Journal articles on the topic 'Java (Indonesia) Rural conditions Case studies'

Purpose Village-owned enterprises, in this study called Badan Usaha Milik Desa (BUMDes), are rural communities economic empowerment program developed by the Indonesian Government to encourage the growth of rural entrepreneurship by using the potential of locally owned resources. However, the implementation and effect of the BUMDes program are questionable. Thus, this study aims to investigate the role of BUMDes in encouraging rural entrepreneurship and strengthening rural economic development. In addition, this study also explores challenges in implementing the BUMDes program. Design/methodology/approach This study uses a qualitative method with a case study approach. Data were obtained through in-depth interviews using purposive sampling techniques to key people in management at five BUMDes in Garut Regency, West Java, Indonesia, which have successfully implemented the BUMDes program. Findings The findings of this study indicate that BUMDes are proven to encourage rural entrepreneurship with the dimensions of exploration and empowerment, capacity building and the support and involvement of all stakeholders. BUMDes were established in accordance with government policies based on the village discussion process as the culture of the Indonesian people by involving elements of the village government, associations and the community. However, the challenges in implementing BUMDes are still faced by managers including implementation and regulatory mismatches, lack of qualified human resources and lack of synergy between the village government and BUMDes. Research limitations/implications In this study, the development of a local economic empowerment program as a driver of rural entrepreneurship is carried out in the Indonesian context. In addition, based on the unique nature of case studies, making this study can only be implemented in cases that have similar characteristics. Therefore, in the context of other countries, it can be done by modifying the results obtained based on the conditions and potential of each region. Originality/value Although recognition of entrepreneurship is one of the main determinants of rural economic development, empirical research in this area is relatively rare. Thus, this study adds a new perspective on the BUMDes program as an effort to grow rural entrepreneurship.

This research discusses ecological relations in rural areas with the people, thereby placing it within the village's poverty frame for a long time. By taking the case in Parakansalak Village, Sukabumi District, West Java, Indonesia, this research is expected to contribute to poverty studies related to natural resources and the environment. Noting the Indonesian people's great work is poverty alleviation, this research tries to provide a rationale for several villages still in the puddle. Thus, the research method used is the ethnographic method so that the strong character gets what Clifford Geertz calls thick descriptions. The results of this study reveal the facts why this is so by raising several basic things, namely: a) associated with citizens as farmers who have a level of dependence on the land that is their source of livelihood in agriculture, b) in terms of agricultural land production which is very dependent in climate, c) the level of production is not enough to provide benefits for the fulfillment of the needs of farmers because of the absence of agricultural land - because the land is only limited by a handful of citizens, and d) creating a social structure that is fully agreed with the land, thus creating poverty as a form of social morphology. The impact of spatial production as a form of social morphology illustrates poverty conditions in Parakansalak Village.

The principle of education for sustainable development (ESD) is that no child is left behind. Hence, the fourth sustainable development goal (SDG) of the United Nations (UN) emphasizes inclusion and equity in education by focusing on eliminating disparities among regions. This study explores factors related to education quality through modeling in rural areas of Sumenep Regency, in East Java, Indonesia. Currently, only a few kinds of research studies involve spatial data, latent variables and, at the same time, tests of their spillover effects. The modeling herein is the spatial autoregressive model with latent variables (SAR-LVs). The latent variables were estimated using the weighted least square (WLS) method, while the Lagrange multiplier (LM) test was used for spatial dependence testing. The parameters of the SAR-LVs were estimated using two-stage least square (2SLS). The results show that the quality of education is directly influenced by the infrastructure of the schools but not by the socioeconomic conditions of the local communities. The autoregressive spatial coefficient has a significant but negative effect, which shows a negative spillover from districts with a lower quality of education to the ones with a high quality of education. This is due to the students’ competition to get registered for a favorite or good quality school in a particular district, which stimulates the migration of students from its neighboring districts. This reveals the inequality of school quality, since not all students can get access to schools with good quality. Through this study, some recommendations are given as a contribution to achieving the fourth SDG in Indonesia.

This article aims to describe the role of social capital in the development of community-based tourism villages in Kauman Kidul, Salatiga City, Central Java Province, Indonesia. The research method used is qualitative with a case study approach. Data collection techniques used are in-depth interviews, observation, and document studies. Data processing uses triangulation to obtain valid and credible information. The key informant involved in this study was the Chair of the Sitalang Tourism Awareness Group. The results of this study indicate the role of social capital (norms, trust, and networks) that binds the social relations of the "Sitalang" Tourism Awareness Group to build the Kauman Kidul tourist village in Salatiga City Central Java Province, Indonesia.

Since 2005, over 30 epidemiological studies have evaluated the association between nitrate in drinking water and adverse health outcomes. Conditions that lead to nitrate pollution in water, such as open defecation, the proximity of septic tanks to water sources, and the use of inorganic fertilizer, are rampant in Indonesia, which has experienced little research evaluating nitrate in drinking water. We conducted a health risk assessment for exposure to nitrate in drinking water and evaluated the nitrate concentration in key water sources in two villages of rural Central Java, Indonesia. The nitrate concentrations in the drinking water ranged from 3.55 mg/L to 26.75 mg/L as NO3−. Daily nitrate intake estimates, calculated at 50% and 95% exposure to the maximum nitrate concentration of the drinking water in both villages, were above the levels associated with birth defects, colorectal cancer, and thyroid conditions observed in other studies. There was a large variation in nitrate concentrations between and within the villages at different water sources. Further research into whether these health outcomes exist in rural Central Java, Indonesia will be required to better understand this risk.

This paper examines a cross-sector collaborative model for development policy in a creative economy in a rural area setting. The creative economy based on the village’s creative potential is considered capable of contributing to the national economy, but it should be supported by public policies that are adaptive to the potential and needs of creative economy actors. The paper used a qualitative approach with case studies in Banyumas Regency, Central Java, Indonesia. This village represents one of the leading creative economy subsectors in Indonesia, which is culinary. The study found that collaboration among Penta Helix forces played multiple roles in driving rural creative actors and building rural creative ecosystems. The stages of collaboration were identified in strengthening organizational structure, program implementation, and organizational consolidation. Organizational capability and innovation have been growing in rural creative economy actors during cross-sector collaboration implementation. This study provides insights into how Penta Helix collaborates with rural creative actors to promote the rural creative economy. From a public policy perspective, this study fills a significant gap in the literature regarding rural development models that are not covered much in the creative economy policy.

This study aims to identify tourism potential and a set of strategies for a competitive rural tourism development using a case study in Sukajadi Tourism Village, Bogor Regency, West Java. This study is a descriptive qualitative type with an exploratory case study approach. Primary data were obtained from deep field observation and interview with key informants, while secondary data was obtained from the results of literature studies and documentation. This research used identification analysis techniques of 11 tourism components modified from several experts, CHSE analysis, work program government (PROKER), market preferences, and SWOT analysis as well as SWOT Matrix. The result of this study was obtained great potential and 15 main strategies for the development of the Sukajadi Tourism Village which is currently starting to grow, namely making serious and aggressive efforts on the internal aspects of village tourism destination, as well as collaboration with tourism industry and local governments to create a competitive rural tourism destination. An active and aggressive strategy is needed for the development of Sukajadi village as a competitive rural tourism destination, based on micro and macro perspectives.

West Java is the most populated province in Indonesia, housing 18% of the total population, and its Gini Ratio shows the prevalence of income inequality. Previous studies have shown a relationship between education and income inequality, partly derived from inequality in education. This study explores the condition of education in regencies/cities in West Java by mapping based on agriculture/non-agriculture classifications, length of the school and life expectancy in 4 quadrants. Significant factors that determine a region in a particular quadrant are explored. Quadrant I is a region of non-agricultural basis, and the average education has graduated junior high. Quadrant III is also a non-agricultural base characterized by elementary school graduates. Quadrant IV is an agricultural base with graduates from elementary school. There is no region in quadrant II, a rural base with junior high graduates. With secondary data from 2017, multinomial logit regression was used for analysis. The result showed life expectancy in quadrants I and III was greater than in IV. Population and gender empowerment index characterize an area in quadrants I and III rather than IV. This is clearer when one looks at the marginal effect where the variable population growth and the development of the gender empowerment index significantly reduce the area's chances of being in quadrant IV. Based on the typology results, we suggest that the government pay more attention to areas in quadrant IV so that educational inequality in West Java can be reduced.

A massive demonstration in Jakarta called “Aksi Bela Islam” (Action to Defend Islam) marks a continuity of the Islamist currents in post-New Order Indonesia. Many observers called it “Islamic populism”, a populist, cross-class alliance on behalf of the Islamic masses or “ummah” against capitalist development that has marginalized Muslims in the struggle for access to economic and political resources. However, despite this refreshing approach, many studies on Islamic populism still concentrate on the state (instead of capital) and the urban areas in explaining the development of Islamic populism. This article, therefore, offers a different approach to analyzing Islamic populism through the understanding of capitalism as a social relation and shifts to the countryside as its empirical basis by focusing on the case study of Bulak village in West Java. By combining insights from the literature on agrarian change and populism as a political strategy and adopting qualitative methods namely in-depth interviews (including oral history) and field observation, this article found that contemporary Islamic populism in Indonesia is a result of the specific development of capitalist relations in the context of rural agrarian change. In addition, it also found that Islamic populism is not a phenomenon confined to the urban areas, since it also spreads to the countryside. Moreover, Islamic populism in the countryside has distinctiveness, related to context, social background, and the ways it is mobilized.

The existence of Baitul Maal wat Tamwil (BMT) in East Java is expected to be an alternative in capital problem, especially on micro / small farm in rural East Java. The role of BMTs can be analyzed based on the internal and external conditions of BMT institutions that perform structural functions as financial service cooperatives and cultural functions as social institutions in the redistribution of Islamic wealth. This study used a mixed case study method with descriptive analysis. Field studies were conducted in November 2016-February 2017 in Surabaya, Tulung Agung, Pasuruan, and Gresik in East Java using primary and secondary data. Secondary data sourced from BMT financial report during 2013-2015. Further analysis of internal and external BMT conditions through Focus Group Discussion (FGD). The result of institutional analysis, mention that healthy institution and competitiveness to channel agriculture financing both structurally and culturally. The BMT management response to the internal and external environment is in the position of being (average). Analysis of EFE (External Factor Evaluation) and IFE (Internal Factor Evaluation) is possible for the institution to combine growth strategies (grow) and development (build). The recommended of alternative institutional strategy to BMT in agricultural financing in rural East Java is market penetration and product development.

Mushroom farming is one of the profitable agribusiness especially for rural areas in developing countries. It can be adopted and applied as a sideline or main business. Through a partnership, farmers are indeed able to resolve their falter caused by production problems and market challenges. However, some questions emerge about the effectiveness of partnerships. Learning the adoption of the partnership specifically on mushroom farming can provide more understanding about its strengths and its weaknesses for further better use. This study aims to review the adoption process and the experience of an informal partnership case between a mushroom enterprise and farmers using qualitative and non-parametric quantitative approaches framed by Rogers’s innovation–decision process. The result shows that the partnership delivers ample benefits for the farmers and is recommended especially for rural society in certain conditions, though before and after the implementation, some issues were found, and suggestions are given for improvement.

AbstractDuring the last two decades, rural-urban migration and government programs have improved livelihood conditions in Javanese villages and brought down levels of poverty considerably. This article, based on two extended surveys in nine villages in Central Java, aims to understand the nature of change in rural Java by focusing on gender and precarity. As a result of migration, old forms of precarity have not completely disappeared: Families without children, elderly and people unable to work continue to live precarious lives. For those who work in the cities, dependence on single-source, low incomes, predominantly earned by men who work in construction, continues to keep families and especially women vulnerable for livelihood shocks and stresses. Increasingly, women from poor families work in low-paid agricultural jobs or keep the family farm running.Migration to the cities makes it possible for many families to stay in the village and live the ‘good’ village life. The village is generally perceived, socially and ideologically, as a ‘better’ place. The flip-side of this preference is a reproduction of traditional family values and limited room to maneuver for women. Very few interesting and suitable jobs for educated women exist in rural areas. Women from poorer families need to work in agriculture. Their dependence on working men with single sources of income, continues the risk to end up or fall back into living precarious lives.

This study observes the socio-spatial dynamics in the suburbs of a medium-sized city, particularly considering the extent to which shifting land use has influenced people’s welfare. This case study selected suburban Surakarta, a medium-sized metropolitan city in Central Java Province, Indonesia. The methods employed were descriptive statistics and spatial analyses. Considering the data availability, unit of analysis was urban or rural villages ( kelurahan or desa). The results show that the development follows the pattern of a regional network, but the spatial dynamics are quite different in each direction. Besides, the shift of land use from agriculture to urban land has not directly affected poverty reduction. In the study area, the increase in industrial land use showed a weak positive correlation with the addition of pre-prosperous families. On this basis, local governments should pay more attention to the existence of the native residents in developing suburbs so that they are not harmed by the shift in land use from agricultural to developed urban land.

Partasmita R, Iskandar BS, Nuraeni S, Iskandar J. 2019. Impact of the green revolution on the gender’s role in wet rice farming: A case study in Karangwangi Village, Cianjur District, West Java, Indonesia. Biodiversitas 20: 23-36. The wet rice farming (sawah) is very complex that is determined by ecological and social economic and cultural factors, including soil conditions, water availability, weather and climate, population, local knowledge, beliefs, technology, and economy. In addition, wet rice farming is determined by the government policy and market economy. In the past, the Sundanese rural people of West Java practiced the wet rice farming based on the local knowledge or traditional ecological knowledge which is strongly embedded with local tradition, and division of labor based on the gender. Traditionally, most inputs of the wet rice farming, including rice seeds, organic fertilizer, and biopesticides were provided by internal resources of rural ecosystem. Both male and female farmers intensively involved in various t wet rice farming activities based on the gender which is embedded by local tradition. For example, female farmers involved work in various activities that do not need energy but need to be careful and diligent, including the selection of rice seeds. Conversely, some works, including hoeing and plowing, were undertaken by male farmers. In the late 1960s, the Indonesian government modernized the wet rice farming through the Green Revolution program. Consequently, most rural farmers of West Java adopted this program. This research aimed to elucidate the impact of the Green Revolution program on the wet rice farming activities of Karangwangi village, Cianjur, West Java based on the gender issue. Aqualitative method with an ethnoecological approach was used in this study, while some techniques including observation, participant observation, and semi-structured interview were applied in this research. Thestudy result shows that in the past the wet rice cultivation of Karangwangi was traditionally carried out based on the local knowledge and embedded with local cultures, including traditional beliefs. Various activities of each stage of the wet rice farming were undertaken by male and female farmers based on gender and strongly embed by local tradition. By introduction of the Green Revolution, the female farmers have still involved in various activities of the wet rice farming. However, some female activities, including observation of star in the sky, rice seed selection, and ponding of rice grains of post-harvesting have been lost due to the introduction of the Green Revolution.

Central Bank in Indonesia has launched an inclusive economy strategy, whose aim includes people of low income and micro-scale business owner. Micro-scale traders in rural traditional market in Indonesia in general face the challenge of limited access to formal financial institution, since they are considered un-bankable. The difficulty of accessing capital from banking financial institutions becomes an obstacle to increasing the scale of their business. The situation often causes market micro-scale traders to fall into the practice of loan sharks. As an alternative, traditional market traders turn to Islamic microfinance co-op. This paper studies the case of micro-scale traders in a rural are in Central Java, in their relationship with a local Islamic Financial Cooperative (Syariah Baitul Maal Wat Tamwil) that provides financial products/services. Using qualitative approach, the findings field research conducted from 2016 until 2018 points out to the success of Islamic Financial Coop as an inclusive financial institution for the local micro-scale traders, which supports promotion of sustained economic growth and productivity, despite (or, because of) its traditional way of trust-building.

Kampung Kauman is a representation of Muslim settlements in Indonesia, particularly in Java. The existence of Kampung Kauman in the central district provides its influence over the conditions of the agreement. This study aims to explore the patterns used by the community in efforts to realize the values of Islam in their settlement. Kampung Kauman in Surakarta, Malang, and Pekalongan are selected as part of the similar cities with its dynamics and development. This background of the formation of them has also become one of the considerations. The methodology was a case study, which researchers sought to compare three object regions in the same case. The case was a pattern of the physical characteristics of the settlement. This study shows the differences in religious activities and spatial physic character.

<span lang="EN-US">Studies on the unreadiness of educational stakeholders to face the abrupt requirement of online learning amidst the pandemic were usually conducted among the urban participants with highly available access to the internet and well-developed online social habit. Such population tend to fall into Westernized, Educated, Industrialized, Rich, Democratic (WEIRD) bias population, even in Asian countries. Therefore, their results tend to report problems faced by the aforementioned population. In this current study, we attempt to fill in the population gap by exploring the transformational leadership among school principals in rural area of Malang, East Java, Indonesia. There were five leaders of schools’ setup by different religious affiliations in the community interviewed. After the thematic analyses, the results confirmed that the online learning policy exposed our participants to different problems from the ones faced by the urban population, and therefore they have taken different measures in order to sustain their educational services. Actions such as interschool collaborations, interschool students grouping, and interschool teacher-sharing were introduced to us by these rural school principals, along with the spirit of unity in their diversity. Further exploration and suggestions are discussed in the article.</span>

Community Outreach Program is an established international service-learning program which has been around for 22 yr. The program offers an inter-discipline activity set in an international atmosphere to connect the academic theories with the actual social life and problems in the less developed rural community in East Java Province, Indonesia. There have been students from 16 university partners from 10 different countries ever participating in the program. Studies from the observations and opinions by the university partners claimed that COP has had an impactful outcomes in students‟ learning in the areas of diversity awareness, citizenship, and values development. The first study in 2009 on students‟ expectations in participating in COP reported that the students were aware that joining COP would expose them in diversity through working along with international friends and the community in the village. In this current study, 90 reflection books of COP 2015 Asian participants from Japan, Hong Kong, South Korea, and Indonesia were further studied to test and evaluate how COP as a service-learning program has provided an education setting to educate caring and responsible citizens, who were open to other cultures, and respectful of differences. Students' responses affirmed the positive effects of COP on the acceptance of diversity and sense of civic responsibility.

This research aims to analyze the role of zakat distribution programs for poverty allevation and income inequality reduction among groups in urban and rural areas. It takes the case study of 1,309 zakat beneficiaries managed by the National Zakat Board of Indonesia (BAZNAS) as the coordinating zakat institution in Indonesia, in five different cities and regencies in West Java Province namely, Bogor, Depok and Sukabumi. The analytical tools used in this study are the modification of the Center of Islamic Business and Economic Studies (CIBEST) model, CHAID analysis, Deciles method and Gini coefficient. This study suggests that the present zakat distribution programs can significantly alleviate poverty and reduce income inequality among the observed zakat beneficiaries. It is also found that spiritual supervision and routine assistance form BAZNAS officers, informal education, family size, age and job of the respondents are the variables that are statistically significant in influencing the increase of the households’ monthly income and spirituality.

