bluuebunny/crossref_metadata_2025 huggingface dataset:
Komparasi Konsep Harga Perspektif Islam: Ulama Ekonom Klasik dan Kontemporer Abad Pertengahan
Authors: Kariim Luthfiana
Published: March 2024

Harga memiliki peran penting dalam menentukan proses permintaan dan penawaran dalam pasar. Penelitian ini bertujuan untuk mengetahui konsep penetapan harga perspektif Islam dengan sudut pandang ulama ekonom abad klasik dan ekonom abad kontemporer. Metode pengambilan data yang digunakan yakni dengan menggunakan data primer, sekunder, dan tersier. Penelitian ini merupakan penelitian deskriptif melalui studi kepustakaan. Hasil yang didapat adalah kesepakatan umum tentang batasan penetapan harga baik ulama ekonom klasik maupun ulama ekonom kontemporer tidak ada. Secara umum masing-masing menjelaskan bahwa penetapan harga bisa didapat melalui analisis lapangan dengan cara menemui titik temu kurva penawaran dan kurva permintaan serta mencapai titik maslahah umat. Dari kontribusi ulama ekonom klasik tersebut, dapat disimpulkan bahwa konsep harga dalam perspektif Islam menekankan pada keseimbangan pasar dan keadilan ekonomi dengan mempertimbangkan urgensi stakeholder pasar. Selain itu, pemerintah berperan penting dalam mengambil kebijakan penetapan harga yang adil dengan mempertimbangkan faktor-faktor penyebab distorsi pasar dan mengembalikan equilibrium harga pasar. Konsep harga dalam perspektif Islam juga berkaitan dengan konsep uang dan psikologi Islam, di mana harga diri memiliki konsep tersendiri yang dinilai melalui hubungan seseorang dengan sesamanya dan juga hubungannya dengan Tuhan.
Pengaruh Return On Asset, Capital Adequacy Ratio, Dana Pihak Ketiga Dan Non-Performing Financing Terhadap Market Share Perbankan Syariah
Authors: Astuti Retno Puji
Published: March 2024

The purpose of this study was to analyze the effect of return on assets, CAR, third-party funds, and non-performing financing on Islamic banking market share. The population of this study is Islamic banking registered with the Financial Services Authority (OJK) for the period 2017–2022. The sampling method used was purposive sampling, with a total sample of 10 Islamic commercial banks. The data analysis technique used in this research is multivariate regression analysis using Eviews 10 statistical tools. The results of this study indicate that ROA and DPK affect the market share of Islamic banking. CAR and NPF do not affect on the market share of Islamic banking
Penguatan Industri Halal Melalui Women’s Entrepreneurship Pada Umkm Di Wilayah Pesisir Kota Bengkalis
Authors: Misdawita Misdawita , Sari Lapeti , Utami Bunga Chintia
Published: March 2024

The halal industry has a strategic role in improving the economy. The halal industry contributes USD 3.8 billion to Indonesia's Gross Domestic Product (GDP) annually. Bengkalis Regency is one of the regencies in Indonesia that has great potential for the development of the halal industry in coastal areas, moreover according to 2020 data from the Central Statistics Agency, Bengkalis Regency has 6,354 MSMEs which is the second largest in Riau Province. In Indonesia, women's entrepreneurship is a valuable contributor to the renewal and development of the domestic economy. According to a statistical report from the Central Bureau of Statistics, out of 2 million micro business units, 40.8% are controlled by women. This study uses a binary logistic regression model to determine what factors influence the decision of women entrepreneurs to obtain halal certificates. The results of this study found that ownership of halal certificates in MSME women entrepreneurs in Bengkalis Regency was influenced by age, number of children under five, average monthly income and interaction variables between type and length of business. While the factors of education, labor, length of business, human capital, and business performance do not significantly influence the ownership of halal certificates in MSMEs in Bengkalis Regency.
Smart Sukuk Berbasis Blockchain Tinjauan Maqasid Syariah Al-Najjar
Authors: Dimyati Dimyati , Rosyadi Moh. Imron , Fageh Achmad
Published: March 2024

The concept of Blockchain-based Smart Sukuk involves the use of Blockchain technology and smart contracts in the issuance and execution of Sukuk. Smart Sukuk and Blockchain: One of the innovations of Blockchain systems is smart sukuk. Effective issuance of smart sukuk allows small and medium enterprises (MSMEs) to take advantage of it. Because it increases transparency and eliminates the possibility of fraud or speculation in sukuk transactions, Blockchain is a technology that builds trust between issuers and investors. Smart Contracts: Smart contracts run on the Ethereum Blockchain and allow smart sukuk to be automated and executed digitally. Smart contracts eliminate some of the components and parties involved in conventional sukuk, such as trustees, registrars, payment agents, calculation agents, arrangers, listing agents, transfer agents, and security depository. MSME Financing Potential: Blockchain-based Smart Sukuk has the potential to support the development of MSMEs and the deepening of the Islamic financial sector. Efficiency and Transparency: The use of Blockchain technology in Smart Sukuk can increase efficiency, transparency, and cost, allowing companies to utilize sukuk structures more efficiently
Analisis Faktor-Faktor Yang Mempengaruhi Generasi Z Dalam Mengunjungi Objek Wisata Halal Di Kota Lhokseumawe
Authors: Fikri Juan
Published: March 2024

