bluuebunny/crossref_metadata_2025 huggingface dataset:
Tinjauan Sistem Akad Dalam Program Ojo Percoyo Rentenir (Ojir) Baznas Kota Malang
Authors: Basori Ahmad
Published: March 2024

The rise of renternir practices with various facilities makes people in need interested in using their services. The existence program of the Ojo Percoyo Renternir (OJIR) as an effort to eradicate renternir from the Malang city government in collaboration with BAZNAS Malang City and BPR Tugu Artha Sejahtera. OJIR provides interest-free loan services to Mustahik / UMKM, which is actually the cost is the distribution of zakat infaq and shadaqah funds that are calculated to be msutahik and paid in the form of subsidies. So that the OJIR Program looks to have applied the concept of sharia. This research was conducted to reveal a review of sharia agreements used in the OJIR program. In the study using qualitative methods that are descriptive, historical, expolarative and in-depth to the recipients of OJIR and BAZNAS Malang City as subjects studied. From the results of boxing it was revealed that the OJIR Program leads to Qard al-Hasan because it meets the criteria of his contract. And it does not lead to a Kafalah contract because it has a mismatch with its contract.
Pendidikan Dan Pelatihan Sumber Daya Insani Pada Koperasi Simpan Pinjam Dan Pembiayaan Syariah (Kspps) Simpul Berkah Sinergi Kota Gresik
Authors: Chusniah Dita Nur Amaliatul , Raharjo Danang Purbo , Nurhayati Nurhayati
Published: March 2024

Quality of Human Resources affects the development of an organization or company. Its development is supported by adequate education and training for SDI. Education and training are a place for a company to convey the message, goals, vision, and mission to be targeted. The achievement of the relay of knowledge that can be assessed from the evaluation of education and training consists of several aspects such as Reaction, Learning, Behavior, and output. This research uses descriptive qualitative method to build views and describe the research subject in theory and concept. The results of this article research that the implementation of education and training provided by EOA Club as a trainer (KSPPS) Simpul Blessings Synergy received positive reactions from students who can receive learning in accordance with company goals seen from performance, behavior, vision, mission to mindset and spirit at work.
Pengaruh Pembiyaan Murabahah, Mudharabah, Musyarakah dan Istishna terhadap Profitabilitas Bank Syariah di Indonesia dan Malaysia
Authors: Niam Zulfatun , Wardana Guntur Kusuma
Published: March 2024

This study aims to examine and analyze the effect of murabahah, mudharabah, musyarakah and istishna financing on the profitability of Islamic Commercial Banks in Indonesia and Malaysia. This study uses quantitative research methods with an associative approach. The data used is in the form of annual reports of Islamic Commercial Banks from the 2013-2020 period. The samples used were 6 Islamic banks which were taken by purposive sampling from 30 Islamic Commercial Banks in Indonesia and Malaysia. The data analysis technique used is multiple linear regression with a fixed effect model, which is operated with the Eviews 9.0 application. The results showed that partially murabahah and mudharabah financing had a significant effect on profitability, while musyarakah and istishna financing did not have a significant effect on profitability. Simultaneously the financing of murabahah, mudharabah, musyarakah and istishna has a significant effect on profitability.
Zakat, Infaq, And Shodaqoh Based on A Normative, and Contextual Approach
Authors: Panggiarti Endang Kartini
Published: March 2024

This research aims to examine more deeply about zakat, infaq, and shodaqoh (ZIS) as the main supporters of financing for MSMEs. Several studies that examine the role of Baznas in each region have similarities that Baznas has a program to distribute zakat, infaq, and shodagoh well for the poor and needy. This is in accordance with Baznas' role as a collection and distributor of ZIS. But baznas work program activities have similarities with local government work programs, especially in terms of strengthening MSMEs. Baznas and local government activities have also not been carried out in synergy. They have the same object that is MSMEs, but still perform partial activities. In conclusion from this study. Baznas has a work program to strengthen the poor and needy and choose at a productive age. They are given working capital, given coaching and mentoring. But this activity has similarities with the work program of the local government. The recommendation of this study is that there should be synergy of Baznas work program and local government, so that the goal of strengthening the economy of MSMEs from poor communities can be completed through ZIS funds and local government APBD budgets.
Firms’ value determinants: evidence from Jakarta Islamic Index (JII)
Authors: Faradita Septila , Mubarak Zaki
Published: March 2024

Several factors, including the debt-to-equity ratio (DER), liquidity, firm size, and profitability, are believed to be capable of influencing the value of a company. However, the results of prior research indicate that there is a gap in knowledge. This study aims to investigate the impact of DER, current ratio (CR) and quick ratio (QR), firm size, the return of assets (ROA) and the return of equity (ROE) on the value of companies as measured by Tobin's q. The research employed a quantitative approach, including secondary data gathered from the Indonesia Stock Exchange's official website. Multiple regression is the type of analysis employed. The sampling strategy employs the purposive sampling method, with 22 sample companies selected from a population of 47 companies. This study was conducted on JII listed firms between 2017 and 2020. The results suggested that the DER, liquidity, company size, and profitability all had simultaneous effects on the value of the company, as evidenced by a significance value of 0.000 and a F value of 85.035. The significance value is greater than 0.05, indicating that DER, current ratio, quick ratio, company size, and ROA have no effect on the company's value. In the meantime, the ROE variable has a marginal impact on the value of the company, with a significance value of 0.000
Pengaruh Pembiayaan Syariah Dan Net Ekspor Terhadap Produk Domestik Bruto Periode 2010-2020
Authors: Ridho Dewinta Illinia
Published: March 2024

