bluuebunny/crossref_metadata_2025 huggingface dataset:
Pengaruh Premi, Pengetahuan Dan Religiusitas Terhadap Keputusan Nasabah Berasuransi Di PT. Asuransi Jiwa Syariah Al-Amin Jambi
Authors: Sari Septia Arnisa
Published: March 2024

This study aims to see the effect of premiums, knowledge and religiosity on insurance customer decisions at PT. Al-Al-Amin Jambi Sharia Life Insurance. This study has independent variables (variables that influence) and dependent variables (variables that are influenced). This type of research is quantitative research. Data collection obtained is by means of a questionnaire (questionnaire). The sample in this study amounted to 61 people. The analysis used is multiple regression analysis. After partial testing, it was concluded that the premium variable had a significant effect on the insurance customer's decision. In addition to the premium factor, there is also a significant influence of knowledge variables on insurance customer decisions. Finally, the religiosity variable has a significant effect on insurance customer decisions. Based on the results of the F test (simultaneous) it can be concluded that the variable premium, knowledge and religiosity together have a significant influence on the decision of insurance customers at PT. Al-Amin Sharia Life Insurance.
Analisis Multiakad dalam Gadai Sawah Pendekatan Emik
Authors: Sholihah Nurlailiyah Aidatus
Published: March 2024

This article aims to analyze the practice of hybridcontract in rice field pawn contracts based on an emic perspective. The research method used is qualitative and the data source is taken from interviews with the parties involved in pawning. The type of data in this research is qualitative data. Data collection techniques were carried out through observation and interviews with the parties involved in pawning rice fields. The data analysis technique is carried out by explaining the implementation of pawning rice fields and then analyzing it using an emic approach. Based on research conducted, it shows that hybridcontracts in rice field pawning take place when the pawned rice field is then managed by the rice field owner, then the harvest obtained is divided between the rahin and murtahin based on the agreement at the beginning of the contract. This practice contains two contracts, namely a pawn contract and a rent or maro contract. This aims to protect the rights of the pawnbroker as the holder of the margin. The implementation of gadai maro provides benefits for rahin and murtahin, which is fairer for both parties according to the pawn actor.
Analysis Of The Effect Of Equity And Liabilities On Profitability At PT Takaful Keluarga
Authors: Ulya An'nihayatul
Published: March 2024

The purpose of this study was to determine whether there is an influence between Equity and Liabilities on Profitability at PT. Family Takaful Year 2016-2021. The population used in this study is Equity, Liabilities and Profitability in PT. Takaful Family period 2016-2021. The data used in this study is secondary data taken from the official website of PT. Takaful Family year (2016-2021). This type of research is associative research. The sample collection technique used in this study is non-probability sampling, namely purposive sampling with samples used for 6 years. The analysis technique used in this study is regression analysis. The results of the regression analysis test show that equity has a significant positive effect on profitability, and liabilities have a significant positive effect on profitability.
Pengaruh Kualitas Pelayanan Dan Produk Terhadap Kepuasan Nasabah Di Bank Syariah Indonesia KCP Jayapura Abepura Provinsi Papua
Authors: Permana Dwi Arya
Published: March 2024

This study aims to analyze the effect of product quality and service quality on customer satisfaction. This research was conducted at Bank Syariah Indonesia Sub-Branch Office Jayapura, Abepura, Papua Province. The sample in this study was customers of Bank Syariah Indonesia Sub-Branch Office Jayapura Abepura Papua Province, totaling 80 respondents. This research is quantitative and data analysis technique using SPSS. The results of this study show that the variable of service quality has a significant effect and the variable of product quality has a significant effect on customer satisfaction.

Keywords: Service Quality, Quality Product, Customer Satisfactions, SPSS.
Perancangan Kualitas Layanan Berdasarkan Perspektif Islam Di Rumah Sakit Umum Daerah (RSUD)
Authors: Nugraha Nugraha
Published: March 2024

The problem in this study is the existence of complaints from patients who use hospital services against the management of the X Regional General Hospital (RSUD) in the city of Bandung, obtained from the results of a preliminary survey. This problem needs to be solved by designing Islamic service quality measurements so as to increase hospital patient satisfaction. The main objective of this study is to design service quality based on Islamic law at the X Regional General Hospital in the city of Bandung. The method used in this research is the Service Quality (SERVQUAL) method and Islamic law. From the research results obtained from the validity testing results of 27 statements declared valid because the value of R count is greater than the value of R table and the results of reliability testing obtained a value of 0.917, then the measuring instrument used is reliable. Based on the servqual model used, there are several indicators from each part of the SERVQUAL element that must be made critical improvements by the RSUD to improve the quality of their services. It is hoped that this research can improve patient satisfaction with the quality of hospital management service.
Cash Waqf Linked Sharia Micro Insurance (CWLSMI) Sebagai Proteksi Dana Darurat Pelaku Usaha Mikro
Authors: Faisal Ryan
Published: March 2024

The scientific work aims to introduce Cash Waqf Linked Sharia Micro Insurance (CWLSMI), an innovative approach to facilitate Sharia micro insurance contributions for micro-business actors using their owned products. Micro-business actors' product portfolios will be cataloged based on global community interests, and the management will be funded through productive waqf assets. Revenue generated from product sales will fund contributions to Sharia micro insurance for micro-business actors, their families, and contribute to government social security programs. CWLSMI serves as a financial planning reference for micro-business actors, fostering benefits for the halal industry. This qualitative research utilizes a narrative approach, incorporating primary data from search results and stakeholder interviews, complemented by secondary data from scientific journals and government reports. The initiation of CWLSMI is proposed as a recommendation to the government for enhancing the welfare of micro-business actors in Indonesia.
Analisis Tingkat Kesesuaian Syariah Dalam Proses Produksi Pewangi “Fresh” Laundry Pada Roicool Cipta Mandiri
Authors: Faina Lina
Published: March 2024