Penelitian ini bertujuan untuk mengenalisis pengaruh Generasi Z dalam mengunjungi objek wisata halal di Desa Rancong Kecamatan Muara Satu Kota Lhokseumawe. Penelitian ini menggunakan data primer yang diperoleh dengan membagikan kuesioner kepada 70 responden generasi Z. Jenis penelitiannya yaitu kuantitatif dengan menggunakan metode analisis data yang digunakan adalah Partial Least Square dengan bantuan program aplikasi atau SmartPLS 3. Hasil penelitian menunjukkan bahwa Lokasi tidak berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 1.703 Artinya H_a ditolak H_0 diterima, Promosi tidak berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 0.821 Artinya H_a ditolak H_0 diterima, Fasilitas tidak berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 0.666 Artinya H_a ditolak H_0 diterima, Aksesibilitas berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 4.746 Artinya H_a diterima H_0 ditolak, Keamanan tidak berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 2.050 Artinya H_a diterima H_0 ditolak
Perspektif Ekonomi Islam tentang Masyarakat Kesejahteraan dan Keadilan
Authors: Sahla Hilmiatus , Nasution Muhammad Yasir , Sugianto Sugianto
Published: March 2024

This study aims to determine the concept of society from the perspective of Islamic Economics. The research method used is descriptive qualitative, with secondary data sources obtained from books and journal articles. The results of this study explain that the concept of community was built sby Rasulullah SAW when he was in Medina with the concept of the ummah, which was recorded in the Medina charter. Some of the characteristics are the characteristics of the aspired society (civil society). These characteristics are a democratic society that upholds and highly respects human rights, a society with a high commitment to upholding the law, and a professional society. The axiological aspect of Islamic economics on the concept of society, namely Islamic economics, explains that every activity in society is based on devotion to Allah SWT. By prospering the earth, then in the economy, Muslims must prioritize harmony and preservation of nature. The orientation of happiness in Islam is happiness in this world and the hereafter
Prinsip Pengelolaan Dana Desa Terhadap Pertumbuhan Ekonomi Untuk Meningkatkan Kesejahteraan Masyarakat Ditinjau Dari Perspektif Ekonomi Syariah (Studi Kasus Desa Parean Girang Kec. Kandanghaur Kab. Indramayu)
Authors: Nur Ridwan Amal Fazri
Published: March 2024

This research was backgrounded by the number of poor people in Parean Girang Village, Kandanghaur District, Indramayu Regency. As we know that poverty is one of the indicators to measure the level of public welfare. The purpose of this study is to determine the principles of management and villages towards economic growth to improve welfare in terms of the Islamic economic perspective. The research method used is quantitative research. Based on the results of research and discussion, it is known that the value of R2 is 0.569. This value comes from the deferment of the value of the correlation coefficient (R), which is 0.755 x 0.755 = 0.569. It is known that the value of the Coefficient of determination is 0.569 or 57%. This means that the variables Adl (X1), Transparency (X2), Ma'ad (X3) affect the variables Public Welfare (Y) by 57%. then it can be summed up as follows; variable 'adl (X1) has no positive and significant effect on community welfare (Y), transparency variable (X2) has a positive and significant effect on community welfare (Y), ma'ad variable (X3) has a positive and significant effect on community welfare (Y), transparency variable (X2) and ma'ad variable (X3) simultaneously or together have a positive and significant effect on community welfare (Y ). While the rest is influenced by other variables outside this regression equation.
Analisis Bauran Komunikasi Pada Layanan Pembiayaan di KSPPS Karisma Grabag dalam Meningkatkan Minat Nasabah
Authors: Sofian Alif , Fitriyani Yeny , Pudail M
Published: March 2024

This study aims to find out more and describe the state of the marketing communication mix implemented by the KSPPS Karisma branch of Grabag to arouse the interest of members and increase the number of their members. Increasing The failure of cooperatives to attract members is one of the factors. There is a lack of marketing communications while members are the source. Cooperative survival requires good marketing communications, informing the existence of products and convincing people to make purchases. The method used is descriptive qualitative method in this study. The data analysis method used is data collection, presentation of the data found and conclusions. Information obtained from observations and interviews where the sampling technique was purposive sampling, documentation, internet and literature research was carried out from January 2022 to December 2022. The marketing communication mix used by KSPPS Karisma Grabag to reach members is advertising, personal selling, and word of mouth marketing, direct and interactive marketing and public relations and Advertising. The marketing communication mix used in this study Kharisma KSPPS Grabag increased the number of members.
Pendekatan K-Means Clustering Metode Elbow Pada Analisis Motivasi Pengunjung Festival Halal JHF#2
Authors: Wicaksana Ragil Satria , Heksaputra Dadang , Syah Toufan Aldian , Nur'aini Finka Febri
Published: March 2024

Research that explores intrapersonal elements as a motivation for consumer decisions to visit a regional halal festival using a computational technique is still very rare. Motivation is one of the intrapersonal components of consumers and becomes a vital construct in the formation of marketing strategies in the context of goods and services. In this study, the mental activity that is the focus of the discussion is the determination of the rational factors considered by visitors as elements that shape people's motivation to attend the Jogja Halal Fest #2, referring to the instrument developed by Crompton and McKay. The method used in this study is the K-means clustering approach, whose results provide identification in the form of clustering patterns of visitor motives at JHF that tend to converge on educational, recreational, and transactional reasons, supported by the findings of a cluster number of 3. This study stimulates the importance of discussing the other motives that have not been explored, such as the position of spirituality, so that they can be used as a consideration for building an effective marketing program, especially those related to targeting visitors in the future (segmentation) and its impact on increasing halal literacy.
Kepuasan Kerja Sebagai Variabel Interventing Dalam Pengaruh Kepemimpinan Islam Dan Religiusitas Terhadap Kinerja Karyawan
Authors: Damayanti Putri Ratna , Sutianingsih Sutianingsih
Published: March 2024

