Economic : Jurnal Ekonomi dan Hukum Islam
The Economic : Jurnal Ekonomi dan Hukum Islam, Is a journal managed by the Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Darul Ulum Banyuwangi. This journal is published twice a year, namely in June and December. This journal already has P-ISSN 2088-6365 and E-ISSN 2477-5576. This journal also has programs aimed at bridging the gap between the practical and theoritical approaches to Islamic Economic and Islamic Law Studies. This journal invites the intersection of several disciplines, researchers, scholars to contribute knowledge in developing islamic economic literatures. This journal is available online using an open journal system which makes readers easy to get the published article.
Sunnatulloh yang terjadi dalam kehidupan sehari- hari tidak serba ada, serba mudah tanpa ada masalah, itulah di perlukan usaha atau ikhtiar manusia untuk memenuhi kebutuhan tersebut. Usaha yang sudah di jalankan dengan mengerahkan segala potensi tidak jarang blum membawa hasil. Bahkan tidak jarang rencana dan ikhtiar tersebut banyak hambatan yang menyebabkan kegagalan inilah yang sering yang di sebut dengn resiko. Bagaimana konsep Manajemen resiko dalam Islam, apakah berasuransi tidak bertentangan dengan taqdir? ini permasalahan yang akan menjdi pokok bahasan dan tlisan ini. Islam sebagaimana di jelaskan dalm surah al hasyr ayat I8 : “Wahai orang- orang yang beriman! Bertakwalah kepada Allah dan hendaklah setiap orang memperhatikan apa yang telah diperbuatnya untuk hari esok (akhirat), dan bertakwalah kepada Allah. Sungguh, Allah Maha Teliti te rhadap apa apa yang kamu kerjakan”.(Q.S. al-Hasyr: 18) Asuransi menjadi salh satu cara dalam mengelola resiko, hanya saja hinggasaat ini masih ada anggapan bahwa berasuransi bertentangn dengan taqdir. Asuransi syariah sebagai ikhtiar, yang tidak berlawanan engan konsep tawakal. Lam menglol resiko islm memberikan solusi engan konsep sharing risk.
Copyright (c) 2023 Laily Hidayati Rosyidi, Indana Zulfa, Inud Danis Ikhwan Meranti https://creativecommons.org/licenses/by-nc-sa/4.0
Pemberdayaan Perempuan Pada Wisata Gumuk Kantong
Abstrak—Pemberdayaan perempuan di sektor pariwisata, khususnya di Gumuk Kantong, merupakan langkah strategis untuk meningkatkan kesejahteraan masyarakat lokal. Penelitian ini bertujuan untuk mengeksplorasi berbagai inisiatif pemberdayaan yang dapat diimplementasikan untuk meningkatkan peran perempuan dalam pengembangan pariwisata di daerah tersebut. Melalui pendekatan kualitatif, penelitian ini mengidentifikasi potensi sumber daya lokal yang dapat dimanfaatkan oleh perempuan, termasuk pelatihan keterampilan dan pengembangan usaha berbasis komunitas. Hasil menunjukkan bahwa keterlibatan perempuan dalam pengelolaan pariwisata tidak hanya meningkatkan pendapatan keluarga, tetapi juga memperkuat posisi sosial perempuan dalam masyarakat. Selain itu, partisipasi aktif perempuan dalam pengambilan keputusan terkait pengembangan pariwisata berkontribusi pada terciptanya pariwisata yang berkelanjutan dan inklusif. Penelitian ini merekomendasikan perlunya dukungan dari berbagai pihak, termasuk pemerintah dan lembaga swadaya masyarakat, untuk menciptakan lingkungan yang kondusif bagi pemberdayaan perempuan di Gumuk Kantong.
Copyright (c) 2024 Laily Hidayati Rosyidi https://creativecommons.org/licenses/by-nc-sa/4.0
Determinan Keputusan Pembelian Produk Halal
Faktor yang mempengaruhi keputusan pembelian konsumen pada produk HNI meliputi harga dan promosi. Penelitian ini bertujuan untuk menganalisis pengaruh harga dan promosi terhadap keputusan pembelian secara simultan maupun parsial. Metode kuantitatif digunakan dalam penelitian ini, dengan populasi yang terdiri dari semua konsumen produk HNI di Kabupaten Malang. Teknik pengambilan sampel yang digunakan adalah purposive sampling dengan jumlah sampel sebanyak 100 responden. Analisis regresi linier berganda dilakukan menggunakan aplikasi Eviews 0.9. Hasil uji t menunjukkan bahwa pengaruh variabel harga dan promosi terhadap keputusan pembelian masing-masing sebesar 1,156 dan 8,881. Nilai t untuk harga lebih kecil dari nilai t tabel (1,984), sementara nilai t untuk promosi lebih besar dari nilai t tabel. Hal ini menunjukkan bahwa harga tidak memiliki pengaruh signifikan terhadap keputusan pembelian, sedangkan promosi memiliki pengaruh yang signifikan. Hasil uji F menunjukkan bahwa variabel harga dan promosi secara simultan memiliki pengaruh positif dan signifikan terhadap keputusan pembelian produk HNI, dengan nilai F hitung sebesar 123,01 yang lebih besar dari nilai F tabel (3,090).