Theories explain the occurrence of natural resource curse phenomenon as a the conditions in a country has an abundance of mining sector but unsustainable patterns of development. In case of Indonesia, several studies conducted to measure natural resource curse also occurs during decentralization era. Therefore, this research conducted by analyze the performance of APBD in mining areas. By using share analysis, the highest area is East Kalimantan Province, while the lowest is NTT Province. Meanwhile, from growth, the highest area is West Java and the lowest category is Banten Province. From the quadrant analysis, four areas are in the quadrant I, seven areas in quadrant II, six areas in quadrant III and most areas in quadrant IV. This massive number of mining areas in quadrant IV shall inflict a serious note for the Central Government, could be an early indication of the emergence of natural resource curse in Indonesia.

This study aims to develop a collaborative governance model applied by village-owned enterprises called "BUMDes" which has become one of the keys to the success of the village government in improving the economy and welfare of rural communities becoming an independent village. The research method used is descriptive qualitative method with a case study approach that is by taking the setting and research focus on the success of BUMDes in the village of Panggungharjo, Bantul Regency, Central Java Province. Primary data collection was carried out through in-depth interviews with several key informants and supporting informants, which were determined by snowball sampling. The main informants consisted of: the village head, the head of the village deliberation body, and the village secretary who then rolled out to several supporting informants consisting of the BUMDes officials, community leaders, and the private sector who collaborated with the Panggungharjo BUMDes. In addition, secondary data needed is obtained through documentary studies. This research will produce a collaborative governance model that is expected to be used as a reference for the management of other BUMDes in Indonesia.

Abstract Studies of triple helix field indicated that involvement of academician, business, government (ABG) were leading players in bringing up invention to be innovation. In the current decade, society actor served as the new actor added in the ABG-S frame concerning to the sustainability issue of innovation. This study aimed to present the role of the concerned actors in proposing an innovative product of a combined solar and wind energy generator installed in rural areas of Blora Regency. Blora was one of the regions in the Central Java Province that utilized electrical energy sourced from non-fossil. A Qualitative research method was utilized in this study to disclose the involvement of each actor in Blora’s case. The study reported that ABG-S actors’ involvement in implementing a combined solar and wind energy generator to the villages.

This study assesses the level of achievement of the information society through the implementation of the program KIM. KIM is the Kelompok Informasi Masyarakat which is a program of the Indonesian government to seek the realization of the information society in Indonesia. KIM is designed as a group formed independently so that the development will be an independent community group. The purpose of this study was to see how the achievement of the information society through the implementation of the program is reviewed KIM. So as to provide input to the government related to how the achievement of the information society and also related input KIM program. With a qualitative research approach, the method used in this research is a case study. The case studies carried out in two different areas of the rural areas and urban areas in East Java. Based on the results obtained, that the condition of the people is still far from the realization of the information society. The condition of society is still at the level of society aware of the information, even in rural areas there are still many people who are less aware of the information. It is caused by the KIM program implementation is still less than the maximum. There are many obstacles, so that the KIM program requires evaluation to achieve program objectives which is to make the people of Indonesia as an information society.

Selo, a small agricultural-based village in Boyolali, Central-Java, Indonesia has initiated small-scale rural biogas adoption as it presumably reduces the consumption of LPG, firewood, chemical fertilizer and (women’s) overall workload, which especially suitable due to the relatively high use of cattle in that area As environmental problems such as global warming from fossil fuel consumption and land degradation from deforestation and overuse of chemical fertilizers, and socio-economic problems as gender empowerment and self-sufficiency are becoming more pressing, it is useful to analyse the benefits of biogas as an alternative renewable energy technology (RET) provision in rural areas. This paper aims to assess the benefits of rural biogas adoption from an economic perspective, through calculating the direct and indirect benefits obtained from biogas adoption in Selo. For this, a field survey was carried out in Selo to ask questions to biogas users (N=21) and non-users (N=5) on their energy and fertilizer consumption, as well as emissions reductions resulting from biogas adoption. Based on the analysis, oon average, a household with biogas saves 490 kWh month–1, 20,000 IDR month–1,185 kg CO2e month–1.Chemical fertilizer consumption remains remarkably high, which may due to a lack of awareness on the potential of digester slurry by the farmers, for indeed, reduction of chemical fertilizer use would help address some environmental problems. Biogas quality of one household has also been determined by comparing its heating value to that of methane; the methane percentage (MP) was approximately 31%. The quality is considerably lower than expected from the literature (i.e. around 60%), which may be due to the farmers neither mixing nor supplying water to the dung. Trainings providing methods for improving digester overall effectiveness to particularly the women-folk may enhance digester management and thus biogas production, as they form the main primary operatives. Despite the room for improvement, the existing results clearly show that biogas adoption significantly reduces greenhouse gas (GHG) emissions, household energy costs, workload, improves environmental conditions and generates income through carbon credit exchange. Therefore, under the notions of sustainable development, environmental preservation and self-sufficiency, policy makers and NGOs should expedite their support in biogas development, e.g. by providing subsidies and awareness raising.

The health sector is an important part and must be considered by the Government of Indonesia. The people who really need health are the people, both rural and urban. Public health is an indicator of the quality of human life which is strongly influenced by environmental conditions in an area. One sign of low environmental health is air pollution. Air pollution is defined as the presence of foreign materials or substances in the air which causes changes in the composition (composition) of the air from its normal state, which can cause several diseases such as respiratory diseases. Tuberculosis (TB) infection is a disease whose spread is influenced by environmental and behavioral factors. In addition, reduced levels of oxygen in the environment are also caused by air pollution. For that we need innovations that can improve environmental health so that people's welfare can increase. For this reason, a rural innovation program related to the health of rural communities, especially in the health of respiratory diseases, in this case is TB, was created, which can improve the quality of environmental health and also the welfare of the community. In addition, it also identifies the influence of innovative oxygen enhancement programs by planting trees in rural communities. This research was conducted to identify rural innovation programs related to rural public health, especially on respiratory disease health, and also to identify the effects of innovative oxygen enhancement programs by planting trees in rural environments. The method used in this research is descriptive qualitative method. As a result, there was an increase in the percentage of TB sufferers because of the Ketok Pintu Sekaput program. In addition, the Shodaqoh Oxygen program, which was carried out in villages in Banyuwangi Regency, succeeded in planting 7,444,764 trees in 2018. Suggestions for the future, it is better for the community to always practice clean and healthy living, and better prevent preventive and make tree planting programs. at the RW level so that they can provide seeds according to the needs of each area.

Sustainable water resources management is essential since it ensures the integration of social, economical and environmental issues into all stages of water resources management. The development and application of water sustainability indices to achieve sustainable water management has been successfully done in the last few years. Although existing water sustainability indices have successfully provided information on current conditions of water resources and prioritised water related issues, they have been developed for specific case study areas. This study therefore aims at developing a water sustainability index for West Java, Indonesia. The overall steps for developing the index include developing a conceptual framework, application of Delphi technique to finalise the components/indicators of the index, applying the index to case studies and robustness analysis of the index. This paper, which is the first in a two-part series, discusses the first step, namely developing the conceptual framework of the West Java Water Sustainability Index (WJWSI). It outlines the criteria for identifying the initial set of components/indicators and based on those criteria, a detailed justification for selecting each component and indicator is also presented. The second paper of the series presents the application of Delphi technique to finalise the framework of WJWSI based on feedback from selected stakeholders. The remaining steps of developing WJWSI will be undertaken in the future.

The pandemic that occurred this year created conditions that changed the activities of parents and children, the role of parents working outside the home often led to a lack of parental involvement in child development, especially the development of independence. The conditions of the Covid-19 pandemic have caused parents and children to be in one place at the same time. This study aims to determine the effect of parental involvement and maternal employment status on the independence of children aged 7-8 years in the Covid-19 pandemic situation. This quantitative research uses a comparative causal ex-post facto design, with groups of working mothers and groups of non-working mothers. The sample of each group was 60 people who were randomly selected. The findings of the study with the calculation of the two-way ANOVA test obtained the value of Fo = 4.616> F table = 3.92 or with p-value = 0.034 <α = 0.05, indicating that there is an interaction between parental involvement and maternal employment status on children's independence, and Based on the results of hypothesis testing, there is no effect of parental involvement and mother's work status on the independence of the child even though there are differences in the average results of children's independence. Keywords: Children's Independence, Parental Involvement and Mothers' Employment References: Areepattamannil, S., & Santos, I. M. (2019). Adolescent students’ perceived information and communication technology (ICT) competence and autonomy: Examining links to dispositions toward science in 42 countries. Computers in Human Behavior. https://doi.org/10.1016/j.chb.2019.04.005 Benner, A. D., Boyle, A. E., & Sadler, S. (2016). Parental Involvement and Adolescents’ Educational Success: The Roles of Prior Achievement and Socioeconomic Status. Journal of Youth and Adolescence, 45(6), 1053–1064. https://doi.org/10.1007/s10964-016-0431-4 Chusniatun, Kuswardhani, & Suwandi, J. (2014). Peran ganda pengembangan karier guru-guru perempuan. Jurnal Pendidikan Ilmu Sosial, 24(2), 53–66. Cohen, J. (1994). The earth is round (p < .05). (Vol. 49). American Psychologist,. DeLuca, C., Pyle, A., Braund, H., & Faith, L. (2020). Leveraging assessment to promote kindergarten learners’ independence and self-regulation within play-based classrooms. Assessment in Education: Principles, Policy & Practice, 27(4), 394–415. https://doi.org/10.1080/0969594X.2020.1719033 Dong, C., Cao, S., & Li, H. (2020). Young children’s online learning during COVID-19 pandemic: Chinese parents’ beliefs and attitudes. Children and Youth Services Review. https://doi.org/10.1016/j.childyouth.2020.105440 Eisenberg, N., Valiente, C., Morris, A. S., Fabes, R. A., Cumberland, A., Reiser, M., Gershoff, E. T., Shepard, S. A., & Losoya, S. (2003). Longitudinal relations among parental emotional expressivity, children’s regulation, and quality of socioemotional functioning. Developmental Psychology, 39(1), 3–19. https://doi.org/10.1037/0012-1649.39.1.3 Gassman-Pines, A., Ananat, E. O., & Fitz-Henley, J. (2020). COVID-19 and parent-Child psychological well-being. Pediatrics, 146(4). https://doi.org/10.1542/peds.2019-3211 Grolnick, W. S., Benjet, C., Kurowski, C. O., & Apostoleris, N. H. (1997). Predictors of Parent Involvement in Children’s Schooling. 11. Gürbüztürk, O., & Şad, S. N. (2010). Turkish parental involvement scale: Validity and reliability studies. Procedia - Social and Behavioral Sciences, 2(2). https://doi.org/10.1016/j.sbspro.2010.03.049 Gusmaniarti, G., & Suweleh, W. (2019). Analisis Perilaku Home Service Orang Tua terhadap Perkembangan Kemandirian dan Tanggung Jawab Anak. Aulad : Journal on Early Childhood. https://doi.org/10.31004/aulad.v2i1.17 Hatzigianni, M., & Margetts, K. (2014). Parents’ beliefs and evaluations of young children’s computer use. Australasian Journal of Early Childhood. https://doi.org/10.1177/183693911403900415 Hornby, G., & Lafaele, R. (2011). Barriers to parental involvement in education: An explanatory model. Educational Review, 63(1), 37–52. https://doi.org/10.1080/00131911.2010.488049 Iftitah, S. L., & Anawaty, M. F. (2020). Peran Orang Tua Dalam Mendampingi Anak Di Rumah Selama Pandemi Covid-19. JCE (Journal of Childhood Education), 4(2), 71. https://doi.org/10.30736/jce.v4i2.256 Jeynes, W. H. (2005). Effects of Parental Involvement and Family Structure on the Academic Achievement of Adolescents. Marriage & Family Review, 37(3), 99–116. https://doi.org/10.1300/J002v37n03_06 Kadir. (2017). Statistika Terapan. PT Raja Grafindo Persada. Komala. (2015). Mengenal dan Mengembangkan Kemandirian Anak Usia Dini Melalui Pola Asuh Orang Tua dan Guru. Tunas Siliwangi, 1(1), 31–45. Kumpulainen, K., Sairanen, H., & Nordström, A. (2020). Young children’s digital literacy practices in the sociocultural contexts of their homes. Journal of Early Childhood Literacy, 20(3), 472–499. https://doi.org/10.1177/1468798420925116 Levitt, M. R., Grolnick, W. S., Caruso, A. J., & Lerner, R. E. (2020). Internally and Externally Controlling Parenting: Relations with Children’s Symptomatology and Adjustment. Journal of Child and Family Studies, 29(11), 3044–3058. https://doi.org/10.1007/s10826-020-01797-z Lie, A., & Prasasti, S. (2004). Menjadi Orang Tua Bijak 101 Cara Membina Kemandirian dan Tanggung Jawab Anak. PT. Alex Media. Livingstone, S., Mascheroni, G., Dreier, M., Chaudron, S., & Lagae, K. (2015). How parents of young children manage digital devices at home: The role of income, education and parental style. 26. Mikelić Preradović, N., Lešin, G., & Šagud, M. (2016). Investigating Parents’ Attitudes towards Digital Technology Use in Early Childhood: A Case Study from Croatia. Informatics in Education, 15(1), 127–146. https://doi.org/10.15388/infedu.2016.07 Moonik, P., Lestari, H. H., & Wilar, R. (2015). Faktor-Faktor Yang Mempengaruhi Keterlambatan Perkembangan Anak Taman Kanak-Kanak. E-CliniC, 3(1), 124–132. https://doi.org/10.35790/ecl.3.1.2015.6752 Ogg, J., & Anthony, C. J. (2020). Process and context: Longitudinal effects of the interactions between parental involvement, parental warmth, and SES on academic achievement. Journal of School Psychology. https://doi.org/10.1016/j.jsp.2019.11.004 Pek, L. S., & Mee, R. W. M. (2020). Parental Involvement On Child’s Education At Home During School Lockdown. Jhss (Journal Of Humanities And Social Studies). https://doi.org/10.33751/jhss.v4i2.2502 Porumbu, D., & Necşoi, D. V. (2013). Relationship between Parental Involvement/Attitude and Children’s School Achievements. Procedia - Social and Behavioral Sciences, 76, 706–710. https://doi.org/10.1016/j.sbspro.2013.04.191 Raeff, C. (2010). Independence and Interdependence in Children’s Developmental Experiences. Child Development Perspectives, 4(1), 31–36. https://doi.org/10.1111/j.1750-8606.2009.00113.x Rantina, M. (2015). Peningkatan Kemandirian Melalui Kegiatan Pembelajaran Practical Life. Jurnal Pendidikan Usia Dini, 9, 181–200. https://doi.org/DOI: https://doi.org/10.21009/JPUD.091 Rihatno, T., Yufiarti, Y., & Nuraini, S. (2017). Pengembangan Model Kemitraan Sekolah Dan Orangtua Pada Pendidikan Anak Usia Dini. JPUD - Jurnal Pendidikan Usia Dini. https://doi.org/10.21009/jpud.111.08 Rika Sa’diyah. (2017). Pentingnya Melatih Kemandirian Anak. Jurnal KORDINAT, 16, 31–46. Yulianti, K., Denessen, E., & Droop, M. (2019). Indonesian Parents’ Involvement in Their Children’s Education: A Study in Elementary Schools in Urban and Rural Java, Indonesia. In School Community Journal. Zhang, D., Zhao, J. L., Zhou, L., & Nunamaker, J. F. (2004). Can e-learning replace classroom learning? Communications of the ACM, 47(5), 75–79. https://doi.org/10.1145/986213.986216

Indonesia is a country having abundant natural resources, including nutritious plants as a source of food and medicine. Along with the increasing public awareness of the importance of healthy living, there is a great shift in the demand of food. At present, people do not only want foods that have good nutritional composition as well as attractive appearance and taste, but also the ones that have certain physiological functions for the body. The foods that have such functions are known as functional foods. One ingredient that has the potential to be developed into functional food is mocaf flour. It is made from cassava which is made from the fermentation principle by modifying the cassava cells. This study aims to reveal the conditions for the development of the functional food industry made from mocaf flour in Indonesia using the value chain approach. This study was a qualitative research by using multiple case studies along the value chain. The data were collected from review of secondary data, in-depth interviews, and observations in each case study. The case study locus was the center of the mocaf-based food industry in West Java. The results showed that (i) the mocaf-based functional food industry in Indonesia was not developed; (ii) the development of mocaf-based industries was constrained by the high cost of cassava raw materials; (iii) the productivity of cassava plants was still low; (iv) the role of R & D institutions was very much needed; and (v) government intervention is needed.JEL Classification: L88, O00, Q18

<em>Revitalization is one of the government programs to re-empower rural cooperative (KUD) in Indonesia. Revitalization for inactive KUD has the purpose to reactivate KUD although the outcome is highly dependent on the conditions of the KUD as well as the internal support of the KUD. This study was conducted in two inactive KUDs in Pati Regency, Central Java namely KUD Sedyo Rukun Juwana and KUD Sukolilo. The research uses a qualitative approach with a case study design. Interviews and focus group discussion (FGD) was performed to collect data. The study aims to describe the conditions and the implementation of a revitalization program in both KUD. The results showed that both KUDs do not play a role as cooperative anymore. One of the indicators is that both KUDs has not carried out annual member meetings (RAT) for more than three years. Revitalization of KUD Sedyo Rukun Juwana was conducted by reorganizing and strengthening institutions through RAT. Conversely, the activation of KUD Sukolilo is nearly possible due to the complexity of the problem within the KUD. Liquidation of KUD Sukolilo can be an option to make clear the status of KUD. However, from a legal perspective, KUD Sukolilo cannot be dissolved because they experienced an inability to pay bad credit from the government. </em>

This research is motivated by various problems related to the quality and relevance of Indonesian education which are the main issues. Indicators of quality education are marked by graduates who have superior competencies and are able to compete in the business world and industry for graduates from Vocational Secondary Education. Quality vocational education applying quality standards can contribute to the country's economic development, but it still cannot be realized optimally at the time of its implementation. Such conditions occur in SMK graduates in Indonesia so that the open unemployment of SMK graduates is getting bigger. It is interesting to do further research to find out why and how this happened and find solutions to the problems faced. Dual Based Assessment (DuBA) on the vocational skills aspect is expected to be a solution in ensuring the quality of skills at the Center of Excellence Vocational High School and Vocational Schools in general. In particular, this study describes and analyzes the "Daming Cycle" quality management approach from William Edward Deming, with its management principles approach which include: Plan, Do, Check and Action Dual Based Assessment in Improving Skills Quality at SMK Center of Excellence. The research method used is qualitative with a case study approach through interview data collection techniques, documentation studies and observations at the research location of Pertiwi Kuningan Vocational School, West Java. The results obtained in this study In particular, this study describes and analyzes the "Daming Cycle" quality management approach from William Edward Deming, with its management principles approach which include: Plan, Do, Check and Action Dual Based Assessment in Improving Skills Quality at SMK Center of Excellence. The research method used is qualitative with a case study approach through interview data collection techniques, documentation studies and observations at the research location of Pertiwi Kuningan Vocational School, West Java. The results obtained in this study In particular, this study describes and analyzes the "Daming Cycle" quality management approach from William Edward Deming, with its management principles approach which include: Plan, Do, Check and Action Dual Based Assessment in Improving Skills Quality at SMK Center of Excellence. The research method used is qualitative with a case study approach through interview data collection techniques, documentation studies and observations at the research location of Pertiwi Kuningan Vocational School, West Java. The results obtained in this study The research method used is qualitative with a case study approach through interview data collection techniques, documentation studies and observations at the research location of Pertiwi Kuningan Vocational School, West Java. The results obtained in this study The research method used is qualitative with a case study approach through interview data collection techniques, documentation studies and observations at the research location of Pertiwi Kuningan Vocational School, West Java. The results obtained in this study The quality of the results of the DuBA approach at Pertiwi Kuningan Vocational School has led the school to become one of the Center of Excellence Vocational Schools in West Java so that it deserves to be a reference vocational school that has the obligation to carry out an impacting program on the surrounding vocational schools. The quality of skills in Axioo's Industrial Class has contributed to the decline in the unemployment rate for vocational school graduates, on the other hand, these graduates have been able to participate in driving the economy on a micro scale by becoming employees in various business fields and opening up entrepreneurial opportunities.