Tujuan penelitian ini adalah untuk mengetahui potensi kepemimpinan Islami, religiusitas, kinerja karyawan yang menjadi variabel dependen, dan kepuasan kerja sebagai faktor mediasi. Investigasi ini menggunakan teknik penelitian kuantitatif. Data dikumpulkan dari sampel sebanyak 69 pekerja dengan bantuan kuesioner. Metode yang digunakan untuk analisis data adalah analisis jalur dan analisis deskriptif. Hasil penelitian menunjukkan bahwa masing-masing variabel memiliki pengaruh yang positif, dibuktikan dengan: Pengaruh kepemimpinan Islami terhadap variabel yang berhubungan dengan kinerja karyawan sangat penting. Tingkat religiusitas berdampak pada kinerja pegawai. Tingkat kepuasan kerja yang dialami karyawan memiliki dampak yang signifikan terhadap kinerja mereka secara keseluruhan di tempat kerja. Menurut temuan penelitian ini, dampak tidak langsung lebih kuat dari dampak langsung. Akibatnya, kepuasan kerja digunakan sebagai variabel mediasi antara faktor-faktor yang terkait dengan kinerja karyawan dan variabel yang terkait dengan kepemimpinan dan religiusitas Islam.
Fluktuasi Entitas, Kontribusi Bruto, dan Investment Yield pada Densitas Masyarakat Indonesia dalam Menggunakan Asuransi Syariah Periode 2018-2022
Authors: Hanikah Sri
Published: March 2024

Penelitian ini bertujuan untuk menguji dan memberikan bukti empiris terkait hubungan fluktuasi Jumlah Entitas, Kontribusi Bruto, dan Investment Yield terhadap Densitas Asuransi Syariah di Indonesia. Jenis penelitian adalah kuantitatif asosiatif dengan menggunakan data sekunder dari laporan statistik IKNB Syariah melalui publikasi Otoritas Jasa Keuangan. Sampel penelitian berjumlah 20 data triwulanan dengan periode 2018-2022. Objek Penelitian pada perusahaan asuransi syariah di Indonesia. Teknik pengumpulan data melalui studi pustaka artikel jurnal, website resmi yang mendukung literatur penelitian secara tidak langsung. Metode analisis data menggunakan regresi linier berganda. Hasil penelitian menunjukkan secara parsial bahwa Jumlah Entitas berpengaruh negatif signifikan terhadap Densitas Asuransi Syariah, Kontribusi Bruto berpengaruh positif terhadap Densitas Asuransi Syariah, dan Investment Yield tidak berpengaruh negatif terhadap Densitas Asuransi Syariah. Sedangkan secara simultan variabel independen (Jumlah Entitas, Kontribusi Bruto, dan Investment Yield) berpengaruh signifikan terhadap Densitas Asuransi Syariah.
Minat Pedagang Menggunakan Kios Pasca Revitalisasi Pasar Lakessi Kota Parepare (Analisis Maslahah)
Authors: Al Ihfa Nurul Qisti
Published: March 2024

Pasar Lakessi merupakan pasar yang telah revitalisasi sesuai dengan Peraturan Menteri Perdagangan Republik Indonesia Penelitiann ini bertujuan untuk mengetahui minat pedagang menggunakan kios pasca revitalisasi pasar Kota Parepare. Penelitian ini menggunakan metode penelitian deskriptif kualitatif. Data primer diperoleh dari wawancara secara langsung dengan pengelola pasar yaitu UPTD Pasar Lakessi, pedagan dan pembeli. Hasil penelitian ini menunjukkan bahwa tanggapan yang diberikan oleh UPTD pasar tehadap penggunaan kios pasar yaitu hanya sedikit kios yang digunakan oleh pedagan untuk menjual barang dagangannya. Tanggapan yang diberikan oleh pedagang yang menggunakan kios menunjukkan bahwa kios yang digunakan bersih dan terlindungi serta tidak panas namun kurang pembeli, semetara itu tanggapan yang diberikan oleh pedagang yang tidak menggunakan kios yaitu mereka membangun kios sendiri dengan bahan apa adanya pada area parkir karena lebih banyak pembeli. Tanggapan yang diberikan penjual menunjukkan bahwa pengaruh harga dan kemudahan dalam berbelanja pada bagian area parkir mendorong mereka untuk membeli di area yang tidak diizinkan oleh pengelola pasar.Tinjauan maslahah menunjukkan bahwa manfaat yang diperoleh dari revitalisasi pasar sudah sesuai dengan syariah, selain pedagang memanfaatkan pasar dengan masuk akal dan manfaatnya berkaitan dengan orang banyak. Namun masalah ditemukan yaitu terjadi ketidakadilan pendapatan dan penggunaan kios yang mengakibatkan ketidaktertiban dalam menjual barang.
Perubahan Harga Dalam Transaksi Jual Beli Bawang Merah Perspektif Fiqih Jual Beli
Authors: Zainudin Muhammad
Published: March 2024

In Islam, buying and selling is an important aspect of the economic life of Muslims. The principles of buying and selling fiqh governing these transactions, such as honesty, fairness and agreement, serve as guidelines for Muslims in transactions. The aim of the research is to change the transaction price of shallots made by the ordering/buying party, which is viewed from the perspective of buying and selling jurisprudence. The research method used by researchers in this study is qualitative. This approach uses a descriptive analytical method, namely a method that functions to describe or give an overview of the object under study through data or samples and make conclusions that apply to the public. The results of this study indicate that the price changes made by the ordering/buyers menzholimi shallot traders or sellers by violating the fiqh of buying and selling and Islamic Shari'a. As mentioned in surah An-Nisa verse 29.
Analisis Pengaruh Perilaku Konsumtif Dan Tingkat Pendapatan Terhadap Online Shopping Pada E-Commerce Shopee Dalam Perspektif Ekonomi Islam
Authors: Marwiyah Siti Laelatul , Ainulyaqin MH , Edy Sarwo
Published: March 2024