This study aims to determine the effect of Islamic financing and net exports on Gross Domestic Product. The method used in this study is multiple regression, with the dependent variable being Gross Domestic Product, while the independent variables are Islamic financing and net exports. The data used is quarterly time series data from 2010 to 2020. Method of analyze used in this research is linier regression data time series with Ordinary Least Square method and using Eviews 9. This study are secondary data obtained from World Bank, Otoritas Jasa Keuangan (OJK), Badan Pusat Statistik (BPS). The results show that Islamic financing has a significant positive effect on Gross Domestic Product, and net exports have a non-significant positive effect on Gross Domestic Product. The joint test shows that Islamic financing and net exports have a significant effect on Gross Domestic Product.
Analisis Pengaruh GDP, Inflasi, CAR, Dan NPF Terhadap Profitabilitas Perbankan Syariah Di Indonesia
Authors: Nasution Salman , Silalahi Purnama Ramadani , Khairunnisa Anita
Published: March 2024

This study analyzes the independence of the variables that affect the profitability of Islamic banking, such as Gross Domestic Product (GDP), Inflation, Capital Adequacy Ratio (CAR), and Non-Performing Financing (NPF). This study uses secondary data in time series with samples from January 2015 to August 2021 in Indonesia and applies a quantitative approach with the method Vector Error Correction Model (VECM). This study found that in the long term GDP and inflation variables have a positive and significant effect on the profitability of Islamic banking in Indonesia, while the CAR and NPF variables do not affect the profitability of Islamic banking in Indonesia. In the short term, the NPF variable affects the GDP variable and the ROA variable affects the inflation variable. Based on the results of this study, shows that macroeconomic variables play an important role in the development of Islamic banking profitability in Indonesia. This study suggests that to increase the profitability of Islamic banking in Indonesia. Islamic banking needs to pay attention to the influence of macroeconomic variables and the management of Islamic banking operational performance.
Analisis Islami Pemanfaatan Sumberdaya Air Dan Lahan Serta Kesejahteraan Keluarga Petani Di Kecamatan Lingsar Kabupaten Lombok Barat
Authors: Huzaini Moh.
Published: March 2024

This studi aims to determine and analyze farmers’ behavior regarding using water and land resources as well as their welfare viewed from Islamic economics and ecology perspective. This study employed a qualitative approach. This study was conducted in Ligsar West Lombok, using the researcher himself as the main instrument. The data where collected through participatory observation and in-depth interviews documented in the form of voice recordings, video recordings, and photographs. The participants were chosen using purposive and snowball. The stages of data analysis include reduction, displaying the data, and drawing conclusions. Th study found that most farmer are not frugl in using water because the assume water is available excessively in their neighborhood. Additionally, most farmers continuously plant similar crops, i.e. rice, on their land. They do it to maximize the use of their land. Moreover, most farmers burn straws after harvesting and clean the spray tanks and pesticide residues in the waterways, negatively impacting water quality and aquatic biota. In terms of welfare, it was found the most farmers are are not prosperous because the cannot fulfill their dharuriyyat needs (hifz-aql).On the other hand, the farmers live a good life (hayaatun tayyibah), as mentioned in the qur’an, an-Nahl (16:97), and the are qana’ah even though the live in simplicity.
Etika Konsumsi dalam Perspektif Maqāṣid Al-Sharī’ah
Authors: Waluya Atep Hendang , Arifin Sirajul , Yasid Abu , Ritonga Iskandar
Published: March 2024

The purpose of this study is to find out how consumption ethics in Islam are based on the review of maqashid sharia. The method used in this paper is the library method. Based on the results of the study note that ethics in Islam is part of maqashid sharia. The consumption ethics in Islam is no israf and tabdhir, don’t eat food that is forbidden by Allah SWT. The purpose of don’t allowing Israf and tabdzir, don’t eat food and drink that is forbidden, is an effort to safeguard the human soul and reason.
Peran Santripreneur Pondok Pesantren Edi Mancoro terhadap Kemandirian Pesantren dan Masyarakat
Authors: Sriani Endang
Published: March 2024