The COVID-19 outbreak has brought multiple profound effects on the economic sector worldwide. This study aims to determine the socio-economic impact caused by the COVID-19. Considering Indonesian lower-classes, this study used a quantitative method with a descriptive approach and collected 274 respondents. Data were obtained from questionnaire interviews with poor women in rural East Java. The data source was selected using a random sampling technique. Literature studies were carried out to collect data related to research. The results show that the pandemic in Indonesia has caused a tremendous impact on the socio-economic sector of society and women from the lower classes in rural areas. They suffer from huge losses ranging from reduced income to loss of work. This study also highlights the Work From Home (WFH) policy, which cannot be implemented on the lower classes because many of them are laid off, and some employees who continue to work are at risk of disease exposure. Likewise, the COVID-19 pandemic and Work From Home (WFH) policy evoke several problems for women. The household responsibility of women is proven to increase during the pandemic. The women who do WFH seem to be preoccupied in two roles, first, as a worker, second, as a housewife who assists the household. Specifically, it means women are required to do domestic and public work. Therefore, gender awareness is needed to minimize women’s disadvantages in this case.

National parks can be sensitive state-property areas since the surrounding communities generally need the parks' resources for their livelihood. This paper focuses on inequality and transaction costs in PAMSIMAS (Community-Based Water Supply and Sanitation), a water sector program in Indonesia’s rural and peri-urban areas. The method used is a case study of PAMSIMAS in Tajuk, a village adjacent to Mount Merbabu National Park in Semarang Regency, Central Java. The data were gathered from documentary studies, in-depth interviews, and observations, and were analyzed using transaction cost economics and institutional analysis. This study found that the rules of PAMSIMAS, especially water pricing mechanisms, enhanced water availability but could not diminish the uncertainty of water access and transaction costs born by water users. Inequalities of endowment, power, and information among the hamlets affected how PAMSIMAS was run. Mobilization of water resources is related to property rights, which should be well-defined. Still, there was an overlapping property institution of Mount Merbabu National Park forest and its water resources; thus, the water user groups had to bear different transaction costs. The study provides suggestions for providing broader 'rules of the game' in rural water management, recognizing local conditions and prospects, acknowledging community rights to resources, and developing inclusive community participation.JEL Classification D23; P48; Q15

Migration connects land use in areas of origin with areas of new residence, impacting both through individual, gendered choices on the use of land, labor, and knowledge. Synthesizing across two case studies in Indonesia, we focus on five aspects: (i) conditions within the community of origin linked to the reason for people to venture elsewhere, temporarily or permanently; (ii) the changes in the receiving community and its environment, generally in rural areas with lower human population density; (iii) the effect of migration on land use and livelihoods in the areas of origin; (iv) the dynamics of migrants returning with different levels of success; and (v) interactions of migrants in all four aspects with government and other stakeholders of development policies. In-depth interviews and focus group discussions in the study areas showed how decisions vary with gender and age, between individuals, households, and groups of households joining after signs of success. Most of the decision making is linked to perceived poverty, natural resource and land competition, and emergencies, such as natural disasters or increased human conflicts. People returning successfully may help to rebuild the village and its agricultural and agroforestry systems and can invest in social capital (mosques, healthcare, schools).

The digital divide is one of the problems faced by the government since the COVID-19 pandemic occurred. All face-to-face activities in all development sectors are transferred online. The unpreparedness of communication technology infrastructure in Indonesia is one of the obstacles to online learning activities that require a stable internet connection, even in urban areas that already have communication infrastructure with 5G networks. However, it turns out that the problem is not only with infrastructure, what is more important than that is the opportunity and ability of the community to use communication technology. In this study, researchers limit research to only discussing the challenges of the digital divide in the online learning process during the COVID-19 pandemic in Indonesia with research locations in three districts in West Java in 2020-2021. This research uses a qualitative approach, an exploratory paradigm, in a case study perspective. The data collection process was carried out under natural conditions in the form of observation, in-depth interviews and documentation studies. This study concludes that collaboration between government officials and the community has a positive impact on people's opportunities to carry out online learning processes during the COVID-19 pandemic. The challenges of the digital divide faced during the digital learning process can be partially overcome by collaboration between the government, the community and the private sector, although the approach taken is different at each research location.

Abstract. The sustainability of rural drinking water supply systems (SPAM) is an important development issue in Indonesia related to the low access to clean and healthy water in rural areas. The low level of drinking water service in rural areas is inseparable from the failure of drinking water development which is caused by the absence of an optimal rural drinking water supply system. As happened in post-Pamsimas villages in Jember Regency. This condition is the background for researchers in conducting studies to find out what factors affect the sustainability of the use of SPAM facilities and infrastructure that are built, especially from the Pamsimas program based on the fulfillment of the KPI (Key Performance Indicator) target, namely KPI 3 related to the management of "sustainable service provision. drinking water for the community ”. This study aims to find out how the sustainability of community-based village SPAM after it has been built and what strategies must be applied to ensure the sustainability of the SPAM management is adjusted to the existing conditions in Jember Regency based on case studies in 19 villages after Pamsimas 2017 fiscal year. The research analysis used qualitative and quantitative descriptive and SWOT analysis. The results showed the management of rural SPAM in Jember Regency has not been optimal with the fulfillment of the KPI target in 3 villages after Pamsimas FY 2017 is still 78.95% (<90%), the weighted score of the EFAS and IFAS Matrix (or IE Matrix) results analysis of internal and external factors are (0.30; 0.76). The right strategy to ensure the sustainability of rural SPAM management in Jember Regency is the SO (Strengths – Opportunities) strategy, which is a strategy to achieve policy objectives by utilizing the strengths and potentials/opportunities possessed through collaboration and partnerships with stakeholders (Development, Local Government, Universities, private sector, banking) as well as the beneficiary community. Keywords: village SPAM, sustainability, access to safe and safe drinking water, SWOT analysis

-Monika Arnez, Keith Foulcher ,Clearing a space; Postcolonial readings of modern Indonesian literature. Leiden: KITlV Press, 2002, 381 pp. [Verhandelingen 202.], Tony Day (eds) -R.H. Barnes, Thomas Reuter, The house of our ancestors; Precedence and dualism in highland Balinese society. Leiden: KITLV Press, 2002, viii + 359 pp. [Verhandelingen 198.] -Freek Colombijn, Adriaan Bedner, Administrative courts in Indonesia; A socio-legal study. The Hague: Kluwer law international, 2001, xiv + 300 pp. [The London-Leiden series on law, administration and development 6.] -Manuelle Franck, Peter J.M. Nas, The Indonesian town revisited. Singapore: Institute of Southeast Asian studies, 2002, vi + 428 pp. [Southeast Asian dynamics.] -Hans Hägerdal, Ernst van Veen, Decay or defeat? An inquiry into the Portuguese decline in Asia 1580-1645. Leiden: Research school of Asian, African and Amerindian studies, 2000, iv + 306 pp. [Studies on overseas history, 1.] -Rens Heringa, Genevieve Duggan, Ikats of Savu; Women weaving history in eastern Indonesia. Bangkok: White Lotus, 2001, xiii + 151 pp. [Studies in the material culture of Southeast Asia 1.] -August den Hollander, Kees Groeneboer, Een vorst onder de taalgeleerden; Herman Nuebronner van der Tuuk; Afgevaardigde voor Indië van het Nederlandsch Bijbelgenootschap 1847-1873; Een bronnenpublicatie. Leiden: KITlV Uitgeverij, 2002, 965 pp. -Edwin Jurriëns, William Atkins, The politics of Southeast Asia's new media. London: RoutledgeCurzon, 2002, xii + 235 pp. -Victor T. King, Poline Bala, Changing border and identities in the Kelabit highlands; Anthropological reflections on growing up in a Kelabit village near an international frontier. Kota Samarahan, Sarawak: Unit Penerbitan Universiti Malayasia Sarawak, Institute of East Asian studies, 2002, xiv + 142 pp. [Dayak studies contemporary society series 1.] -Han Knapen, Bernard Sellato, Innermost Borneo; Studies in Dayak cultures. Singapore: Singapore University Press, 2002, 221 pp. -Michael Laffan, Rudolf Mrázek, Engineers of happy land; Technology and nationalism in a colony. Princeton, NJ: Princeton University Press, 2002, xvii + 311 pp. [Princeton studies in culture/power/history 15.] -Johan Meuleman, Michael Francis Laffan, Islamic nationhood and colonial Indonesia; The umma below the winds. London: RoutledgeCurzon, 2003, xvi + 294 pp. [SOAS/RoutledgeCurzon studies on the Middle East 1.] -Rudolf Mrázek, Heidi Dahles, Tourism, heritage and national culture in Java; Dilemmas of a local community. Leiden: International Institute for Asian studies/Curzon, 2001, xvii + 257 pp. -Anke Niehof, Kathleen M. Adams ,Home and hegemony; Domestic service and identity politics in South and Southeast Asia. Ann Arbor: University of Michigan Press, 2000, 307 pp., Sara Dickey (eds) -Robert van Niel, H.W. van den Doel, Afscheid van Indië; De val van het Nederlandse imperium in Azië. Amsterdam: Prometheus, 2001, 475 pp. -Anton Ploeg, Bruce M. Knauft, Exchanging the past; A rainforest world of before and after. Chicago: University of Chicago Press, 2002, x + 303 pp. -Harry A. Poeze, Nicolaas George Bernhard Gouka, De petitie-Soetardjo; Een Hollandse misser in Indië? (1936-1938). Amsterdam: Rozenberg, 303 pp. -Harry A. Poeze, Jaap Harskamp (compiler), The Indonesian question; The Dutch/Western response to the struggle for independence in Indonesia 1945-1950; an annotated catalogue of primary materials held in the British Library. London; The British Library, 2001, xx + 210 pp. -Elisabeth Schröder-Butterfill, Jan Breman ,Good times and bad times in rural Java; Case study of socio-economic dynamics in two villages towards the end of the twentieth century. Leiden: KITLV Press, 2002, xii + 330 pp. [Verhandelingen 195.], Gunawan Wiradi (eds) -Mariëtte van Selm, L.P. van Putten, Ambitie en onvermogen; Gouverneurs-generaal van Nederlands-Indië 1610-1796. Rotterdam: ILCO-productions, 2002, 192 pp. -Heather Sutherland, William Cummings, Making blood white; Historical transformations in early modern Makassar. Honolulu: University of Hawai'i Press, 2002, xiii + 257 pp. -Gerard Termorshuizen, Olf Praamstra, Een feministe in de tropen; De Indische jaren van Mina Kruseman. Leiden: KITlV Uitgeverij, 2003, 111 p. [Boekerij 'Oost en West'.] -Jaap Timmer, Dirk A.M. Smidt, Kamoro art; Tradition and innovation in a New Guinea culture; With an essay on Kamoro life and ritual by Jan Pouwer. Amsterdam: KIT Publishers/Rijksmuseum voor Volkenkunde, 2003, 157 pp. -Sikko Visscher, Amy L. Freedman, Political participation and ethnic minorities; Chinese overseas in Malaysia, Indonesia and the United States. London: Routledge, 2000, xvi + 231 pp. -Reed L. Wadley, Mary Somers Heidhues, Golddiggers, farmers, and traders in the 'Chinese districts' of West Kalimantan, Indonesia. Ithaca, NY: Southeast Asia program, Cornell University, 2003, 309 pp. -Edwin Wieringa, Jan Parmentier ,Peper, Plancius en porselein; De reis van het schip Swarte Leeuw naar Atjeh en Bantam, 1601-1603. Zutphen: Walburg Pers, 2003, 237 pp. [Werken van de Linschoten-Vereeniging 101.], Karel Davids, John Everaert (eds) -Edwin Wieringa, Leonard Blussé ,Kennis en Compagnie; De Verenigde Oost-Indische Compagnie en de moderne wetenschap. Amsterdam: Balans, 2002, 191 pp., Ilonka Ooms (eds) -Edwin Wieringa, Femme S. Gaastra, De geschiedenis van de VOC. Zutphen; Wal_burg Pers, 2002, 192 pp.

Early childhood development (PAUD) is a fundamental investment that is included in the Sustainable Development Goals (SDGs). Previous research has shown that ECD investment in Indonesia, and its financial governance remains a challenging issue. Through a qualitative approach to a case study method design, this study aims to examine the state of PAUD financial management in Panggungharjo Village, Yogyakarta. This study uses in-depth interviews and desk research as data collection techniques. The instrument was developed from the SABER-ECD World Bank Assessment and ECD Financial Profiling Tools. The results showed that PAUD financial management in established villages had innovative financing, budget management and institutional development resulted in a blueprint for managing PAUD financing in other villages in Indonesia. Important policy objectives in all aspects, including the legal framework, cross-sectoral coordination, program coverage, coverage, equity, data availability, quality standards, and compliance with standards, the vision of financing early childhood development will be more achievable for future research. Keywords: Early Childhood, Financial Governance, Village References: Alatas, H., Brinkman, S., Chang, M. C., Hadiyati, T., Hartono, D., Hasan, A., Hyson, M., Jung, H., Kinnell, A., Pradhan, M., & Roesli, R. (2013). Early childhood education and development services in Indonesia. In Education in Indonesia (pp. 82–108). Institute of Southeast Asian Studies. Ambang.Yudanto. (2019). Analisis Kepemimpinan Transformasional Kepala Desa dalam Pengelolaan Badan Usaha Milik Desa: Studi Kasus Bumdes Panggung Lestari, Bantul [Analysis of Village Head Transformational Leadership in Village Owned Enterprise Management: A Case Study of Bumdes Panggung Lestari, Bantul]. The Journal of Business and Management. Antlöv, H., Wetterberg, A., & Dharmawan, L. (2016). Village Governance, Community Life, and the 2014 Village Law in Indonesia. Bulletin of Indonesian Economic Studies, 52(2), 161–183. https://doi.org/10.1080/00074918.2015.1129047 Aqsati, F. A. (2018). Pengelolaan Alokasi Dana Desa untuk Pengembangan Pembedayaan Masyarakat di Desa Panggungharjo [Management of Village Fund Allocation for Community Empowerment Development in Panggungharjo Village]. Resolusi: Jurnal Sosial Politik. Astuti, S. J. W., & Suaedi, F. (2019). Building Independent Villages through Collaborative Governance by Village-Owned Enterprises (Best Practice from Panggungharjo Village, Central Java, Indonesia). Iapa Proceedings Conference, 265. https://doi.org/10.30589/proceedings.2018.200 Basuki, A. F., Setyowati, K., & Wahyunengseh, R. D. (2019). Accountability Model of Financial Management in the Public Sector: A Study on Panggungharjo Village Budget. Bisnis & Birokrasi Journal. https://doi.org/10.20476/jbb.v26i1.10312 Bauhr, M., & Nasiritousi, N. (2013). Resisting Transparency: Corruption, Legitimacy, and the Quality of Global Environmental Policies. Global Environmental Politics, 13(August), 46–64. https://doi.org/10.1162/GLEP Bloom, N., Van Reenen, J., & Williams, H. (2019). A toolkit of policies to promote innovation. Voprosy Ekonomiki, 2019(10), 5–31. https://doi.org/10.32609/0042-8736-2019-10-5-31 Boggild-Jones, I., Gardiner, S., Gustafsson-Wright, E., Castillo, A. M., Castro Espinosa, B., Sánchez Vázquez, G., Rivera Ruíz, M., Hetzel, O., Lugo, H., Khan, A., Mozambique, F., Duarte, S., Fisker, A., Mozambique, A., Briggs, C., Kasajja, M.-S., Anis, K., Campira, P., Figia, N., … Njoroge, S. (2017). Emily Gustafsson-Wright the Standardized Early Childhood Development Costing Tool (SECT) A Global Good to Increase and Improve Investments in Young Children. Brinkman, S. A., Hasan, A., Jung, H., Kinnell, A., & Pradhan, M. (2017). The impact of expanding access to early childhood education services in rural Indonesia. Journal of Labor Economics, 35(S1), S305–S335. https://doi.org/10.1086/691278 Britto, P. R., Engle, P. L., & Super, C. M. (2013). Handbook of Early Childhood Development Research and Its Impact on Global Policy. In Handbook of Early Childhood Development Research and Its Impact on Global Policy. https://doi.org/10.1093/acprof:oso/9780199922994.001.0001 Cardenas, M., & Cadena, A. M. (2020). How to prioritize Early Childhood? A note on the recent expeerience in Columbia. May 2020. Denboba, A., Hasan, A., & Wodon, Q. (2015). Early Childhood Education and Development in Indonesia. In World Bank Publications. Edi, A. C., & Wardhani, I. S. (2019). Transformational and Transactional Leadership, Understanding How Leadership Cultivates Democratic Citizenship in Panggungharjo, Bantul, Yogyakarta. PCD Journal, 6(2), 239. https://doi.org/10.22146/pcd.35229 Hasan, Amer., Hyson, Marilou., & Chu-Chang, M. (2013). Early childhood education and development in poor villages of Indonesia: Strong foundations, later success. World Bank. Istiqomah, L. (2016). Tiga Pilar Kebijakan Pemerintah dalam Pembinaan PAUD. Golden Age [Three Pillars of Government Policy in Early Childhood Education. Golden Age]: Jurnal Ilmiah Tumbuh Kembang Anak Usia Dini. Jeffrey, D. S., & Guido, S. T. (2014). Financing Sustainable Development: Implementing the SDGs through Effective Investment Strategies and Partnerships. Sustainable Development Solutions Network. Juniar, T. (n.d.). Efektivitas Program Kartu Jakarta Pintar (KIP) Dan Manfaatnya Dalam Meningkatkan Kesejahteraan Sosial Di SDN Bintaro 08 Pagi Jakarta Selatan [The Effectiveness of the Jakarta Smart Card (KIP) Program and Its Benefits in Improving Social Welfare at SDN Bintaro 08 Pagi South Jakarta]. Repository.Uinjkt.Ac.Id. Klees, S. J., Ginsburg, M., Anwar, H., Robbins, M. B., Bloom, H., Busacca, C., Corwith, A., Decoster, B., Fiore, A., Gasior, S., Le, H. M., Primo, L. H., & Reedy, T. D. (2020). The World Bank’s SABER: A Critical Analysis. Comparative Education Review. https://doi.org/10.1086/706757 Kurniawati, S., Suryadarma, D., Bima, L., & Yusrina, A. (2018). Education in Indonesia: A white elephant? Journal of Southeast Asian Economies, 35(2), 185–199. https://doi.org/10.1355/ae35-2e Magnuson, K., & Duncan, G. J. (2016). Can early childhood interventions decrease inequality of economic opportunity? Rsf, 2(2), 123–141. https://doi.org/10.7758/rsf.2016.2.2.05 Mizwar Hasyim, N. (2019). Peningkatan Kemandirian Desa Panggungharjo Melalui Komunikasi Pembangunan [Increasing the Independence of Panggungharjo Village through Development Communication]. Jurnal Pemberdayaan Masyarakat: Media Pemikiran Dan Dakwah Pembangunan, 3(2), 352–376. https://doi.org/10.14421/jpm.2019.032-06 Nakajima, N., Hasan, A., Jung, H., Kinnell, A., Maika, A., & Pradhan, M. (2021). Built to Last: Sustainability of Early Childhood Education Services in Rural Indonesia. Journal of Development Studies, 57(10), 1593–1612. https://doi.org/10.1080/00220388.2021.1873283 National Academies of Sciences Engineering and Medicine. (2018). Transforming the Financing of Early Care and Education. In Transforming the Financing of Early Care and Education. The National Academies Press. https://doi.org/10.17226/24984 Penner, E. K., Rochmes, J., Liu, J., Solanki, S. M., & Loeb, S. (2019). Differing views of equity: How prospective educators perceive their role in closing achievement gaps. Rsf, 5(3), 103–127. https://doi.org/10.7758/RSF.2019.5.3.06 Pratama, R. N., & Pambudi, A. (2017). Kinerja Badan Usaha Milik Desa Panggung Lestari dalam Meningkatkan Pendapatan Asli Desa di Desa Panggungharjon Kecamatan Sewon Kabupaten Bantul [Performance of Panggung Lestari Village-Owned Enterprises in Increasing Village Original Income in Panggungharjon Village, Sewon District, Bantul Regency]. Adinegara. Sayre, R. K., Devercelli, A. E., Neuman, M. J., & Wodon, Q. (2015). Investing in Early Childhood Development: Review of the World Bank’s Recent Experience. In Investing in Early Childhood Development: Review of the World Bank’s Recent Experience. https://doi.org/10.1596/978-1-4648-0403-8 Scheerens, J. (2015). School Effectiveness Research. In International Encyclopedia of the Social & Behavioral Sciences: Second Edition (Second Edition, Vol. 21). Elsevier. https://doi.org/10.1016/B978-0-08-097086-8.92080-4 Suryadarma, D., & Jones, G. W. (2013). Education in Indonesia. Education in Indonesia, 39(3), 1–278. The World Bank. (2013). What Matters Most for Early Childhood Development: A Framework Paper. Systems Approach for Better Education Results (SABER) Working Paper Series, 4–59. Vegas, E., & Santibanez, L. (2009). The Promise of Early Childhood Development in Latin America. In The Promise of Early Childhood Development in Latin America. https://doi.org/10.1596/978-0-8213-7759-8 Zúñiga, N. (2018). U4 Anti-Corruption Helpdesk Does: Does more transparency improve accountability? Transparancy International, 1–13.

