bluuebunny/crossref_metadata_2025 huggingface dataset:
Analisis Pemahaman Mahasiswa Muslim Tentang Riba
Authors: Mubaraq Abd , Rusandry Rusandry , Atiqah Nur
Published: March 2024

This study aims to analyze the understanding of Muslim students about riba. The research uses descriptive qualitative research methods carried out through descriptive descriptions of words, or sentences, which are arranged carefully and systematically from collecting data to interpreting and going down to the field and interviewing respondents directly, the research used is the frequency distribution method (percentage). The sample in this study used 50 samples who were interviewed using descriptive methods and frequency distribution methods. The results showed that: the understanding of Muslim students on the definition of riba students still do not understand due to the lack of in-depth discussion and the ability of students' understanding of the definition of riba itself, regarding the difference between riba fadhl and riba nasi'ah found that students already understand the difference between riba fadhl and riba nasi'ah besides the understanding of Muslim students on six ribawi goods found the results students do not understand, and student understanding of usury jahiliyah found that Muslim students already understand.
Model Penghimpunan Dana Zakat Infak Sedekah Yang Efektif Dan Efisien Di Era Digital
Authors: Rusman Rusman , Amrizal Amrizal
Published: March 2024

Baitul Maal Hidayatullah (BMH) is an institution that received permission to manage zakat infaq, alms, and humanitarian funds. In its management, BMH Kaltim Representatives are managed by appointed amil without special criteria. This study aims to analyze effective and efficient collection models in the digital era. Research is expected to provide knowledge about effective and efficient collection models in the digital era. This research is qualitative descriptive research with data analysis using NVIVO 12 PLUS. Based on the results of field findings, it is known that the collection model in BMH is a variety of models, this adjusts to the choice of people who pay infaq zakat and alms through BMH. Effective and efficient in the digital era in BMH can be seen from the acquisition of BMH which has increased with the lack of operations spent to achieve it.
The Effect Of Entrepreneurship Competence And Islamic Business Ethics On The Performance Of Micro And Small Enterprises (SMEs) Makassar
Authors: Soumena Fadly Yashari
Published: March 2024

The objective of this study is to (1) investigate the effect of entrepreneurial skills on the performance of micro and small enterprises (MSEs) in Makassar, (2) explore the implications of Islamic business ethics on the performance of MSEs in Makassar. The primary data were collected using questionnaires and multiple regression analysis. The population of this study were all participants of MSEs in Pasar Cidu, Makassar, and the sample used in this study consisted of 40 representatives, and the data obtained were analyzed by IBM SPSS Statistics 26. The results of this study indicate that (1) several business skills have a significant influence on the performance of SMEs, (2) some Islamic business ethics have a significant influence, and (3) both variables concurrently have a significant impact on the performance of SMEs in small and medium enterprises. So far, research findings suggest that entrepreneurial competence and Islamic business ethics strongly influence the performance of SMEs in Makassar. The significance of this study is to show that entrepreneurial ability has a substantial impact on the performance of SME participants. Likewise, Islamic business ethics influence consumers in making a purchase decision.
Islamic Philanthrophy And Economic Development Of The Umum
Authors: Jamal Ahmad Jamali , Ana Indah Yuliana
Published: March 2024

Islamic philanthropy has meaning and has a very significant role in the economic development and development of the people both in the form of empowerment and utilization. The aim of preparing this paper is to see to what extent the concept of philanthropy can improve the people's economy. And the results of this research show that the presence of philanthropy can be an instrument for alleviating poverty which is increasing in today's society. Management of philanthropic funds by social institutions can reduce poverty and social inequality and can pump up people's enthusiasm to improve prosperity.

Keywords: Philanthropy, Poverty, Community Economy and Empowerment.
Oksidentalisme Terhadap Boikot Produk Amerika Serikat: Gagasan Kiri Islam Hasan
Authors: Falahyakti Qoriatul
Published: March 2024

Hasan Hanafi is a philosopher who developed Islamic Leftist thought. Through this, he initiated Occidentalism. In this era, the attitude of Occidentalism can be carried out by boycotting American products. It cannot be denied that American products have helped drive national economic growth because the Indonesian population and management of natural resources depend on American products. However, this boycott was carried out in order to develop the national market for more consumption by the Indonesian people. Furthermore, on the one hand, boycotting American products may not be effective because economic relations between Indonesia and the US have been legitimized by regional and international trade organizations. On the other hand, Indonesian people's dependence on consuming US products is still relatively high, as evidenced by the large volume of imports and exports in the two countries. The government's economic policy is influenced by cooperation with other countries so that a boycott will not have an impact on reducing consumption of American products. However, this is worth trying in order to develop domestic products
Pengembangan Perbankan Syariah Dalam Mendukung Inklusi Keuangan di Indonesia
Authors: Ainolyaqin Ainol Yaqin
Published: March 2024