The purpose of this study was to analyze the effect of consumptive behavior and income levels on student online shopping at Shopee e-commerce. This research uses quantitative methods. The total population in this study was 325 people. The sampling technique in this study was obtained using a purposive sampling method. Purposive sampling is a sampling technique with certain considerations. Based on purposive sampling, the respondents taken in this study were Active Students of FAI at Pelita Bangsa University who worked and had or often used Shopee e-commerce as a shopping medium, resulting in 80 samples by calculating the slovin formula. The data used in this study are primary data obtained by distributing questionnaires. Partial Least Square (PLS) with the help of the SmartPLS version 4.0 application is used as data analysis in this study through three stages of testing, namely: evaluation of the measurement model (outer model), evaluation of the structural model (inner model) and hypothesis testing. The results of the study show that consumptive behavior has a positive and significant effect on online shopping. Income level has a positive and significant effect on online shopping. Consumptive behavior and income levels simultaneously influence online shopping with an R-square value of 0.591 or 59.1% and an adjusted R-square of 0.581 or 58.1%.
The Relevance and Contribution of Al Ghazali's Thought in Islamic Business Ethics: An Overview
Authors: Suherli Ian Rakhamawan , Ridwan Ahmad Hasan , Kusuma Nurul Rahmah , Qarni Muhammad Al , Azzahro Naufi Fajria , Sutira Andri
Published: March 2024

Ethics in business, can be interpreted by learning about the difference between good and right with bad and wrong in the business environment based on moral values added to halal rules and then haram, then Islam interprets business ethics as a collection of ethical attitudes and behaviors of business that are based on religious teachings by prioritizing halal and haram first. General provisions in thinking, especially business ethics according to Islam which is a science contained in the Qur'an and Al Hadith, which needs to be used as the main reference by all Islamic business actors so that in carrying out activities not only oriented to get world prosperity but also obtain prosperity hereafter. Al Ghazali has conveyed the basic principles in an effort to obtain worldly wealth as well as the Hereafter, namely with the instructions he gave on how to behave in business, basically adapted to the guidance of Islamic teachings both the Qur'an and As Sunnah or Al Hadith.
Implementation Of Agreements In Multi Level Marketing (Mlm) Business Schemes Based On Sharia Principles
Authors: Nurjaman Muhamad Izazi , Rojikin Ikin , Pary Hulaiva , Hasim Syarif , Ayu Dena
Published: March 2024

Scholars have different opinions regarding MLM business schemes, some forbid and some for conditional permissibility. As for the juhur of contemporary scholars, many of them forbid it. However, the DSN-MUI through Fatwa Number 75 of 2009 allows MLM business schemes on condition that the implementation of a contract is in accordance with sharia principles. Therefore, this study will analyze the implementation of the contract in the MLM business scheme. This research includes sharia economic law research using a descriptive method of literature with a normative juridical approach using secondary data in the form of DSN-MUI Fatwas. This type of research is qualitative research with data analysis techniques, namely data reduction, data presentation and conclusions. The results of this study reveal that based on the substance of the DSN-MUI Fatwa Number 75 of 2009, MLM business schemes can use several contracts, namely murabaha, wakalah bi al-ujrah, ju'alah, ijarah and other contracts determined by DSN-MUI according to sharia principles, one of them is the Samsarah contract. However, the contract that is widely used in MLM business schemes is the ju'alah contract. Meanwhile, if you look at the MLM business scheme, which contains elements of intermediary services, services for selling products and recruiting new members which are part of the achievements that must be completed, then the appropriate contract is a hybrid contract between a samsarah contract and a ju'alah contract.
Pengaruh Litersi Keuangan Dan Literasi Digital Terhadap Keberlanjutan Bisnis Pelaku Umkm Berbasis Syariah
Authors: Maulana M. Indra , Suyono Eko
Published: March 2024

UMKM merupakan salah satu pondasi untuk pertumbuhan perekonomian suatu negara. Sehingga perlu dilakukan untuk mempertahankan bisnis yang dijalankan oleh UMKM. Tujuan penelitian ini sendiri adalah untuk menguji pengaruh literasi keuangan dan literasi digital terhadap keberlanjutan bisnis UMKM. Keberlanjutan Bisnis yang sangat penting untuk UMKM agar bisnis yang dijalankan terus berjalan dan berkembang, konsep berkenlanjutan dimana sebuah usaha tetap ada atau berjalan pada masa yang akan mendatang dapat diukur melalui pertumbuhan keuangan, pertumbuhan dari strategi dan pertumbuhan struktural UMKM. Untuk Literasi Keuangan di ukur melalui indikator perencanaanm analisis, dan kontrol keuangan, pembukuan, pemahaman akan sumber pendanaan serta terminologi bisnis. Sedangkan untuk literasi digital diukur melalui beberap indikator seperti informasi dan literasi data, komunikasi dan kolaborasi, keamanan, dan kemampuan menggunakan teknologi yang ada saat ini. Pengumpulan data didalam penelitian ini menggunakan kuesioner yang disebarkan menggunakan google form. Sampel yang mengisi kuesioner dalam penelitian ini berjumlah 100 Pemilik dan Pengelola UMKM. Analisis yang digunakan dalam penelitian ini. Sektor yang mendominasi adalah sektor Perdagangan, manufaktur, dan jasa. Analisis data menggunakan Model persamaan struktural berbasis partial least square. Hasil dari penelitian ini menunjukkan bahwa terdapat pengaruh yang signifikan antara literasi keuangan terhadap keberlanjutan UMKM dan literasi digital memiliki pengaruh terhadap keberlanjutan bisnis UMKM berbasis Syariah. Temuan dari penelitian ini ialah bahwa dengan pemahaman literasi keuangan dan literasi digital yang baik diharapkan pemilik ataupun pengelola UMKM akan mampu membuat keputusan keuangan, manajemen yang tepat dan mampu bersaing dengan bisnis-bisnis lain untuk keberlanjutan bisnis yang dijalankan.
Urgensi Pemberdayaan Tanah Wakaf Muhammadiyah Di Wilayah Bengkulu
Authors: Sawati Sawati , Amrizal Amrizal
Published: March 2024