Ekonomi pesantren mendapatkan sorotan dari berbagai pihak, terutama tentang banyaknya anggapan bahwa pesantren adalah Lembaga pendidikan tradisional yang jauh dari model Pendidikan modern termasuk kewirausahaan. Oleh karena itu, penelitian ini bertujuan untuk mengetahui bagaimana model santripreneur di Pondok Pesantren Edi Mancoro serta perannya terhadap kemandirian pesantren dan masyarakat. Penelitian ini merupakan penelitian lapangan dengan pendekatan empiris. Data dalam penelitian ini diperoleh melalui observasi, dokumentasi dan wawancara terkait santripreneur di Ponpes Edi Mancoro kemudian dianalisa dengan metode alir miles dan Huberman yang meliputi reduksi data, display dan penarikan kesimpulan. Dari hasil pennelitian dapat disimpulkan bahwa, di Pesantren Edi Mancoro telah menerapkan Pendidikan semi modern salah satunya adalah santripreneur. Model santripreneur di Pesantren Edi Mancoro adalah melalui pemberdayaan ekonomi santri dan masyarakat di sekitar pesantren. Dengan adanya santripreneur di Edi Mancoro, beberapa usaha pesantren dikelola oleh santri dan masyarakat sekitar pesantren sehingga dapat membantu mengurangi pengangguran dan memberikan pemasukan untuk santri maupun masyarakat di sekitar pesantren.
Analisis Pengaruh Dana ZIS (Zakat, Infak, Sedekah), Pertumbuhan Ekonomi, Angka Harapan Hidup, Rata-Rata Lama Sekolah, Dan Pengeluaran Perkapita Terhadap Tingkat Kemiskinan Di Indonesia Periode 2010-2021
Authors: Wulandari Ismi , Nugraha Pratama Abdul Aziz
Published: March 2024

This study was conducted to find out how the influence of ZIS, economic growth, life expectancy, average length of schooling, and per capita expenditure on poverty levels in Indonesia for the period 2010-2021. This study uses secondary data in the form of time series. The data collection method was carried out by taking data from the documentation of the relevant institutions, namely the Indonesian Central Statistics Agency (BPS) and BAZNAS. The data obtained were then processed using the tools of eviews 10. In this study, a purposive sampling technique was used, namely the selection of a group of subjects based on certain characteristics that were seen to be related to the population used in the study. The sample used includes ZIS (Zakat, Infak, Alms), economic growth, life expectancy, average length of schooling, per capita expenditure, and poverty level. The analysis technique used is stationary test, classical assumption test, multiple linear regression, and hypothesis testing. The results of this study indicate that Zakat, Infaq and Alms (ZIS) have an insignificant negative effect on poverty. Economic growth has no significant positive effect on poverty. Life expectancy has a significant negative effect on poverty in Indonesia. The average length of schooling has a significant positive effect on poverty levels. Per capita expenditure has a significant negative effect on poverty levels. The independent variable simultaneously has a significant effect on the dependent variable.
Pengaruh DPK, NPF, FDR, CAR dan ROA terhadap Manajemen Likuiditas dalam Perbankan Syariah
Authors: Safitriani Dewi Utari
Published: March 2024

This study aims to explain the influence of Third Party Funds (DPK), NonPerforming Financing (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR) and Return on Assets (ROA) on the risk of liquidity management at Bank Muamalat Indonesia, BNIS, BSM, and Mega Syariah banks in Indonesia. This research uses quantitative methods using secondary data obtained based on quarterly financial statements in the 2014-2018 period. The amount used is 80 data. Data collection techniques using the 2014-2018 quarterly financial statement documentation whose samples were Muamalat Indonesia bank, BNIS, BSM and Mega Syariah bank for sampling techniques using purposive sampling. Based on the research results obtained, shows that Non-Performing Financing (NPF) has a significant effect on liquidity risk, Financing to Deposit Ratio (FDR) has a significant effect on liquidity risk, Third Party Funds (DPK) does not have a significant effect on liquidity risk, Capital Adequacy Ratio ( CAR) does not have a significant effect on liquidity risk, Return on Assets (ROA) has no significant effect on liquidity risk.
Perkembangan Industry Halal di Kawasan Asia Tenggara Ditinjau Dari Publikasi Ilmiah Pada Scopus.id: Analisis Bibliometrik
Authors: Febriani Fidzri Nur , Maika Muhammad Ruslianor
Published: March 2024

This study aims to determine the development of the halal industry in the context of scientific publications. Researchers used quantitative methods with bibliometric analysis. This research was conducted by searching through the Scopus database and using the keyword "Halal Industry" with the categories of Article Title, Abstract, and Keyword. Then the search results are exported in BibTex format which are analyzed using the R – Packages software application and the biblioshiny web interface. The results of the study obtained 457 scientific papers with a time span of 2006 – 2022 with restrictions in the Southeast Asia region and by using two types of documents, namely articles and conference papers. The results of the analysis show that the halal industry in the context of scientific publications in the Southeast Asian region has been quite developed as evidenced by the many publications of halal industry documents and scientific publications regarding the halal industry in countries with a majority population. are non-Muslims.
Pengaruh Penggunaan Shopee Paylatter Terhadap Perilaku Konsumtif Mahasiswa Muslim
Authors: Julita Elpa , B Idwal , Yustati Herlina
Published: March 2024