The purpose of this journal is to examine the evolution of Islamic banking practices as a means of enhancing financial awareness in Indonesia. In order to increase the general public's access to products and financial services that are fair, affordable, and useful, they are referred to as financial inclusion. The Islamic banking system has become a crucial alternative in the Indonesian financial system. Deskriptif analysis is the research method used in this journal. Data are obtained through relevant secondary data sources and research studies. This analysis will show how Islamic banks operate in Indonesia, how Islamic banks maintain their financial integrity, and the problems that arise when they are expanding. Research indicates that the rise in Islamic banks has helped to increase awareness of money in Indonesia. However, numerous challenges are faced by the syariah banking sector. Several of these include inadequate infrastructure, inadequate knowledge about goods and services provided by Islamic banks, and regulations that have not yet fully addressed the root causes of the problem. Due to this, the journal also offers advice on how to resolve the issue and encourage the development of more sensitive Islamic banks in Indonesia.
Strategi Digital Fundraising dalam Peningkatan Zakat, Infaq, dan Shadaqah di Lazismu Jombang
Authors: Huda Fatkur
Published: March 2024

The paradigm and environment of zakat management changed after the pandemic. This condition encourages zakat management organizations in Indonesia to do new and innovative things in zakat management, including the process of collecting, distributing, and utilizing zakat, as well as management structures. Conventional zakat collection methods will be replaced by digital methods that are easier, faster, and more transparent. More and more people in Indonesia are using the internet, making online donations easier nowadays. This research will provide scientific contributions as well as practical practices in the management of zakat donations. to find out the digital fundraising methods that Muhammadiyah Jombang has used to support zakat fundraising and to develop successful digital fundraising strategies. This study is qualitative research with a descriptive approach. In other words, the purpose of this study is to explain the method used by LazisMu Jombang to collect zakat funds from muzakis using a digital fundraising approach. The result is that the fundraising strategy used in raising zakat, infak, and shadaqah funds by LazisMu Jombang uses organic methods, namely Search Engine Optimization (SEO), Organic social media, Email office, WhatApp broadcast massage.
Implementation Of Istishna 'Aqd In The Financial Investment Scheme Of Koperasi Syariah Benteng Mikro Indonesia
Authors: Komarudin Muhamad
Published: March 2024

This research aims to examine the implementation of Istishna ‘aqd in investment financing at Koperasi syariah BMI, Ciawi branch. The issue addressed in this study is that the Istishna ‘aqd, substantively, is not an investment aqd but rather a sales aqd. Therefore, a comprehensive analysis is needed to determine the permissibility of utilizing the Istishna aqd in investment financing or to explore potential changes in the financing model or ‘aqd used. The research employs a qualitative descriptive method with data collection techniques through interviews and secondary data collection from the website, reports, and guidelines of Koperasi Syariah BMI. The study investigates how the Istishna ‘aqd is implemented in investment financing and its compliance with Sharia principles, aiming to conclude the feasibility of applying the Istishna ‘aqd in investment financing at Koperasi Syariah BMI. Based on the research findings, it is observed that the Istishna ‘aqd scheme applied in investment financing at Koperasi Syariah BMI is more aligned with the Fatwa DSN MUI No 06/DSN MUI/IV/2000 on Istishna, which involves a regular Istishna ‘aqd between two consenting parties. This approach deviates from the guidance of Fatwa DSN MUI No 32/DSN-MUI/IX/2002 on Sharia bonds, where Istishna is used in investment schemes, and is also inconsistent with Fatwa DSN MUI No 22/DSN MUI/III/2002 on parallel Istishna, as the cooperative already possesses a company engaged in building material provision. Despite the compliance of Istishna-based financing in Koperasi Syariah BMI with Fatwa DSN MUI No 06/DSN MUI/IV/2000, it is recommended that the cooperative adopt terminologies such as consumptive financing, productive financing, property ownership financing, or other terms in financing schemes involving Istishna ‘aqd. This suggestion is made due to the fact that cooperative members do not function as investors but as buyers seeking financing for development schemes such as housing, sanitation, and the provision of clean water.
Kajian Mendalam Analisis Infak Produktif: Pendekatan Strategis Mewujudkan Maqasid Syariah
Authors: Arifin Samsul , Herianingrum Sri
Published: March 2024

Abstract

Islam encourages social care through Zakat, Infaq and Shadaqah (ZIS). ZIS funds that are managed productively can create jobs, improve the economy and distribute welfare. Islam opposes hoarding wealth and prioritizes healthy economic circulation. Productive financial management, such as providing working capital, supporting MSMEs, and fulfilling sharia maqashid, can improve welfare. Managing ZIS evenly and stimulating independence leads to a more even distribution of income. Islam emphasizes the positive contribution of Islamic-based institutions to fulfilling basic needs.

Keywords : ZIS, Economic Productivity, Maqashid Syariah, Welfare, Infaq
Comparison Analysis Of Sharia Financial Technology With Conventional Financial Technology In Indonesia
Authors: Suciati Rahma , Setiawan Deny , Misdawita Misdawita
Published: March 2024

According to national digital research center (NDRC), financial technology describe innovation in field finance with use technology latest. As institution finance, financial technology must guard performance so that can operate with optimal. The purpose of this study is to compare the financial performance of sharia financial technology with conventional financial technology in Indonesia in 2021 and 2022 using ROA, ROE, TKB90, and TWP90. The analysis technique used in this study is the independent sample t-test. The results of this study indicate that there is no significant difference between the ROA and ROE of sharia financial technology and conventional financial technology. Whereas TKB90 and TWP90 sharia financial technology and conventional financial technology there are significant differences, where sharia financial technology has better quality than conventional financial technology.
Optimizing The Role Of Sharia Banking In Supporting Halal Tourism In Indonesia
Authors: Adinugroho Mukhtar , Efendi Mohamad Nur , Nasrulloh Nasrulloh , Zuhdi Ubaidillah
Published: March 2024