This research method uses descriptive qualitative, collective data by conducting in-depth interviews with the chairman and deputy chairman of the Pimpinan Wilayah Muhammadiyah and leadership and deputy leadership of the Majelis Wakaf dan Kehartabendaan. Qualitative data analysis using the Nvivo12 Plus software. The results of the study prove that the management of waqf land assets in PWM Bengkulu, in general, has been going well starting in terms of planning, coordinating, implementation, and supervision even though there are obstacles that are encountered in the field, while in the context of monitoring the management of Muhammadiyah waqf asset,s it is supervised by each assembly concerned and an internal audit is also carried out by the MuhammadiyahCentral Leadership LPPK. Waqf land in the Muhammadiyah Bengkulu area has been used mostly for da'wah activities with facilities for building mosques, education consisting of Kindergarten Schools to Universities, the Health Sector byestablishing hospitals, the social sector planning for the establishment of a Jumpo Home and productive waqf in the form of leasing land and 3 shophouses. The problems or challenges faced by PWM Bengkulu in managing waqf assets are quite dynamic, among them there are still uncertified waqf asset lands.
Kontribusi Sektor Keuangan Syariah Terhadap Pertumbuhan Ekonomi di Indonesia
Authors: Diniyah Fellasufah
Published: March 2024

This paper aims to explain the relationship between the contribution of the financial sector which consists of the development of Islamic banks, the development of sukuk, the development of Islamic stocks, and the development of Islamic mutual funds to Indonesia's economic growth. This study uses quarterly time series data for the period between 2013Q1 – 2020Q4 and the analysis model used is the Vector Error Correlation Model (VECM) by carrying out unit root tests, cointegration tests, Granger causality tests, this study also uses the impulse Response Function, and Variance Decomposition. The results of this study indicate that the development of Islamic banking, the development of sukuk, the development of the Islamic stock market, and the development of Islamic mutual funds have a long-term influence on economic growth. while the development of the Islamic Banking and the development of the Islamic stock market have a short-term influence on economic growth. This research is expected to provide an overview of the condition of Islamic finance in Indonesia so that it can become a reference for relevant authorities in formulating or determining future policies for the development of Islamic finance.
Determinasi Kinerja UMKM Makanan dan Minuman Halal di Kab. Bekasi: Networking, Kompetensi SDM dan Teknologi Informasi Sebagai Predictor
Authors: Widyastuti Tri , Pitoyo Bayu Seno , Rianto Muhammad Richo , S Sufyati H , Sari Novita Syahidah , Putri Nanda Hanifah
Published: March 2024

Penelitian ini menganalisa pengaruh kerjasama, kompetensi SDM dan teknologi informasi terhadap kinerja UMKM yang dilakukan di Kabupaten Bekasi terhadap UMKM makanan dan minuman Halal yang ada di Kabupaten Bekasi. Penelitian ini menggunakan pendekatan metode kuantitatif dan pengolahan data menggunakan Smartpls. Sampel dalam penelitian ini berjumlah 110 pelaku UMKM makanan dan minuman Halal di Kabupaten Bekasi. Penelitian ini semakin memperkuat temuan dari penelitian sebelumnya dimana kerjasama berpengaruh terhadap kinerja UMKM dengan nilai p value sebesar 0,000 sehingga Hipotesis 1 pada penelitian ini diterima. Kompetensi SDM berpengaruh terhadap kinerja UMKM dengan nilai p- value sebesar 0,045 sehingga hipotesis 2 diterima dan Teknologi Informasi berpengaruh terhadap kinerja UMKM dengan nilai p value sebesar 0,000 dimana hipotesis 3 diterima. Penelitian ini memberikan kebaharuan dimana variabel yang digunakan mencakup lingkungan internal ( Kompetensi SDM dan Teknologi Informasi serta lingkungan eksternal (kerjasama). Selain itu objek penelitian ini sangat spesifik yaitu pelaku UMKM Makanan dan Minuman Halal di Kabupaten Bekasi.
Strategi Peningkatan Pembiayaan Multi Guna (PMG) Pada PT. Bank Sumut Unit Usaha Syariah
Authors: Harsono Muhammad , Soemitra Andri , Arif Muhammad
Published: March 2024