The purpose of this study is first, to determine the use of shopee paylater among Muslim students of the Faculty of Economics and Islamic Business UIN Fatmawati Sukarno Bengkulu. Second, knowing the consumptive behavior of Muslim students of the Faculty of Economics and Islamic Business UIN Fatmawati Sukarno Bengkulu. Third, knowing the effect of the use of shopee paylater on the consumptive behavior of Muslim students of the Faculty of Economics and Islamic Business UIN Fatmawati Sukarno Bengkulu. This research is an associative quantitative study, namely research that explains the effect of using shopee paylater on the consumptive behavior of Muslim students, Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno, Bengkulu. Based on the results of the study, it was concluded that the effect of the use of shopee paylater on the consumptive behavior of Muslim students, Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno, Bengkulu. The results of hypothesis testing obtained a significant number of 0.062. This shows that there is a significant relationship in testing this hypothesis because the significance number is > 0.05 so that Ha which states that the use of ShopeepayLater has a positive effect on the Consumptive Behavior of Islamic Economics Students, Faculty of FEBI, is accepted and H0 is rejected, meaning it cannot influence the use of Shopeepaylater (X) on behavior. Muslim student consumptive (Y).
Peran Strategis Kewirausahaan dalam Pembangunan (Tinjauan Pendekatan Ekonomi Islam)
Authors: Mulyani Sri , Asnawi Nur
Published: March 2024

Entrepreneurship has a strategic role including the economic development of a country as measured by Gross Domestic Product (GDP). The purpose of this study is to analyze in depth the strategic role of entrepreneurship in development which is reviewed in an Islamic economic approach. Qualitative research methods used in this study with a descriptive analysis approach. The data collection technique is carried out in a documented manner using Gross Domestic Product (GDP) data for the 2018-2021 period which is sourced from published data from the Central Statistics Agency (BPS). The step in data analysis is carried out by comparing the role of entrepreneurship in development in other countries such as America, China, India, England, South Korea, France, Africa and Colombia with the role of entrepreneurship in Indonesia for later analysis. depth which can then be concluded. The results show that the role of entrepreneurship in Indonesia is able to contribute to GDP up to 60%-61%. Whereas in the Islamic economic approach, entrepreneurship is seen as not only aiming to gain profit, but it contains the values of ta'awun to create jobs, reduce unemployment and alleviate poverty through activities to prosper the earth with innovation and creation with the aim of achieving falah and mashlahah.
Fiqih Muamalah Uang dan Lembaga Keuangan: Studi Literatur
Authors: Inayah Nurul , Soemitra Andri
Published: March 2024

Humans cannot fulfill their needs only by their own efforts. There are times when you need things that are owned or managed by someone else. So to facilitate the exchange system required money. While institutions related to money are financial institutions. This research is a literature study on fiqh muamalah money and financial institutions, so that it can be seen what discussions have been researched and discussions that need to be researched. This study uses a qualitative approach. There are 30 articles published in 2021 to 2022 which are grouped into two main topics, namely the topic of money and the topic of financial institutions. The topic of discussion of money is then grouped into three sub-topics, namely: 1) dinar dirham, 2) the use of E-Money, and 3) virtual currency (cryptocurrency). And the topic of discussion of financial institutions is also grouped into three sub-topics, namely: 1) implementation of contracts at financial institutions, 2) management of financial institutions, and 3) supervision of financial institutions. The topic of financial institutions with sub-topics of contract implementation at financial institutions is the most articles with a 33.4% presentation. While the articles that were the least discussed were the dinar and dirham sub-topics on the topic of money, with a presentation of 3.3% of the overall theme of money and financial institutions. Discussions that need to be researched, such as: the law of buying and selling currency in Islam, the exchange rate in the perspective of Islamic economics, monetary in the view of Islam and the relationship between money and financial institutions in fiqh muamalah.
Analisis Pengaruh Tingkat Religiusitas, Tingkat Pendapatan dan Tingkat Pendidikan Terhadap Perilaku Konsumsi Masyarakat Muslim Kota Medan
Authors: Yahya Riki , Harahap Isnaini , Nawawi Zuhrinal M.
Published: March 2024

This study aims to analyze the effect of the level of religiosity, income level and education level on the consumption behavior of the Muslim community in Medan City. This research is quantitative research. The population in this study were all Muslims in the city of Medan. By using purposive sampling technique, a sample of 105 respondents was taken. The data analysis technique used is the t-test and F-test. The results show that partially the level of religiosity has a positive and significant effect on the consumption behavior of the Muslim community in Medan city with a significance value of 0.016 < level of significant 0.05, partially income level has an effect positive and significant impact on the consumption behavior of the Muslim community in Medan City with a significance value of 0.018 < level of significant 0.05, and the level of education partially has a positive and significant effect on the consumption behavior of the Muslim community in Medan City with a significance value of 0.040 < level of significant 0, 05. The level of religiosity, income level and education level simultaneously have a positive and significant effect on the consumption behavior of the Muslim community in Medan City by 60.50% while the remaining 39.50% is explained by other variables not included in this research model.
Kontribusi Pembiayan Mikro dan Pembiayaan Implan Terhadap Laba Bersih Bank Syariah Indonesia (BSI) Cabang Kalianda Era Covid-19
Authors: Setia Rela , Ridwansyah Ridwansyah , Anggraeni Erike
Published: March 2024