Slum settlement is one of the significant global problems which requires special concern in the discussion agenda of Sustainable Development Goals (SDGs) of 2016-2030. The Sustainable Development Summit held in New York in September 2015 formulated that one of SDGs goals is to build inclusive, safe, resilient, and sustainable cities and settlements. In Indonesia, the achievement of this goal is stated in National Medium-Term Development Plan 2015-2019, i.e. creating 0% urban slum settlement which is supported by policies expected to accommodate the achievement of national development targets. Semarang Mayor Decree No. 050/801/2014 concerning the Determination of the Location of Housing Environment and Slum Settlements in Semarang City has been issued as the basis to identify slum settlements scattered throughout Semarang city, in terms of location, physical condition, and social conditions. This study was conducted by case studies on slum settlements in Trimulyo Village and Mangkang Wetan Village, Semarang city, Central Java Province, Indonesia, to formulate a slum upgrading model based on the resilience level of coastal communities towards climate change. The analysis included identifying the characteristics of slum settlements, scoring analysis to determine the resilience level possessed by coastal communities, and analysis of pentagon assets used to formulate slum upgrading models. The results of the study showed that these two research areas had a moderate level of vulnerability, with several different characteristics of asset ownership, particularly those related to human and social assets. Increasing the quality of human resources and social relations in the community was more intensified in the environment and community in Trimulyo, while improving the physical quality of the environment through housing improvements was carried out in Mangkang Wetan.

ABSTRAK Pengelolaan pembangunan desa islami adalah konsep pembangunan desa yang memiliki karakteristik tercapainya tujuan pembangunan sosial ekonomi yang berdimensi holistik, seimbang antara aspek material dan spiritual. Penelitian ini bertujuan untuk mengkaji pembahasan kajian-kajian terdahulu secara sistematis tentang konsep dan praktik pengelolaan pembangunan desa dalam perspektif islam. Dalam rangka melakukan review publikasi artikel secara sistematis, riset ini menggunakan standar protokol RAMESES. Hasil penelitian ini terbagi menjadi dua tema utama, yaitu peran dan fungsi lembaga keuangan mikro syariah dalam pembangunan desa dan Lembaga Swadaya Masyarakat dalam pengelolaan pembangunan desa. Tema pertama menghasilkan tiga subtema: praksis keuangan mikro syariah di Bangladesh, Malaysia, dan Indonesia. Tema kedua menghasilkan satu subtema yaitu peranan Pesantren dalam mendukung pengelolaan pembangunan desa. Hasilnya memberikan landasan untuk mengisi ruang-ruang yang belum dimasuki untuk membangun pengelolaan pembangunan desa yang komprehensif berdasarkan prinsip atau nilai Islam yang ideal. Kata kunci: Islami, Pengelolaan Pembangunan Desa, Systematic Literature Review. ABSTRACT Islamic village development management is a village development concept that has the characteristics of achieving socio-economic development goals with a holistic dimension, balanced between material and spiritual aspects. This study aims to systematically review the discussion of previous studies on the concepts and practices of village development management from an Islamic perspective. To conduct the article review systematically, this research was carried out using the RAMESES protocol standard. The results of this study are divided into two main themes, namely the role and function of Islamic microfinance institutions in village development and non-governmental organizations in managing village development. The first theme produces three sub-themes: the practice of Islamic microfinance in Bangladesh, Malaysia, and Indonesia. The second theme resulted in a sub-theme, namely Pesantren's role in supporting the management of village development. The results provide a foundation to fill in the gaps that have not been entered to build a comprehensive village development management based on ideal Islamic principles or values. Keywords: Islamic, Village Development Management, Systematic Literature Review. REFERENCES Abdullah, M. F., Amin, M. R., & Ab Rahman, A. (2017). Is there any difference between Islamic and conventional microfinance? Evidence from Bangladesh. International Journal of Business and Society, 18(S1), 97–112. Adejoke, A.-U. G. (2010). Sustainable microfinance institutions for poverty reduction: Malaysian experience. OIDA International Journal of Sustainable Development, 2(4), 47–56. http://dx.doi.org/10.2139/ssrn.1666023 Akhter, W., Akhtar, N., & Jaffri, S. K. A. (2009). Islamic micro-finance and poverty alleviation: A case of Pakistan. 2nd CBRC, Lahore, Pakistan, 1–8. Al-Jayyousi, O. (2009). Islamic values and rural sustainable development. Rural21, 39–41. Alwyni, F. A., & Salleh, M. S. (2019). Discourses on development and the Muslim world. International Journal of Business and Social Science, 10(11). https://doi.org/10.30845/ijbss.v10n11a16 Anwar, A. Z., Susilo, E., Rohman, F., Santosa, P. B., & Gunanto, E. Y. A. (2019). Integrated financing model in Islamic microfinance institutions for agriculture and fisheries sector. Investment Management and Financial Innovations, 16(4), 303–314. https://doi.org/10.21511/imfi.16(4).2019.26 Anwarul Islam, K. . (2016). Rural development scheme: A case study on Islami Bank Bangladesh Limited. International Journal of Finance and Banking Research, 2(4), 129. https://doi.org/10.11648/j.ijfbr.20160204.12 Aslam, M. N. (2014). Role of Islamic microfinance in poverty alleviation in Pakistan: An empirical approach. International Journal of Academic Research in Accounting, Finance and Management Sciences, 4(4), 143–152. https://doi.org/10.6007/ijarafms/v4-i4/1288 Bebbington, A., Dharmawan, L., Fahmi, E., & Guggenheim, S. (2006). Local capacity, village governance, and the political economy of rural development in Indonesia. World Development, 34(11), 1958–1976. https://doi.org/10.1016/j.worlddev.2005.11.025 Begum, H., Alam, A. S. A. F., Mia, M. A., Bhuiyan, F., & Ghani, A. B. A. (2019). Development of Islamic microfinance: A sustainable poverty reduction approach. Journal of Economic and Administrative Sciences, 35(3), 143–157. https://doi.org/10.1108/jeas-01-2018-0007 Begum, H., Alam, M. R., Ferdous Alam, A. S. A., & Awang, A. H. (2015). Islamic microfinance as an instrument for poverty alleviation. Advanced Science Letters, 21(6), 1708–1711. https://doi.org/10.1166/asl.2015.6123 Belton, B., & Filipski, M. (2019). Rural transformation in central Myanmar: By how much, and for whom? Journal of Rural Studies, 67(February), 166–176. https://doi.org/10.1016/j.jrurstud.2019.02.012 Bhuiyan, A. B., Siwar, C., Ismail, A. G., & Talib, B. (2011). Financial sustainability & outreach of MFIs: A comparative study of aim in Malaysia and RDS of Islami Bank Bangladesh. Australian Journal of Basic and Applied Sciences, 5(9), 610–619. Budiwiranto, B. (2009). Pesantren and participatory development: The case of the Pesantren Maslakul Huda of Kajen, Pati, Central Java. Journal of Indonesian Islam, 03(02), 267–296. Elwardi, D. (2018). The role of Islamic microfinance in poverty alleviation : Lessons from Bangladesh Experience. In MPRA Paper (No. University of Muenchen). Fatimatuzzahroh, F., Abdoellah, O. S., & Sunardi, S. (2015). The potential of pesantren in sustainable rural development. Jurnal Ilmiah Peuradeun, 3(2), 257–278. Retrieved from https://journal.scadindependent.org/index.php/jipeuradeun/article/view/66 Febianto, I., Binti Johari, F., & Zulkefli, Z. B. K. (2019). The role of Islamic microfinance for poverty alleviation in Bandung, Indonesia. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 2(1), 55. https://doi.org/10.12928/ijiefb.v2i1.736 Fianto, B. A., Gan, C., & Hu, B. (2019). Financing from Islamic microfinance institutions: Evidence from Indonesia. Agricultural Finance Review, 79(5), 633–645. https://doi.org/10.1108/AFR-10-2018-0091 Hassan, A. (2014). The challenge in poverty alleviation: Role of Islamic microfinance and social capital. Humanomics, 30(1), 76–90. https://doi.org/10.1108/H-10-2013-0068 Hassan, A. A., Qamar, M. U. R., & Chachi, A. (2017). Role of Islamic microfinance scheme in poverty alleviation and well-being of women implemented. İslam Ekonomisi ve Finansi Dergisi, 1, 1–32. Retrieved from http://dergipark.gov.tr/download/issue-file/11046 Hassan, A., & Saleem, S. (2017). An Islamic microfinance business model in Bangladesh: Its role in alleviation of poverty and socio-economic well-being of women. Humanomics, 33(1), 15–37. https://doi.org/10.1108/H-08-2016-0066 Hosen, M. N., & Fitria, S. (2018). The Performance of Islamic rural banks in Indonesia: 2010-2015. European Research Studies Journal, 21(Special Issue 3), 423–440. https://doi.org/10.35808/ersj/1393 Hudaefi, F. A., & Heryani, N. (2019). The practice of local economic development and maqāṣid al-sharī‘ah: Evidence from A Pesantren in West Java, Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 12(5), 625–642. https://doi.org/10.1108/IMEFM-08-2018-0279 Ibrahim, M., & Murtala, S. (2018). The Role of Islamic microfinance institutions in alleviating poverty in Bauchi State, Nigeria. International Journal of Service, Management and Engineering, 5(1), 9–22. Islam, M. T., Omori, K., & Yoshizuka, T. (2005). Rural development policy and administrative patterns in Bangladesh : A Critical Review. Bull. Fac. Life Env. Sci, 10, 19–26. Kazimoto, P., & Fukofuka, S. (2013). The financial management challenges on the village socio-economic development. International Forum, 16(2), 37–50. Khaleequzzaman, M., & Shirazi, N. S. (2012). Islamic microfinance - An inclusive approach with special reference to poverty eradication in Pakistan. IIUM Journal of Economics and Management, 20(1), 19–49. Kraus, S., Breier, M., & Dasí-Rodríguez, S. (2020). The art of crafting a systematic literature review in entrepreneurship research. International Entrepreneurship and Management Journal, 16(3), 1023–1042. https://doi.org/10.1007/s11365-020-00635-4 Laila, T. (2010). Islamic microfinance for alleviating poverty and sustaining peace. World Universities Congress, 1–9. Li, Y., Fan, P., & Liu, Y. (2019). What makes better village development in traditional agricultural areas of China? Evidence from long-term observation of typical villages. Habitat International, 83(October 2018), 111–124. https://doi.org/10.1016/j.habitatint.2018.11.006 Mamun, A., Uddin, M. R., & Islam, M. T. (2017). An Integrated approach to Islamic Microfinance for poverty alleviation in Bangladesh. Üniversitepark Bülten, 6(1), 33–44. https://doi.org/10.22521/unibulletin.2017.61.3 Mohamed, E. F., & Fauziyyah, N. E. (2020). Islamic microfinance for poverty alleviation : A systematic literature. International Journal of Economics, Management and Accounting, 28(1), 141–163. Muhammad Syukri Salleh. (2011). Islamic-based development for post-tsunami Aceh: A theoritical construct. Media Syariah: Wahana Kajian Hukum Islam Dan Pranata Sosial, 13(2), 163–168. Muhammad Syukri Salleh. (2015a). An Islamic approach to poverty management: The Ban Nua Way. International Journal of Contemporary Applied Sciences, 2(7), 186–205. Muhammad Syukri Salleh. (2015b). Islamic economics revisited: Re-contemplating unresolved structure and assumptions. 8th International Conference on Islamic Economics and Finance, (January). Mustari, M. (2014). The roles of the institution of pesantren in the development of rural society: A study in kabupaten Tasikmalaya, West Java, Indonesia. International Journal of Nusantara Islam, 1(2), 13–35. https://doi.org/10.15575/ijni.v1i1.34 Mustari, M. (2018). Institution of pesantren as a contributing factor in developing rural communities. Socio Politica, 8(1), 71–89. Nasrin, N., & Sarker, S. B. (2014). Disbursement and recovery of rural credit: A study on Rajapur Branch of Rupali Bank Limited. IOSR Journal of Business and Management, 16(11), 15–23. https://doi.org/10.9790/487x-161161523 Onakoya, A. B., & Onakoya, A. O. (2013). Islamic microfinance as a poverty alleviation tool: Expectations from Ogun State, Nigeria. Scholarly Journal of Business Administration, 3(2), 36–43. Organisation for Economic Co-Operation and Development (OECD). (2006). A paradigm shift in rural development. Rahim Abdul Rahman, A. (2010). Islamic Microfinance: An ethical alternative to poverty alleviation. Humanomics, 26(4), 284–295. https://doi.org/10.1108/08288661011090884 Rahim, S. A. (2017). Evaluation of the effectiveness of training programmes of Islami Bank Bangladesh Limited. Journal of Business and Retail Management Research, 11(3), 154–164. Rokhman, W. (2013). The effect of Islamic microfinance on poverty alleviation: Study in Indonesia. Economic Review – Journal of Economics and Business, XI(2), 21–30. Samsuddin, S. F., Shaffril, H. A. M., & Fauzi, A. (2020). Heigh-ho, heigh-ho, to the rural libraries we go! - a systematic literature review. Library and Information Science Research, 42(1). https://doi.org/10.1016/j.lisr.2019.100997 Satar, N., & Kassim, S. (2020). Issues and challenges in financing the poor: lessons learned from Islamic microfinance institutions. EJIF - European Journal of Islamic Finance, 1(15), 1–8. Shaffril, H. A. M., Ahmad, N., Samsuddin, S. F., Samah, A. A., & Hamdan, M. E. (2020). Systematic literature review on adaptation towards climate change impacts among indigenous people in the Asia Pacific Regions. Journal of Cleaner Production, 258, 120595. https://doi.org/10.1016/j.jclepro.2020.120595 Suzuki, Y., Pramono, S., & Rufidah, R. (2016). Islamic microfinance and poverty alleviation program: Preliminary research findings from Indonesia. Share: Jurnal Ekonomi Dan Keuangan Islam, 5(1), 63–82. https://doi.org/10.22373/share.v5i1.910 Uddin, T. A., & Mohiuddin, M. F. (2020). Islamic social finance in Bangladesh: Challenges and opportunities of the institutional and regulatory landscape. Law and Development Review, 13(1), 265–319. https://doi.org/10.1515/ldr-2019-0072 Umar, H., Usman, S., & Purba, R. B. R. (2018). The influence of internal control and competence of human resources on village fund management and the implications on the quality of village financial reports. International Journal of Civil Engineering and Technology, 9(7), 1526–1531. Wajdi Dusuki, A. (2008). Banking for the poor: The role of Islamic banking in microfinance initiatives. Humanomics, 24(1), 49–66. https://doi.org/10.1108/08288660810851469 Wong, G., Greenhalgh, T., Westhorp, G., Buckingham, J., & Pawson, R. (2013). RAMESES publication standards: Meta-narrative reviews. Journal of Advanced Nursing, 69(5), 987–1004. https://doi.org/10.1111/jan.12092 Xalane, M. A. E., & Binti Che Mohd Salleh, M. (2018). Poverty alleviation in Mogadishu, Somalia: The role of Islamic microfinance. Global Conference on Islamic Economics and Finance 2018, 60–80. Yudha, E. P., Juanda, B., Kolopaking, L. M., & Kinseng, R. A. (2020). Rural development policy and strategy in the rural autonomy era. Case study of pandeglang regency-indonesia. Human Geographies, 14(1), 125–147. https://doi.org/10.5719/hgeo.2020.141.8