This study aims to determine the extent to which the conformity level of laundry fragrance products, what factors can affect the level of conformity of sharia in the laundry fragrance production process, as well as how the implementation of business licenses for laundry fragrance product home industries is enforced. This research is a field research with a qualitative approach using a qualitative paradigm of social construction phenomenology. The data collection techniques are carried out by observation, interviews, and documentation. While the object of this research is the owner of a home business or home industry "fresh" laundry fragrance. The results of this study indicate the level of conformity of sharia in the laundry fragrance production process is that the raw materials used in fragrances include perfume seeds, methanol, coolers, and preservatives which are halal, safe and harmless materials and on the safety of the production process and the safety of the production environment ensured safe and protected from dangerous objects. The factors for the production of laundry fragrances are the raw materials obtained from chemical materials that have been tested and confirmed to be safe for use in the production of laundry fragrances, the natural resources that are processed into raw materials for fragrances are perfume seeds derived from plant extracts such as roses, jasmine, lavender, and others, human resources are experiencing problems because man power or labor to process laundry fragrance products is only done by the owner himself without any interference from other people, then the capital used is still relatively limited, as well as technology (machines ) that is used is still classified as manual because it still uses simple tools. Then, the application for a home industry permit for the production of laundry fragrances has not yet been carried out because to do this requires a lot of costs and a lot of time.
Relevansi Pemikiran Ekonomi Islam Al-Maqrizi di Indonesia
Authors: Isnaini Nur
Published: March 2024

Economic problems always attract people's attention in various fields of life, because economic stability is the basis of people's material well-being. While the monetary phenomenon that causes inflation is a continuous process of currency depreciation. The focus of this research is on the relevance of Al-Maqrizi's Islamic economic thinking in Indonesia, as well as the role of the government in overcoming inflation in Indonesia. The purpose of this research is to find a solution to the problem and control inflation so that it is not high in Indonesia, and to see how the government's policy is in overcoming Indonesian inflation from the perspective of Al-Maqrizi. The method used in this research is descriptive qualitative method. The results of this study are Al-Maqrizi's thoughts which are still relevant to the economy in Indonesia, namely regarding the problems of money and inflation. Al-Maqrizi to overcome the problem of inflation with the establishment of the Baitul Maal. Meanwhile, what the Indonesian government has done in dealing with inflation is combining central bank policies with finance department policies such as a tight money policy by the central bank.
Analisis Sistem Kontrak Kerja Karyawan Dalam Perspektif Ekonomi Syariah Di Warung Kopi Sakerasumenep
Authors: Rizal Ahmad
Published: March 2024

Sistem kontrak kerja merupakan suatu perjanjian antara pekerja dan pengusaha secara lisan dan atau tulisan, baik untuk waktu tertentu maupun untuk waktu tidak tertentu yang memuat syarat-syarat kerja, hak dan kewajiban. Pada dasarnya kontrak kerja yang ada saat ini harus sesuai dengan Undang-undang Ketenagakerjaan. Permasalahan dalam pelaksanaan sistem kontrak kerja yang terjadi saat ini yaitu terdapat pada pekerja tenaga kerja itu sendiri yang lalai dalam menjalankan kewajibannya dalam bekerja dikarenakan sudah lelah, masa kontrak yang telah habis. Bagaimana sistem kontrak kerja karyawan di warung kopi sakera sumenep? Bagaimana sistem kontrak kerja karyawan perspektif ekonomi syariah di warung kopi sakera sumenep?. Penelitian ini bertujuan untuk meneliti lebih mendalam mengenai analisis sistem kontrak kerja karyawan di warung kopi Sakera Sumenep. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif. Sumber data yang digunakan adalah sumber data sekunder. Metode pengumpulan data adalah wawancara, observasi, dan dokumentasi. Teknik pengambilan sampel menggunakan purposive sampling. Hasil dari penelitian ini bahwa sistem kontrak kerja karyawan di Warung Kopi Sakera Sumenep dilakukan dengan secara tertulis dan merupakan bentuk sistem kontrak kerja karyawan yang menggunakan sistem waktu tertentu. Yang di dalamnya memuat unsur pekerjaan, pelayanan, waktu, dan upah. Karena pada dasarnya kontrak kerja karyawan yang ada di Warung Kopi Sakera itu sudah sesuai dengan undang-undang No. 13 tahun 2003 tentang ketenagakerjaan dan Ekonomi Syariah.