The Covid-19 pandemic has had an impact on the social and economic dimensions, including the very limited activities Sharia Bank of Indonesia (BSI) Kalianda Branch was faced with a number of challenges in the midst of the Covid-19 outbreak where the net profit earned by Sharia Bank of Indonesia (BSI) Kalianda Branch fluctuated during the Covid-19 period. Net profit is an important indicator in measuring the success of Islamic banks because the increase in profits obtained shows that the management has succeeded in managing the company's resources effectively and efficiently. The amount of income in the net profit Sharia Bank of Indonesia (BSI) Kalianda Branch received was obtained from financing contributions distributed to customers such as micro financing and implant financing. This research includes quantitative research with an associative approach. The data used uses secondary data from the financial statements Sharia Bank of Indonesia (BSI) Kalianda Branch in the Covid-19 era for the period February 2021 - January 2022 which was then tested using the statistical tool Eviews Version 9. This study was conducted with the aim of looking at the contribution of microfinance and implant financing. to the net profit Sharia Bank of Indonesia (BSI) Kalianda Branch during the covid-19 era. The results showed that microfinance contributed to the net profit Sharia Bank of Indonesia (BSI) Kalianda Branch in the covid-19 era, this was due to the increasing number of microfinance distributions in the form of financing for Micro, Small and Medium Enterprises (MSMEs) by Sharia Bank of Indonesia (BSI) Kalianda Branch will also increase the additional income or income of Islamic banks from the profit sharing system that is implemented. Then implant financing has contributed to the net profit Sharia Bank of Indonesia (BSI) Kalianda Branch in the covid-19 era, this is because implant financing is the most dominant financing and is of interest to customers Sharia Bank of Indonesia (BSI) Kalianda Branch where users of funds from implant financing used to meet consumption needs such as food, drinks, clothing and in the form of services, such as basic education and others.
Menilai Kepuasan Pelanggan di Kawasan Sentra Kuliner Halal Untuk Pengembangan UMKM di Wisata Syariah Loang Baloq
Authors: Nur’aini Nur’aini
Published: March 2024

Loang Baloq's tomb is located in Tanjung Karang sub-district, Sekarbela sub-district, Mataram City is one of the religious tourism objects that is crowded with tourists, both foreign and local. and (2) to find out the development of MSMEs as a determinant of customer satisfaction for halal culinary in the Loong Baloq tourist area and the purposive sampling method with data collection techniques using interviews, observations as well as secondary data in the form of documents. Triangulation of data sources is done by comparing data from interviews. with related document data and compare the results of observation of the required documentation data with data from interviews with research subjects. and by using a qualitative design so that researchers can observe the implementation of buying and selling transactions and find out what factors affect customer satisfaction at the Loang Baloq Halal Culinary Center. Qualitative research has six characteristics, namely: (1). Pay attention to context and situation (concern of context); (2). Scientific background (natural setting); (3). Humans as the main instrument (Human Instrument); (4) descriptive data (descriptive data); (5). The research design appears simultaneously with the observation (emergent design); (6). Inductive analysis of data (inductive analysis). The results to be achieved in this study are so that customers get satisfaction with halal culinary offerings in the style of sharia tourism located around the Loang Beam location and can develop in developing small and medium businesses in the halal culinary field in the Loang area. Baloq in addition, so that the results of the study can be used as a reference for similar research in the future. The conclusions of this study (1) are that every customer gets satisfaction from every MSME that provides halal culinary services, not mixed with haram in the Loong tourist area. balog (2) so that every customer gets an image of a hygienic taste in the dish as well as in the eyes of the sharia tourist area.
Pandangan Ekonomi Islam
Authors: Fulanah Fulan
Published: March 2024

Pandangan Ekonomi Islam XXX
Model Pengembangan Usaha Mikro Industri Pakaian Jadi (Konveksi) Pada Era Pandemic Disease (Covid-19) Di Kota Bukittinggi dalam Perspektif Ekonomi Syariah
Authors: Adella Sinky , Rusyaida Rusyaida , Sari Khalila Husna , Sari Oktri Lola , Sholihin Anwar
Published: March 2024

The Covid-19 pandemic has an impact not only on the health aspect but also on the business aspect. To prevent the spread of Covid-19, the government issued a policy of limiting community activities that impacted almost all sectors of life, as well as the micro-enterprises of the city of Bukittinggi in the convection sector as one of the economic sectors affected by this pandemic. In order to survive, convection micro business actors must be able to create a development model from the strategies that have been carried out on micro business development.The main issue that the authors study in the research in this thesis is how the micro-enterprise development model in improving the economy of the City of Bukittinggi in the pandemic era and how the review from a sharia economic point of view of the strategy for the survival of micro-enterprises in improving the economy in the Covid-19 pandemic era. while the general objective to be achieved in the research is to find out the development model used by convection micro business actors so that they can survive in the midst of a pandemic from a sharia economic point of view.This research is a qualitative field research. By using primary data and secondary data. The analytical method used is a descriptive approach, namely identifying various problems faced by convection micro-enterprises and analyzing them using SWOT/TOWS (IFE and EFE) analysis. TOWS Matrix Analysis, SWOT Weight Table. then formulate strategies to overcome them. The data collection methods in this study were observation, FGD (Forum Group Discussion), interviews and documentation. The sample method uses snowball sampling.The results of the study found that the convection micro business development model during the Covid-19 pandemic in the city of Bukittinggi was based on a SWOT analysis and the strategies used were 1) utilizing e-commerce sales, 2) producing new convection products to be innovated, and 3) producing convection processed products that much needed during the Covid-19 pandemic such as masks. While from a sharia economic point of view, in general they have tried to apply sharia economic principles, but they are still not fully implemented by convection micro business actors such as honesty, responsibility and trust in payment of wages.
Pengaruh DPK dan Pembiayaan Terhadap Laba Operasional Pada Bank Mega Syariah Periode Tahun 2017-2021
Authors: Dimawan Amelia Eka , Maika M. Ruslianor
Published: March 2024

