apr 2020
Analisis Determinan Keputusan Konsumen Muslim Membeli Green Product
The study aims to determine the effect of Collectivism, Eco-Literacy, Green Advertising, Spirituality and Environmental Concern on the intention to buy environmentally friendly products All Fresh on Indonesian Muslim consumers. The research consisted of three stages namely the study of literature. Then a field study was conducted by distributing questionnaires to 270 respondents. The analysis method used is Structural Equation Modeling (SEM) using AMOS. The results showed that the variables Collectivism, Eco-Literacy, Green Advertising and Spirituality showed a significant and positive effect on Environmental Concern. Furthermore, these variables show a significant and positive relationship to the attitude toward green products (ATGP) of Indonesian Muslim consumers
Tanggal Publikasi: 2 Des 2016
The Framework of Maslahah Performa as Wealth Management System and Its Implication for Public Policy ObjectivesThe Framework of Maslahah Performa as Wealth Management System and Its Implication for Public Policy Objectives
Muslims are encouraged to plan their lives economically and financially in order to achieve the objectives of Shariah. The intention to conduct Islamic economical and financial planning must be aligned with the application of Maqasid Shariah, which emphasizes on the protection of essential needs of Muslims that include preservation of wealth. Furthermore, goal of wealth management is to achieve falah. Objective of wealth management is to get maslahah. Maslahah based wealth management can be derived from cycle of acquiring and utilizing wealth (Firdaus, 2014). Acquiring wealth can be carried out by fullfilling worship orientation, internal process orientation, talent orientation, learning orientation, customer orientation and wealth orientation. Utilizing wealth can be carried out by allocating asset to wealth orientation, customer orientation, learning orientation, talent orientation, internal process orientation, worship orientation. This study proposes the framework of Maslahah Performa as wealth management system in order to highlight its contribution to more comprehensive, rational and realistic answers to contemporary public policy issues in Islamic economic system and to thereby increase awareness of Maslahah Performa approach in structuring and developing public policy products. For this purpose, the authors examine the position of the Maslahah Performa concept in public policy. They also present the essential elements of Maslahah Performa and explain how this approach may contribute to better solutions for various public policy issues and challenges
Tanggal Publikasi: 2 Nov 2012
PENGUKURAN KINERJA PT. ASURANSI TAKAFUL KELUARGA DENGAN MENGGUNAKAN SISTEM PENGUKURAN KINERJA MASlahah A SCORECARD (MaSC)
inerja bisnis berbasis shari> 'ah seharusnya diukur dengan sistem pengukuran kinerja berbasis maqasid shari> 'ah. Bisnis berbasis shari> 'ah yang diukur dengan menggunakan sistem pengukuran kinerja konvensional maka hasil pengukurannya menjadi bias. Penelitian ini bertujuan untuk mengukur kinerja PT. Asuransi Takaful Keluarga (PT. ATK) dengan menggunakan mas}lah}a score card (MaSC). Penelitian menunjukan bahwa PT. ATK memiliki kinerja hasil 0,691. MaSC memiliki range kinerja hasil: 0,000 mengindikasikan bahwa bisnis tidak memberikan kemaslahatan dan 1,000 mengindikasikan bahwa bisnis memberikan kemaslahatan. PT. ATK memiliki kinerja: orientasi ibadah (0,110), orientasi proses internal (0,166), orientasi tenaga kerja (0,083), orientasi pembelajaran (0,166), orientasi pelanggan (0,083) dan orientasi harta kekayaan (0,083). PT. ATK memiliki kinerja proses sebesar 0,666. MaSC memiliki range kinerja proses: 0.000 mengindikasikan bahwa bisnis tidak melaksanakan MaSC dan 1.000 mengindikasikan bahwa bisnis telah melaksanakan MaSC secara penuh. PT. ATK memiliki kinerja proses: Mengidentifikasi fondasi kemaslahatan (0,111), Mendapatkan perilaku kemaslahatan (0,111), Menentukan sasaran strategis (0,111), Menentukan ukuran mas}lah}a (0,111), Menetapkan target (0,000), Menentukan inisiatif strategis (0,111), Melakukan pengukuran kinerja (0,111), Melakukan evaluasi hasil pengukuran (0,00), Melakukan perbaikan dan peningkatan (0,000)
Tanggal Publikasi: 2 Des 2019
Pemilihan Alternatif Investasi Dana Haji dalam Mendorong Pertumbuhan Ekonomi: Pendekatan Analytic Network Process (ANP)
This study aims to analyze the criteria for investing in Hajj funds and alternative investments that provide benefits to Muslims so that they have an impact on economic growth. By using the Analytic Network Process (ANP) approach, alternative investments offered are Infrastructure, Property, Financial Sector, and Real Sector. Data were collected using a questionnaire consisting of pairwise comparisons between groups and their assessment indicators. A total of 7 (seven) expert speakers (experts) who became respondents successfully collected and processed using the ANP method. The results showed that investment in infrastructure and the real sector provides benefits to Muslims economically, so as to improve the welfare of Muslims which in turn can encourage economic growth
Tanggal Publikasi: 31 Des 2021
Analysis Of Ta’awun Fund Model Best Practice From Indonesia