This research aims to analyze the role of sharia banking in supporting halal tourism and to analyze the potential of sharia banks in supporting halal tourism. This type of research is qualitative descriptive research based on the results of interviews and documentation. The results of the research show that the condition of sharia banks in supporting halal tourism has not carried out effective outreach to tourism industry players, access to offices and ATM networks is still difficult to find and there is a lack of promotion carried out by sharia banks while the potential of sharia banks themselves can carry out product innovation by providing specific financing products for tourism industry players and holding interesting events to change the public mindset that Islamic banks are inclusive and not exclusive banks.
Analysis of Optimizing MSME Profits Through Financial Management Competence in Tarakan City
Authors: Islami Rahmi Nur , Usman Ferawati , Utomo Mohammad Nur
Published: March 2024

Purpose his research aims to measure the extent of financial management competence possessed by MSME players, including Education and Training, Legal Compliance, Partnerships, and Networks, as well as the Application of Digital Technology in optimizing their profits. Methodology The research method used by researchers is quantitative. This research was conducted on 100 MSMEs in Tarakan City. Data collection was carried out using a structured questionnaire. The sampling technique used in this research was simple random sampling. The data analysis technique uses multiple linear regression analysis using the SmartPLS program. Findings The analysis results show that education and training have a significant positive impact on optimizing MSME profits. Apart from that, Legal Compliance also has a significant positive impact on optimizing MSME profits. Networking has a significant positive impact on optimizing MSME profits. Digitalization positively optimizes MSME profits, although the impact may not be as strong as other variables. Originality The development of MSMEs in Tarakan City was followed by various problems, including not yet optimal financial management, which resulted in the difficulty of achieving optimal profit. Financial management is a problem in MSMEs because MSME owners often ignore the importance of recording financial reports. Thus, financial management is essential to apply to MSMEs.
Analisis Strategi Marketing Live Shopee Ditinjau Dari Etika Bisnis Islam
Authors: Siti sopiah Siti , Midisen Kisanda
Published: March 2024

E-commerce has become the new favorite in terms of shopping for people around the world, including in Indonesia. Among the various e-commerce that can be accessed in Indonesia, one that is quite well-known and widely used is the Shopee marketplace. Shopee is a shopping application with a marketing strategy through various interesting features, one of which is quite well known is the live streaming feature. Live streaming is a feature that sellers use to create streaming sessions and promote shops & products directly to consumers. Consumers can directly communicate with sellers in real-time to find out more about the product. In this case the author conducted research using a qualitative descriptive method, the researcher described an event or phenomenon that occurred in society related to Shopee's marketing strategy and analyzed this phenomenon in terms of Islamic business ethics, whether the live streaming strategy was in accordance with Islamic business ethics or not. Based on the research results, the marketing strategy through live streaming is in accordance with Islamic business ethics, because live streaming has several regulations that are in accordance with Islamic business ethics.

Keywords : Shoppe, Marketing Strategy, Live Streaming, Business Ethics.
Analisis Implementasi Strategi Direct Fundraising Zakat Pada BAZNAS Kota Bukittinggi Dengan Pendekatan Diagram Cause and Effect (Fishbone)
Authors: Defrisal Muhamad , Alfin Aidil , Sholihin Anwar
Published: March 2024

Strategi Direct Fundraising merupakan salah satu Program yang sangat berpotensi kuat dalam meningkatkan manajemen Pengumpulan zakat pada Badana Amil Zakat Nasional (BAZNAS). Metode ini merupakan salah satu teknik penggalangan dana dimana metode ini mengedepankan interaksi langsung dengan muzakki. Penelitian ini bertujuan untuk menganalisa seberapa besar potensi Program Direct Fundraising yang dilaksanakan pada BAZNAS Kota Bukittinggi dalam pengelolaan zakat dengan fokus pembahasan pada : 1) Kesesuaian pelaksanaan sistem Program Direct Fundraising dilakukan oleh BAZNAS Kota Bukittinggi dengan pendekatan cause and effect diagram dengan Sistem Program Direct Fundraising yang seharusnya, 2) Permasalahan apa saja yang ada pada Program Direct Fundraising BAZNAS Kota Bukittinggi 3) Bagaimana solusi permasalahan pada Program Direct Fundraising yang ada di BAZNAS Kota Bukittinggi. Alat analisis yang penulis gunakan adalah cause-and-effect diagram (Diagram Tulang Ikan), yaitu suatu grafik yang menunjukkan hubungan antara suatu masalah dan kemungkinan penyebabnya maka dengan itu besar kemungkinan hasil penelitian ini dapat menjadi acuan dan referensi yang mudah dipahami oleh berbagai Pihak. Hasil Penelitian menunjukkan bahwa : (1) Dalam upaya pelaksanaan Program Direct Fundraising zakat BAZNAS Kota Bukittinggi senantiasa mengutamakan aspek efektifitas, yaitu pengelolaan yang memenuhi unsur-unsur ketepatan dan objektifitas, dalam arti pengelolaan zakat dilakukan secara terencana dan sistematis, namun dalam pelaksanaan dan perencanaan masih ada unsur-unsur yang belum terpenuhi seperti : belum terlaksananya follow up dan laporan pelaksanaan kegiatan kepada muzaki dan kurangnya pengawasan, (2) Untuk kedepan hendaknya BAZNAS Kota Bukittinggi memberikan lebih mengedukasikan kepada masyarakat tentang ajaran syariah terutama mengenai zakat dan dampak dari terkelolanya zakat dengan baik, melaksanakan Pelatihan Pelayanan Prima dan pengimplementasian seluruh SOP yang ada.
Fraud Pada PT BTPN Syariah di Indonesia
Authors: Saadah Salamatus
Published: March 2024