ABSTRAK Wakaf tunai merupakan salah satu instrumen keuangan syariah berbasis sosial yang penting untuk dikembangkan karena mudah digunakan sesuai dengan kebutuhan masyarakat yang ada, seperti untuk modal usaha mikro bagi petani. Mayoritas petani adalah masyarakat kelas menengah ke bawah yang menggantungkan mata pencahariannya dari hasil panen. Pandemi Covid-19 yang melanda Indonesia dan dunia membuat banyak keluarga mengalami kekurangan finansial, termasuk keluarga petani. Wakaf dapat membantu pembiayaan produksi para petani melalui program Wakaf Modal Usaha Mikro. Namun, masih terdapat beberapa kendala program ini sehingga program tersebut tidak berjalan secara maksimal. Penelitian ini bertujuan untuk menganalisis prioritas masalah dan solusi untuk mengoptimalkan peran wakaf modal usaha mikro bagi petani di Lamongan. Jenis penelitian ini adalah metode campuran dengan menggunakan pendekatan Analytic Network Process (ANP). Data diperoleh dari wawancara mendalam dengan tujuh pakar wakaf dan pertanian. Prioritas masalah adalah pada di nazhir terkait minimnya anggaran untuk pelayanan administrasi, sedangkan prioritas solusinya adalah menambah anggaran untuk pelayanan administrasi. Hasil penelitian dapat digunakan oleh Badan Wakaf Indonesia (BWI) bersama dengan Dinas Tanaman Pangan, Hortikultura, dan Perkebunan untuk mengembangkan wakaf di bidang pertanian. Kata Kunci: Wakaf Uang, Wakaf Produktif, Pemberdayaan Petani, Modal Usaha Mikro. ABSTRACT Cash waqf is one of the essential social-based Islamic financial instruments to be developed since it is easily used according to the existing community's needs, such as for micro-business capital for farmers. Most working as farmers are middle- to lower-class people who depend on their livelihoods from harvests. The Covid-19 pandemic that has hit Indonesia and the world has left many families experiencing financial shortages, including farming families. The Micro Business Capital Waqf program has been implemented in Lamongan. However, this program still encountered several problems that made the program not optimally conducted and could not be implemented in the broader community. This study aims to analyze the priority problems and solutions to optimize the role of micro-business capital waqf for farmers in Lamongan. This type of research was a mixed method using the Analytic Network Process (ANP) approach. Data were obtained from in-depth interviews with seven waqf and agriculture experts. The priority problem in Nazhir was related to the lack of budget for administrative services, while the priority solution was increasing the funding for administrative services. The research results can be used by the Indonesian Waqf Board (BWI) and the Department of Food Crops, Horticulture, and Plantations to develop waqf in agriculture. Keywords: Cash Waqf, Productive Waqf, Farmer Empowerment, Micro Business Capital. REFERENCES Ali, K. M., Yuliani, M., Mulatsih, S., & Abdullah, Z. (2018). Aspek-aspek prioritas manajemen wakaf di Indonesia. Al Falah: Journal of Islamic Economics, 3(1), 1-26. DOI: http://dx.doi.org/10.29240/jie.v3i1.345 Amuda, Y. J. (2017). Commercialization of cash waqf in Nigeria: An analysis of its implementation. Doctoral Dissertation, Academy of Islamic Studies, University of Malaya Amuda, Y. J., Embi, A. C., & Babatunde, O. H. (2014). An agricultural approach to the commercialization of cash waqf between Malaysia and Nigeria. Journal of Advanced Management Science, 2(4), 344–348. DOI: 10.12720/joams.2.4.344-348 Ascarya, & Yumanita, D. (2018). Analisis rendahnya pengumpulan zakat di Indonesia dan alternatif solusinya. Working Paper Bank Indonesia, WP/9/2018 Faizin, Y. (2021). Micro business capital waqf for lamongan farmer Global Wakaf. (2020a). Global wakaf solusi sejatinya membangun kehidupan. Dipresentasikan dalam acara Indonesia Sharia Economic Festival (ISEF). Indonesia Sharia Economic Festival (ISEF). Retrieved from https://isef.co.id/wp-content/uploads/2020/11/5.-GLOBAL-WAKAF_ISEF_06102020.pdf Global Wakaf. (2020b). Panen raya bahagiakan petani binaan global wakaf. Retrieved from https://news.act.id/berita/panen-raya-bahagiakan-petani-binaan-global-wakaf Hamzani, A. (2015). Perkembangan hukum wakaf di Indonesia. Diya Media Group Hasan, S., & Rajafi, A. (2018). Pengelolaan tanah wakaf masjid di kota manado. Aqlam: Journal of Islam and Plurality, 3(2). DOI: http://dx.doi.org/10.30984/ajip.v3i2.726 Huda, N., Rini, N., Mardoni, Y., Hudori, K., & Anggraini, D. (2017). Problems, solutions, and strategies priority for waqf in Indonesia. Journal of Economic Cooperation & Development, 38(1), 29-54. Hydra, M. (2020). An integrative model of waqf, sadaqah, and takaful for poverty alleviation through empowering women farmers in the rural Gambia. Journal of Islamic Finance, 5(3), 1–12. Indonesian Waqf Board. (2021). Gerakan nasional wakaf uang 2021. Retrieved from https://www.bwi.go.id/5806/2021/01/21/gerakan-nasional-wakaf-uang-2021/ Khamim. (2021). Micro business capital waqf for lamongan farmer Kurniawan, E., Iman, N., & Santoso, A. (2021). Simas Waqfuna sebagai solusi pengelolaan wakaf untuk multi oraganisasi yang transparan (Simas Waqfuna). IKRA-ITH Informatika: Jurnal Komputer Dan Informatika, 5(3), 18–27. Lin, J. H., & Yang, C. J. (2016). Applying analytic network process to the selection of construction projects. Open Journal of Social Sciences, 4(3), 41. DOI:10.4236/jss.2016.43007 Melinda, S., Qurrat, V. ., Yusida, E., Purnamasari, V., Seprillina, L., & Hussain, N. (2021). The role of cash waqf as a source of micro business financing for strengthening the local economy: a case study in Gunung Kawi district, Malang regency. Review of Integrative Business and Economics Research, 10(1), 136–144. Ministry of Communication and Information Technology. (2022, October 7). Perkuat literasi wakaf secara berkelanjutan pemerintah libatkan forum jurnalis wakaf indonesia. Retrieved from kominfo.go.id: https://www.kominfo.go.id/content/detail/44786/perkuat-literasi-wakaf-secara-berkelanjutan-pemerintah-libatkan-forum-jurnalis-wakaf-indonesia/0/berita#:~:text=Badan%20Wakaf%20Indonesia%20(BWI)%20mencatat,2021%20senilai%20855%20miliar%20rupiah. Ministry of Religion of the Republic of Indonesia. (2013a). Panduan pengelolaan wakaf tunai. Retrieved from https://jatim.kemenag.go.id/file/file/panduanwakaf/ynqo1425024661.pdf Ministry of Religion of the Republic of Indonesia. (2013b). Pedoman pengelolaan dan perkembangan wakaf. Direktoral Jendral Bimbingan Masyarakat Islam. Direktorat Pemberdayaan Wakaf Muntaqo, F. (2015). Problematika dan prospek wakaf produktif di Indonesia. Al-Ahkam, 1(25), 83-108. DOI: 10.21580/ahkam.2015.1.25.195 Purba, H. J., Yusuf, E. S., & Erwidodo. (2020). Dampak pandemi Covid-19 terhadap pertumbuhan ekonomi dan sektor pertanian. In Dampak Pandemi Covid-19: Perspektif Adaptasi dan Resiliensi Sosial Ekonomi Pertanian (pp. 23-46). Jakarta: IAARD PRESS Rahman, Y. (2021). Micro business capital waqf for Lamongan farmers Rizal, M. S. (2021). Manajemen wakaf tunai berbasis masjid di masa Covid-19 (studi pengelolaan dana wakaf sebagai modal usaha mikro jama’ah di Masjid Baiturrohman Madiun) [Institut Islam Negeri Ponorogo]. Tesis tidak dipublikasikan. Institut Islam Negeri Ponorogo. Rusydiana, A. & Devi, A. (2013). Analytic network process: Pengantar teori dan aplikasi. Smart Publishing. Saptono, I. (2019). Wakaf untuk kesejahteraan ummat dalam konteks revolusi industry 4.0. Dipresentasikan dalam Indonesia Waqf Summit 2019. Sapuan, N. M., Rajadurai, J., Zeni, N. A. M., & Hashim, S. L. M. (2018). Developing a holistic business model for an efficient waqf property in Malaysia. Global Business and Management Research, 10(3), 445. Sisyanto. (2017). Micro business capital waqf for Lamongan farmers Sulistiani, S. (2017). Perbaruan hukum wakaf di Indonesia. PT Refika Aditama Syahyuti., & Aldillah, R. (2020). Upaya menekan dampak pandemi Covid-19 pada sumber daya manusia pertanian. In Dampak Pandemi Covid-19: Perspektif Adaptasi dan Resiliensi Sosial Ekonomi Pertanian (pp. 549-570). Jakarta: IAARD PRESS. Syahyuti., & Elizabeth, R. (2020). Kebutuhan jaring pengaman sosial untuk petani pada masa pandemi Covid-19. In Dampak Pandemi Covid-19: Perspektif Adaptasi dan Resiliensi Sosial Ekonomi Pertanian (pp. 481-498). Jakarta: IAARD PRESS. Thanker, M. A. M. T., Amin, M. F., Thaker, H. M. T., Khaliq, A., & Pitchay, A. A. (2020). Cash waqf model for micro enterprise's human capital development. ISRA International Journal of Islamic Finance, 13(1), 66-83. DOI: 10.1108/IJIF-08-2018-0091 Utomo, Y. (2021). Micro business capital waqf for Lamongan farmers Youneszadeh, H., Ardeshir, A., & Sebt, M. (2017). Exploring critical success factors in urban housing projects using fuzzy analytic network process. Civil Engineering Journal, 3(11), 1048–1067. DOI: 10.28991/cej-030937 Yuli, S. B. C. (2015). Optimalisasi peran wakaf dalam pemberdayaan Usaha Mikro, Kecil dan Menengah (UMKM). Ekonomika-Bisnis, 6(1), 1–15. DOI: https://doi.org/10.22219/jibe.v6i1.2269 Yusof, M. A., Aziz, M. R. A., & Johari, F. (2013). The relationship between level of income and willingness of muslim community to contribute for Islamic waqf bank. In 5th Islamic Economic System Conference (IECONS 2013), Berjaya Times Square Hotel, Kuala Lumpur on 4th-5th September. Retrieved from http://www.nuradli.com/iecons2013/4B-1.pdf

<p class="AbstractTitle"><em>Abstract: </em><em>Astronomy is a natural science that studies celestial objects and phenomena that include observation and explanation, occurs outside Earth and its atmosphere. Location of Indonesia which is at the equator enables the constellations in north sky and south sky can be observed very well. In Asia Pacific, astronomy in Indonesia is also growing and interested by many researchers from abroad. Astronomy also has relationship with aerospace engineering. Aerospace engineering studies about aircraft design. PT Dirgantara Indonesia is also the first and only one aircraft company in Southeast Asia. However, there are obstacles in these potentials, as in Indonesia, astronomy formal education is only at Institut Teknologi Bandung (ITB). Besides, facilities and infrastructures to study astronomy are still concentrated in Java. Yogyakarta is known as “Kota Pelajar” where the dynamics of education and tourism are strong enough to make it possible to deliver a High School of Astronomy and Aerospace, precisely in Gunungkidul Regency. Gunungkidul have ecological conditions that are still green and far away from the word "metropolitan" so as can be a place to facilitate astronomical observation. From this location, Sustainable Architecture becomes an approach that combines the aspects of efficiency, conservation, and durability that can be applied to the building and the environment. The efficiency is applied in energy use, particularly in the use of sun light and wind direction, as well as the efficiency of land use, so that not all of the site is covered by buildings that can provide green open space. On the conservation aspect is closely linked to sustainable development, especially in the use of natural resources. Conservation will keep the natural resources remain on a sustainable point. Durability is the resistance of a building and environment. In this case, how to make the building can last a long time because of the threat around the environment is minimized. It begins from site planning, the use of land that is not harmful to the building and surrounding communities.</em></p><p class="Abstract"><em> </em></p><p class="Abstract"><strong><em>Keywords:</em></strong><em> aerospace, astronomy, education, </em>Gunungkidul<em>, high school, sustainable architecture.</em><em></em></p>

- Tim Behrend, Nancy K. Florida, Javanese literature in Surakarta manuscripts; Volume 2; Manuscripts of the Mangkunagaran palace. Ithaca, New York: Cornell University Southeast Asia Program, 2000, 575 pp. - Harold Brookfield, Judith M. Heimann, The most offending soul alive; Tom Harrisson and his remarkable life. Honolulu: University of Hawai’i Press, 1998, 468 pp. - Harold Brookfield, Victor T. King, Rural development and social science research; Case studies from Borneo. Phillips, Maine: Borneo Research Council, 1999, xiii + 359 pp. [Borneo Research Council Proceedings Series 6.] - J.G. de Casparis, Roy E. Jordaan, The Sailendras in Central Javanese history; A survey of research from 1950 to 1999. Yogyakarta: Penerbitan Universitas Sanata Dharma, 1999, iv + 108 pp. - H.J.M. Claessen, Francoise Douaire-Marsaudon, Les premiers fruits; Parenté, identité sexuelle et pouvoirs en Polynésie occidentale (Tonga, Wallis et Futuna). Paris: Éditions de la Maison des Sciences de l’Homme, 1998, x + 338 pp. - Matthew Isaac Cohen, Andrew Beatty, Varieties of Javanese religion; An anthropological account. Cambridge: Cambridge University Press, 1999, xv + 272 pp. [Cambridge Studies in Social and Cultural Anthropology 111.] - Matthew Isaac Cohen, Sylvia Tiwon, Breaking the spell; Colonialism and literary renaissance in Indonesia. Leiden: Department of Languages and Cultures of Southeast Asia and Oceania, University of Leiden, 1999, vi + 235 pp. [Semaian 18.] - Freek Colombijn, Victor T. King, Anthropology and development in South-East Asia; Theory and practice. Kuala Lumpur: Oxford University Press, 1999, xx + 308 pp. - Bernhard Dahm, Cive J. Christie, A modern history of South-East Asia; Decolonization, nationalism and seperatism. London: Tauris, 1996, x + 286 pp. - J. van Goor, Leonard Blussé, Pilgrims to the past; Private conversations with historians of European expansion. Leiden: Research School CNWS, 1996, 339 pp., Frans-Paul van der Putten, Hans Vogel (eds.) - David Henley, Robert W. Hefner, Market cultures; Society and morality in the new Asian capitalisms. Boulder, Colorado: Westview Press, 1998, viii + 328 pp. - David Henley, James F. Warren, The Sulu zone; The world capitalist economy and the historical imagination. Amsterdam: VU University Press for the Centre for Asian Studies, Amsterdam (CASA), 1998, 71 pp. [Comparative Asian Studies 20.] - Huub de Jonge, Laurence Husson, La migration maduraise vers l’Est de Java; ‘Manger le vent ou gratter la terre’? Paris: L’Harmattan/Association Archipel, 1995, 414 pp. [Cahier d’Archipel 26.] - Nico Kaptein, Mark R. Woodward, Toward a new paradigm; Recent developments in Indonesian Islamic thought. Tempe: Arizona State University, Program for Southeast Asian Studies, 1996, x + 380 pp. - Catharina van Klinken, Gunter Senft, Referring to space; Studies in Austronesian and Papuan languages. Oxford: Clarendon Press, 1997, xi + 324 pp. - W. Mahdi, J.G. de Casparis, Sanskrit loan-words in Indonesian; An annotated check-list of words from Sanskrit in Indonesian and Traditional Malay. Jakarta: Badan Penyelenggara Seri NUSA, Universitas Katolik Indonesia Atma Jaya, 1997, viii + 59 pp. [NUSA Linguistic Studies of Indonesian and Other Languages in Indonesia 41.] - Henk Maier, David Smyth, The canon in Southeast Asian literatures; Literatures of Burma, Cambodia, Indonesia, Laos, Malaysia, the Philippines, Thailand and Vietnam. Richmond: Curzon, 2000, x + 273 pp. - Toon van Meijl, Robert J. Foster, Social reproduction and history in Melanesia; Mortuary ritual, gift exchange, and custom in the Tanga islands. Cambridge: Cambridge University Press, 1995, xxii + 288 pp. - J.A. de Moor, Douglas Kammen, A tour of duty; Changing patterns of military politics in Indonesia in the 1990’s. Ithaca, New York: Southeast Asia Program, Cornell University, 1999, 98 pp., Siddharth Chandra (eds.) - Joke van Reenen, Audrey Kahin, Rebellion to integration; West Sumatra and the Indonesian polity, 1926-1998. Amsterdam University Press, 1999, 368 pp. - Heather Sutherland, Craig J. Reynolds, Southeast Asian Studies: Reorientations. Ithaca: Southeast Asia Program, Cornell University, 1998, 70 pp. [The Frank H. Golay Memorial Lectures 2 and 3.], Ruth McVey (eds.) - Nicholas Tarling, Patrick Tuck, The French wolf and the Siamese lamb; The French threat to Siamese independence, 1858-1907. Bangkok: White Lotus, 1995, xviii + 434 pp. [Studies in Southeast Asian History 1.] - B.J. Terwiel, Andreas Sturm, Die Handels- und Agrarpolitik Thailands von 1767 bis 1932. Passau: Universität Passau, Lehrstuhl für Südostasienkunde, 1997, vii + 181 pp. [Passauer Beiträge zur Südostasienkunde 2.] - René S. Wassing, Koos van Brakel, A passion for Indonesian art; The Georg Tillmann collection at the Tropenmuseum Amsterdam. Amsterdam. Royal Tropical Institute/Tropenmuseum, 1996, 128 pp., David van Duuren, Itie van Hout (eds.) - Edwin Wieringa, J. de Bruin, Een Leidse vriendschap; De briefwisseling tussen Herman Bavinck en Christiaan Snouck Hurgronje, 1875-1921. Baarn: Ten Have, 1999, 192 pp. [Passage 11.], G. Harinck (eds.)

The problem of handling the Covid-19 pandemic is not only about health but also the massive social-economic impact (McKee and Stuckler, 2020; Daniel et al., 2020; Mahler et., 2020; Laborde et al., 2020). Multidimensional responses from various countries have also been followed by Indonesia since the enactment of Presidential Decree 11/2020 concerning the Establishment of a Covid-19 Public Health Emergency. The Indonesian government is taking extraordinary steps by focusing on health care, social safety nets, and economic recovery. This study harmonizes various regulations in handling the socio-economic impacts of the Covid-19 Pandemic, especially in the implementation of social safety nets and takes case studies of the formulation and implementation of social safety nets in Gresik Regency as an area with a high escalation of Covid-19 infections, experiencing large-scale social restrictions, and poverty conditions which are above the national and East Java averages. The approach used in this study is a sociological approach with the methodology of harmonization of law, Regulatory Impact Analysis(RIA) and the Rule, Opportunity, Capacity, Communication, Interest, Process, and Ideology (ROCCIPI) method. Data mining in harmonization comes from statutory provisions that are directly related to the implementation of social safety nets. Meanwhile, the RIA and ROCIIPI analysis used 19 informants who were directly involved in preparing social safety net regulations in Gresik Regency. The research finding is a regulatory harmonization framework social safety net from the national to regional levels, as well as an analysis of the formulation and implementation of social safety net regulations based on good regulatory governance criteria. Gresik Regency's social safety net regulations are aligned with the priority of the Government's extraordinary measures in the field of state finance in the context of saving health and the national economy through a focus on spending on health, social safety net, and economic recovery. Formulation and implementation of regulations Gresik Regent Regulation 16/2020 concerning Social Safety Nets, Economic Stimulants, and Village Direct Cash Assistance Handling the 2019 Corona Virus Disease (Covid-19) Pandemic Gresik Regency has complied with most of the good regulatory governance criteria but requires improvement in aspects bureaucratic level involvement, stakeholder involvement, and transparency and communication factors.