The Muslim population of Indonesia in 2010 reached 207 million, while the number of poor people reached 27,76 million. On the other hand, Indonesia is prone to natural disaster. By 2015 there are 16,830 villages hit by floods, 3,827 villages experiencing earthquakes, and 7,861 villages experiencing landslides. It is important for Indonesian people to pool fundraising to help each other (ta'awun). One of the schemes is through the microtakaful program. The next issue is the inability of the poor Indonesian to pay a pooling fund. The research is conducted with the aim to analyze the appropriate model of microtakaful in Indonesia using infaq/sadaqah and zakah fund as an alternative payment of subsidy of microtakaful contribution. The research is conducted with several methods, namely the study of indepth literature on the utilization of infaq/sadaqah and zakah fund. The proposed models of utilization of infaq/sadaqah and zakah fund to subsidy ta’awun fund, validate the model through interviews to experts, practitioners and fund managers, process the data through Analytic Network Process (ANP), and determine the best model in utilizing infaq/sadaqah and zakah fund to subsidy ta’awun fund. Fund management model to become the object of research are microtakaful model and subsidy fund from the government model. The study shows that: Firstly, Ta'awun's fundraising in Ind
Tanggal Publikasi: 1 Mar 2014
Maslahah Performa (MaP): Sistem Kinerja untuk Mewujudkan Organisasi Berkemaslahatan oleh Achmad Firdaus
Tarekat atau t} ariqah adalah jalan atau metode yang ditempuh oleh kaum sufi untuk
mendekatkan dirinya kepada Allah Yang Maha Kuasa. Tarekat berbentuk ritual ibadah, doa
dan dzikir yang diajarkan oleh seorang guru kepada muridnya. Hubungan antara guru
tarekat dan murid demikian erat dan kental, sehingga melahirkan rasa kekeluargaan di
antara mereka. Puncak dari tarekat adalah dekatnya jarak antara seorang hamba dengan
Yang Maha Pencipta.
Tanggal Publikasi: 1 Des 2021
Integrasi Wakaf pada Asuransi Syariah
Integration between commercial finance and social finance in an integrated Islamic finance is a necessity. This paper aims to analyze the application of waqf (Islamic social finance) on Islamic insurance (Islamic commercial finance). The analysis was carried out on DSN Fatwa No: l06 of 2016, DSN Fatwa Guidelines No. 04 of 2021, SEOJK No. 05 of 2019, Islamic microinsurance literature and other references as supporting literature. The study shows that the application of waqf in Islamic insurance is found in three elements, namely the Islamic insurance business model, the payment of Islamic micro insurance contributions, and the features of Islamic insurance products and Islamic insurance products. Waqf can be applied to both PAYDI and nonPAYDI products
Tanggal Publikasi: 15 Jun 2021
Determination of organisational essential needs as the basis for developing a ma sla hah-based performance measurement
The purpose of the study is twofold: first, it is to develop each aspect of ma sla hah darūriyah (essential needs), i.e. dīn (faith/religion), nafs (soul), ʿaql (intellect), na sl (descendants) and mal (wealth), into various aspects of organisational essential needs; second, it is to formulate ma sla hah-based performance measurement. Design/methodology/approach – The research is an exploratory study that uses a two-stage design: defining the research question and developing the research design. The research question is how each element of ma sla hah darūriyah can become an element of organisational essential needs. The research design developed is to formulate ma sla hah-based performance measurement. Findings – The study concludes that ma sla hah darūriyah could be developed as a basis for identifying organisational essential needs. The five elements of ma sla hah darūriyah are developed into the following organisational essential needs: worship orientation, internal process orientation, talent orientation, learning orientation, customer orientation and wealth orientation. Ma sla hah-based performance measurement uses five variables: strategic objective, measure, formula, target and strategic initiatives and applies the modified plan – do – check – action cycle: performance planning, performance implementation, performance evaluation and performance action. Practical implications – Organisational essential needs can be developed by Islamic financial institutions (IFIs) into performance measurement. IFIs have six essential needs that can be developed into performance variables. Key performance indicators that can be developed for each need are worship orientation (social responsibility, regulatory compliance and Sharīʿah compliance); internal process orientation (innovation process, digital adaptation and employee satisfaction); talent orientation (career development, talent pool, compensation and benefits); learning orientation (training programme, training evaluation and return on training investment); customer orientation (customer engagement, customer satisfaction, customer survey and promotion programme); wealth orientation (profitability, cost-cutting, share prices, dividends, cost efficiency and financial sustainability). Originality/value – This paper contributes to new knowledge. The study attempts to discuss the organisational essential needs based on the ma sla hah darūriyah concept, while previous studies discussed organisational needs based on Maslow’s hierarchy of needs. In developing performance measurement, organisational performance is measured in a balanced manner. According to the concept of ma sla hah, not only financial factors but also worship, internal processes, talents, learning and customers define organisational needs. Thus, organisational needs are considered not only in terms of material factors but also in terms of spiritual (worship) factors