.BTPN syariah business in Indonesia is a business that offers promises for the protection of the insured as outlined in the Banking. In this study, it aims to determine the cause of fraud or the inability of PT BTPN Syariah to pay and regulate the running of the company as agreed in the banking policy. This research method is qualitative research using a literature review in the form of data or information obtained by the author by looking at the case study of BTPN Syariah fraut who has experienced fraud. The results of this study show that insurance companies that experience fraud or failure to keep promises according to the agreements made by PT BTPN Syariah to officers, company employees and customers listed in PT BTPN Syariah fraut regulations are caused by the lack of government supervision of PT Btpn Syariah companies, and the absence of good ethics from the management of PT BTPN Syariah companies, especially the owners of the company itself.
Tren Penelitian Konsumsi Produk Halal di Dunia; dengan pendekatan Bibliomteric
Authors: Qolbi Aýun , Atiya Nikmatul , Rustanti Ega
Published: March 2024

Penelitian ini bertujuan memberikan analisis mendalam dan mengidentifikasi tren penelitian terkait penggunaan produk halal di seluruh dunia. Dengan meningkatnya populasi Muslim dan kesadaran akan pentingnya konsumsi produk halal, penelitian ini menyoroti urgensi mendalamnya penelitian, baik secara normatif maupun empiris, dalam konteks penggunaan produk halal. Metodologi yang digunakan melibatkan teknik analisis bibliometrik, yang mencakup deskripsi dokumen, klaster penelitian, serta pemantauan pembaruan dan saran penelitian masa depan. Penelitian ini juga menerapkan content analysis untuk menggali informasi yang relevan, menyajikan gambaran terperinci tentang tren penggunaan produk halal di berbagai benua. Temuan penelitian menunjukkan bahwa mayoritas benua mengalami peningkatan signifikan dalam penggunaan produk halal, memberikan wawasan mendalam terkait dinamika pasar global produk halal.
Strategy for Collecting Zakat Infaq Shadaqah at the Amil Zakat Infaq Shadaqah Muhammadiyah Institution (LAZISMU) Central Java Post Covid-19 Pandemic
Authors: Ridwan Mohammad , Sriyono Sriyono , Suharto Sulistyo , Putri Anindya P. R. Z.
Published: March 2024

The Covid-19 pandemic has had an impact on all areas of life and one of them is the field of zakat, due to the weak economy of the community due to the decline in income of Muzakki (people who are obliged to pay zakat), and on the other hand there has been an increase in Mustahik (people/entities who are entitled to receive zakat). This research aims to identify strategies for collecting zakat, infaq and shadaqah (ZIS) at the Muhammadiyah amil zakat, infaq and shadaqah institutions (LAZISMU) in the era of the covid-19 pandemic and after, apart from that, it also examines the extent of the impact of the post-covid-19 pandemic on ZIS zakat, infaq and shadaqah collection strategy at LAZISMU in the post-covid-19 pandemic era in Central Java. This research method is descriptive qualitative. Data collection techniques through observation, interviews, photos/videos, reports/subject documents. Meanwhile, the data analysis technique uses SWOT. The results of research conducted show that LAZISMU has a total weighted score of 3.78, while on the EFE matrix LAZISMU has a total weighted score of 3.67. LAZISMU's position is an above average position, so that in this position LAZISMU still has enough potential to be developed, however, it is also not recommended to develop strategies that are too aggressive, such as integration or acquisition strategies. In this position the company only needs to focus on maintaining, maintaining and improving its performance
Keputusan Nasabah Menggunakan Produk Pembiayaan Mitra Emas iB Maslahah: Antara Physical Evidence, Promise, dan Customer Centric
Authors: Ainulyaqin MH , Rakhmat AS , Achmad Listian I. , Fahamsyah MH
Published: March 2024

This research will focus more on the Three Indicators in the Sharia Marketing Mix Strategy (Physical Evidence, Promise, and Customer Centric). It aims to determine and analyze the influence of the physical evidence, promise, and customer centric on customer decisions to use the gold partner financing product ib maslahah at Bank BJB Syariah KCP Lippo Cikarang. The sample used is all customers of Bank BJB Syariah Kcp Lippo Cikarang who are actively using the ib maslahah gold partner financing product, the sampling is by spreading a questionnaire link to all active customers who use the ib maslahah gold partner financing. The analytical tool used is multiple linear regression analysis using the SPSS version 21. The results of the partial study show that the physical evidence variable has no negative and significant effect on customer decisions to use the financing product of Mitra Emas iB Maslahah. While the promise and customer centric variables have a positive and significant impact on customer decisions to use the financing product of the ib maslahah partner gold. Meanwhile, simultaneously, the physical evidence, promise, and customer centric variables have a positive and significant impact on customer decisions to use the ib maslahah gold partner financing product.
The Effectiveness Of Productive ZIS Funds On SMEs Affected By Covid-19
Authors: Hakimi Fifi , Niswah Farokhah Muzayinatun , Mafruudloh Naajihah
Published: March 2024