Kata kunci: Sistem, Kontrak Kerja, Karyawan, dan Ekonomi Syariah
Moderation of Religiosity and Factors that Influence Tourists' Intentions to Visit Halal Tourism Destinations on Lombok Island
Authors: Niam Siti Khozinatun , Slamet Slamet , Prajawati Maretha Ika
Published: March 2024

Konsep halal saat ini menjadi tren dalam perkembangan ekonomi syariah dunia, yang memunculkan segmen baru dalam pariwisata, yaitu wisata halal, yang kini dianggap sebagai ceruk pasar baru yang menjanjikan. Hal ini juga menjadi peluang besar untuk meningkatkan kunjungan wisatawan sekaligus menjadi lokomotif pertumbuhan ekonomi di bidang pariwisata halal. Oleh karena itu, Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi niat wisatawan untuk mengunjungi destinasi halal di Pulau Lombok, dengan religiusitas sebagai variabel moderasi. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan penelitian eksplanatori yang dirancang untuk menunjukkan kontribusi variabel eksogen terhadap variabel endogen. Populasi penelitian ini terdiri dari wisatawan yang berkunjung ke destinasi wisata halal di Pulau Lombok, dan metode pengambilan sampel menggunakan metode purposive sampling dengan kriteria yang telah ditentukan, dan total sampel sebanyak 280 responden. Data yang terkumpul akan dianalisis dengan menggunakan software SmartPLS 3. Hasil penelitian menunjukkan bahwa norma subjektif, sikap, citra destinasi, motivasi berwisata berpengaruh signifikan dan positif terhadap niat wisatawan untuk berkunjung ke destinasi wisata halal di Pulau Lombok. Sedangkan persepsi perilaku tidak berpengaruh signifikan dan positif terhadap niat wisatawan untuk mengunjungi destinasi wisata halal di Pulau Lombok
Analisis Bankir Syariah sebagai Nazir Wakaf Uang Pada Bank Syariah di Indonesia)
Authors: Ishandawi Ishandawi , Hakim Atang Abdul , Muharni Yusraini
Published: March 2024

Tujuan penelitian untuk mengkaji peluang perbankan syariah menjadi Nazir wakaf Uang Mengkaji keunggulan bankir syariah sebagai Nazir wakaf Uang. Objek penelitian adalah perbankan syariah di Indonesia, Metode Penelitian kualitatif, informan penelitian stakeholder perbankan syariah dengan kolektif data berupa wawancara dan data dokumentasi. Analisis data menggunakan deskriptif kualitatif. Penelitian menggunakan stakeholder theory dan agency Theory. Hasil penelitian membuktikan bankir perbankan syariah sangat berpeluang mengelola dana wakaf uang secara profesional sehingga dapat membentuk dana abadi dan merupakan sumber dana murah bagi perbankan syariah. Keuntungan Bankir syariah sebagai wakaf uang pertama dikelola oleh Lembaga profesional dan kredibel. Kedua Meningkatkan kepercayaan wakif untuk menyalurkan dana wakafnya. Ketiga Memiliki tingkat risiko rendah karena dikelola secara profesional dan akuntabel. Keempat Memberikan jaminan kepada maukuf alaih sebagai orang yang berhak menerima manfaat dari wakaf uang. Implikasi penelitian Sebagai inovasi produk baru menghimpun dana Masyarakat dalam bentuk dana abadi dan sumber dana murah sehingga memberikan keuntungan ganda bagi perbankan syariah produk penghimpunan dana abadi dan murah ini tidak dimiliki oleh perbankan konvensional. Limitasi penelitian ini, terkendala dengan regulasi sehingga bankir syariah belum dapat menjalankan fungsi nazir wakaf uang, sehingga dihimbau kepada stakeholder dapat seperti Otoritas jasa Keuangan, Badan wakaf Indonesia dan praktisi perbankan untuk mendorong regulasi menjadikan bankir syariah sebagai nazir wakaf uang.

Keywords: Nazir wakaf uang, Bankir Syariah, Teori stakeholder dan teori agensi
Wallet Digital Cross-Generation in the Acceleration of Digital Economic Transformation
Authors: Laksamana Rio
Published: March 2024

The phenomenon of digital wallets as electronic payment transaction tools is primarily due to changes in people's lifestyles, leveraging technological advancements, and various advantages, which consequently influence the decision to use digital wallets compared to other options. These digital wallet products are regulated through the regulations and rules established in Bank Indonesia Regulation No. 18/40/PBI/2016 and Bank Indonesia Circular Letter No. 18/41/DKSP regarding Payment Transaction Processing Implementation. Indonesia is ranked as the fourth most populous country with a population of 277.7 million people, and it is also one of the world's largest populations of internet users, totaling 204.7 million internet users in the country as of January 2022, or 73.7% of the entire Indonesian population. The aim of this research is to identify the differences in digital wallet usage frequency based on demographic factors, users' perceptions of digital wallets, and respondents' views on their interest in digital wallets in the future. The research method employs a direct field survey with a quantitative descriptive approach. The results indicate that the frequency of digital wallet usage is still low and uneven, while users' perceptions and interest in digital wallets are high. The findings of this research corroborate the findings of previous studies.
Pengaruh Likuditas dan Leverage Terhadap Financial Disress Pada Perusahaan Sektor Consumer non-cyclicals Yang Terdaftar pada Indeks Saham Syariah Indonesia di Bursa Efek Indonesia pada tahun 2018-2022 Dengan Profitabilitas Sebagai Variabel Intervening
Authors: Ardiansyah Putra
Published: March 2024

Financial distress is carried out to get an early warning of bankruptcy. The earlier warning indicators of bankruptcy appear, the greater the opportunity for management to prevent it. This research aims to: (1) identify and analyze the influence of liquidity (current ratio) and Leverage (debt to asset ratio) and profitability (return on assets) on Financial distress; and (2) identify and analyze the influence of liquidity (current ratio) and Leverage (debt to asset ratio) on Financial distress and profitability (return on assets) to mediate their respective influences. Research on non-cyclical consumer sector companies listed on the IDX in 2018-2022. The research population was 119 companies with a sample of 23 companies. The model for determining Financial distress used is the Zmjiweski model. Statistical analysis in this research was assisted by SmartPls Partial Least Square (PLS).Based on the results of the research and discussions that have been carried out, the research results can be concluded that liquidity has a significant and influential effect on Financial distress. Leverage has a significant and influential effect on Financial distress. Profitability has a significant influence on Financial distress and profitability is unable to mediate the influence of liquidity on Financial distress. Meanwhile, profitability is unable to mediate the effect of Leverage on Financial distress.