Improper financing management will cause many problems and will even cause the collapse of Islamic banks. In financing carried out by Islamic banking, there are bound to be many obstacles experienced, such as default constraints, problematic financing or other constraints, especially during the Covid 19 pandemic. To minimize the various obstacles faced earlier, of course, Islamic banking is required to have an accurate strategy to win market competition while minimizing the occurrence of problem financing. This study aims to analyze the strategy of PT. Bank Sumut Sharia Business Unit in increasing Multipurpose Financing (PMG). This research is a type of qualitative research. Obtained research results SWOT analysis results show that the company's position is in quadrant 1, namely supporting an aggressive strategy. This quadrant position is a very favorable situation, where the company has opportunities and strengths so that it can take advantage of existing opportunities. The strategy that must be applied in this condition is the SO (Strength - Opportunity) Strategy, which is a strategy that utilizes the company's internal strengths to take advantage of external opportunities. The S-O strategy is developed by combining strengths in the internal evaluation matrix and opportunity factors in the external evaluation matrix.
Pengaruh Literasi, Inklusif Keuangan Syariah dan Locus Of Control Terhadap Kinerja Keuangan dalam Meningkatkan Usaha Mikro Kecil dan Menengah (UMKM) di Kota Bandar Lampung
Authors: Krismadayanti Krismadayanti , Noviarita Heni , Iqbal Muhammad
Published: March 2024

There can be no doubt about the role of UMKM in developing the Indonesian economy. The potential of UMKM is an opportunity to develop markets and industry in Indonesia, especially in the real sector. However, in reality, opportunities for UMKM to develop are often experienced by the business actors themselves. This research aims to analyze whether there is an influence of Financial Literacy, Locus of Control Sharia Financial Inclusion on improving the financial performance of UMKM in Bandar Lampung City. The type of data used is primary data obtained from questionnaires or questionnaires of UMKM players in the city of Bandar Lampung which were analyzed using multiple linear regression with the help of the SPSS 21 program. The results of this research simultaneously show that financial literacy increases financial performance with a significance of 0.984, so more greater than 0.05 (0.984 > 0.05) so that the research data is normally distributed. Meanwhile, the partial test shows that financial literacy does not have an impact on improving the financial performance of MSMEs in Bandar Lampung City. Meanwhile, partially Sharia Financial Inclusion and Locus of Control have an effect on improving the financial performance of UMKM in Bandar Lampung City. The Adjusted coefficient of determination is 0.43.6 or 43.6%.
Strategi Implementasi Kebijakan Terhadap Tata Kelola Aset Syariah Tetap Pada Lembaga Badan Riset dan Inovasi Nasional (BRIN) di Jakarta
Authors: Gunawan Ari , Andriyani Andriyani
Published: March 2024

This study aims to be mode orderly in administration, orderly in securing fixed assets, to get to the best opinion with no records of audit findings from external parties, namely the BPK. This research uses a qualitative method with a case study approach that occurred at ex-BPPT institutions in 2019 and 2020. This qualitative research methods uses primary data obtained from interviews, observation, documentation and secondary data obtained from documents. The results of the research are the findings from the BPK regarding the management of fixed assets in the ex-BPPT institutions had not been effective due to limited Human Resources in managing fixed assets or State Property. Implementation support with a commitment from the top leadership of the Head of BRIN as outlined in the form of policies and implementation guidelines. Lack of officers managing state property, lack of coordination internally and externally, training and outreach need to be increased, policy outreach, system improvements and the absence of standard operating procedures (SOP), and if necessary rewards for officers managing assets or state property.
Implementation Of The Islamic Economic System Increasing Community Welfare Based On Maslahah In Indonesia
Authors: Hehanussa Umi kalsum
Published: March 2024

Abstract

Indonesia adalah negara dengan penduduk muslim terbesar di dunia namun masih sering dikaitkan dengan persoalan pengangguran dan kemiskinan. Ekonomi Islam telah memberikan solusi dalam setiap masalah yang ada selama kita berpegang kepada prinsip Al-qur’an dan Sunnah maka segala permasalahan yang terkait bidang sosial, hukum, terlebih dalam bidang ekonomi, akan terselesaikan. Tujuan utama dari sistem ekonomi Islam adalah untuk kesejahteraan umat yang berpedoman pada al-qur’an dan sunnah dan hal yang melandasi semua kegiatan atau transaksi yaitu untuk kemaslahatan masyarakat, sehingga terciptanya kehidupan yang seimbang. Dalam kehidupan masyarakat salah satu sektor yang paling penting yaitu sektor ekonomi, masyarakat biasanya akan berusaha menemukan cara terbaik dalam memenuhi kebutuhan ekonominya. Dintara aturan ekonomi Islam salah satunya adalah distribusi pendapatan atau pengelolaan harta kekayaan, yang berkaitan dengan kebutuhan orang lain maupun diri sendiri, karena diantara tujuan ekonomi Islam adalah seorang muslim harus memperhatikan maslahah daripada utilitas. Ekonomi Islam menekankan pada perilaku individu dan masyarakat yang konsisten terhadap orientasi maslahah, apabila sistem ekonomi Islam diterapkan maka dapat meningkatkan kesejahteraan berbasis maslahah. Yang didasarkan pada prinsip-prinsip yang menjamin keadilan, keberlangsungan lingkungan, dan kesejahteraan sosial. Hal ini dapat terwujud dengan adanya redistribusi kekayaan melalui zakat, infaq, dan sedekah serta menghindari praktik riba dan spekulasi.