This study aims to determine how effective the distribution of productive zakat, infaq, alms funds to SMEs affected by COVID-19 and to find out the model for distributing ZIS productive funds in improving the welfare of SMEs. The method used is a mixed method to produce more comprehensive facts. This study indicates that in the empowerment program, there is a training program held by the amil zakat institution as a form of business assistance that can increase the income of mustahiq SMEs. This program has quite effective impact on SMEs affected by COVID-19. Researchers found an effective ZIS fund distribution mechanism model with a business assistantship that amil zakat institutions must carry out through business development training programs, spiritual improvement, and financial planning. This study aims to improve the skills, faith, and finances of the mustahiq so that they can achieve a level of welfare.
Analisis Perbandingan Teori Dan Praktek Sistem Multi Level Marketing Pada Bisnis Paytren Dalam Perspektif Syariah
Authors: Midisen Kisanda
Published: March 2024

This study aims to find out how the application of the Multi Level Marketing Business system is applied to paytren, whether the practice in the field is in accordance with established sharia. The research method used in this case is library research and field research, with a qualitative descriptive research approach that is deductive in nature. Researchers used sources such as books, theses, articles, and conducted interviews with paytren business users. This study also uses a normative and comparative approach. Based on the research results, it can be concluded that the paytren business that uses a multi-level marketing system that has been certified by sharia in practice has many deviations both by its customers and by the system itself. The implementation of Paytren's multi-level sharia marketing is carried out in an unfair way, that is, whoever has subordinates or partners will also receive bonuses when their partners transact without having to work. In practice, paytren contains elements of usury, gharar and dzulm.
Peran dan Potensi Digitalisasi Manajemen Zakat: Sebuah Systematic Literature Review
Authors: Makarim Dina Fornia , Hamzah Muhammad Zilal
Published: March 2024

This research aims to identify the role and potential of digitizing zakat management using a systematic literature review (SLR) approach with the PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) method in the process of filtering articles according to the research subject. The data source comes from articles published by journals indexed by Scopus which were collected using the Publish or Perish (PoP) program. From a total of 112 studies, 47 articles were obtained from 33 Scopus indexed journals that were relevant for analysis, published in 2014-2024. Selected articles were analyzed using the VOSviewer tool. The results of this research show that digitalization in zakat management has an important role in the collection and distribution of zakat. Technologies such as blockchain and the use of bitcoin currency also have the potential to increase the role of digitalization of zakat management in the future. This research can be used as a reference for further research regarding the digitalization of zakat.
Akses Perbankan Syariah bagi Pengusaha Batik Muslim di Solo Raya
Authors: Usnan Usnan , Pramesti Wahyu , Yahya Alvin
Published: March 2024

The aim of this research was to analyze how banking access for Muslim batik entrepreneurs in Solo Raya. This research was conducted in 2020 at 16 Muslim Batik entrepreneurs in Solo Raya, using qualitative methods, and data collection was carried out through interviews, observation and documentation techniques. The results of the study show that the access of Muslim batik entrepreneurs to Islamic Banking is still not optimal. This is due in part to several things, namely: (a) the distance of Islamic Banks to the location of the batik business, (b) prices are still higher at Islamic Banks, (c) the financing process at Islamic Banks is considered more difficult and more complicated, and (d) there is still a lack of education and outreach by Islamic Banks to the public, especially batik business actors in Solo Raya.

Keywords : Banking Access, Muslim Batik Entrepreneurs.
Dinamika Konsumen Islami : Mempertimbangkan Peran Celebrity Endorser, Social Media Marketing dan Product Variation Terhadap Minat Beli Local Brand Ventela Pada Mahasiswa FEB Universitas Islam Nahdlatul Ulama Jepara
Authors: Zulfa Kurnia , Arifin Samsul
Published: March 2024

The study aims to identify patterns of Islamic consumer response to the role of celebrity endorsers, social media marketing, and product variations that influence ventela buying interest at the Faculties of Economics and Business, Islamic University Nahdlatul Ulama Jepara. This research is quantitative. The data analysis method used in this study is linear regression analysis with the help of SPSS 22. The tests used in the study are instrumental test, classical assumption test and hypothesis test. In this study, there are 94 samples. The data used are primary data obtained through the spread of questionnaires. The results show that partly celebrity endorsers have a positive but not significant influence on purchase interest, social media marketing has a positive and significant impact on purchase interest, and product variation has a significant and positive impact on purchase interest. Simultaneously, celebrity endorser variables, social media marketing and product variation have a positive and significant influence on purchasing interest.
Konsep, Filosofis, Dan Kebijakan Fiskal Islam Di Indonesia
Authors: Mariana Rani
Published: March 2024