Keywords liquidity, Leverage, Financial distress, profitability
Factors Influencing Sharia Digital Banking Utilization by Millennial Generation in Indonesia
Authors: Sarifah Siti
Published: March 2024

This study aims to analyze factors influencing sharia digital banking utilization by using modified Technology Acceptance Model (TAM) approach. The data in this study were collected through questionnaires distributed online. The sample used in this study was 125 millennial respondents who used Jago Syariah Bank and Aladin Syariah Bank. In this study, the data is analyzed by using structural equation model analysis with the SmartPLS 3.2.9 analysis tool. The results showed that perceived ease of use, self-efficacy, and consumer innovativeness positively and significantly affect sharia digital banking utilization. However, there are some variables that have no significant effect, which are, perceived usefulness and subjective norms.
Pengaruh Pembiayaan Terhadap Profitabilitas (ROA) Pada Bank Umum Syariah Di Indonesia (2017-2022)
Authors: Nungcahyani Suci , Wahyudi Agung
Published: March 2024

This study aims to show the effects of mudharaba financing, musharaka financing, and ijara financing as well as partially and stimulants the profitability of Return On Asset (ROA) at Sharia Commercial Banks (BUS) in Indonesia. This study is quantitative research using secondary data in the form of panel data. The population used in the study is 13 Sharia Commercial Banks in Indonesia. Sample collection used a purposive sampling so that 5 bank units according to the criteria with a total of 120 sample data are obtained. As for data analysis techniques using model selection methods, classical assumption tests, panel data regression, and hypothesis tests. The results of the research show that partial mudharaba financing has no effect and is not significant on ROA on BUS. Musyaraka financing has a positive and significant effect on ROA in BUS. Ijarh financing has a negative and significant effect on ROA on BUS. Meanwhile, the stimulant financing of mudharaba, musyaraka, and ijara has a significant effect on ROA on BUS.
Pengaruh Kebijakan Moneter dan Makroprudensial terhadap Risiko Kredit di Bank Umum Syariah Periode 2018-2022
Authors: Ambawani Firdaina Nanda Puan , Wahyudi Agung
Published: March 2024

Abstract

The impact of the financial crisis at the end of 2008 resulted in the financial sector losing its ability to mitigate risk, in turn causing increased credit risk. The aim of the study is, of course, to understand the impact of monetary policy and macroprudential on credit risks in Indonesia's non-allocation financing (NPF). The study USES the data panel that has been processed through eviews 10 and applied with multiple linear regression analysis, specifying five different types of cellular general Banks that fit the criteria as a sample of observation during the 2018-2022 period. Research shows that bi rate as a monetary policy proxy and mandatory minimum requirement (GWM) as a macroprudensian policy proxy does not significantly affect credit risk. However, those capital inequality ratios have a significant negative impact on credit risk, while those variables financing to depositite ratios have significant positive effects on credit risk. Monetary policy and macroprudencies are crucial to systemic risk, particularly credit risk in the financial sector, especially at sharia general bank.
Modal Sosial: Apakah Penting Dalam Penyelesaian Pinjaman di Lembaga Keuangan Mikro Syariah?
Authors: Saida Umi , Abadi M. Kurnia Rahman , Prasetiyo Luhur
Published: March 2024

This study examines the significance of social capital in Islamic microfinance at BMT La Tansa Gontor. The research uses a systematic review of theoretical and empirical literature. The findings show that group loans with joint liability are effective in overcoming credit market challenges for the impoverished. Peer selection, monitoring, and pressure play a role in this effectiveness. However, the empirical literature suggests that social capital is a complex concept with varying effects on performance. Factors like trust, cultural homogeneity, and peer pressure have a greater influence on repayment compared to family groups. The implications of this research are practical and social. It highlights the need to consider social capital in different areas before implementing microfinance programs. It also emphasizes the importance of forming groups with trustworthy individuals and helping those affected by external factors. Lastly, it suggests avoiding family groups. The originality of this research lies in its comprehensive analysis of social capital and its impact on group performance.
Pengaruh Faktor Internal Dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Pembiayaan Bank Umum Syariah
Authors: Ainiah Pocut , Sriyana Jaka
Published: March 2024

This research aims to analyze the influence of internal factors and external factors of Sharia Commercial Banks on the NPF for murabahah financing, NPF for musyarakah financing, NPF for mudharabah financing, NPF for ijarah financing, NPF for istishna financing, and NPF for qardh financing. The research method used is quantitative research using secondary data from Bank Muamalat Indonesia, Bank BCA Syariah, Bank Panin Syariah, Bank Bukopin Syariah, Bank Mega Syariah, and Bank Victoria Syariah, all of which are the results of financial reports published by the OJK during the quarterly period. 1 of 2013 to the fourth quarter of 2022. The results of this research are that internal factors and external factors have an influence on NPF in murabahah, musyarakah and istishna financing in sharia commercial banks. Meanwhile, the NPF for mudharabah, ijarah and qardh financing is not influenced by internal and external factors in Islamic commercial banks.
Analisis Sustainable Dalam Meningkatkan Kegiatan Operasional LKMS Prespektif Manajemen Syari’ah
Authors: Aliyah Alfiina Rohmatil , Tyowati Sulistyowati Sulis
Published: March 2024