Copyright (c) 2024 Sri Mulyani, Azy Athoillah Yazid, Ariyanto https://creativecommons.org/licenses/by-nc-sa/4.0
Paradigma Tingkat Kesadaran Hukum Dalam Keluarga
Masyarakat pada umumnya memiliki tingkat kesadaran hukum yang rendah sehingga mengakibatkan adanya permasalahan hukum. Dengan masih rendahnya tingkat pendidikan mungkin adalah salah satu faktor tidak memahami hukum. Untuk mengatasi kurangnya pemahaman tentang hukum, maka rasanya perlu kiranya diperlukan adanya kesadaran hukum dalam keluarga secara efektif dan berkesinambungan sehingga masyarakat benar-benar memahami pentingnya hukum. Keluarga merupakan peran paling utama dalam merealisasikan tujuan dari hukum itu sendiri. Salah satu yang mempengaruhi yaitu tingkat pendidikan yang ada di dalam keluarga agar memahami pentingnya hukum dalam kehidupan bermasyarakat untuk mengurangi pelanggaran hukum. Kurangnya kesadaran keluarga terhadap hukum yang dipengaruhi dari beberapa faktor diantaranya pengetahuan, pengakuan, penghargaan dan pentaatan tentang hukum menjadi hal mendasar dalam merealisasikan tujuan dari hukum sendiri. Terdapat beberapa tindakan yang harus dilakukan dalam keluarga terutama dalam merealisasikannya. Memperberat ancaman hukum atau dengan lebih mengetatkan pengawasan ketaatan warga Negara terhadap Undang- Undang salah satu cara dalam meningkatkan kesadaran hukum di lingkungan keluarga dan masyarakat.
Copyright (c) 2024 Hasiyati ningsih https://creativecommons.org/licenses/by-nc-sa/4.0
ANALISIS PENERAPAN MANAJEMEN SUMBER DAYA INSANI DI PEMERINTAH DESA SUMBERDAWESARI
Dalam manajemen, sumber daya insani merupakan salah satu sumber daya yang sangat penting karena sebagai penggerak dalam sebuah organisasi/perusahaan untuk mencapai tujuan yang telah ditentukan. Untuk memudahkan mencapai tujuan sebuah organisasi/perusahaan dibutuhkan sumber daya insani yang kompeten. Untuk mendapatkan sumber daya insani yang kompeten dapat melalui penerapan manajemen sumber daya insani yang meliputi rekrutmen, pelatihan dan pengembangan, dan kompensasi. Berdasrkan latar belakang tersebut penelitian ini bertujuan untuk mengetahui penerapan manajemen sumber daya insani di Pemerintah Desa Sumberdawesari. Dalam penelitian ini menggunakan metode penelitian deskriptif kualitatif. Sumber data primer dalam penelitian ini adalah data yang diperoleh dari hasil wawancara. Sedangkan data sekunder diperoleh dari bahan-bahan pustaka seperti buku, jurnal dan sebagainya. Hasil penelitian menunjukkan bahwa penerapan manajemen sumber daya insani pada Pemdes Sumberdawesari cukup baik sesuai dengan karakteristik prinsip syariah. Hal ini dapat dilihat dari dalam melakukan pelayanan kepada masyarakat yang menerapkan 5 S, berkerudung bagi pegawai perempuan, dan menerapkan konsep keadilan, transparan, dan amanah. Serta Pemerintah Desa Sumberdawesari menerapkan manajemen SDI yang baik yang meliputi rekrutmen, pelatihan dan pengembangan, dan kompensasi.
Copyright (c) 2024 AHMAD DANI TAUFIK HIDAYAT Dani https://creativecommons.org/licenses/by-nc-sa/4.0
bunga, bagi hasil, Perbedaan Prinsip Bunga Dan Bagi Hasil Pada Produk Tabungan di Bank Konvensional dan Bank Syariah
Pertumbuhan sistem keuangan global telah menyaksikan keragaman pendekatan dan prinsip yang diterapkan oleh bank konvensional dan syariah. Perbedaan mendasarnya salah satunya terletak pada prinsip dasar penanganan produk tabungan. Artikel ini bertujuan untuk mengetahui perbedaan prinsip bunga dan bagi hasil pada produk tabungan yang ditawarkan oleh bank konvensional dan bank syariah. Penelitian ini akan mengulas konsep dasar bunga sebagai biaya pinjaman pada bank konvensional, berbeda dengan prinsip bagi hasil yang menjadi ciri utama pada bank syariah. Dengan fokus pada produk tabungan, kami akan menganalisis bagaimana sistem bunga pada bank konvensional melibatkan pembayaran bunga tetap atau mengambang kepada nasabah, sedangkan bank syariah menerapkan prinsip bagi hasil yang berorientasi pada keuntungan bersama. Metodologi penelitian ini menggunakan penelitian kepustakaan yang meliputi analisis komparatif antara struktur produk tabungan konvensional dan syariah, serta tinjauan literatur untuk memahami implikasi ekonomi dan keuangan dari penerapan prinsip bunga dan bagi hasil. Kesimpulan penelitian perbedaan bunga dan bagi hasil produk tabungan bank syariah dengan bank konvensional terdapat pada Mekanisme Pendapatan dimana bank konvensional menggunakan sistem bunga dimana nasabah menerima imbalan berupa bunga tetap atas saldo tabungannya. Sedangkan bank syariah menggunakan bagi hasil dimana nasabah membagi keuntungan atau kerugian dari investasi atau proyek yang didanai bank dengan dana tabungan. Keyword : bunga 1; bagi hasil 2; bank konvensional 3; bank syariah
Copyright (c) 2024 Nuril Aini Nuril https://creativecommons.org/licenses/by-nc-sa/4.0
Analisis Dampak Penerapan IT Terhadap Proses Pembukaan Rekening Tabungan Di Bank Muamalat KCP Pasuruan
Saat ini, dapat dikatakan bahwa hampir seluruh perbankan di Indonesia memiliki aplikasi mobile banking untuk meyesuaikan gaya hidup para nasabahnya, termasuk Bank Muamalat dengan meluncurkan aplikasi mobile banking (Muamalat DIN). Jadi dalam penelitian ini peneliti akan membahas bagaimana dampak penerapan IT (Mobile Banking) untuk mengetahui apa saja dampak yang didapat oleh nasabah juga perusahaan, yang mana penelitian ini dilakuakan dengan menggunakan metode kualitatif yaitu penelitian lapangan atau penelitian lapangan dengan menggunakan data primer dan sekunder. Dampak penerapan TI ini sangat signifikan terhadap proses pembukaan nasabah salah satunya dapat memberikan arahan atau pemahaman untuk mengakses berbagai layanan perbankan kapan saja selama 24 jam dan ini juga berpengaruh positif terhadap perusahaan.