One of the important operational segments in Islamic Banks includes Third Party Funds and Financing. These two segments are continuous activities. The function of these two segments is as an effort to earn profit in Islamic banks. This study aims to determine how much influence third party funds and financing have on operational profit of Bank Mega Syariah in the period 2017-2021, using a quantitative approach method and using secondary data in the form of monthly financial statements of Bank Mega Syariah in the period mentioned. The results of this study state that third party funds and financing have a significant effect on operational profit of Bank Mega Syariah either partially or simultaneously.
Pengaruh Total Aset dan DPK Terhadap Pembiayaan Bank Mega Syariah Periode Tahun 2017-2021
Authors: Silviyah Nur Manna , Maika M. Ruslianor
Published: March 2024

Total assets, Third Party Funds (TPF) and Financing are indicators of bank size, where the size of total assets and third party funds will affect the distribution of funds to the public. This study uses descriptive quantitative research methods using secondary data taken from the Monthly Financial Statements at Bank Mega Syariah Period 2017-2021 which have been audited and published in general. This study aims to determine and analyze the effect of Total Assets and Third Party Funds on financing in Bank Mega Syariah in 2017-2021. The analysis used in this study is classical assumptions and hypothesis testing with linear regression analysis. Total assets as a variable (X1), Third Party Funds as a variable (X2) and financing as a variable (Y). The results of this analysis use a significant level of = 0.05. Based on the T-test, the significant value on total assets is 0.000 0.05, which means that TPF has no significant effect on financing. Meanwhile, the F-test analysis shows that the significant value is 0.000
RGEC: Analisis Tingkat Kesehatan Bank BCA Syariah Sebelum dan Selama Pandemi Covid-19
Authors: Kondirin Kondirin
Published: March 2024

This study aims to determine the health level of Bank BCA Syariah using the RGEC measurement method before and during the Covid-19 pandemic. The assessment factor in the RGEC method is the Risk Profile using credit risk (NPF ratio) and liquidity risk (FDR ratio), Earnings (ROA ratio) and Capital (CAR ratio). This research is a quantitative descriptive study using secondary data, namely reports published in the 2019-2020 Annual Report. The results of this study indicate that the health level of BCA sharia banks in terms of the risk profile of the NPF ratio before and during the pandemic with the predicate very healthy and the FDR before the pandemic was quite healthy while during the pandemic it was healthy. The GCG ratio before and during the pandemic received a very good rating, then in the profit aspect, the ROA ratio before and during the pandemic was at a fairly healthy composite rating and the capital aspect both before and during the pandemic received a very healthy predicate.
DETEKSI MINAT MENABUNG DI BANK SYARIAH : SUATU KAJIAN EMPIRIS
Authors: Ika Sulistyawati Ardiani , Dini Yuntika L.E. , Triyani Dian , Prapti NSS Rr. Lulus , Santoso Aprih
Published: March 2024

The purpose of this research is to analyze the factors that influence the interest in saving in Islamic banks. The object of research at the University of Semarang with the unit of analysis is students of the accounting study program. The number of respondents who participated were 84 people. This type of research is included as quantitative research. The analysis technique to answer the hypothesis uses multiple linear regression models. Data analysis was carried out using the SPSS'25 program. The results of this study indicate that religiosity, product knowledge and service quality affect the interest in saving in Islamic banks, while location and administrative costs have no effect on interest in saving in Islamic banks. The coefficient of determination produced is 48.4%.

Keywords: religiosity, product, service, cost, interest
Pengaruh Customer Review Dan Harga Terhadap Keputusan Pembelian Konsumen Muslim Shopee Di Banjarmasin
Authors: Nur Muhammad Abdan , Dahliana Difi
Published: March 2024

The trend of shopping online is increasing, but that does not mean that selling online can be done easily without any obstacles. Sellers who sell online through marketplaces such as Shopee are required to understand what factors can influence purchasing decisions because they have to work harder to get consumers to buy products that consumers cannot see and touch directly. Many studies have been conducted, but Shopee consumers in Banjarmasin have not been studied. Several previous studies have found that prices and customer reviews influence purchasing decisions. However, others find that both have no effect. Therefore, this study aims to describe how the influence of prices and customer reviews on the purchasing decisions of Shopee consumers in Banjarmasin. This survey research uses a questionnaire to collect data and uses the SPSS program to analyze the data. The results showed that simultaneously and partially both had a significant effect on the purchasing decisions of Shopee consumers in Banjarmasin. Finally, because purchasing decisions are a measure of marketing success, the results of this study are expected to be considered for sellers in digital marketplaces in determining marketing strategies.
Analisis Perilaku Konsumen Muslim Dalam Belanja Melalui Shopee Saat Pandemi Covid-19 Berdasarkan Perspektif Islam
Authors: Rosada Putrisma Iffa , Widigdo Mohammad Syifa Amin
Published: March 2024