Kebijakan fiskal di Indonesia secara umum bertumpu pada konsep efisiensi, pemerataan pembangunan, dan stabilitas ekonomi makro. Tujuannya adalah pertumbuhan ekonomi yang positif, memperluas lapangan pekerjaan, mengangkat kesejahteraan rakyat, dan menjaga daya saing ekonomi. Filosofi kebijakan fiskal di Indonesia tertuang dalam UUD 1945 yang menempatkan kemakmuran rakyat sebagai prioritas pembangunan. Pengelolaan keuangan negara mengedepankan prinsip akuntabilitas, transparansi, dan value for money. Selain itu, keadilan dan pemerataan dalam pembangunan juga dijadikan dasar dalam penyusunan APBN setiap tahunnya. Pelaksanaan kebijakan fiskal dilakukan melalui perencanaan dan pengelolaan APBN secara hati-hati untuk menjaga kesinambungan fiskal. Utamanya melalui optimalisasi penerimaan dalam negeri, rasionalisasi belanja negara, serta pengelolaan defisit anggaran yang prudent. Instrumen kebijakan fiskal Islam di Indonesia sudah diakomodasi melalui regulasi zakat dan wakaf serta keuangan syariah, meski belum sepenuhnya terimplementasi. Kebijakan fiskal Islam diarahkan untuk mewujudkan pemerataan pendapatan & keadilan sosial, mendorong pertumbuhan riil berbasis sektor rill, menjaga stabilitas moneter, serta meningkatkan kesejahteraan Masyarakat. Dengan demikian, kebijakan fiskal Islam di Indonesia diharapkan dapat memacu peningkatan kesejahteraan rakyat Indonesia secara makro dan mikro melalui multiplier effect pembangunan ekonomi secara berkelanjutan.
Business Model Canvas (BMC) And Value Proposition Canvas (VPC) Analysis For Whale Shark halal Tourism, Tarano District, Sumbawa Regency Solution To Formulate A Strategy To Increase Tourism Value
Authors: Maradita Fendy , Aprirachman Rozzy
Published: March 2024

This research aims to find strategies to increase the value of Whale Shark tourism in Labuhan Jambu Village, Tarano District by using the perspective of whale shark tourism managers and related stakeholders using the Business Model Canvas (BMC) approach through nine channels. This study also looks at tourism value from a consumer perspective through the Value Proposition Canvas (VPC) approach from two aspects, namely the customer profile and value proposition. The sampling technique in this study used the Snawbal Sampling technique by identifying, selecting, and taking samples in a network or continuous chain of relationships. Meanwhile, data analysis used the Miles and Huberman technique which included data reduction, data presentation and conclusion. The results of this research to increase the value of Whale Shark tourism in Labuhan Jambu Village based on the BMC approach areThe whale shark tourism market segmentation is foreign tourists, domestic tourists anddiving/snorkeling enthusiasts, consist of online promotions via social media Instagram, direct promotions, participating in national events, whale shark festivals and collaboration with tour guides and travel tours, the major key partnership to maintain is travel agents, tour guides, fishermen, bagang owners, restaurants and hotels and the important Key resources consist of whale sharks, tour operators, supporting facilities and the Labuhan Jambu village community. Meanwhile the VPC results to solved the cunsomer provile including increasing Products and services for whale shark tourism are that visitors can see and swim directly with whale sharks, unique and rare tours, optimal service to visitors, provision of speed boats and complete diving/snorkeling equipment for visitor satisfaction.Pain Relievers consists of providing regular information about the appearance of whale sharks, limiting swimming time with whale sharks, providing speed boat access from Labuhan Jambu village, periodic efforts and programs to support whale shark conservation.Gain creators consist of tour packages and equipment for swimming with whale sharks, providing education on whale shark tourism to tourists, maintaining visitor trust by providing optimal service and mapping optimal times to meet whale sharks to inform tourists and related parties.
Paradigma Ekonomi berkelanjutan di Negara Berkembang Dalam Perspektif Islam
Authors: Asriadi Ari , Harahap Isnaini , Nawawi Zuhrinal M.
Published: March 2024

This article aims to uncover the dynamics of economic development in developing countries and analyze the influencing factors, focusing on identifying opportunities and challenges in achieving sustainable development. The research method utilized Systematic Literature Review (SLR), enabling the collection, evaluation, and synthesis of diverse literature related to the economic development of developing countries from 2018 to 2023. The results indicate that this study highlights the paradigm shift in the economy from the agricultural sector to the industrial and service sectors while emphasizing significant challenges such as economic inequality, limited access to healthcare and education, and negative environmental impacts. The principles of state and sustainability in Islamic economics, which are based on justice and balance, can be a strong foundation in facing economic challenges.
Good Corporate Governance Sebagai Implementasi Amanah Dalam Al-Qur’an (Tafsir QS. Al-Mu’minun)
Authors: Kusmilawaty Kusmilawaty , Tarigan Azhari Akmal , Nasution Yenni Samri Juliati
Published: March 2024

The article aim is to know how Good Corporate Governance as implementation of trust in QS. Al Mu’minun. The research run by literature studies with qualitative analysis. Source of data this research from documentation studies. The result of study show that trust and promises in Islam are essential to uphold and fulfill if one wishes to be a fortunate and faithful individual. Safeguarding trust in the economic context involves effectively managing the company's resources. This responsible management is referred to as Good Corporate Governance. Based on these principles, the Best Practice Good Corporate Governance in Islam can be formulated to include: Fairness (QS. Al Mu’minun:3), Transparency (QS. Al Mu’minun:3), Accountability (QS. Al Mu’minun:8), and Fulfilling Zakat (QS. Al Mu’minun:4).
Does Halal Tourism Development Support Achievement of SDGs Goals? A Systematic Literature Review
Authors: Ilmi Hikmatul , Ambariyanto Ambariyanto
Published: March 2024