Copyright (c) 2024 Konita Mardia https://creativecommons.org/licenses/by-nc-sa/4.0
Analisis Manajemen Produksi Pada Usaha Mikro, Kecil Dan Menengah (UMKM) Di Indonesia
The goal of the study is to describe how operational management theory is used in a micro, small, and medium enterprise's production process. Using qualitative research techniques, Richar L. Darft's theory on operational management and Jay Heizer and Barry Render's theory on production were developed through a literature review. methods for gathering data with documentation studies. Techniques for processing data that include reduction, data visualization, and conclusion-drawing. the triangulation of sources with data validity approach. The findings revealed that The process of generating products or services is referred to as production. Operational management of production is a method of using available resources to produce goods that are useful to micro, small, and medium-sized businesses. It entails the following activities: production planning, which entails planning materials and product manufacturing processes; organizing the production process, which entails dividing the equipment, materials, and labor; directing the production process, which entails enforcing work product quality; and controlling the production process.
Copyright (c) 2023 Inud Danis Ikhwan Meranti, Laily Hidayati Rosyidi https://creativecommons.org/licenses/by-nc-sa/4.0
Telaah Perilaku Konsumtif Generasi Z Terhadap Online Shop Menurut Perspektif Konsumsi Islam
This journal aims to research the consumer behavior of generation Z when shopping on the marketplace from an Islamic perspective with a qualitative methodology using a library research approach. This research explores various media facts about the perspective of generation Z's consumption behavior towards online shops. Generation Z is the biggest consumer in online shops, this is because of ease of access and also freedom in shopping. However, this fact actually makes generation Z become consumptive in shopping at online shops. This consumptive behavior is contrary to the consumption perspective in Islam. Islam teaches behavioral procedures for balanced consumption. In an Islamic perspective, it explains that the basis of consumption and consumption behavior in Islam focuses on fulfilling basic needs. Even though you have abundant wealth, if its use is not managed well and based on measurable benefits, prosperity will fail. Research is limited in analyzing the consumer behavior of generation Z globally, not yet at the stage of refinement in a deeper and more specific scope
Copyright (c) 2023 zainal aris masruchi https://creativecommons.org/licenses/by-nc-sa/4.0
Kontekstual Softskill Santri Melalui Ekonomi Kreatif Pesantren
This journal aims to research the development of Santri Softskills through the Creative Economy at the Darul Ulum Islamic Boarding School, Lumajang. This research explores the development of students' soft skills at the Darul Ulum Islamic Boarding School using a field approach. Data was obtained by interviewing informants such as boarding school leaders, teachers and students. Darul Ulum Lumajang Islamic Boarding School strategically integrates creative economic empowerment into its curriculum, which aims to foster an entrepreneurial spirit among students. This involves a flexible learning program, involving a variety of entrepreneurial activities such as cooperatives, sewing, embroidery and handicrafts. Leadership plays a critical role, providing unwavering support and direct involvement in managing creative initiatives. The environment fosters appreciation of students' potential, creating an effective platform for them to explore and implement creative economic endeavors. Factors that contribute to the success of this program include strong leadership, an empowering environment, and active alumni involvement, mentoring and supporting students in marketing and production. Despite challenges such as lack of interest in training and increasing competition, Islamic boarding schools aim to overcome these obstacles through a strong mental attitude, seeking divine guidance, and facing challenges with courage. Through this strategy, the Darul Ulum Lumajang Islamic Boarding School seeks to empower students with various skills, foster entrepreneurship and creativity
Copyright (c) 2023 Azy Athoillah Yazid https://creativecommons.org/licenses/by-nc-sa/4.0
Implementasi Akad Murabahah Pada Produk Pembiayaan KPR Di BTN Syariah Jombang Dalam Mensejahterakan Masyarakat
BTN Syariah adalah salah satu bank syariah yang menerapkan akad murabahah dalam produknya yaitu KPR. Tujuan dari penelitian ini adalah untuk mengetahui implementasi akad murabahah pada produk pembiayaan KPR di BTN Syariah dalam mensejahterakan masyarakat. Metode dalam penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data menggunakan data sekunder dan primer. hasil penelitian ini menunjukkan implementasi akad murabahah dalam produk KPR dapat memberikan manfaat bagi masyarakat yang sebelumnya kesulitan dalam membeli rumah secara tunai, namun dengan adanya pembiayaan perumahan dengan akad murabahah masyarakat dapat membeli rumah dengan cara mudah yaitu dengan cara mengkredit dengan angsuran tetap dan jangka waktu yang lama Kata Kunci: Akad Murabahah, KPR, Kesejahteraan Masyarakat.