Keywords : Sistem Ekonomi, Syariah, Maslahah
Persepsi Pelaku UMKM Terhadap Kepemilikan Sertifikasi Halal Untuk Meningkatkan Daya Saing Produk UMKM Madura
Authors: Qomariyah Nor
Published: March 2024

Halal certification will increase the competitiveness of micro small business (UMKM ) products, especially food and beverages, moreover there is a policy from related agencies that all food and beverage products must be halal certified. This study aims to determine the perceptions of halal certification in micro small business actors in the food and beverage sector in Bangkalan and Pamekasan Regencies and what are the factors that influence perceptions of these micro small business actors. The analytical method used in this study is a quantitative descriptive method using a Likert scale. The results of the study show that the average perceived value of UMKM actors ranges from 3.81 to 4.75, which is in the good category. While the factors that influence the perception of UMKM actors are awareness of the importance of halal certification by 55 percent, an increase in product quality which will affect price increases, the desire to increase the competitiveness of their products by 74 percent, the availability of adequate input sources by 51 percent of respondents. willing to provide halal input sources, and have consumers who are aware of the importance of halal products as much as 89 percent considering that the people of Bangkalan and Pameksan are predominantly Muslim.
Analisis Konsep Teori Produksi Dalam Perspektif Ibnu Khaldun Dan Abdul Manan
Authors: Hidayatullah Muhammad Haris
Published: March 2024

The theory of production is a way to achieve individual and group welfare according to the views of the two figures discussed in this study. This means that the role of production cannot be separated from or supported by the workforce and the organization or group itself. This study aims to find out what the thoughts of Ibnu Khaldun and Muhammad Abdul Manan are regarding the theory of production, especially in the aspects of labor and organization. This research was appointed because researchers so far have not found a comparison of the thoughts of the two figures. This research method uses literature review using primary and secondary data. The results of this study found that the similarity of this thinking is that Ibn Khaldun and Abdul Manan have a goal of achieving prosperity for society. The difference that is obtained is where it is related to labor and organizational issues here. Ibnu Khaldun in the three production groups, he always relates it to work specialization as well as in the intended organization, while Manan in the organization is more directed to how to establish an investment that is in accordance with Islamic law according to Islamic law. vision and mission of the organization.
Pendapatan dan Religiusitas Individu Muslim di Indonesia
Authors: Hawari Irsyad
Published: March 2024

Numerous studies have revealed a negative relationship between economics and religiosity, suggesting that an improvement in economic conditions can decrease an individual's religiosity. This assumption is based on the hypothesis of secularism, which posits that economic progress reduces religious adherence. The present study aims to examine the influence of economic variables, measured by individual income and daily working hours, on the religiosity of Muslim communities in Indonesia, as measured by participation in religious study groups (taklim) and prayer activities. A quantitative analysis using logistic regression is employed to explore the likelihood of individual religiosity levels when influenced by economic variables. Control variables in this study include age, proximity to Islamic traditions, level of adherence, place of residence, and Islamic education. The research findings indicate that income level does not significantly increase the likelihood of individuals engaging in prayer and taklim activities. Conversely, the number of daily working hours exhibits a negative relationship with prayer and taklim activities. The longer an individual works in a day, the higher the likelihood of abstaining from prayer and taklim activities.
The Effect of Islamic Marketing Mix towards Costumer Loyalty and Customer Satisfaction on Shopee Millennial Muslim
Authors: Syafi'i Moch , Mondir Mohamad , Zikwan M. , Anwar Zainul
Published: March 2024

The improvement of internet creates many e-commerce in Indonesia. E-commerce became a receptacle for millennial generation who want to buy goods and services online. In Indonesia, Shopee is e-commerce that has become market leader. Shopee is using Islamic marketing mix to maintain its position in Indonesian market. The purpose from this research is to analyze the influence of Islamic marketing mix (product, price, place, promotion, process, people and physical evidence) on customer loyalty towards customer satisfaction. This research is quantitative research. The sampling technique used is random sampling and convenience sampling. Skala Likert will be used for measuring the data collected. There are 159 samples from millennial Muslims in Jember for this research. The data that has been collected will be analyzed using path analysis. The result indicated that product, place, promotion, and people significantly affect customer satisfaction while price, process, and physical evidence are not significant. Product, promotion, and physical evidence also have substantial effects on customer loyalty while price, place, process, and people are not. Customer satisfaction also has no significant effect on customer loyalty. The result also shows that customers cannot mediate product, price, place, promotion, process, people, and physical evidence towards customer loyalty.
The Effectiveness Of Sharia Micro-Enterprise Capital Financing On The Development Of Msmes In Indonesia
Authors: Faizi Faizi , Sulthan Suci Yudhistira Sulthan Suci Yudhistira
Published: March 2024

The existence of micro, small, and medium-sized enterprises (MSMEs) is an important factor in society’s progress. It also plays an important role in Indonesia’s economic recovery process. MSMEs play an important role in the Indonesian economy because of the large number of industries in each economic sector. The purpose of this study is to analyze and determine the effectiveness of business capital financing on MSMEs development in BMT Bina Ummat Sejahtera (BUS) Pondok Gede. Testing the effectiveness of Islamic financial institution financing is important for measuring the extent to which disbursed financing is effective. The research method used was descriptive qualitative, using a case study approach. Data collection techniques included observation, interviews, and documentation to managers and members/customers BMT Bina Ummat Sejahtera (BUS) Pondok Gede. The results of this study show that the business capital financing scheme was implemented by Fatwa DSN-MUI No.07/DSN-MUI/IV/2000 on Mudharabah financing. The effectiveness of business capital financing distribution is measured using five main indicators: accuracy of targets, achievement of goals, program socialization, program monitoring, and financing procedures that have been running effectively and have a positive impact on the development of MSMEs assisted by BMT Bina Ummat Sejahtera (BUS) Pondok Gede.
Implementasi Corporate Social Responsibility (CSR) Perspektif Etika Bisnis Islam (Studi Perusahaan Kalla A Group Of Companies)
Authors: Harni harni Harni , Mustakim Mustakim
Published: March 2024