The objective of this research is to figure out the role of halal tourism to the achievement of the Sustainable Development Goals (SDGs), in addition to identifying the factors that promote or hinder the growth of halal tourism in Indonesia. The primary data search procedure utilizes Publish or Perish software in conjunction with two databases, Google Scholar and Scopus. The outcomes of the analysis of the data comprised eight journal articles that were published between 2019 and 2023. This study's results indicate that the development of halal tourism contributes in numerous ways to the attainment of the SDGs. It can alleviate poverty in tourist destinations by generating employment opportunities for locals. Secondly, halal tourism ensures healthy and secure food and beverages. It has additionally equipped infrastructure for public facilities. Nevertheless, the growth of halal tourism in Indonesia encounters numerous impediments, among which is the absence of a comprehensive regulatory framework pertaining to this sector. Whereas, the community and business actors' consent and support for the sustainable management of halal destinations in Indonesia are the driving forces behind its development. Furthermore, these actors engage in collaborative planning and partnerships with other entities concerned with the management and advancement of tourism objects.
The phenomenon of Thrifting in State Law and Islamic Economic Perspective: A Business of Second Branded Fashion Trends for Young People
Authors: Fitria Tira Nur , Kusuma Indra Lila , Sumadi Sumadi
Published: March 2024

The trend of thrifting phenomenon is increased due to the pandemic as an alternative to make it business. The objective of this research is to explain the phenomenon of thrifting in State Law and Islamic Economic perspective toward a thrift business for young people. This research uses library research. The result shows that based on State Law, Minister of Trade Regulation Article 2 states that used clothes are prohibited from being imported into the territory of the Republic of Indonesia, and Article 3 states that used clothes that arrive in the territory of the Republic of Indonesia on or after the date of this Ministerial Regulation valid, it must be destroyed based on the provisions of the regulations legislation. The import policy as regulated in the Regulation Minister of Trade Number 51/M-DAG/PER/7/2015 about fencing national interest, protecting and encouraging the use of production domestically, and creating trade and domestic markets that healthy and conducive business climate. Besides, the Minister of Commerce has regulated that goods imported must be in a new condition as stated in Regulation Number 54/M-DAG/PER/10/2009 in Article 6 paragraph (1) that imported goods are in new condition and Article 6 paragraph (2) that in certain cases, the Minister may determine which goods imported in a non-new condition based on the Regulations legislation, the Authority of the Minister, and/or Proposals or technical considerations from other government agencies. While, based on the Islamic Economics perspective as listed on Fatwa of DSN MUI NO: 110/DSN-MUI/IX/2017 concerning buying and selling, the system must not contain elements of gharar (objects of goods that are not clear and can cause losses), khiyar 'aib (defects in the object of goods). In carrying out the sale and purchase contract related to the guidelines of Islamic rule both in Qur'an and Hadits. Some principles of buying and selling in Islamic Economics follow the mandate from Allah SWT to humans' benefit. Muslim as seller and buyer must control himself from things related to gharar (uncertainty elements), haram, and syubhat (the element of doubt).
Analisis Manajemen Risiko Pada Pengelolaan Bisnis Perumahan Syariah Al Mumtaz Residence Banjarmasin
Authors: Muhaimin Muhaimin
Published: March 2024

This research was motivated by the existence of a sharia housing located in the city of Banjarmasin with the slogan "No Riba, No Interest" which was then carried out by the marketing party of Al Mumtaz Residence Syariah Housing so far only to people who already understand sharia and are interested in using or consuming the sharia product. The purpose of this study is to find out what risks exist, how to measure and then manage the strategy carried out by Al Mumtaz Residence Syariah Housing. This research uses a type of field research with a qualitative descriptive approach because this research seeks to reveal something as it is. The data collection techniques used were observation, interviews, literature study and documentation. The results show that the risk management at Al-Mumtaz Residence consists of credit, market, liquidity, operational and marketing risks, the benchmarks used are measuring, analyzing, and evaluating in the evaluation. The measurement of risk management is of course based on the process of measuring or assessing risk and developing its management strategy. The existing risk management is by using effective risk management at the beginning.

Keyword : risk, management, No Riba, strategy
Peran Citra Destinasi Dan Perceived Value Terhadap Kepuasan Dan Loyalitas Halal Friendly Destination
Authors: Sinatrya Barkah Yusuf , Ermawati Dewi , Ulfa Dita Camelia , Dzikirullah Afirmatif , Haq Azinuddin Syaiful , Wulandari Fitri
Published: March 2024

This study aims to determine the role of destination image and perceived value on halal-friendly destination loyalty and consumer satisfaction as mediating variables. This study uses a population of all customers who make pilgrimages to the tombs of the guardians on the island of Java. Total of samples taken in this study were 150 respondents, with the sampling technique using cluster random sampling technique. Data analysis used path analysis with SPSS version 25 application. The results showed that the image of the destination had a positive effect on customer satisfaction and perceived value had no effect on customer satisfaction. As for the loyalty of halal-friendly destinations, the image of the destination has a negative effect and perceived value has a positive effect. In this study, it is able to prove that customer satisfaction has an effect on customer loyalty and consumer satisfaction can mediate the relationship between perceived value and consumer loyalty. However, in this study, consumer satisfaction proved unable to mediate the relationship between destination image and consumer loyalty.
Performance Analysis And Strategy Of Islamic Rural Banks Facing The Crisis Impact Of The Covid-19 Pandemic
Authors: Amrizal Amrizal , Salim Agus
Published: March 2024