Copyright (c) 2023 firda firdanurhaqiqi https://creativecommons.org/licenses/by-nc-sa/4.0
Filantrophy Islam : Studi Zakat Adalah Pajak Dimensi Ibadah Sosial Perpektif Farid Masdar F Mas’udi
Permasalahan kemiskinan merupakan akibat dari distribusi pendapatan dan kekayaan yang tidak merata di tengah-tengah masyarakat kita. Pemikiran ekonomi selama ini merumuskan dan memberikan solusi bagaimana kemiskinan terjadi dan dapat dilihat dari beberapa aspek tidak terkecuali sosial ekonomi. Zakat dapat menjadi instrumen kesejahteraan ekonomi dan sosial bagi umat, serta kedudukan pajak yang tidak kalah pentingnya sebagai salah satu sumber pendapatan negara. Pajak dan zakat, jika dipadukan dalam sebuah konsep dan aturan hukum yang jelas, diyakini dapat meningkatkan perekonomian Indonesia. Tulisan ini merupakan kajian berbasis literatur, dengan mengangkat tema “Mengkaji Dimensi Sosial Zakat Ibadah Dalam Perspektif Al-Quran”. Dalam tulisan ini terdapat tiga pertanyaan: Pertama, bagaimana konsep Zakat. Kedua, konsep Bagaimana Pajak. Ketiga, Bagaimana pandangan Zakat Pajak dalam perspektif Al-Quran.
Copyright (c) 2023 Sri Wahyunita, Nuril Laila Maghfuroh, Sopiyatun Islamiyah https://creativecommons.org/licenses/by-nc-sa/4.0
Implementasi Service Excellence Dunia Perbankan Syariah Dalam Perspektif Al-Qur’an
Service excellence merupakan salah satu upaya yang dilakukan oleh bank syariah untuk mempertahankan nasabah agar tetap loyal. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana konsep dasar pelayanan prima atau service excellence menurut Al- Qur’an dan implementasi service excellence pada Perbankan Syariah berdasarkan Al-Qur’an. Metode yang digunakan dalam penelitian ini yaitu deskriptif kualitatif, jenis data yang digunakan yaitu data sekunder yang didapat dengan metode teknik kepustakaan yakni penulis mengumpulkan data melalui referensi, artikel, dan literatur yang sesuai dengan topik penelitian. Hasil dari penelitian ini yaitu al-quran telah menjelaskan konsep service excellence yang harus dilakukan oleh perbankan syariah yakni memberikan pelayanan kepada nasabah dengan mencontoh bagaimana Rasulullah SAW melayani pelanggan-nya ketika berdagang. Implementasi nilai-nilai konsep service excellence yang terdapat di dalam Al-Qur’an telah banyak dilakukan oleh perbankan syariah seperti bersikap ramah dan lemah lembut, menjaga penampilan dan kebersihan, berdo’a bersama sebelum memulai pekerjaan, dan lain sebagainya.
Service Excellence, Perbankan Syariah, Al-Quran
Copyright (c) 2023 Adek Nuriya Ade https://creativecommons.org/licenses/by-nc-sa/4.0
Strategi Bank Syariah Bersaing Dengan Pinjaman Online
Teknologi modern, khususnya bidang teknologi informasi yang berkembang pesat dan memiliki dampak yang signifikan terhadap kehidupan manusia. Kemajuan teknologi informasi memberikan sejumlah manfaat dan kemudahan untuk melakukan berbagai aktivitas. Tahun 2022 akan melihat ledakan dalam teknologi keuangan, atau Fintech yang berjenis pinjaman peer-to-peer di Indonesia, terutama yang berkaitan dengan pinjaman online mengingat permintaan mereka yang tinggi. Otoritas Jasa Keuangan melaporkan peningkatan kredit Pinjaman Online (Pinjol) sebesar 18,86% pada juni 2023 sehingga totalnya mencapai Rp 52,7 miliar. Sedangkan capaian pertumbuhan kredit perbankan yang hanya sebesar 7,76%. Lembaga Penjamin Simpanan (LPS) berharap agar perbankan berhati-hati. Dan ini bukan hal yang mudah bagi Pinjol. Pertumbuhan kredit fintech peer-to-peer (P2P) lending sejatinya sudah melampaui pertumbuhan kredit industri perbankan secara nasional. Oleh karenanya, pinjaman online dapat memberikan dampak negatif pada industri perbankan, dan khususnya pada perbankan syariah, yang notabene pangsa pasarnya masih kecil, sehingga akan semakin kecil lagi karena nasabah-nasabahnya beralih ke aplikasi pinjol, jika tidak ada perubahan strategi yang dilakukan olehnya. Penelitian ini bertujuan untuk mambahas strategi perbankan syariah dalam menghadapi pinjaman online, dengan jenis penelitian kajian kepustakaan dengan pendekatan deskriptif-analitis. Hasil penelitian menunjukan bahwa, perbankan syariah harus meningkatkan teknologi dan layanan kepada para nasabahnya, memudahkan proses pembiayaannya, serta memberikan kenyamanan dan kecepatan dalam setiap transaksinya.