Corporate Social Responsibility (CSR) is interpreted as the company's commitment to participate in sustainable economic development in order to improve the quality of life and the environment that is beneficial, both for the company itself, the local community and society. Corporate social responsibility basically has a broad meaning, not limited to social responsibility towards employees and stakeholders, but social responsibility towards the environment, the surrounding community and the general public. The purpose of this research is to find out how the implementation of Corporate Social Responsibility (CSR) in Kalla A Group of Companies in the Perspective of Islamic Business Ethics. This type of research is a type of qualitative research, with data sources using Secondary Data, namely collecting data indirectly through the Company's official website, books, journals, articles, and previous studies. The results of the study show that the implementation of CSR for Kalla A Group of Companies does not yet cover the health sector, but includes education, social, Islamic community development and the economy. Furthermore, the implementation of CSR in Kalla A Group of Companies is in accordance with Islamic Business Ethics, because in implementing CSR the Company has implemented 10 Principles of Islamic Business Ethics.
Pembiayaan Dan Keuangan Syariah: Menopang UMKM Dalam Fase Pemulihan Perekonomian (Economic Recovery) Indonesia
Authors: Khairunnisa Dini Anggreini , Nofrianto Nofrianto
Published: March 2024

Setelah mengalami kontraksi ekonomi akibat pandemi COVID-19, Indonesia memasuki fase pemulihan ekonomi yang menandai era baru. Dalam upaya pemulihan tersebut, sektor UMKM menjadi salah satu pilar utama dalam perekonomian, berperan sebagai penopang bagi pelaku ekonomi serta memberikan perlindungan. UMKM dapat dianggap sebagai penggerak utama dalam pemulihan ekonomi nasional setelah mengalami krisis, karena memiliki kemampuan untuk bergerak lebih cepat, responsif, dan adaptif terhadap situasi yang ada. UMKM di Indonesia memiliki peran sosial yang penting sebagai penyedia jaring pengaman, terutama bagi masyarakat dengan tingkat pendapatan rendah, sehingga memungkinkan mereka terlibat dalam kegiatan ekonomi produktif di sektor riil. Selama masa pemulihan ini, investasi dan modal bantuan menjadi sangat penting bagi UMKM agar dapat terus beroperasi. Oleh karena itu, banyak UMKM yang mengandalkan pembiayaan dari lembaga perbankan guna mendorong pertumbuhan usahanya. Keuangan dan pembiayaan syariah hadir sebagai solusi untuk mendukung kegiatan ekonomi UMKM yang mungkin tidak bisa dijangkau oleh bank konvensional yang cenderung memberikan pinjaman kepada perusahaan besar dan menerapkan bunga. Penelitian ini menggunakan dokumentasi kepustakaan atau sumber bacaan sebagai sumber data yang dikumpulkan. Hasil penelitian menunjukkan bahwa pembiayaan dan keuangan syariah dapat mendukung pemulihan ekonomi nasional dan menjadi solusi bagi pelaku UMKM dalam mengatasi dampak ekonomi akibat kontraksi ekonomi. Salah satu jenis pembiayaan yang dapat mendorong pertumbuhan ekonomi UMKM adalah pembiayaan mudharabah. Pembiayaan dengan akad mudharabah dapat meningkatkan ekosistem wirausaha, memberdayakan UMKM secara produktif di Indonesia, mewujudkan distribusi pendapatan yang adil, serta menstabilkan modal bagi pelaku UMKM.
Implementasi Islamic Wealth Management Dalam Mengembangkan UMKM (Studi Kasus Seblak Prasmanan Manggung Gajah Mojokerto)
Authors: Nurmaulida Regita Okti , Mustofa Mustofa
Published: March 2024

MSMEs are one of the drivers of the economy in Indonesia. In its implementation, there are still many factors that cause MSMEs to still be able to develop as expected. Among them are constraints regarding the knowledge possessed by business managers, as well as related to their ability to manage their finances or business income. This research uses qualitative methods by combining field research and literature research. This study aims to examine the importance of managing wealth in MSMEs from a sharia perspective and to examine how Seblak Buffet Manggung Gajah Mojokerto implements Islamic Wealth Management in its business. The results of the research are in accordance with the stages in Islamic Wealth Management applied to MSMEs Seblak Buffet Manggung Gajah starting from the acquisition or creation of wealth, increasing wealth, protecting wealth, refining wealth and distributing wealth.
Customer Loyalty To The Sharia Microfinance Institution In Indonesia
Authors: Shodiq Abdullah
Published: March 2024

Various studies have identified the correlates of customer loyalty including satisfaction, trust, commitment, involvement, perceived cost, and service quality. This paper aims to describe customer loyalty to the Sharia microfinance institution in Indonesia. The main question developed was whether the customers of this institution have similar drives in maintaining their loyalty in using its services. The study uses qualitative method with a phenomenological approach and descriptive analysis. Data were collected from a series of interviews and focus group discussions with the management and the customers of Bayt al Mal wa al Tamwil Maslahah (BMTM) Sidogiri Pasuruan Indonesia. The study found that customer loyalty to BMTM Sidogiri was characterized by a positive response to and the utilization of products. The positive attitude towards BMTM products was based on the motives of meeting daily needs, business development and the acceptance of sharia values in the form of blessing and economic justice when using the products. In addition, the customer loyalty to BMTM Sidogiri was driven by emotional connection among the alumni of Sidogiri pesantren even though there is no structural connection between BMTM and Sidogiri pesantren. In maintaining its customer loyalty, the BMTM Sidogiri attempts to bring its services closer to the community, opens BMTM branches in other cities and adds new counters to ease customer transaction services. This study suggests that the customer loyalty to the Islamic financial institution is determined by a combination of shariah values acceptance and the fulfilment of daily need as well as business development