Abstract

The purpose of this study is to analyze the impact of financial performance due to the economic crisis from the PandemicCorona Virus Disease-2019. How are the financial performances of Islamic Rural Banks different before and during the PandemicCorona Virus Disease-2019and management strategies in the context of going concern. The object of the research is the Islamic People's Financing Bank, with the research design using a mix method, namely a combination of qualitative and quantitative. Primary data was obtained through interviews with several bankers of the Islamic People's Financing Bank, while secondary data was in the form of 2019 and 2020 financial reports recorded at the Financial Services Authority. The population of Islamic People's Financing Banks in Indonesia is 163 while the sample used by purposive sampling is 17. The results of the study prove that there is no difference in financial performance before and during the period.Corona Virus Disease-2019except for the Non Performance Financial ratio there is a difference. Management strategies to maintain business continuity are restructuring, rescheduling, and reconditioning customers. The management strategy to reduce the risk of non-performing loans is to be more selective in accepting new customers and to prioritize or focus on fixed income customers.
Penanganan Sengketa Pembiayaan Bermasalah pada Akad Mudharabah di Baitul Maal Wa Tamwil (BMT)
Authors: Hosen M Nadratuzzaman
Published: March 2024

Akad pembiayaan Mudharabah merupakan salah satu akad dengan potensi keuntungan yang cukup menguntungkan kedua belah pihak. Kontrak ini diberikan oleh KSP-PS BMT Duta Jaya Lampung kepada masyarakat dengan tingkat ekonomi menengah ke bawah yang mayoritas berprofesi sebagai pedagang dan petani serta pengusaha jasa yang tinggal di pedesaan. Namun dalam praktiknya, seringkali terjadi permasalahan dan perselisihan dalam pembiayaan tersebut. Penelitian ini bertujuan untuk menganalisis bagaimana prosedur penyelesaian sengketa pembiayaan dalam akad mudharabah yang dilakukan oleh Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSP-PS) BMT Duta Jaya Lampung dan kesesuaian pelaksanaan Penanganan Sengketa Pembiayaan Bermasalah dalam Akad Mudharabah di Baitul Maal Wa Tamwil (BMT) Ketentuan Fatwa DSN MUI. Dalam pelaksanaan akad, seluruh pembiayaan operasional akad mudharabah sesuai dengan fatwa DSN nomor 07/DSN-MUI/IV/2000, kecuali ketentuan denda atau ganti rugi yang dikenakan oleh anggota untuk menanggungnya tanpa alasan apapun.
The Existence of Islamic Fintech in Encouraging National Economic Growth
Authors: Iqbal Muhammad , Muditomo Arianto , Farezha Alindha
Published: March 2024

This article aims to identify the role of Islamic fintech (peer-to-peer lending) in influencing Indonesia's economic growth. Economic growth is proxied by the growth rate of gross domestic product (GDP), while sharia fintech assets are used as indicators of peer-to-peer (P2P) lending based on sharia information technology. The relationship between the short-term and long-term effects of Islamic fintech P2P lending and economic growth was measured using the vector error correction model (VECM) method. The results of the analysis of the VECM results show that in the long term, every 1 billion increase in Islamic fintech assets will increase economic growth by 0.108%. Furthermore, the short-term effect was found that economic growth was significantly influenced by economic growth in the previous period (55.7%), economic growth in the previous three periods (-62.2%), and the growth of Islamic fintech assets in the previous two periods (0.09%). These results provide input to regulators and the government that the development of fintech P2P lending has an undeniable influence on economic growth, so that the preparation of regulations, ecosystem infrastructure and consumer protection is an important priority to ensure that the objectives of achieving monetary policy on economic growth can be controlled.
The Resilience of Islamic Boarding Schools as National Sharia Economic Providers Before and After COVID-19
Authors: Sa'dullah M. Havy , Mustofa Mustofa , Samsuri Andriani
Published: March 2024

Indonesia is a country that values religious freedomly. The reason for this is that Indonesia's economy can be classified as one of the Sharia-compliant economies. As is well known, innovation is required to enable the economy develop in tandem with changing times. The COVID-19 epidemic has had a significant impact on a country's economic development. However, the development of the COVID-19 epidemic appears to have the potential to assist Islamic boarding schools innovate. The reason for this is that Islamic boarding schools can aid in the development of the national Sharia economy. The contribution of Islamic boarding schools to the economy will undoubtedly be significant, particularly for the Muslim majority of Indonesians. The function of pesantren in the economy industry is well-known to receive support from Bank Indonesia itself, which is claimed to be prioritizing infrastructure development. The findings show that Islamic boarding schools require protection in order to aid the Islamic economy, particularly during the COVID-19 pandemic. Prior to the COVID-19 outbreak, Islamic boarding schools served as a resource for people who wanted to follow Islamic teachings. Pesantren, on the other hand, have become a driving force for the economy as time has passed and a pandemic has emerged.