strategi 1; bank syariah 2; pinjaman online
Copyright (c) 2023 Silda labibi silda https://creativecommons.org/licenses/by-nc-sa/4.0
Pengaruh Media Promosi Perbankan Syariah Terhadap Minat Menabung Masyarakat Di Bank Syariah
Tujuan penelitian ini adalah mencoba untuk mengetahui bagaimana media promosi perbankan syariah yang berpengaruh dalam menarik minat masyarakat untuk menabung di bank syariah. Promosi adalah sarana yang paling ampuh untuk menarik dan mempertahankan nasabah. Media promosi yang digunakan oleh perbankan syariah dalam penelitian ini terbagi 4, yaitu: media koran, media brosur, media televisi, dan media internet. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan teknik analisis regresi linier berganda. Adapun data yang digunakan dalam penelitian ini adalah dat proper berupa kuesioner yang disebarkan kepada masyarakat dan dibantu dengan program computer SPSS (Statistical Package For Social Science) Versi 23. Berdasarkan analisis sementara dalam pelitian ini variabel koran, variabel televisi, dan variabel internet secara signifikan mempengaruhi dalam minat masyarakat dalam menabung di bank syariah dan meliliki konteribusi besar.
Copyright (c) 2023 Aqidatus Sholikha https://creativecommons.org/licenses/by-nc-sa/4.0
Traders in Magelang City are the tip of a business, as well as the area that should be easiest to develop. All businesses are related to trade. Trade is no sales no business. There is no business that does not start with sales or trading. This logical principle should apply to the fate of all traders, the majority of whom are women in traditional markets, MSMEs and cooperatives in Magelang City. For recommendations on Regional Regulation (Regional Regulation) no. 7 of 2013 is better changed. The reason is that the foundation is actually quite strong. But the implementation has deviated a lot and there is no support for the people and small traders. In the evaluation portrait of Laws, Presidential Decrees, Government Regulations, Ministerial Regulations, Gubernatorial Regulations, Regional Regulations, linear regulations, what the researchers studied can be concluded specifically that the definition of people's economy in Traditional Markets contains 3 (three) elements, including: (a) Traditional Markets itself which can also be called the People's Market, (b) MSMEs, and (c) Cooperatives. It is hoped that these three elements will be taken as the main role by the Village in its Village Regulations (Village Regulations) as collective partisan measures (not personal practices). The results of this research show that there are 10 aspects that need to be changed or improved in the arrangement of traditional markets, shopping centers and modern shops in accordance with Regional Regulation No. 07 of 2013 concerning the arrangement and development of traditional markets (people's markets), shopping centers and modern shops.
Copyright (c) 2023 Laily Hidayati Rosyidi, Inud Danis Ikhwan Meranti https://creativecommons.org/licenses/by-nc-sa/4.0
Transaksi Marketpalace dalam Sudut Pandang Ekonomi Islam
Marketplaces, with their innovations in facilitating transactions, have had a significant impact on how consumers shop and how businesses operate. This research aims to investigate and analyze the phenomenon of buying and selling in the marketplace, including the dynamics, challenges and opportunities that arise. This study will also highlight the role of technology in facilitating the buying and selling process, as well as its impact on consumer behavior, business models, and changes in the global economic order. This research discusses the sharia economic perspective on buying and selling in the marketplace using the literature review method. The data in this research was taken from scientific studies in the form of journals published in the period 2022 to 2023 using content and thematic analysis techniques. The research results show that the concept of buying and selling in Islamic economics in the marketplace consists of halal and haram, aqad legality and contracts in the Marketplace, justice in prices, prohibition of usury, principles of social responsibility, uncertainty, gambling, and justice in policy, clarity of goods, fairness in transactions, freedom and agreement.