ABSTRAK Kemisikinan merupakan suatu permasalahan yang harus ditemukan cara mengentaskannya. Islam agama yang sempurna telah memberikan solusi melalui instrument zakat, infak, dan sedekah. Tujuan dari penelitian ini adalah untuk menilai dampak zakat, infak, sedekah di LAZNAS LMI (Lembaga Manajemen Infaq) dengan Pendekatan CIBEST. Metode penelitian yang digunakan adalah kuantitatif dengan uji beda antara kondisi material dan spiritual mustahik sebelum dibantu dengan setelah disalurkan dana ZIS. Hasil analisis dari 355 penerima manfaat menunjukkan bahwa pada kuadran I, penerima manfaat yang dikategorikan sejahtera bertambah 28% sesudah dibantu. Pada kuadran II, penerima manfaat yang dikategorikan miskin secara material menurun sebesar 27,7%. Selain itu pada kuadran IV penerima manfaat yang dikategorikan miskin secara absolut, juga ikut menurun sebesar 0,3%. Hasil Uji Beda juga menunjukan ada perbedaan indeks spiritual maupun indeks material penerima manfaat antar sebelum dan sesudah pemberian dana ZIS dibuktikan dengan Uji Beda Wilcoxon untuk indeks material value, dan Uji T berpasangan untuk indeks spiritual value.. Dengan adanya hasil penilaian kaji dampak ini diharapkan dampak dari bantuan yang diberikan bisa terukur dan juga menjadi bahan evaluasi serta perencanaan untuk program-program yang akan datang. Implikasi temuan penelitian ini dapat memberikan refrensi terkait manfaat zakat, infak, sedekah dalam membantu mengetaskan kemiskinan yang dilakukan oleh lembaga amil zakat nasional. Secara praktik, Lembaga Manajemen Infaq perlu memberikan perhatian khusus kepada mustahik yang berada di kategori miskin absolut, dengan memberikan intervensi ekonomi dan pembinaan secara spiritual. Kata Kunci: Kaji Dampak, ZIS, Kemiskinan, CIBEST, Lemabga Amil Zakat, Lembaga Manajemen Infaq. ABSTRACT Poverty is a problem that must find a way to eradicate. Islam, the perfect religion, has provided a solution through the instruments of zakat, infaq, and shadaqah. The purpose of this study was to assess the impact of Zakat, Sedekah, and Infaq in Lembaga Manajemen Infaq with the CIBEST Approach. The method used is quantitative by distributing questionnaires and testing the difference between the material and spiritual conditions of the mustahik before being assisted with after the ZIS funds are distributed. The results of the analysis of 355 beneficiaries showed that in quadrant I, beneficiaries categorized as prosperous increased by 28% after being assisted. In quadrant II, beneficiaries categorized as materially poor decreased by 27.7%. In addition, in quadrant IV, beneficiaries who are categorized as absolute poor also decreased by 0.3%. The results of the Difference Test also show that there are differences in the spiritual index and material index of beneficiaries between before and after the provision of ZIS funds, as evidenced by the Wilcoxon Difference Test for the material value index, and the paired T-test for the spiritual value index. The assistance provided can be measured and can also be used as material for evaluation and planning for future programs. The implications of the findings of this study can provide a reference regarding the benefits of zakat, shadaqah, and infaq in helping to alleviate poverty carried out by the national amil zakat institution. In practice, Amil Zakat Organization needs to pay special attention to mustahik who are in the absolute poor category, by providing economic intervention and spiritual guidance. Keywords: Assessment of Impact, ZIS, Poverty, CIBEST, Amil Zakat Organization, Lembaga Manajemen Infaq. DAFTAR PUSTAKA Ahmed, B. O., Johari, F., & Wahab, K. A. (2017). Identifying the poor and the needy among the beneficiaries of zakat Need for a zakat-based poverty threshold in Nigeria. International Journal of Social Economics, 44(4), 446–458. https://doi.org/10.1108/IJSE-09-2015-0234 Amalia, & Mahalli, K. (2012). Analisis peran zakat dalam mengurangi kemiskinan: Studi kasus dompet dhuafa republika. Jurnal Ekonomi dan Keuangan. Andam, A. C., & Osman, A. Z. (2019). Determinants of intention to give zakat on employment income: Experience from Marawi City, Philippines. Journal of Islamic Accounting and Business Research, 10(4), 528–545. https://doi.org/10.1108/JIABR-08-2016-0097 Ashar, M. A., & Nafik, M. (2019). Implementasi metode CIBEST (Center of Islamic business and economic studies) dalam mengukur peran zakat produktif terhadap pemberdayaan mustahiq di lembaga yayasan dana sosial al-falah (ydsf) Surabaya. Jurnal Ekonomi Syariah Teori dan Terapan, 6(5). 1057-1071. https://doi.org/10.20473/vol6iss20195pp1057-1071 Asian Development Bank. (2021). Daftar negara dengan penduduk hidup di bawah garis kemiskinan terbanyak di Asia Tenggara. Retrieved from https://databoks.katadata.co.id/datapublish/2021/11/19/daftar-negara-dengan-penduduk-hidup-di-bawah-garis-kemiskinan-terbanyak-di-asia-tenggara Asmalia, S., Kasri, R. A., & Ahsan, A. (2018). Exploring the potential of zakah for supporting realization of sustainable development Goals (SDGs) in Indonesia. International Journal of Zakat, 3(4), 51–69. https://doi.org/10.37706/IJAZ.V3I4.106 Ayuniyyah, Q., Pramanik, A. H., Md Saad, N., & Ariffin, M. I. (2022). The impact of zakat in poverty alleviation and income inequality reduction from the perspective of gender in West Java, Indonesia. International Journal of Islamic and Middle Eastern Finance and Management. Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/IMEFM-08-2020-0403 Ayyubi, S. el, & Saputri, H. E. (2018). Analysis of the impact of zakat, infak, and sadaqah distribution on poverty alleviation based on the CIBEST model (Case study: Jogokariyan baitul maal mosque, Yogyakarta). In International Journal of Zakat, 3(2), 85-97. https://doi.org/10.37706/ijaz.v3i2.80 Beik, I. S., & Arsyianti, L. D. (2015). Construction of CIBEST model as measurement of poverty and welfare indices from Islamic perspective. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 7(1), 87–104. https://doi.org/10.15408/AIQ.V7I1.1361 Beik, I. S., & Arsyianti, L. D. (2016). Measuring zakat impact on poverty and welfare using Cibest model. Journal of Islamic Monetary Economics and Finance, 1(2), 141–160. https://doi.org/10.21098/JIMF.V1I2.524 Beik, I. S., & Arsyianti, L. D. (2017). Ekonomi pembangunan syariah. Surabaya: Rajagrafindo Persada. BPS. (2022). Persentase penduduk miskin September 2021 turun menjadi 9,71 persen. Retrieved from https://www.bps.go.id/pressrelease/2022/01/17/1929/persentase-penduduk-miskin-september-2021-turun-menjadi-9-71-persen.html Efendi, M. S., & Fathurrohman, M. S. (2021). Dampak zakat terhadap kesejahteraan material dan spiritual mustahik (Studi kasus baznas microfinance desa sawojajar). Jurnal Ekonomi Syariah Teori dan Terapan, 8(6), 686-695. https://doi.org/10.20473/VOL8ISS20216PP686-695 Ghahari, S., Khademolreza, N., Ghasemnezhad, S., Babagholzadeh, H., & Ghayoomi, R. (2018). Comparison of anxiety and depression in victims of spousal abused and non-abused women in primary health care (PHC) in Babol-Iran. UCT Journal of Social Science and Humanities Research, 6(2), 14-18. https://doi.org/10.24200/jsshr.vol6iss02pp14-18 Halimatussakdiyah, & Nurlaily. (2021). Analisis pendayagunaan zakat produktif dalam mengurangi kemiskinan berdasarkan model Cibest (Studi kasus badan amil zakat nasional Prov Sumut). At-Tawassuth: Jurnal Ekonomi Islam, 1(Januari –Juni 2021), 12–25. Handayani, R. (2020). Model Cibest terhadap pengelolaan zakat produktif untuk mengukur kesejahteraan mustahik (Studi kasus Lazisnu Kota Metro). Skripsi tidak dipublikasikan. Lampung: IAIN Metro. Hayakawa, H., & Venieris, Y. P. (2019). Duality in human capital accumulation and inequality in income distribution. Eurasian Economic Review, 9(3), 285–310. https://doi.org/10.1007/S40822-018-0110-8 Indriastuti, H. (2019). Entrepreneurial innovativeness, relational capabilities, and value co-creation to enhance marketing performance. Humanities & Social Sciences Reviews, 7(3), 181–188. https://doi.org/10.18510/hssr.2019.7328 Istikoma. (2017). Asesmen kesejahteraan model Cibest (Centre of Islamic Business and Economic Studies): Studi pada nelayan di Kecamatan Kandanghaur Kabupaten Indramayu. Skripsi tidak dipublikasikan. Bandung: Universitas Pendidikan Indonesia. Kailani, N., & Slama, M. (2019). Accelerating Islamic charities in Indonesia: Zakat, sedekah and the immediacy of social media. South East Asia Research, 28(1), 70–86. https://doi.org/10.1080/0967828X.2019.1691939 Kasri, R. A. (2013). Giving behaviors in Indonesia: Motives and marketing implications for Islamic charities. Journal of Islamic Marketing, 4(3), 306–324. https://doi.org/10.1108/JIMA-05-2011-0044 Kasri, R. A., & Ramli, U. H. (2019). Why do Indonesian muslims donate through mosques?: A theory of planned behaviour approach. International Journal of Islamic and Middle Eastern Finance and Management, 12(5), 663–679. https://doi.org/10.1108/IMEFM-11-2018-0399 Kementrian Agama Republik Indonesia. (2019). Al-Quran dan terjemahannya. Jakarta: Kemenag RI. Kurbanov, R. A., Afad Oglu Gurbanov, R., Belyalova, A. M., Maksimova, E. v, Leonteva, I. A., & Sharonov, I. A. (2017). Practical advice for teaching of university students the mechanisms of self-government of safe behavior. Electronic Journal of Mathematics Education, 12(1), 35-42. https://doi.org/10.29333/iejme/596 Mulyani, E. F. (2018). Analisis dampak pendistribusian dana zakat terhadap tingkat kemiskinan mustahik dengan menggunakan model Cibest (Studi kasus: LAZ dompet dhuafa daerah istimewa Yogyakarta). Skripsi tidak dipublikasikan. Yogyakarta: UIN Sunan Kalijaga. Nisa, N. I. (2022). Penerapan model CIBEST dalam pengentasan kemiskinan di Indonesia. Retrieved from https://kumparan.com/naylazzatnsa/penerapan-model-cibest-dalam-pengentasan-kemiskinan-di-indonesia-1xkNF2L43tu/full Obaidullah, M. (2008). Introduction to Islamic microfinance. India: IBF Net (P) Limited. Owoyemi, M. Y. (2020). Zakat management: The crisis of confidence in zakat agencies and the legality of giving zakat directly to the poor. Journal of Islamic Accounting and Business Research, 11(2), 498–510. https://doi.org/10.1108/JIABR-07-2017-0097 Pistrui, D., & Fahed-Sreih, J. (2010). Islam, entrepreneurship and business values in the Middle East. International Journal of Entrepreneurship and Innovation Management, 12(1), 107–118. https://doi.org/10.1504/IJEIM.2010.033170 Puskas BAZNAS. (2016). Kaji dampak penyaluran zakat baznas terhadap kesejahteraan mustahik tahun 2016. Jakarta: Puskas BAZNAS. Putri, O. R. (2020). Hubungan antara spiritualitas dengan kebermaknaan hidup pada remaja di panti asuhan budi mulya sukarame Bandar Lampung. Skripsi tidak dipublikasikan. Lampung: UIN Raden Intan. Rahmat, R. S., & Nurzaman, M. S. (2019). Assesment of zakat distribution: A case study on zakat community development in Bringinsari village, Sukorejo district, Kendal. International Journal of Islamic and Middle Eastern Finance and Management, 12(5), 743–766. https://doi.org/10.1108/IMEFM-12-2018-0412 Reza Dasangga, D. G., & Cahyono, E. F. (2020). Analisis peran zakat terhadap pengentasan kemiskinan dengan model Cibest (Studi kasus rumah gemilang Indonesia kampus Surabaya. Jurnal Ekonomi Syariah Teori dan Terapan, 7(6), 1060-1073. https://doi.org/10.20473/vol7iss20206pp1060-1073 Rijal, K., Zainuri, A., & Azwari, P. C. (2020). Impact analysis of the zakat, infaq and shadaqah funds distribution to the poverty level of mustahik by using Cibest method Indonesia. Fikri: Jurnal Kajian Agama,Sosial dan Budaya, 5(1), 145-158. https://doi.org/10.25217/jf.v5i1.982 Rozalinda. (2014). Ekonomi Islam: Teori dan aplikasinya pada aktivitas ekonomi. Jakarta: Rajagrafindo. Saad, R. A. J., Farouk, A. U., & Abdul Kadir, D. (2020). Business zakat compliance behavioral intention in a developing country. Journal of Islamic Accounting and Business Research, 11(2), 511–530. https://doi.org/10.1108/JIABR-03-2018-0036 Saad, R. A. J., & Haniffa, R. (2014). Determinants of (Islamic tax) compliance behavior. Journal of Islamic Accounting and Business Research, 5(2), 182–193. https://doi.org/10.1108/JIABR-10-2012-0068 Salam, A., & Nisa, R. (2021). Analisis pengaruh pendistribusian dana zakat terhadap mustahik ditinjau dengan menggunakan metode CIBEST. Jurnal Ekonomi Syariah Indonesia, 9(1), 67–73. https://doi.org/10.21927/jesi.2021.11(1).67-73 Sanrego, & Taufik. (2016). Fiqih tamkin (Fiqih pemberdayaan). Jakarta: QisthiPress. Sudarmanto, E., Revida, E., Zaman, N., Simarmata, M. M. T., Purba, S., Syafrizal, S., Bachtiar, E., Faried, A. I., Nasrullah, N., Marzuki, I., Hastuti, P., Jamaludin, J., Kurniawan, I., Mastutie, F., Susilawaty, A. (2020). Konsep Dasar Pengabdian Kepada Masyarakat: Pembangunan dan Pemberdayaan. Medan: Yayasan Kita Menulis. Sugiyono. (2015). Metode penelitian pendidikan (Pendekatan kuantitatif, kualitatif, dan R&D). Bandung: CV. Alfabeta. Suharto, E. (2005). Membangun masyarakat memberdayakan rakyat kajian strategis pembangunan kesejahteraan sosial dan pekerja sosial. Bandung: PT. Revika Aditama. Sumantri, R., Iswati, S., & Mufrodi, A. (2019). The effectiveness of distribution of zakat funds on ZDC South Sumatra. Opción, Año 35(20), 1572–1588. Widyaningsih, N., Hafidhuddin, D., & Beik, I. S. (2016). Studi dampak zakat di Sulawesi Selatan dengan model CIBEST. Jurnal Ekonomi Islam Republika, 28. Retrieved from https://fem.ipb.ac.id/d/iqtishodia/2016/Iqtishodia_20160128.pdf Yacoub, Y. (2012). Pengaruh tingkat pengangguran terhadap tingkat kemiskinan kabupaten/kota di Provinsi Kalimantan Barat. Jurnal Eksos, 8(3), 176-185.