Artikel ini membahas analisis sustainable dalam meningkatkan kegiatan operasional LKMS (Lembaga Keuangan Mikro Syari’ah). Model yang dibangun melalui penelitian ini menunjukan bahwa dalam peningkatan operasional kegiatan dalam LKMS diperlukan adanya sebuah analisis sustainable yaitu analisis berkelajutan setiap tahunnya. Sedang pada analisis sustainable ini sudah sesuai dengan manajemen syari’ah, yaitu manajemen dalam Islam adalah aktifitas menertibkan, mengatur dan berpikir yang mengandung nilai-nilai keimanan dan ketauhidan, menata anggota kelompoknya dengan baik serta menerapkan sistem sesuai dengan Al Quran dan sunnah Rasul. Penelitian ini menggunakan pendekatan kualitatif. Analisis yang digunakan secara deskriptif. Data yang digunakan berasal dari data sekunder, dari buku, artikel jurnal dan webisite. Hasil penelitian ini lebih lanjut dapat dimanfaatkan untuk merancang kebijakan-kebijakan yang diperlukan untuk mendorong peningkatan kegiatan operasional LKMS yang sesuai dengan manajemen syari’ah sehingga secara luas dan berkelanjutan mampu menjangkau dan memberdayakan pelaku usaha mikro dan bermanfa’at untuk setiap lapisan yang membutuhkan, minimal siapapun yang berada dalam lingkungan LKMS sendiri.
Penerapan Hadis Larangan Dua Akad Dalam Satu Transaksi Di UMKM Batik Tulis Sumber Ayu Probolinggo
Authors: Salsabilah Firyal , Ghozali Lathoif
Published: March 2024

Contracts have a very significant position in activities in the fields of economics, business and finance. And the influence on goods is very large, so that muamalah transactions are said to be valid if the contract carried out meets the requirements and is harmonious. Sharia economic literature does not allow two contracts in one transaction (two in one). Many hadiths explain that the Prophet prohibited two contracts in one transaction which could cause the price set to be unclear. This research is qualitative research with the type of research using field studies. A contract is an activity carried out by two parties who mutually agree to be bound and obliged to carry out their obligations agreed upon at the beginning of the transaction in accordance with sharia. The verses that explain the contract are Q.S Al-Maidah verse 1, Q.S Ali Imran verse 76, and Q.S An-Nisa verse 29. Not only verses from the Qur'an, there are also hadiths that explain the contract, namely the Sahih Bukhari hadith 1967, Sahih Bukhari 7903, and Musnad Ahmad 7903. In connection with the Prophet's prohibition on carrying out two contracts in one transaction, the sale and purchase contracts established at the Sumber Ayu Batik Tulis UMKM do not recommend that consumers carry out two contracts in one transaction. Because it can cause gharar in the products being sold
Aktualisasi Prinsip Keadilan Pada Akad Murabahah Dalam Menetapkan Margin Keuntungan Di Lembaga Keuangan Syariah
Authors: Marzuki Marzuki , Marzuki Marzuki
Published: March 2024

Lembaga keuangan Syariah adalah opsi bagi nasabah yang ingin bertransaksi sesuai prinsip-prinsip syariah, menghindari riba. Bank syariah beroperasi berdasarkan prinsip-prinsip Islam, seperti akad murabahah, mudharabah, dan musyarakah. Fondasi operasionalnya bersumber dari al-Quran dan hadis, mencakup keadilan, kesetaraan, dan aturan hukum syariah. Akad murabahah, sebagai bentuk pembiayaan bank syariah, melibatkan pembelian barang dengan harga pokok dan keuntungan yang disepakati oleh nasbah dan pihak bank/BMT. Praktik akad murabahah harus memperhatikan aspek keadilan, termasuk penetapan harga adil, transparansi, pemenuhan kewajiban, penanganan risiko, dan penetapan margin keuntungan agar tidak ada eksploitasi. Penetapan margin keuntungan harus adil, wajar, dan transparan, meningkatkan kepercayaan nasabah terhadap bank syariah. Adapun tujuan dari penelitian ini adalah untuk menjelaskan aktualisasi prinsip keadilan pada akad murabahah dalam menetapkan margin keuntungan di lembaga keuangan syariah. Metode yang diterapkan dalam penelitian ini adalah pendekatan yuridis normatif dengan karakteristik penelitian berupa analisis deskriptif. Hasil dari penelitian ini penetapan margin keuntungan dalam pembiayaan akad murabahah didasarkan pada prinsip keuntungan yang adil, dengan tujuan mencapai margin yang wajar dan seimbang tanpa merugikan pihak bank maupun nasabah. Di mana bank syariah harus memberikan informasi rinci kepada nasabah mengenai perhitungan margin keuntungan beserta faktor-faktor yang memengaruhinya

Keywords: prinsip keadilan, akad murabahah, lembaga keuangan syariah
Dinamika Lembaga Dan Aset Lembaga Perbankan Syariah Di Indonesia (Total Lembaga Dan Aset 2019 – Mei 2023)
Authors: Nada Nabilatun
Published: March 2024