Literature Review: Menumbuhkan Jiwa Enterpreneursip Religius Terhadap Mahasiswa
This journal aims to research the Development of a Religious Entrepreneurial Spirit in Students. This research explores various aspects of student entrepreneurship, especially in the context of religious values, through a literature review method. Data is taken from scientific papers which highlight several steps that need to be instilled in students to become entrepreneurs. The research results show that first-time entrepreneurial students need to develop self-confidence and the ability to innovate. Second, focus on the desired results. Third, the formation of mental discipline through practice and practical experience. And fourth, developing leadership abilities by maximizing your potential. The entrepreneurial spirit can be enriched through a focused educational process and real experience that will equip students to enter the business world. Apart from understanding independence in business, students also need to internalize religious values ​​(integration between business and religion) to ensure that their entrepreneurial activities do not only prioritize profit, but also reflect ethics and values ​​in business
Determinan Minat Konsumsi dengan Penguatan Sertifikat Halal
This research aims to determine the influence of service quality, brand liking, subjective norms on consumption interest with halal certificates as a moderating variable at de' sushi in Makassar, where the sample in this study is de' sushi consumers. The research method used is a quantitative method with a causality approach. Based on the research results that have been obtained, the first hypothesis is rejected, where service quality does not have a positive and significant effect on interest in consuming de sushi. The second hypothesis is accepted, where brand liking has a positive and significant effect on consumption interest at de sushi. The third hypothesis is accepted, where subjective norms have a positive and significant effect on consumption interest in de sushi. The fourth hypothesis is accepted, where halal certification moderates service quality on consumption interest at De Sushi. The fifth hypothesis is rejected, where the halal certificate does not moderate brand liking on consumption interest. And the sixth hypothesis is accepted, where halal certificates moderate subjective norms on consumption interest at de sushi in Makassar.
Copyright (c) 2022 Sri Indah Wahyuni, Muh. Wahyuddin Abdullah, Muhammad Nasri Katman, Laily Hidayati Rosyidi https://creativecommons.org/licenses/by-nc-sa/4.0
Faktor Electronic Word of Mouth, Halal Lifestyle dan Product Quality Terhadap Keputusan Pembelian Melalui Price Discount
This study intends to ascertain how purchasing decisions about Muslim women's fashion products at Faradiba boutique are influenced by electronic word-of-mouth, halal lifestyle, and product quality, with price discounts serving as a moderating factor. A quantitative approach using a descriptive methodology is the methodology employed. Primary data is the data source that was used. Customers who had shopped at the Faradiba boutique for Muslimah fashion products comprised the population. A non-probability sampling methodology combined with a purposive sampling strategy yielded 200 samples. The Partial Least Square (PLS) program and SmartPLS 4 software were used for data analysis. The study's findings led to the notion that factors such as halal lifestyle, product quality, and electronic word-of-mouth positively and significantly influenced consumers' decisions to buy. The choice to buy Muslimah fashion items at the Faradiba boutique may be moderated by the hypothesis. Discounts on prices, however, are unable to temper the halal way of life.
Copyright (c) 2023 Wahyuni Afrianti, Muhammad Idris Parakkasi, Muhammad Nasri Katman, Moch Mahsun https://creativecommons.org/licenses/by-nc-sa/4.0
Pengaruh DPK dan Pendapatan Bagi Hasil Terhadap Pembiayaan Bagi Hasil dengan NPF Sebagai Variabel Moderating Pada Bank Syariah.
This research aims to determine the influence of third party funds and profit sharing income on profit sharing financing, the influence of Non Performing Financing (NPF) in strengthening or weakening the relationship between third party funds and profit sharing income on profit sharing financing. This type of research uses quantitative research. The data source used is secondary data, namely data taken from financial reports published by Bank Panin Dubai Syariah. The population in this research is the Financial Report of Bank Panin Dubai Syariah for the period 2015-2022 which is published on the official website of Bank Panin Dubai Syariah. The technique used in selecting samples was purposive sampling, with a sample size of 32. Data analysis used the Partial Least Square (PLS) method with SmartPLS 3 software. The results of the analysis showed that third party funds had a significant positive effect on profit sharing financing. Profit sharing income has no effect on profit sharing financing. Non Performing Financing is unable to strengthen or weaken the relationship between third party funds and profit sharing income to profit sharing financing
Copyright (c) 2023 Andi Nur Akmawanti, Ayu Ruqayyah Yunus , Muhammad Nasri Katman, Sri Mulyani https://creativecommons.org/licenses/by-nc-sa/4.0
Prosedur Tabungan Haji Muda Indonesia: Studi Kasus Bank BSI Cabang Banyuwangi
The presence of sharia banks with an interest-free philosophy has its own significance for national economic development efforts. The current national banking system is still dominated by the interest system, which for the majority of the lower middle class is a crucial problem, because it is burdened with the thought of not only returning principal loan capital, but also paying back interest. This research uses qualitative field research. Data sources were selected based on criteria, namely four bank employees and seven mabrur financing customers. The operational mechanism is to start by filling in the registration form with complete data along with parent/guardian data with a minimum initial deposit of IDR. 100,000 when opening an account. After the balance reaches Rp. 25,100,000 customers will be registered with the Integrated Hajj Computerized System (SISKOHAT). In implementing mudhorobah and mutlaqah, banks act as mudharrib who have the authority to develop or manage customer funds (shahibul mal) provided that they do not conflict with legal provisions, are halal, and do not conflict with sharia principles. It can take various forms, including buying and selling, renting and investing based on sharia principles. Likewise, the profit sharing system or ratio that is applied must be agreed upon by both parties. The distribution ratio must be stated and stated in the account bookkeeping contract.