ABSTRAK Kemisikinan merupakan suatu permasalahan yang harus ditemukan cara mengentaskannya. Islam agama yang sempurna telah memberikan solusi melalui instrument zakat, infak, dan sedekah. Tujuan dari penelitian ini adalah untuk menilai dampak zakat, infak, sedekah di LAZNAS LMI (Lembaga Manajemen Infaq) dengan Pendekatan CIBEST. Metode penelitian yang digunakan adalah kuantitatif dengan uji beda antara kondisi material dan spiritual mustahik sebelum dibantu dengan setelah disalurkan dana ZIS. Hasil analisis dari 355 penerima manfaat menunjukkan bahwa pada kuadran I, penerima manfaat yang dikategorikan sejahtera bertambah 28% sesudah dibantu. Pada kuadran II, penerima manfaat yang dikategorikan miskin secara material menurun sebesar 27,7%. Selain itu pada kuadran IV penerima manfaat yang dikategorikan miskin secara absolut, juga ikut menurun sebesar 0,3%. Hasil Uji Beda juga menunjukan ada perbedaan indeks spiritual maupun indeks material penerima manfaat antar sebelum dan sesudah pemberian dana ZIS dibuktikan dengan Uji Beda Wilcoxon untuk indeks material value, dan Uji T berpasangan untuk indeks spiritual value.. Dengan adanya hasil penilaian kaji dampak ini diharapkan dampak dari bantuan yang diberikan bisa terukur dan juga menjadi bahan evaluasi serta perencanaan untuk program-program yang akan datang. Implikasi temuan penelitian ini dapat memberikan refrensi terkait manfaat zakat, infak, sedekah dalam membantu mengetaskan kemiskinan yang dilakukan oleh lembaga amil zakat nasional. Secara praktik, Lembaga Manajemen Infaq perlu memberikan perhatian khusus kepada mustahik yang berada di kategori miskin absolut, dengan memberikan intervensi ekonomi dan pembinaan secara spiritual. Kata Kunci: Kaji Dampak, ZIS, Kemiskinan, CIBEST, Lemabga Amil Zakat, Lembaga Manajemen Infaq. ABSTRACT Poverty is a problem that must find a way to eradicate. Islam, the perfect religion, has provided a solution through the instruments of zakat, infaq, and shadaqah. The purpose of this study was to assess the impact of Zakat, Sedekah, and Infaq in Lembaga Manajemen Infaq with the CIBEST Approach. The method used is quantitative by distributing questionnaires and testing the difference between the material and spiritual conditions of the mustahik before being assisted with after the ZIS funds are distributed. The results of the analysis of 355 beneficiaries showed that in quadrant I, beneficiaries categorized as prosperous increased by 28% after being assisted. In quadrant II, beneficiaries categorized as materially poor decreased by 27.7%. In addition, in quadrant IV, beneficiaries who are categorized as absolute poor also decreased by 0.3%. The results of the Difference Test also show that there are differences in the spiritual index and material index of beneficiaries between before and after the provision of ZIS funds, as evidenced by the Wilcoxon Difference Test for the material value index, and the paired T-test for the spiritual value index. The assistance provided can be measured and can also be used as material for evaluation and planning for future programs. The implications of the findings of this study can provide a reference regarding the benefits of zakat, shadaqah, and infaq in helping to alleviate poverty carried out by the national amil zakat institution. In practice, Amil Zakat Organization needs to pay special attention to mustahik who are in the absolute poor category, by providing economic intervention and spiritual guidance. Keywords: Assessment of Impact, ZIS, Poverty, CIBEST, Amil Zakat Organization, Lembaga Manajemen Infaq. DAFTAR PUSTAKA Ahmed, B. O., Johari, F., & Wahab, K. A. (2017). Identifying the poor and the needy among the beneficiaries of zakat Need for a zakat-based poverty threshold in Nigeria. International Journal of Social Economics, 44(4), 446–458. https://doi.org/10.1108/IJSE-09-2015-0234 Amalia, & Mahalli, K. (2012). Analisis peran zakat dalam mengurangi kemiskinan: Studi kasus dompet dhuafa republika. Jurnal Ekonomi dan Keuangan. Andam, A. C., & Osman, A. Z. (2019). Determinants of intention to give zakat on employment income: Experience from Marawi City, Philippines. Journal of Islamic Accounting and Business Research, 10(4), 528–545. https://doi.org/10.1108/JIABR-08-2016-0097 Ashar, M. A., & Nafik, M. (2019). Implementasi metode CIBEST (Center of Islamic business and economic studies) dalam mengukur peran zakat produktif terhadap pemberdayaan mustahiq di lembaga yayasan dana sosial al-falah (ydsf) Surabaya. Jurnal Ekonomi Syariah Teori dan Terapan, 6(5). 1057-1071. https://doi.org/10.20473/vol6iss20195pp1057-1071 Asian Development Bank. (2021). Daftar negara dengan penduduk hidup di bawah garis kemiskinan terbanyak di Asia Tenggara. Retrieved from https://databoks.katadata.co.id/datapublish/2021/11/19/daftar-negara-dengan-penduduk-hidup-di-bawah-garis-kemiskinan-terbanyak-di-asia-tenggara Asmalia, S., Kasri, R. A., & Ahsan, A. (2018). Exploring the potential of zakah for supporting realization of sustainable development Goals (SDGs) in Indonesia. International Journal of Zakat, 3(4), 51–69. https://doi.org/10.37706/IJAZ.V3I4.106 Ayuniyyah, Q., Pramanik, A. H., Md Saad, N., & Ariffin, M. I. (2022). The impact of zakat in poverty alleviation and income inequality reduction from the perspective of gender in West Java, Indonesia. International Journal of Islamic and Middle Eastern Finance and Management. Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/IMEFM-08-2020-0403 Ayyubi, S. el, & Saputri, H. E. (2018). Analysis of the impact of zakat, infak, and sadaqah distribution on poverty alleviation based on the CIBEST model (Case study: Jogokariyan baitul maal mosque, Yogyakarta). In International Journal of Zakat, 3(2), 85-97. https://doi.org/10.37706/ijaz.v3i2.80 Beik, I. S., & Arsyianti, L. D. (2015). Construction of CIBEST model as measurement of poverty and welfare indices from Islamic perspective. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 7(1), 87–104. https://doi.org/10.15408/AIQ.V7I1.1361 Beik, I. S., & Arsyianti, L. D. (2016). Measuring zakat impact on poverty and welfare using Cibest model. Journal of Islamic Monetary Economics and Finance, 1(2), 141–160. https://doi.org/10.21098/JIMF.V1I2.524 Beik, I. S., & Arsyianti, L. D. (2017). Ekonomi pembangunan syariah. Surabaya: Rajagrafindo Persada. BPS. (2022). Persentase penduduk miskin September 2021 turun menjadi 9,71 persen. Retrieved from https://www.bps.go.id/pressrelease/2022/01/17/1929/persentase-penduduk-miskin-september-2021-turun-menjadi-9-71-persen.html Efendi, M. S., & Fathurrohman, M. S. (2021). Dampak zakat terhadap kesejahteraan material dan spiritual mustahik (Studi kasus baznas microfinance desa sawojajar). Jurnal Ekonomi Syariah Teori dan Terapan, 8(6), 686-695. https://doi.org/10.20473/VOL8ISS20216PP686-695 Ghahari, S., Khademolreza, N., Ghasemnezhad, S., Babagholzadeh, H., & Ghayoomi, R. (2018). Comparison of anxiety and depression in victims of spousal abused and non-abused women in primary health care (PHC) in Babol-Iran. UCT Journal of Social Science and Humanities Research, 6(2), 14-18. https://doi.org/10.24200/jsshr.vol6iss02pp14-18 Halimatussakdiyah, & Nurlaily. (2021). Analisis pendayagunaan zakat produktif dalam mengurangi kemiskinan berdasarkan model Cibest (Studi kasus badan amil zakat nasional Prov Sumut). At-Tawassuth: Jurnal Ekonomi Islam, 1(Januari –Juni 2021), 12–25. Handayani, R. (2020). Model Cibest terhadap pengelolaan zakat produktif untuk mengukur kesejahteraan mustahik (Studi kasus Lazisnu Kota Metro). Skripsi tidak dipublikasikan. Lampung: IAIN Metro. Hayakawa, H., & Venieris, Y. P. (2019). Duality in human capital accumulation and inequality in income distribution. Eurasian Economic Review, 9(3), 285–310. https://doi.org/10.1007/S40822-018-0110-8 Indriastuti, H. (2019). Entrepreneurial innovativeness, relational capabilities, and value co-creation to enhance marketing performance. Humanities & Social Sciences Reviews, 7(3), 181–188. https://doi.org/10.18510/hssr.2019.7328 Istikoma. (2017). Asesmen kesejahteraan model Cibest (Centre of Islamic Business and Economic Studies): Studi pada nelayan di Kecamatan Kandanghaur Kabupaten Indramayu. Skripsi tidak dipublikasikan. Bandung: Universitas Pendidikan Indonesia. Kailani, N., & Slama, M. (2019). Accelerating Islamic charities in Indonesia: Zakat, sedekah and the immediacy of social media. South East Asia Research, 28(1), 70–86. https://doi.org/10.1080/0967828X.2019.1691939 Kasri, R. A. (2013). Giving behaviors in Indonesia: Motives and marketing implications for Islamic charities. Journal of Islamic Marketing, 4(3), 306–324. https://doi.org/10.1108/JIMA-05-2011-0044 Kasri, R. A., & Ramli, U. H. (2019). Why do Indonesian muslims donate through mosques?: A theory of planned behaviour approach. International Journal of Islamic and Middle Eastern Finance and Management, 12(5), 663–679. https://doi.org/10.1108/IMEFM-11-2018-0399 Kementrian Agama Republik Indonesia. (2019). Al-Quran dan terjemahannya. Jakarta: Kemenag RI. Kurbanov, R. A., Afad Oglu Gurbanov, R., Belyalova, A. M., Maksimova, E. v, Leonteva, I. A., & Sharonov, I. A. (2017). Practical advice for teaching of university students the mechanisms of self-government of safe behavior. Electronic Journal of Mathematics Education, 12(1), 35-42. https://doi.org/10.29333/iejme/596 Mulyani, E. F. (2018). Analisis dampak pendistribusian dana zakat terhadap tingkat kemiskinan mustahik dengan menggunakan model Cibest (Studi kasus: LAZ dompet dhuafa daerah istimewa Yogyakarta). Skripsi tidak dipublikasikan. Yogyakarta: UIN Sunan Kalijaga. Nisa, N. I. (2022). Penerapan model CIBEST dalam pengentasan kemiskinan di Indonesia. Retrieved from https://kumparan.com/naylazzatnsa/penerapan-model-cibest-dalam-pengentasan-kemiskinan-di-indonesia-1xkNF2L43tu/full Obaidullah, M. (2008). Introduction to Islamic microfinance. India: IBF Net (P) Limited. Owoyemi, M. Y. (2020). Zakat management: The crisis of confidence in zakat agencies and the legality of giving zakat directly to the poor. Journal of Islamic Accounting and Business Research, 11(2), 498–510. https://doi.org/10.1108/JIABR-07-2017-0097 Pistrui, D., & Fahed-Sreih, J. (2010). Islam, entrepreneurship and business values in the Middle East. International Journal of Entrepreneurship and Innovation Management, 12(1), 107–118. https://doi.org/10.1504/IJEIM.2010.033170 Puskas BAZNAS. (2016). Kaji dampak penyaluran zakat baznas terhadap kesejahteraan mustahik tahun 2016. Jakarta: Puskas BAZNAS. Putri, O. R. (2020). Hubungan antara spiritualitas dengan kebermaknaan hidup pada remaja di panti asuhan budi mulya sukarame Bandar Lampung. Skripsi tidak dipublikasikan. Lampung: UIN Raden Intan. Rahmat, R. S., & Nurzaman, M. S. (2019). Assesment of zakat distribution: A case study on zakat community development in Bringinsari village, Sukorejo district, Kendal. International Journal of Islamic and Middle Eastern Finance and Management, 12(5), 743–766. https://doi.org/10.1108/IMEFM-12-2018-0412 Reza Dasangga, D. G., & Cahyono, E. F. (2020). Analisis peran zakat terhadap pengentasan kemiskinan dengan model Cibest (Studi kasus rumah gemilang Indonesia kampus Surabaya. Jurnal Ekonomi Syariah Teori dan Terapan, 7(6), 1060-1073. https://doi.org/10.20473/vol7iss20206pp1060-1073 Rijal, K., Zainuri, A., & Azwari, P. C. (2020). Impact analysis of the zakat, infaq and shadaqah funds distribution to the poverty level of mustahik by using Cibest method Indonesia. Fikri: Jurnal Kajian Agama,Sosial dan Budaya, 5(1), 145-158. https://doi.org/10.25217/jf.v5i1.982 Rozalinda. (2014). Ekonomi Islam: Teori dan aplikasinya pada aktivitas ekonomi. Jakarta: Rajagrafindo. Saad, R. A. J., Farouk, A. U., & Abdul Kadir, D. (2020). Business zakat compliance behavioral intention in a developing country. Journal of Islamic Accounting and Business Research, 11(2), 511–530. https://doi.org/10.1108/JIABR-03-2018-0036 Saad, R. A. J., & Haniffa, R. (2014). Determinants of (Islamic tax) compliance behavior. Journal of Islamic Accounting and Business Research, 5(2), 182–193. https://doi.org/10.1108/JIABR-10-2012-0068 Salam, A., & Nisa, R. (2021). Analisis pengaruh pendistribusian dana zakat terhadap mustahik ditinjau dengan menggunakan metode CIBEST. Jurnal Ekonomi Syariah Indonesia, 9(1), 67–73. https://doi.org/10.21927/jesi.2021.11(1).67-73 Sanrego, & Taufik. (2016). Fiqih tamkin (Fiqih pemberdayaan). Jakarta: QisthiPress. Sudarmanto, E., Revida, E., Zaman, N., Simarmata, M. M. T., Purba, S., Syafrizal, S., Bachtiar, E., Faried, A. I., Nasrullah, N., Marzuki, I., Hastuti, P., Jamaludin, J., Kurniawan, I., Mastutie, F., Susilawaty, A. (2020). Konsep Dasar Pengabdian Kepada Masyarakat: Pembangunan dan Pemberdayaan. Medan: Yayasan Kita Menulis. Sugiyono. (2015). Metode penelitian pendidikan (Pendekatan kuantitatif, kualitatif, dan R&D). Bandung: CV. Alfabeta. Suharto, E. (2005). Membangun masyarakat memberdayakan rakyat kajian strategis pembangunan kesejahteraan sosial dan pekerja sosial. Bandung: PT. Revika Aditama. Sumantri, R., Iswati, S., & Mufrodi, A. (2019). The effectiveness of distribution of zakat funds on ZDC South Sumatra. Opción, Año 35(20), 1572–1588. Widyaningsih, N., Hafidhuddin, D., & Beik, I. S. (2016). Studi dampak zakat di Sulawesi Selatan dengan model CIBEST. Jurnal Ekonomi Islam Republika, 28. Retrieved from https://fem.ipb.ac.id/d/iqtishodia/2016/Iqtishodia_20160128.pdf Yacoub, Y. (2012). Pengaruh tingkat pengangguran terhadap tingkat kemiskinan kabupaten/kota di Provinsi Kalimantan Barat. Jurnal Eksos, 8(3), 176-185.