This study aims to investigate the behavior of Muslim consumers in shopping through Shopee before the Covid-19 pandemi, behavioral changes during and after the Covid-19 pandemic analyzed from Islamic perspective. The method in this study used a qualitative research method using the type of field research. This study shows that before the Covid-19 pandemi, the behavior of Muslim consumers of IRPSM and IRPSI was following the principles, ethics, and limits of Islamic consumption. They shop according to their needs and shop in sufficient quantities. However, during the Covid-19 pandemi, Muslim consumers experience a behavioural change. These changes can be seen in the emergence of new motives for choosing online shopping at Shopee which results in shopping not only based on needs but also because of desire. This has increased the amount of consumer spending that is considered not following Islamic principles, ethics, and consumption limits.
Studi Fenomenologi: Perilaku Konsumtif Game Online Pada Remaja di Kelurahan Siwalankerto Kota Surabaya Perspektif Maslahah
Authors: Rachman Muafi Aulia , Ghozali Muhammad Lathoif
Published: March 2024

The development of technology and information has developed so rapidly and has progressed, be it in the business sector to the entertainment sector. With the internet, various activities can be done easily and quickly, including playing games as a means of entertainment for today's society. Online games are one of the platforms that are in great demand by the public because online games can be played using the internet network. This article aims to find out how the consumptive behavior of adolescents in buying virtual goods in online games, the research method used in this study is a qualitative method with a phenomonelogical approach by taking data sources through observation and interviews and secondary data sources through literature studies, mass media and social media. Research shows that the consumption behavior of teenagers in online games has become more wasteful, because the purchase of virtual goods is done to fulfill desires alone, not to meet their needs and aspects of benefit. This is very contrary to the concept of maslahah in Islam.
Rangkap Status Muzaki Dan Mustahik Pada Pendistribusian Zakat
Authors: Gustiana Restia
Published: March 2024

Penelitian ini bertujuan untuk menelusur lebih jauh rangkap status antara muzaki atau orang yang diwajibkan berzakat dengan mustahik yaitu orang yang berhak diberi harta zakat. Penelitian ini menggunakan metode kualitatif, pendekatan penelitian yang digunakan dalam penelitian ini adalah pendekatan sosiologi-hukum yakni pendekatan yang berhubungan dengan gejala sosial yang This study aims to explore further the dual status between muzaki or people who are obliged to pay zakat and mustahik, namely people who are entitled to be given zakat assets. This study uses a qualitative method, the research approach used in this study is a socio-legal approach, namely an approach related to social phenomena that occur in society which is then studied from a legal perspective related to these social phenomena. The results of this study indicate that there is a dual status that occurs in society related to the distribution of zakat itself. This dual status results in unequal welfare of the mustahik. Of course, if this continues without any bright spot, it will become an unresolved fiqh issue and further distance from the target of improving people's welfare because it cannot provide legal certainty for them. This requires special attention from Muslim scholars, or academics to complete or rectify the thirst for knowledge of the community, especially for the amil so that they can act properly, because the amil have not found the answers they need to answer this question. So that there is a common understanding and perception in dealing with this issue. This dual status is closely related to the perfection of worship for Muslims in terms of paying zakat assets because it is related to the validity of their worship.
Bank stability, Covid-19, and Islamic bank financing in Indonesia
Authors: Widarjono Agus , Misanam Munrokhim
Published: March 2024

The financial performance of Islamic banks is strongly influenced by the bank's ability to disburse their funds. The purpose of this study is to analyze the influence of Islamic bank fundamentals in influencing financing. Islamic bank fundamentals consist of stability, size, profitability, equity, efficiency, and financing risk. This study uses quarterly data to examine 13 Islamic commercial banks from 2014 to 2020. The method used is static panel data regression with unbalanced panel data of 334 observations. The results show that the Z-score, assets, ROA, and NPF have a positive effect on the financing of Islamic commercial banks. Meanwhile, the CAR and income cost ratio has a negative effect on the financing of Islamic commercial banks. Furthermore, the economic slowdown because of Covid-19 has reduced Islamic commercial bank financing. These findings indicate that profit, bank size, and stability are the main Islamic bank fundamentals that significantly influence the amount of Islamic bank financing.
Metode Menentukan Mitra Bisnis Pada “Komunitas Tanpa Riba” Di Malang
Authors: Din Khusnudin Us
Published: March 2024

Business activities will be more accessible if done with partners. Determining the right business partner is the main factor in achieving the business's success. The interrelation of the parties in running the business to gain profits will be easier with suitable partners. Various methods are used to determine the right business partner. The determining factors of a business partner's feasibility that satisfy the needs of a non-profit community is an interesting research topic.
Qualitative research was conducted using a phenomenological approach with "La Riba Community" as the subject. In-depth interview data were analyzed using interpretive phenomenological analysis.
Results of the study found that “La Riba Community” used the safar method for three days to determine whether someone would fit to become a partner or vice versa. Theoretically supports the concept of Islamic business ethics by involving the Allah in finding the right partner
Pengaruh Modal, Pembinaan, Dan Volume Usaha Terhadap Pemberdayaan Ekonomi Masyarakat Masjid Al-Musabbihin
Authors: Yafiz Muhammad , Gaol Roykhan Lbn
Published: March 2024