Copyright (c) 2023 M Syarif Hidayatulloh https://creativecommons.org/licenses/by-nc-sa/4.0
Pengaruh Periklanan, Publisitas dan Personal Selling Terhadap Strategi Kampus
The role of education is a form of education of a country as a manifestation of love for its nation to create educated human beings and become noble people. This study aims to determine the effect of advertising, publicity and personal selling on students' decisions to choose to study at STAI Darul Ulum Banyuwangi with a quantitative descriptive research approach, STAI Darul Ulum students who were taken as samples in this study were 66 respondents with solvin techniques probability sampling The data analysis method to test the hypothesis that has been compiled uses a stepwise test through validity testing, reliability testing, classical assumption testing and multiple linear regression testing. Based on the results of multiple linear regression analysis by considering the hypothesis test consisting of the F test and T test, it can be concluded that based on the t test results, the advertising variable has a positive and significant effect on student decisions, indicated by the tcount value greater than ttable or 2,617 > 1,670 with a value significant 0.011 < 0.05. while the publicity variable has no significant effect on student decisions as indicated by the tcount value smaller than ttable 0.809 < 1.670 and a significant value 0.422 > 0.05. And the personal selling variable has a significant effect on student decisions. It is shown that the tcount value is greater than ttable 3,369 > 1,670 and a significant value of 0.001 < 0.05. Then from the results of the F test simultaneously the independent variables of advertising, publicity, and personal selling have a significant influence on the student's decision to choose to study at STAI Darul Ulum Banyuwangi indicated by the Fcount 32.249 > Ftable 2.753 and the significant value 0.000 <0.05. For the results of the R squer test (R2) of 0.60.9, it means that overall the variables are able to influence 60.9% on the student's decision to choose to study at STAI Darul Ulum Banyuwangi
Copyright (c) 2022 Hasan https://creativecommons.org/licenses/by-nc-sa/4.0
Identifikasi Minat dan Motivasi Peserta Didik dalam Pemilihan Program Studi Ekonomi Syariah
Senior High School Darul Ulum Muncar is one of the institutions at the Manbaul Ulum Banyuwangi Foundation which is engaged in education which was founded in 1955 with the slogan "Excellent Achievement with Islamic Insight". There are 3 major programs provided by Senior High School Darul Ulum Muncar for its students, namely Science, Social Sciences and Religion. After completing their education in school, students who want to continue their education in higher education are often faced with the problem of choosing a faculty. Choosing a faculty in a university is the main thing in this study because currently many students are graduates of Senior High School (MA) and the equivalent who are not serious in studying due to lack of knowledge about the faculty they choose at the university. By choosing the right faculty, students will not only study but he will be serious in understanding about the faculty he chooses. In choosing this faculty is influenced by interest and motivation. So that from this study the researchers raised the problem of identifying interests and motivationson students majoring in social studies in choosing a college of economics faculty. Data collection techniques used in this study were observation, interviews and documentation. The next stage, the research was analyzed by triangulation technique. The emergence of students' interest and motivation in choosing a faculty at a university is caused by internal and external factors that have a major influence on students in the final decision of the faculty he chooses
Copyright (c) 2022 Subkhan Syaechu https://creativecommons.org/licenses/by-nc-sa/4.0
Peningkatan Layanan Melalui Strategi Marketing Door To Door
Sharia Financing Savings and Loans Cooperative (KSPPS) BMT Al Yaman Wringinputih Muncar Banyuwangi is one of the institutions operating in the economic sector which has been located at the location of the Manbaul Ulum Banyuwangi Islamic Boarding School Foundation since 2016 with the slogan "Maintaining Trust, Achieving Barokah". KSPPS BMT Al Yaman Wringinputih Muncar Banyuwangi is a cooperative that organizes sharia savings and loan activities. KSPPS BMT Al Yaman in its marketing uses a Door to Door marketing strategy to attract customers. The aim of this research is to find out the Door to Door marketing strategy that has been carried out by KSPPS BMT Al Yaman Wringinputih Muncar Banyuwangi in improving KSPPS BMT Al Yaman Wringinputih transaction services and to find out the obstacles and efforts implemented. This research uses a field research method with a qualitative descriptive approach with data collection in the form of observation, indirect interviews and documentation taken from one hundred Wringinputih Muncar Banyuwangi customers. The results of this research are a Door to Door marketing strategy to improve services that have been carried out by KSPPS BMT Al Yaman, realizing that customers feel very helped, which creates a sense of trust in the services provided. However, there were several obstacles that emerged from KSPPS BMT Al Yeman which were followed up directly. From the efforts that have been made, there are several obstacles that must be optimized in improving services. Several suggestions that researchers gave to KSPPS BMT Al Yeman to optimize the Sharia Agent program, M-BMT Al Yaman, and public relations. Another suggestion is to provide guidance to the AO (Account Officer) to be confident in conveying cooperative product information to customers in order to gain customer loyalty
Copyright (c) 2023 Nuril Laila Maghfuroh https://creativecommons.org/licenses/by-nc-sa/4.0
Tinjauan Ekonomi Islam Terhadap Bantuan Perekonomian Masyarakat
The economic problems faced by society, especially in terms of income, are divided into several groups, namely groups with high income, groups with low income, and groups that are still in the cycle of poverty. Viewed based on this, this creates problems of economic inequality or disparity, which in the end will create boundaries between these groups. Especially for groups that are still classified as poor families, they will be increasingly isolated in society. The aim of this research is to evaluate the assistance program from the Ministry of Social Affairs called the Joint Business Group (KUBE). Apart from that, this research also aims to determine the implementation process and obstacles to the KUBE assistance program. This research was conducted in Purwoagung Tegaldlimo village, Banyuwangi Regency. In the evaluation process, researchers used 6 indicators, namely effectiveness, efficiency, adequacy, alignment, responsiveness and accuracy. The method used is a case study with a qualitative approach. The results of the researchers' findings in the field can be concluded that the implementation of the KUBE assistance program in Purwoagung Tegaldlimo village, Banyuwangi Regency cannot be said to be successful. Because of the 6 indicators used, only 3 indicators were met, namely efficiency, adequacy and leveling. Meanwhile, the implementation process goes through 5 stages, namely the selection, verification, checking, disbursement and monitoring stages. The obstacles to the development of the KUBE assistance program in Purwoagung Tegaldlimo village, Banyuwangi Regency are determining the business sector, mentoring, product marketing, COVID-19, and commitment between members.