This research utilizes a literature review method to investigate the dynamics of Islamic banking institutions and their assets in Indonesia from 2019 to May 2023. The 2022 Islamic Financial Development Report of Indonesia reveals a significant growth of 15.87% in the assets of the Islamic financial industry. The Financial Services Authority (OJK) emphasizes the resilience of the Islamic economic and financial sector, including Islamic banking, in facing the challenges of the COVID-19 pandemic. In 2022, the assets of the Islamic financial industry reached IDR 2,375.84 trillion, with growth primarily occurring in the Islamic capital market (15.51%) and Islamic Non-Bank Financial Institutions (20.88%). Indonesia remains a key player in the Islamic Finance Development Indicator 2022. This research describes the development of Islamic banking institutions from 2019 to May 2023, highlighting fluctuations in the number of branches and Islamic banks. Consolidation, Islamic financial literacy, and digital technology are key factors shaping the dynamics of this sector. Despite a decrease in the number of Islamic banks, total assets increased from IDR 624.564 trillion in December 2019 to IDR 785.646 trillion in May 2023. These factors support the growth and resilience of the Islamic banking sector in Indonesia.
Kebijakan Moneter Islam Dalam Upaya Mengendalikan Inflasi
Authors: Sari Yovita
Published: March 2024

Abstract

This research aims to analyze Islamic monetary policy in an effort to control inflation. This research uses the literature study method to analyze the latest literature and research regarding Islamic monetary policy. This method allows researchers to get a more comprehensive picture of Islamic monetary policy in an effort to control inflation. This literature and research can be obtained from various sources, such as scientific journals and websites. Based on research results, Islamic monetary policy has the potential to control inflation. Islamic monetary policies can be used to control the money supply, increase people's purchasing power, and encourage sustainable economic growth. It is hoped that this research can provide practitioners with a better understanding of Islamic monetary policy. This better understanding can help practitioners to implement Islamic monetary policy more effectively and efficiently. It is also hoped that this research can contribute to Islamic monetary policy theory. This analysis can be used to develop a more comprehensive theory of Islamic monetary policy.
Concept of Scarcity in Conventional Economics; A Critical Analysis With Islamic Economic Perspective-Konsep Scarcity Dalam Ekonomi Konvensional; Sebuah Analisis Kritis Dengan Perspektif Ekonomi Islam
Authors: Lahuri Setiawan Bin , Dwi Rahayu Hesti Maharani
Published: March 2024

This scarcity issue is still a hot topic every year. In conventional economics, scarcity is defined as a lack of natural resources that can be used and utilized by a society, which ultimately leads to a riot and insatisfaction with the needs of a society. Deficiency is seen as a problem that has yet to be solved in its economic activities. They divide the type of deficiency into two types: absolute deficiency and relative deficiency. While Islamic economics does not recognize the type of deficiency that is absolute. In Islam, the absolute is the abundance of resources, but what is to be limited is the human desire. Islam only knows the relative deficiency caused by the desires of humans that exceed the use of the existing resources. In this study, the author will criticize the concept of scarcity in conventional economics using critical analysis from the perspective of Islamic economics. This research uses the method of library research, which collects data from quoting and analyzes it against various pieces of literature that have relevance to the issues discussed, then reviews and concludes. The results of this study show a very fundamental difference between the concept of scarcity in conventional economics and the Islamic concept. The Islamic economy does not recognize the kind of deficiency that is absolute in nature. In Islam, the absolute is the abundance of resources, but what is to be limited is the human desire. Islam only knows the relative deficiency caused by the desires of humans that exceed the use of the existing resources. In the Islamic perspective, the human condition should not be lack or poverty, but well-being and abundance. Being abundant means that the real condition is sufficient to satisfy all the needs of man; this is the natural condition of the world and not something to be anticipated or expected.
Penguatan Badan Usaha Milik Desa (Bumdes) Untuk Pembangunan Berkelanjutan Di Kabupaten Bone Perspektif Maqashid Syariah
Authors: Bahri Syamsul , Hafid Abd
Published: March 2024

This study aims to investigate the characteristics of Village Owned Enterprises (BUMDes), analyze the form of bumdes management, and analyze the strategy of strengthening Village Owned Enterprises (BUMDes) in Bone Regency.The analysis unit is a Village Owned Enterprise (BUMDes) with research objects of Bumdes Management, Village Government, and Village Escorts.This research is qualitative research with descriptive research type. Data is collected with interviews and observations.The data was analyzed using qualitative descriptive analysis techniques. Qualitative descriptive technique is qualitative data processing that has been obtained through simple depiction of facts/characteristics.The results of the study that village owned enterprises in Bone District have not found a character that suits local conditions.In running a business still tends to imitate what others have done.BumDes governance has not implemented the principle that should be a handle in conducting activities.The manager still does not have good human resources to innovate, so BUMDes cederung does not experience significant development.bumdes strengthening must be done with a good management approach, improving human resources, strengthening institutions, creating products based on local potential, as well as creating connectivity / business networks.
Strategi Pengelolaan Zakat Pada Badan Amil Zakat Nasional (Baznas) Kota Pontianak
Authors: Suradi Romi , Amalia Sisi
Published: March 2024