The mosque is not only a place of worship but can also be used as a place for educational, economic, social activities and so on. This study aims to review the prospects for mosque-based community economic empowerment. This research is a quantitative research. The object of research to be examined are traders who are around the al-Musabbihin mosque in the Setia Budi Indah Park complex. The data collection technique used a questionnaire which was distributed to 45 traders around the Al-Musabbihin Mosque. This research was tested using the SPSS Version 22 test tool. The findings of this study are that capital and business volume have a significant effect on economic empowerment, coaching has no effect on the economic empowerment of the Al-Musabbihin mosque community. However, simultaneously capital, coaching and business volume have a significant effect on the economic empowerment of the Al-Musabbihin mosque community. Prospects for community economic empowerment can be increased by increasing capital, coaching and business volume. If the mosque functions as well as possible, it will reduce poverty in the surrounding environment and strengthen the local community's economy
Peran Quadruple Helix Dalam Meningkatkan Kreatifitas Dan Inovasi Industri Kreatif Berbasis Syariah
Authors: Alfadri Ferri
Published: March 2024

The purpose of this study to find out how the role of each Quadruple Helix party is in increasing the performance of creativity and innovation in creative industry players in Padangsidimpuan City. This research is a field research with a qualitative method approach with Miles and Huberman descriptive analysis. Data collection techniques were carried out by direct observation and interviews with each of the helix actors. The Result in this study provide a conceptual framework for how creativity can be enhanced through the four helix approaches and interactions to enhance innovation performance. Within this framework, creativity is an important factor to improve the innovation performance of Indonesia's creative industries
Trust Fund: REITs Dan Perkembangan I-REITs Di Indonesia
Authors: Amalia Andi Athifah , Pasinringi Andi Achruh
Published: March 2024

Salah satu dana perwalian yang digunakan untuk sekuritisasi properti konvensional adalah Real Estate Investment Trust. Pelaku pasar juga terpengaruh untuk berinvestasi pada aset properti syariah atau Islamic Real Estate Investment Trusts dengan munculnya Islamic Financial Institutions (IFI) berupa perbankan syariah dan pasar modal syariah di Indonesia. Studi ini menggunakan tinjauan literatur untuk mempelajari perbedaan antara Islamic Real Estate Investment Trust syariah dan konvensional, prinsip syariah dari Islamic Real Estate Investment Trust syariah, dan pertumbuhan real estate investment trust syariah di Indonesia. Untuk mengetahui mengenai perbedaan antara REITs konvensional dan Syariah, perkembangan I-REITs di Indonesia, dan prinsip syariah yang digunakan pada I-REITs. Hasil dari penelitian ini ditemukan bahwa perkembangan Islamic Real Estate Investment Trust di Indonesia masih mengalami keterlambatan dibandingkan dengan dengan Negara lain meskipun kerangka regulasi mengenai Islamic Real Estate Investment Trust di Indonesia telah ada. Sehingga diperlukan adanya upaya lebih lanjut dari pemerintah dan para praktisi literature untuk mendorong perkembangan Islamic Real Estate Investment Trust di Indonesia.
Telaah Akad Dalam Tradisi Ombengan; Perspektif Kaidah Al-‘Adah Al-Muhakkamah
Authors: Huwaidi M Hibatullah
Published: March 2024

This study aims to find the meaning and pattern of the ombengan tradition in Karanganyar village, Paiton sub-district, Probolinggo district, then look at the terms of the contract based on the rules of al-'adah al-muhakkamah. The approach used in this study is ethnographic which aims to explore the meaning and patterns of the ombengan tradition that prevails in this village community. The result of this research is that ombengan is categorized as debt if the nominal is more than 100 thousand and becomes a grant if it is less than that nominal. And this tradition is in accordance with the rules of al-'adah al-muhakkamah so that it can be used as a basis for sharia law.
Pengaruh Motivasi, Pengetahuan Dan Persepsi Terhadap Minat Berkarir Mahasiswa Di Perbankan Syariah
Authors: Ramayanti Alfina , Khoiriawati Novi
Published: March 2024

This study aims to examine the influence of motivation, knowledge and perception variables on students' career interests in Islamic banking. The sample of this research is Sayyid Ali Rahmatullah Tulungagung State Islamic University students majoring in Islamic Banking class of 2019 with a total of 122 students. The sampling technique in this study used a simple random sampling technique. Data analysis technique using multiple linear regression analysis. The results of this study indicate that (1) the variable of motivation influences the interest in a career in Islamic banking, (2) the variable of knowledge influences the interest in a career in Islamic banking, (3) the variable of perception influences the interest in a career in Islamic banking, and (4) the variable motivation , knowledge, and perceptions influence student career interest in Islamic banking. The existence of this research is expected to be a reference and scientific knowledge regarding Islamic banking and economics, as well as a material consideration for students in making choices for future work, due to limited human resources who are competent in the field of Islamic economics, especially Islamic banking.