Copyright (c) 2023 Khanif Hidayati https://creativecommons.org/licenses/by-nc-sa/4.0
Implementasi Manajemen Risiko Pembiayaan Murabahah bil Wakalah pada Peternak Sapi
The principle of buying and selling allows the distribution of funds through istishna, murabaha, or salam contracts. Murabahah is a popular method used in the economic activities of cattle breeders in Jabung (buying and selling). However, this type of financing still has potential risks. Therefore, risk management is a necessary stage to anticipate all possibilities that may arise. A case-study qualitative approach was adopted in this study. The primary data to be used is in the form of field documentation, interviews, and direct observation. BMT, AO, and SPV managers were the main interview respondents. The stages in this study consisted of data reduction and drawing conclusions. As for the validity of the data, the source triangulation technique was used. The results of the study found that there was murabahah bil wakalah financing in the activity of buying and selling livestock products (cattle) in Jabung. The financing begins with a murabaha contract and ends with a wakalah contract. However, this process is not in line with the Fatwa of the Sharia Council regarding murabahah bil wakalah. In addition, the management process assisted by BMT al-Hijrah includes planning, implementation, monitoring, and controlling. In addition, risk management includes risk management efforts during the murabahah bil wakalah financing process. The process includes risk identification, which is then handled by way of risk allocation to other parties through external cooperation.
Copyright (c) 2023 AMochamad Mukhlis, Shabrun Jamil https://creativecommons.org/licenses/by-nc-sa/4.0
Konstruksi Mediasi Penal dalam Tindak Pidana Kecelakaan Lalu Lintas
Philosophical discussion seems to take place in an impersonal space, and legal philosophy is a subfield of philosophy. Legal philosophy has a crucial role in how Indonesian legislation is created. Considering the idea in Islam that just judgements or punishments, aside from being directly tied to people, are also related to the Creator (Allah SWT), law also applies in the hereafter. Therefore, in addition to adhering to the direct rules (or heavenly laws in the case of Islam) of God's revelation in the form of holy books, mankind must constantly seek out formulas of truth that are dispersed across society, namely a law that will drive society's direction and a law that will govern individual behavior. More research must be done on the legal theory. This page seeks to explain what legal philosophy is, why it's beneficial to study it, and how Islamic legal philosophy differs from other legal systems.
Copyright (c) 2023 Economic : Jurnal Ekonomi dan Hukum Islam https://creativecommons.org/licenses/by-nc-sa/4.0
Hakikat Filsafat Hukum dalam Perspektif Filsafat Hukum Islam
Philosophical discussion often makes it seem as though we are in an abstract setting, and legal philosophy is a subfield of philosophy. Legal philosophy has a crucial role in how Indonesian legislation is created. implying that in Islam, the rule of law applies to both this world and the afterlife since a just judgement or punishment not only affects people directly but also the Creator (Allah SWT). Therefore, humanity must always seek out the formula of truth that is spread throughout people's lives, namely a rule that will govern the path of society and the law that governs the heavenly (or, in Islam, direct) laws of God's revelation. It is essential to conduct a more thorough investigation of legal theory. This page seeks to explain what legal philosophy is, why it's beneficial to study it, and how Islamic legal philosophy differs from other legal systems.
Menegaskan Pancasila dalam Pembentukan Peraturan Perundang-Undangan
Pancasila has established itself as one of the linking media in social, national, and state life in Indonesia as the fundamental tenet of the Indonesian people. The five guiding principles of Pancasila fortify the base of Indonesian state life against internal and external attacks. Pancasila must be included in the category of substantive legal sources for the construction of legal settlements in the legal environment, particularly in the establishment of legal settlements. When addressing the intellectual and sociological underpinnings of the legislative process, it appears that the principles of Pancasila need to be examined in greater detail.