Pontianak City Baznas has a potential zakat revenue of approximately 250 billion. However, the realization of zakat received was only 5.9 billion or only 2.4%. Meanwhile, the number of Muslims in Pontianak City is 511,431 people, but only 91,419 Muslims paid zakat in 2020 or only 17.9%. And in 2020 there was a decrease in zakat receipts of around 1.1 billion and a decrease in the number of muzakki by around 34,000 people. This research aims to find out what factors hinder and support the zakat management strategy in the Pontianak City Baznas and how to optimize the zakat management strategy in the Pontianak City Baznas. This type of research uses a descriptive quantitative approach. The types of data used are primary and secondary data. The data collection techniques used were observation, interviews, questionnaires and documentation. The analysis method used is SWOT analysis (Strengths, Weaknesses, Opportunities and Threats). The results of the analysis show that the main inhibiting factor in zakat management in Pontianak City Baznas is that Baznas has not been able to reach all muzakki in Pontianak City and many new zakat management institutions have been established that have the same role. Meanwhile, the main supporting factor for zakat management at Baznas Pontianak City is the existence of Baznas which is supported by law and the majority of the people of Pontianak City are Muslims. Pontianak City Baznas is in quadrant I (Aggressive Strategy), namely Pontianak City Baznas is in a strong condition and has opportunities, so it is very possible to continue to expand, increase potential and receive maximum zakat. The strategy for managing zakat at the Pontianak City Baznas to be optimal is by increasing the socialization of zakat to all levels of society, increasing the formation of UPZs in mosques, surau-surau and agencies in Pontianak City, collaborating with zakat management institutions and zakat institutions. newly established in Pontianak City, carrying out new innovations in the zakat program, optimizing the database, and developing a zakat payment system using current trending technological media.
Mengonsep Sintesis Sains Dan Al-Qur’an (SSQ) Sebagai Teknik Pengintegrasian Ilmu Ekonomi Melalui Pendekatan Maqashid Syariah (Studi Analisis Konten)
Authors: Yusuf Sitti Rabiah
Published: March 2024

This research aims to conceptualize the synthesis of science and the Koran as a strategy to integrate economics with the Koran. The research method uses content analysis on the research objects of Management Accounting books and synthetic thinking books. The results of this research show that 1) The synthesis of science and the Qur'an is carried out by combining economic messages contained in management accounting books with economic sentences in the Qur'an. Like the science of ushul fiqh which uses sentence fragments in verses of the Koran as a basis for study in determining Islamic economic law. 2) the Management Accounting book by Mulyadi contains elements of maqasid sharia in the form of reason and assets which are characterized by the presence of concrete sentences in the form of thoughts (reason) and the use of numbers.
Peran Wakaf Produktif Dalam Kesejahteraan Masyarakat
Authors: Masriyah Siti
Published: March 2024

The purpose of this study is to ascertain how beneficial productive waqf is to community welfare. employing research methodology, specifically a review of the literature on productive waqf for community welfare and using earlier studies as a guide. The article's findings demonstrate how waqf assets can be allocated for productive uses, which will undoubtedly boost local economic activity in a contemporary economic system and enhance community welfare. which is consistent with the primary goal of waqf, which is to distribute assets so that each Muslim can benefit from their wealth without favoring any particular group.
Implementasi Model Pengelolaan Wakaf Berbasis Digital dalam Meningkatkan Tujuan Pembangunan Berkelanjutan (Sdg’s)
Authors: Maisyarah Anisa , Hadi Kuncoro
Published: March 2024

Sebagai salah satu endowment fund, wakaf memiliki relevansi kuat dengan isu yang diangkat dalam Tujuan Pembangunan Berkelanjutan atau Sustainable Development Goals (SDGs). Pada era saat ini, transformasi digital menjadi salah satu upaya untuk mendorong peningkatan potensi wakaf guna mencapai tujuan pembangunan masyarakat. Penelitian ini melakukan eksplorasi literatur yang membahas model pengelolaan wakaf berbasis digital yang telah dilakukan dan dapat mendukung tujuan pembangunan. Metode penelitian yang diterapkan adalah tinjauan literatur dengan pendekatan kualitatif. Artikel ilmiah, buku, artikel dari situs resmi, dan laporan seputar pengelolaan wakaf digital dan SDGs menjadi data yang dianalisis. Pendekatan analisis deskriptif kualitatif, yaitu pendekatan yang mencoba mengintegrasikan dan menyimpulkan temuan-temuan dalam literatur, digunakan dalam penelitian ini. Hasil analisis menunjukkan bahwa stakeholders dalam bidang wakaf dapat mengimplementasikan model crowdfunding platform sebagai strategi untuk meningkatkan penghimpunan wakaf, menetapkan konten digital sebagai salah satu objek wakaf, dan menggunakan teknologi blockchain dalam pengelolaan data wakaf.
Pengaruh Religiusitas Dan Sikap Altruistik Pada Minat Berwakaf Uang Dimoderasi Tingkat Pendapatan
Authors: Zidni Maulida Nabila Adenina
Published: March 2024

Penelitian ini bertujuan untuk mengetahui minat sekelompok Masyarakat dalam berwakaf uang. dengan menggunakan variable religiusitas dan sikap altruistik, yang mana altruisme merupakan perasaan ingin mensejahterakan orang lain sehingga kepentingan pribadi terkadang tidak selalu penting. Perasaan orang yang selalu ingin membantu sesama harus dilihat dan dijadikan salah satu alat pemasaran di masa depan. Pendapatan menjadi moderasi religiusitas dan sikap altruistic seseorang berminat untuk wakaf uang. penelitian ini menggunakan model Partial Least Square – Structural Equation Model (PLS-SEM), dengan populasi seluruh Masyarakat muslim dan yang sudah memiliki kartu tanda penduduk (KTP) yang berada di kabupaten Sleman dengan jumlah sampelnya adalah 186 orang. Temuan utama penelitian ini mengkonfirmasi adanya pengaruh positif religiusitas dan altruistic terhadap minatberwakaf uang. Namun tingkat pendapatan seseorang mempengaruhi minat berwakaf uang meskipun seseorang tersebut memiliki sikap altruisme dan tingkat religiusitas. Dalam hal ini, pendapatan bukan menjadi penentu dan factor uatama seseorang melakuakn wakaf uang. Untuk itu potensi wakaf uang yang besar bukan hanya tertuju pada seseorang yang memiliki otingkat pendapatan yang tinggi, mungkin akan sebaliknya tergantuk religiusitas dan sikap altruistic dari masing-masing individu.
Dampak Fenomena E-Commerce Pada Tingkat Penjualan Di Pasar Tradisional Ditinjau Dari Psikologi Dan Ekonomi Islam
Authors: Nur'aeni Nur'aeni Nur'aeni , Ainulyaqin MH , Edy Sarwo
Published: March 2024