ABSTRAK Penurunan profit bisnis kecil akibat implikasi ekonomi pasca pandemi COVID-19. Persoalan struktur permodalan menjadi kendala dalam mempertahankan dan meningkatkan usahanya secara terus menerus seiring kerubahan zaman. Koperasi Syariah sebagai salah satu lembaga keuangan Islam yang keislaman lebih dekat secara eksistensi maupun teritorial dengan masyarakat tingkat bawah sehingga menjadi alternatif pengembangan usaha masyarakat secara syariah sesuai persyaratan yang diberikan. Studi ini bertujuan untuk untuk menganalisis pengaruh literasi keuangan syariah dalam sikap, pengaruh sosial dan self-efficacy terhadap perilaku pemanfaatan produk koperasi syariah di Indonesia. Studi kuantitatif survey online dengan melibatkan 280 calon anggota koperasi syariah yang membutuhkan pembiayaan dan merupakan pemilik UMKM dijalankan dengan teknik analisis SEM PLS. Hasil studi menunjukkan pengaruh literasi keuangan terhadap sikap, pengaruh sosial dan self-efficacy lalu dilanjutkan arah jalur dukungan hipotesis terhadap niat untuk memilih Koperasi Syariah sebagai solusi kebutuhan finansial UMKM ditemukan. Strategi manajerial khususnya pemasaran dikembangkan dengan mempertimbangkan efek sikap positif, pengaruh sosial dan efikasi diri calon anggota sebagai pemilik bisnis atau produk keuangan syariah yang akan mereka tawarkan kepada pelanggan mereka akan berkontribusi pada pertumbuhan sektor UMKM khususnya UMKM Generasi Millenial dan UMKM Hijau di Indonesia melalui upaya promosi dan kerjasama. Kata Kunci: ASE Model, Ekonomi Islam, Koperasi Syariah, Pemberdayaan, UMKM. ABSTRACT The decline in small business profits due to the post-COVID-19 pandemic economy. The issue of capital structure is an obstacle in maintaining and increasing development continuously in line with the changing times. Sharia cooperatives as one of the Islamic financial institutions are closer in existence and territorially to the lower level of society so that they become an alternative for community business development in accordance with the requirements given. This study aims to analyze the effect of Islamic financial literacy on attitudes, social influence and self-efficacy on the application of Islamic cooperative products in Indonesia. Quantitative study of online surveys involving 280 prospective members of Islamic cooperatives who need financing and are MSME owners carried out with the PLS SEM analysis technique. The results of the study show the effect of financial literacy on attitudes, social influence and self-efficacy, then choosing the direction of hypothesis support for the intention to find Islamic Cooperatives as a solution to the financial needs of MSMEs. Managerial strategies especially marketing that are developed taking into account the effects of positive attitudes, social influence and self-efficacy of prospective members as owners or Islamic financial products that they will offer to their customers will increase the growth of the MSME sector, especially Millennial Generation MSMEs and Green MSMEs in Indonesia through promotional efforts and cooperation. Keywords: ASE Model, Islamic Economics, Sharia Cooperatives, Empowerment, MSMEs. REFERENCES Abourrig, A. (2021). Social influence in predicting Islamic banking acceptance: Evidence from Morocco. International Journal of Accounting, Finance, Auditing, 2(2), 42–56. https://doi.org/10.5281/zenodo.4641472 Ajzen, I. (1991a). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T Ajzen, I. (1991b). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T Al-Awlaqi, M. A., & Aamer, A. M. (2022a). Islamic financial literacy and Islamic banks selection: an exploratory study using multiple correspondence analysis on banks’ small business customers. International Journal of Emerging Markets. https://doi.org/10.1108/IJOEM-09-2021-1354 Al-Awlaqi, M. A., & Aamer, A. M. (2022b). Islamic financial literacy and Islamic banks selection: an exploratory study using multiple correspondence analysis on banks’ small business customers. International Journal of Emerging Markets. https://doi.org/10.1108/IJOEM-09-2021-1354 Albaity, M., & Rahman, M. (2019). The intention to use Islamic banking: An exploratory study to measure Islamic financial literacy. International Journal of Emerging Markets, 14(5), 988–1012. https://doi.org/10.1108/IJOEM-05-2018-0218 Albashir, W. A., Zainuddin, Y., Krupasindhu Panigrahi, S., & Pahang, M. (2018). The acceptance of Islamic banking products in Libya: A theory of planned behavior approach. International Journal of Economics and Financial Issues, 8(3), 105–111. Ali, H. (2019). Purchase decision and repurchase models: Product quality and process analysis (Case study of house ownership credit financing in permata sharia bank Jakarta). Scholars Bulletin, 05(09), 526–535. https://doi.org/10.36348/sb.2019.v05i09.006 Atal, N. U., Iranmanesh, M., Hashim, F., & Foroughi, B. (2022). Drivers of intention to use Murabaha financing: religiosity as moderator. Journal of Islamic Marketing, 13(3), 740–762. https://doi.org/10.1108/JIMA-07-2019-0147 Berakon, I., Aji, H. M., & Hafizi, M. R. (2022). Impact of digital Sharia banking systems on cash-waqf among Indonesian Muslim youth. Journal of Islamic Marketing, 13(7), 1551–1573. https://doi.org/10.1108/JIMA-11-2020-0337 Budiono, A. (2017). Penerapan prinsip syariah pada lembaga keuangan syariah. Law and Justice, 2(1), 54–65. https://doi.org/10.23917/laj.v2i1.4337 Cristea, M., & Gheorghiu, A. (2016). Attitude, perceived behavioral control, and intention to adopt risky behaviors. Transportation Research Part F: Traffic Psychology and Behaviour, 43, 157–165. https://doi.org/10.1016/j.trf.2016.10.004 Daradkah, D., Aldaher, A. A., & Shinaq, H. R. (2020). Islamic financial literacy: Evidence from Jordan. Transition Studies Review, 27(2), 109–123. https://doi.org/10.14665/1614-4007-27-2-009 De Vries, H., & Mudde, A. N. (1998a). Predicting stage transitions for smoking cessation applying the attitude-social influence-efficacy model. Psychology and Health, 13(2), 369–385. https://doi.org/10.1080/08870449808406757 De Vries, H., & Mudde, A. N. (1998b). Predicting stage transitions for smoking cessation applying the attitude-social influence-efficacy model. Psychology and Health, 13(2), 369–385. https://doi.org/10.1080/08870449808406757 Dewi, M. K., & Ferdian, I. R. (2021). Enhancing Islamic financial literacy through community-based workshops: a transtheoretical model. Journal of Islamic Accounting and Business Research, 12(5), 729–747. https://doi.org/10.1108/JIABR-08-2020-0261 Dietrich, A. M., Kuester, K., Müller, G. J., & Schoenle, R. (2022). News and uncertainty about COVID-19: Survey evidence and short-run economic impact. Journal of Monetary Economics, 129, S35–S51. https://doi.org/10.1016/j.jmoneco.2022.02.004 Duong, T., & Duc Le, N. (2021). PLS-SEM approach in measuring the impact of influencing factors on user’s perceived security and trust in e-payment – The case of rural areas in Vietnam. International Journal of Scientific and Research Publications (IJSRP), 11(4), 357–364. https://doi.org/10.29322/ijsrp.11.04.2021.p11249 Dwi Hernanik, N., & Pratikto, H. (2022). Religiusity and bank products and their relationship with decision making in micro small medium business funding in PT Bank Muamalat Indonesia. International Journal of Science, Technology & Management, 3(4), 1202–1210. https://doi.org/10.46729/ijstm.v3i4.532 Etikan, I. (2016). Comparison of Convenience Sampling and Purposive Sampling. American Journal of Theoretical and Applied Statistics, 5(1), 1. https://doi.org/10.11648/j.ajtas.20160501.11 Farrell, L., Fry, T. R. L., & Risse, L. (2016). The significance of financial self-efficacy in explaining women’s personal finance behaviour. Journal of Economic Psychology, 54, 85–99. https://doi.org/10.1016/j.joep.2015.07.001 Fauzi, R. U. A., Saputra, A., & Ningrum, I. I. P. (2022). The effect of religiosity, profit and loss sharing, and promotion on consumer intention to financing in Islamic bank toward trust as an intervening variable. Jurnal Studi Ekonomi Dan Bisnis Islam, 8(1), 1–14. Fessler, P., Silgoner, M., & Weber, R. (2020). Financial knowledge, attitude and behavior: Evidence from the Austrian survey of financial literacy. Empirica, 47(4), 929–947. https://doi.org/10.1007/s10663-019-09465-2 Firdaus, M. S. (2022). Pemberdayaan pesantren melalui pendirian koperasi syariah dalam meningkatkan ekonomi masyarakat empowering islamic boarding school through the establishment of sharia cooperatives in imroving the economy community koperasi simpan pinjam pembiayaan syariah. ALMUJTAMAE: Jurnal Pengabdian Masyarakat, 2(1), 29–36. https://doi.org/10.30997/almujtamae.v2i1.2952 Gijsbers, B., Mesters, I., Knottnerus, J. A., & Van Schayck, C. P. (2006a). Factors associated with the initiation of breastfeeding in asthmatic families: The attitude–social influence–self-efficacy model. Breastfeeding Medicine, 1(4), 236–246. https://doi.org/10.1089/BFM.2006.1.236 Gijsbers, B., Mesters, I., Knottnerus, J. A., & Van Schayck, C. P. (2006b). Factors associated with the initiation of breastfeeding in asthmatic families: The attitude–social influence–self-efficacy model. Breastfeeding Medicine, 1(4), 236–246. https://doi.org/10.1089/BFM.2006.1.236 Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203 Hair, J., Hollingsworth, C. L., Randolph, A. B., & Chong, A. Y. L. (2017). An updated and expanded assessment of PLS-SEM in information systems research. Industrial Management and Data Systems, 117(3), 442–458. https://doi.org/10.1108/IMDS-04-2016-0130 Hair Jr., J. F., Matthews, L. M., Matthews, R. L., & Sarstedt, M. (2017). PLS-SEM or CB-SEM: updated guidelines on which method to use. International Journal of Multivariate Data Analysis, 1(2), 107. https://doi.org/10.1504/ijmda.2017.10008574 Hakim, L., & Kurnia, A. (2022). Tafsir riba di media sosial perspektif Roy Shakti dan Arli Kurnia. EKOMA: Jurnal Ekonomi, Manajemen, Akuntansi, 1(2), 312–325. Hartono, H., & Ardini, R. (2022). The effect of opportunity recognition and organization capability on SME performance in Indonesia moderated by business model innovation. The Winners, 23(1), 35–41. https://doi.org/10.21512/tw.v23i1.6932 Hasanah, U., & Lubis, S. D. (2022). Penerapan asas kebebasan berkontrak dalam akad pembiayaan mudharabah pada bank syariah Indonesia kantor cabang pembantu Asahan. Taqmin: Jurnal Syariah Dan Hukum, 11(1), 81–92. https://doi.org/10.37893/jbh.v11i1.683 Hayati, S. R. (2019). Strategi bank syariah dalam meningkatkan literasi keuangan syariah pada masyarakat (Studi Kasus pada BPRS Madina Mandiri Sejahtera). JESI (Jurnal Ekonomi Syariah Indonesia), 8(2), 129. https://doi.org/10.21927/jesi.2018.8(2).129-137 Hendrik, S., Iwan, T., Dedi, M. A., & Zaki, B. (2018). Evidence from Indonesia: Is it true that mudharabah financing and micro business financing are at high risk for sharia banking business? RJOAS, 6(June), 197–205. Hikmawati, T. S., & Muharam, H. (2022). The capital market response to the information content of the announcement of Indonesia entering a recession in 2020 and free of recession in 2021 in the covid-19 pandemic. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 5(2), 16019–16027. https://doi.org/https://doi.org/10.33258/birci.v5i2.5518 16019 Hoque, M. N., Rahman, M. K., Said, J., Begum, F., & Hossain, M. M. (2022). What factors influence customer attitudes and mindsets towards the use of services and products of Islamic banks in Bangladesh? Sustainability (Switzerland), 14(8). https://doi.org/10.3390/su14084703 Hutomo Mukti, H. (2020). Development of Indonesian sharia banks with Malaysia comparation method (Study of history, products and legal assets). Lambung Mangkurat Law Journal, 5(1), 75. https://doi.org/10.32801/lamlaj.v5i1.140 Im, I., Hong, S., & Kang, M. S. (2011). An international comparison of technology adoption: Testing the UTAUT model. Information & Management, 48(1), 1–8. https://doi.org/10.1016/J.IM.2010.09.001 Irwansyah, S., & Alam, A. P. (2022). Analisis penggunaan akad pada produk pembiayaan multijasa pada PT. Bank Sumut Syariah KCP Stabat. Jurna Islahiyah, 1. Izuma, K. (2017). The neural bases of social influence on valuation and behavior. In Decision neuroscience: An integrative perspective (pp. 199–209). Academic Press. https://doi.org/10.1016/B978-0-12-805308-9.00016-6 Jaffar, M. A., & Musa, R. (2014). Determinants of attitude towards Islamic financing among halal-certified micro and SMEs: A preliminary investigation. Procedia - Social and Behavioral Sciences, 130, 135–144. https://doi.org/10.1016/j.sbspro.2014.04.017 Jaffar, M. A., & Musa, R. (2016). Determinants of attitude and intention towards Islamic financing adoption among non-users. Fifth International Conference on Marketing and Retailing, 37(16), 227–233. https://doi.org/10.1016/s2212-5671(16)30118-6 Khairi, M. S., & Baridwan, Z. (2015). An empirical study on organizational acceptance accounting information systems in sharia banking. The International Journal of Accounting and Business Society, 23(1), 19. https://doi.org/10.1109/hicss.2000.926665 Lechner, L., & De Vries, H. (1995a). Starting participation in an employee fitness program: Attitudes, social influence, and self-efficacy. Preventive Medicine, 24(6), 627–633. https://doi.org/10.1006/PMED.1995.1098 Lechner, L., & De Vries, H. (1995b). Starting participation in an employee fitness program: Attitudes, social influence, and self-efficacy. Preventive Medicine, 24(6), 627–633. https://doi.org/10.1006/PMED.1995.1098 Leguina, A. (2015). A primer on partial least squares structural equation modeling (PLS-SEM). International Journal of Research & Method in Education, 38(2), 220–221. https://doi.org/10.1080/1743727x.2015.1005806 Madeira, C., & Margaretic, P. (2022). The impact of financial literacy on the quality of self-reported financial information. Journal of Behavioral and Experimental Finance, 34, 100660. https://doi.org/10.1016/j.jbef.2022.100660 Mamman, M., Ogunbado, A. F., & Abu-bakr, A. S. (2016). Factors influencing customer’s behavioral intention to adopt Islamic banking in Northern Nigeria: A proposed framework. Journal of Economics and Finance, 7(1), 51–55. https://doi.org/10.9790/5933-07135155 Mardian, S. (2019). Tingkat kepatuhan syariah di lembaga keuangan syariah. Jurnal Akuntansi Dan Keuangan Islam, 3(1), 57–68. https://doi.org/10.35836/jakis.v3i1.41 Memon, M. A., T., R., Cheah, J.-H., Ting, H., Chuah, F., & Cham, T. H. (2021). PLS-SEM statistical programs: A Review. Journal of Applied Structural Equation Modeling, 5(1), i–xiv. https://doi.org/10.47263/jasem.5(1)06 Mindra, R., Bananuka, J., Kaawaase, T., Namaganda, R., & Teko, J. (2022). Attitude and Islamic banking adoption: Moderating effects of pricing of conventional bank products and social influence. Journal of Islamic Accounting and Business Research, 13(3), 534–567. https://doi.org/10.1108/JIABR-02-2021-0068 Mirzaei, M., & Buer, T. (2022). First results on financial literacy in Oman. Managerial Finance, 48(2), 1–17. https://doi.org/10.1108/MF-09-2021-0456 Mukti, T., Shohiha, T. A., Garbo, A., & Latifah, S. (2022a). The effect of sharia financial literacy on the decision of the use of service products in the sharia pawn in Yogyakarta. The 3rd International Conference on Advance & Scientific Innovation (ICASI) Volume 2022 Research, 2022(1), 273–284. https://doi.org/10.18502/kss.v7i10.11365 Mukti, T., Shohiha, T. A., Garbo, A., & Latifah, S. (2022b). The effect of sharia financial literacy on the decision of the use of service products in the sharia pawn in Yogyakarta. The 3rd International Conference on Advance & Scientific Innovation (ICASI) Volume 2022 Research, 2022(1), 273–284. https://doi.org/10.18502/kss.v7i10.11365 Nimfa, D. T., Abdul Wahab, S., Shaharudin Abdul Latiff, A., & Abd Wahab, S. (2021). Theories underlying sustainable growth of small and medium enterprises. African Journal of Emerging Issues (AJOEI). Online ISSN, 3, 43–66. Nugroho, A. P., Hidayat, A., & Kusuma, H. (2017a). The influence of religiosity and self-efficacy on the saving behavior of the Islamic banks. Banks and Bank Systems, 12(3), 35–47. https://doi.org/10.21511/bbs.12(3).2017.03 Nugroho, A. P., Hidayat, A., & Kusuma, H. (2017b). The influence of religiosity and self-efficacy on the saving behavior of the Islamic banks. Banks and Bank Systems, 12(3), 35–47. https://doi.org/10.21511/bbs.12(3).2017.03 Ouachani, S., Belhassine, O., & Kammoun, A. (2021). Measuring financial literacy: A literature review. Managerial Finance, 47(2), 266–281. https://doi.org/10.1108/MF-04-2019-0175 Purwantini, A. H., Noor Athief, F. H., & Waharini, F. M. (2020). Indonesian consumers’ intention of adopting Islamic financial technology services. Shirkah: Journal of Economics and Business, 5(2), 171. https://doi.org/10.22515/shirkah.v5i2.304 Purwanto, A., & Sudargini, Y. (2021). Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis for social and management research: A literature review. Journal of Industrial Engineering & Management Research, 2(4), 114–123. Rahman, S. A., Tajudin, A., & Tajuddin, A. F. A. (2018a). Determinant factors of Islamic financial literacy in Malaysia. American Journal of Humanities and Social Sciences Research, 2(10), 125–132. Rahman, S. A., Tajudin, A., & Tajuddin, A. F. A. (2018b). Determinant factors of Islamic financial literacy in Malaysia. American Journal of Humanities and Social Sciences Research, 2(10), 125–132. Rai, N., & Thapa, B. (2015). A study on purposive sampling method in research. In Kathmandu Publisher (1st ed.). Kathmandu School of Law. Rasheed, R., & Siddiqui, S. H. (2022). SMEs behavioral intention towards usage of financial products: A comparative study of Islamic and conventional Banks in Pakistan. Sustainable Business and Society in Emerging Countries, 4(1), 141–150. Razak, D. A., & Abduh, M. (2012a). Customers’ attitude towards diminishing partnership home financing in Islamic banking. American Journal of Applied Sciences, 9(4), 593–599. Razak, D. A., & Abduh, M. (2012b). Customers’ attitude towards diminishing partnership home financing in Islamic banking. American Journal of Applied Sciences, 9(4), 593–599. Rigdon, E. E., Sarstedt, M., & Ringle, C. M. (2017). On comparing results from CB-SEM and PLS-SEM: Five perspectives and five recommendations. Marketing ZFP, 39(3), 4–16. https://doi.org/10.15358/0344-1369-2017-3-4 Rini, E. E. D. S. (2022). Pengaruh promosi, penerapan prinsip syariah dan bagi hasil terhadap keputusan menjadi bank BNI syariah cabang Pasuruan. An-Nisbah: Jurnal Perbankan Syariah, 33(1), 1–12. Rokhman, W., & Abduh, M. (2020). Antecedents of SMEs’ satisfaction and loyalty towards Islamic microfinance: Evidence from Central Java, Indonesia. Journal of Islamic Marketing, 11(6), 1327–1338. https://doi.org/10.1108/JIMA-05-2018-0090 Safe’i, A. (2012). Koperasi syariah: Tinjauan terhadap kedudukan dan peranannya dalam pemberdayaan ekonomi kerakyatan. Media Syariah, 14(1), 39–62. Sarstedt, M., Hair, J. F., Cheah, J. H., Becker, J. M., & Ringle, C. M. (2019). How to specify, estimate, and validate higher-order constructs in PLS-SEM. Australasian Marketing Journal, 27(3), 197–211. https://doi.org/10.1016/j.ausmj.2019.05.003 Saygılı, M., Durmuşkaya, S., Sütütemiz, N., & Ersoy, A. Y. (2022a). Determining intention to choose Islamic financial products using the attitude–social influence–self-efficacy (ASE) model: the case of Turkey. International Journal of Islamic and Middle Eastern Finance and Management. https://doi.org/10.1108/IMEFM-11-2020-0569 Saygılı, M., Durmuşkaya, S., Sütütemiz, N., & Ersoy, A. Y. (2022b). Determining intention to choose Islamic financial products using the attitude–social influence–self-efficacy (ASE) model: the case of Turkey. International Journal of Islamic and Middle Eastern Finance and Management. https://doi.org/10.1108/IMEFM-11-2020-0569 Sevriana, L., Febrian, E., Anwar, M., & Ahmad Faisal, Y. (2022). A proposition to implement inclusive Islamic financial planning in Indonesia through bibliometric analysis. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-01-2022-0022 Shabrina, Z., Yuliati, L. N., & Simanjuntak, M. (2018). The effects of religiosity, pricing and corporate image on the attitude and the intention to use sharia micro financing. Indonesian Journal of Business and Entrepreneurship, 4(2), 197–206. https://doi.org/10.17358/ijbe.4.2.197 Sitepu, C. F., & Hasyim, H. (2018). Perkembangan ekonomi koperasi di indonesia. Niagawan, 7(2), 59–68. https://doi.org/10.24114/niaga.v7i2.10751 Srisusilawati, P., Malik, Z. A., Silviany, I. Y., & Eprianti, N. (2021). The roles of self-efficacy and sharia financial literacy to SMEs performance: business model as an intermediate variable. F1000Research, 10(May), 1310. https://doi.org/10.12688/f1000research.76001.1 Sumiyati, Y., Januarita, R., Ramli, T. A., & Yusdiansyah, E. (2021a). Konstruksi hukum terhadap penetapan bunga tinggi pada investasi yang diselenggarakan koperasi simpan pinjam. Jurnal Magister Hukum Udayana (Udayana Master Law Journal), 10(2), 385. https://doi.org/10.24843/jmhu.2021.v10.i02.p14 Sumiyati, Y., Januarita, R., Ramli, T. A., & Yusdiansyah, E. (2021b). Konstruksi hukum terhadap penetapan bunga tinggi pada investasi yang diselenggarakan koperasi simpan pinjam. Jurnal Magister Hukum Udayana (Udayana Master Law Journal), 10(2), 385. https://doi.org/10.24843/jmhu.2021.v10.i02.p14 Syamsiyah, N., Syahrir, A. M., & Susanto, I. (2019). Peran koperasi syariah baitul tamwil muhammadiyah terhadap pemberdayaan usaha kecil dan menengah di Bandar Lampung. Al Amin: Jurnal Kajian Ilmu Dan Budaya Islam, 2(1), 63–73. https://doi.org/10.36670/alamin.v2i1.17 Takidah, E., & Kassim, S. (2021). Determinants of Islamic financial inclusion in Indonesia: A demand-side analysis. Journal of Islamic Finance, 10(2), 38–52. Venkatesh, V. (2022). Adoption and use of AI tools: A research agenda grounded in UTAUT. Annals of Operations Research, 308(1–2), 641–652. https://doi.org/10.1007/s10479-020-03918-9 Vidia Khairunnisa, B., & Hendratmi, A. (2019). The influence of product knowledge and attitude towards intention in mudharabah funding products in sharia banks in Mataram. KnE Social Sciences, 3(13), 663. https://doi.org/10.18502/kss.v3i13.4239 Widityani, S. F., Faturohman, T., Rahadi, R. A., & Yulianti, Y. (2020). Do socio-demographic characteristics and Islamic financial literacy matter for selecting Islamic financial products among college students in Indonesia? Journal of Islamic Monetary Economics and Finance, 6(1), 51–76. https://doi.org/10.21098/jimf.v6i1.1057 Yuniar, A., Talli, A. H., & Kurniati, K. (2021). Bisnis koperasi syariah di Indonesia. Al-Azhar Journal of Islamic Economics, 3(2), 79–88. https://doi.org/10.37146/ajie.V3i2.103 Zaman, Z., Mehmood, B., Aftab, R., Shahid, M., & Ameen, Y. (2017). Role of Islamic financial literacy in the adoption of Islamic banking services: An empirical evidence from Lahore, Pakistan. Journal of Islamic Business and Management (JIBM), 7(2), 230–247. https://doi.org/10.26501/jibm/2017.0702-006 Ziky, M., & Daouah, R. (2019). Exploring small and medium enterprises’ perceptions towards Islamic banking products in Morocco. International Journal of Economics and Finance, 11(10), 106. https://doi.org/10.5539/ijef.v11n10p106

Endowed with rapidly changing physical and socio-economic conditions, Semarang City in Central Java Province serves as an interesting case study of Indonesia’s urban transformation. Secondary data, coupled with field observations and in-depth interviews with key informants and experts, were analyzed using both qualitative and quantitative descriptive methods to show complex variations in urban evolution between Semarang’s numerous districts, with changes occurring much faster in some locations than in others. We show that urbanisation proceeds most rapidly where vacant open spaces and investment in various kinds of new public infrastructure are dominant, especially in such districts as Tembalang, Gunungpati, Genuk and Pedurungan. In contrast, transformation processes operate more slowly in Semarang’s saturated inner core.