Sales in traditional markets with the presence of e-commerce has caused a decrease in the number of consumer visitors in traditional markets which has resulted in sales levels decreasing. This is because there is sales competition that occurs on e-commerce platforms which offer very large discount promotions to consumers, thus having a huge impact on traders in traditional markets. The decreasing value of products or goods on e-commerce platforms makes traditional markets less attractive for consumers to visit. The author's aim in carrying out this research is to develop insight according to the topic discussed, namely, to determine the psychological impact experienced by traders in traditional markets on the e-commerce phenomenon and to find out the principles of Islamic economics that can be applied in the context of the e-commerce phenomenon at the sales level. The research method used is descriptive qualitative using field research and this research uses the fishbone method to analyze data. The research results show that traders in traditional markets lack psychological well-being and traders in traditional markets have a high level of religiosity, and in general, electronic trading does not conflict with Islamic law.
Syariah Branding pada Komunitas Muslim Millenial (studi pada Sahabat Hijrah Kota Batam)
Authors: Ruhmah Andi Amma
Published: March 2024

Abstrak

Penelitian ini menyajikan fenomena kesadaran beragama kaum muda, yang diwakili oleh Generasi Millenial. Kesadaran beragama yang dibangun dengan membentuk komunitas keagaamaan , selaras dengan Keputusan mereka dalam memilih produk syariah (Syariah branding) dan memberi potensi untuk membentuk pasar. Metode yang digunakan adalah mix method, dan perolehan data diperoleh melalui sebaran kuisioner dan wawancara. Hasil dari penelitian ini adalah terdapat hubungan yang terus berkembang bagi generasi millenial dan kesadarannya akan pemahaman agama yang dibentuk melalui komunitas dan dapat membentuk budaya popular (Pop Culture) misalnya tren hijrah untuk menjawab peradaban yang semakin kompleks.

Kata Kunci : Syariah Branding, Muslim Millenial, dan Budaya Populer
Relevansi Konsep Upah Pengemudi Ojek Online Perspektif Yusuf Qardhawi
Authors: Mira Humairah
Published: March 2024

According to Yusuf Qardhawi, the concept of wages is that wages are determined based on an agreement between both parties. The wages given must be commensurate with the work and the workers' needs so that they can live a decent life in society. The aim of this research is to identify the relevance of the wage concept offered by Yusuf Qardhawi to the implementation of wages for Jasku Pamekasan online motorcycle taxi drivers. This research uses qualitative research, where the data is obtained from observations, interviews and documentation. The data obtained is used as material that is relevant to Yusuf Qhardawi's thinking. The results of this research explain that Jasku owners apply the concept of wages from Yusuf Qardhawi's perspective, namely the concept of fair and honest wages. Jasku's wage system uses a profit sharing system. The owner of Jasku announces the wage system in advance before work begins. The more diligent and active they are in their work, the more wages they will get.
Manajemen Risiko Pada Investasi Bisnis Properti Syariah
Authors: Sugianto Sugianto , El Hakim Muhammad Luqman , Sati Hana'an Dea Sarah
Published: March 2024

Risk management in sharia property business investment is a crucial element in ensuring the sustainability and success of long-term investments. The sharia property business, which includes unique aspects such as sharia provisions, market fluctuations and regulatory changes, faces risks that need to be carefully identified, evaluated and managed. The risk management process involves the steps of identifying risks, determining risk tolerance, and using mitigation strategies, including avoiding, reducing, sharing, or accepting risks. Alignment with sharia principles and a deep understanding of property law are key. Portfolio diversification, continuous monitoring, and collaboration with sharia experts are important factors in maintaining a balance between potential profits and risks. By implementing effective risk management, investors can maintain sharia integrity while protecting investment value and achieving financial goals in a sustainable manner.
Peran Pesantren Dalam Mendukung Tercapainya Sustainable Development Goals Dengan Pengelolaan Sampah Berbasis Bank Sampah (Studi Pondok Pesantren Darussalam Blokagung Banyuwangi)
Authors: El Madaniya Nadiya
Published: March 2024

Sustainable development (SDGs) is a big agenda compiled by the United Nations which has 17 goals, one of which is to reduce waste. The waste problem is currently serious. The more people who are active, the more waste is generated. The solution to handling the waste problem must be good management. One of them is the waste bank program. The waste bank is a program that utilizes sorted waste. The waste bank system is similar to the bank system, but what is stored is dry waste that can be recycled. This study aims to see Islamic boarding schools' role in supporting SDG achievement through waste management programs. In addition, the purpose of this study is the impact of a waste bank on the Islamic boarding school environment. This study uses a qualitative approach. The discussion of this research is based on the results of observations and interviews with waste bank management. The results of this study are in a positive direction that the existence of a waste bank at least helps and supports sustainable development and also that this waste bank activity provides an example to students on how to manage waste properly and correctly. However, the obstacle is that not all students are aware of this. So that the impact of a waste bank activity has been running until now but not too significant.