Jurnal Online Universitas Muhammadiyah Surabaya
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Kebijakan Moneter Dalam Perspektif Ekonomi Islam
Get PDFKebijakan moneter dalam ekonomi Islam merupakan bagian dari ilmu ekonomi yang mempelajari sifat, fungsi, dan pengaruhnya terhadap aktivitas ekonomi suatu negara. Dalam konteks Islam, kebijakan moneter tidak hanya fokus pada penawaran dan permintaan uang, tetapi juga menekankan prinsip keadilan dan persaudaraan. Tujuan utamanya adalah untuk mencapai kesetaraan dan memastikan distribusi kekayaan serta pendapatan yang adil. Pada masa Nabi Muhammad SAW, praktik moneter menggunakan standar bimetal (emas dan perak). Kebijakan moneter mengatur jumlah dan distribusi uang untuk menjaga stabilitas ekonomi domestik dan eksternal. Kebijakan moneter konvensional memiliki kelemahan karena bergantung pada suku bunga dan riba, yang dilarang dalam Islam. Pengelolaan mata uang syariah berdasarkan prinsip bagi hasil telah memberikan dampak positif di beberapa negara, meskipun tidak selalu menjadi solusi jangka pendek. Kebijakan moneter syariah harus bebas dari suku bunga dan riba, menggunakan instrumen yang sesuai dengan hukum syariah
OPTIMALISASI SEGMEN BISNIS ISLAM DALAM PENINGKATAN KINERJA FUNDING DI BANK MUAMALAT KH. MAS MANSYUR SURABAYA
No full textThe expanding development of Islamic banking necessitates that every Islamic bank has the best strategies to market its products. This is why Bank Muamalat KH. Mas Mansyur has chosen a market mapping strategy. The market segmentation targets the Islamic business segment. This strategy is selected based on the large Muslim population in Indonesia, which is currently the majority. The research problem is centered on the funding strategy within the Islamic business segment to enhance third-party fund collection at Bank Muamalat KH. Mas Mansyur Surabaya, as well as analyzing the implementation of this strategy. The aim of this study is to understand the funding strategy applied by Bank Muamalat KH. Mas Mansyur Surabaya in the Islamic business segment to increase third-party fund collection. The research method used in this study is qualitative, with a field research approach. The researcher will directly engage in fieldwork to conduct observations and data collection. The data will be sourced from both primary and secondary data. Data collection techniques will include interviews with several informants, observations and documentation. The analysis process will begin with data collection, followed by data reduction to select key information, presentation of the data, and finally drawing conclusions. The findings of this study indicate that the strategy currently implemented by Bank Muamalat KH. Mas Mansyur Surabaya, which is market mapping in the Islamic sector, is an appropriate strategy for funding product marketing at the bank. However, the increase in third-party funds is still somewhat fluctuating and faces several challenges in practice
Peran dan Tugas Administrator Food dan Beverage Service pada Oakwood Hotel dan Residence
No full textThe purpose of this study was to determine the role and duties of the food & beverage service administrator at oakwood hotel & residence. Food and Beverage Service is the second largest source of revenue for hotel operations after room sales. The purpose of this study is to determine the duties and responsibilities of the food and beverage service administrator at Oakwood Hotel & Residence Surabaya, establish standard operating procedures for food and beverage service at Oakwood Hotel & Residence Surabaya, and find ways to improve service quality. There are several obstacles in food and beverage service, such as detailed information obtained from businesses that are still difficult to implement due to incomplete information and lack of good communication between the sales department and the food service department. The research method used in this report is qualitative method by conducting observation through direct observation at Oakwood Hotel & Residence and library method. The implications of this research include: Oakwood Hotel & Residence must prepare a food and beverage service administrator and the food and beverage department must have good relationships and cooperation with other departments, such as the accounting department and purchasing department. This can be achieved by holding staff meetings to foster a sense of connectedness and encourage communication
Presepsi Zakat Penghasilan Bagi Pekerja Muslim
Get PDFPenelitian ini bertujuan untuk menganalisa persepsi pekerja muslim terhadap zakat penghasilan sebagai salah satu kewajiban agama dan sekaligus instrumen distribusi ekonomi. Penelitian dilakukan dengan pendekatan deskripstif untuk mengidentifikasi faktor -faktor yang mempengaruhi kesadaran dan pemahaman pekerja terhadap kewajiban zakat penghasilan. Data diperoleh melalui survey terhadap sejumlah responden yang bekerja di berbagai sektor
Analisis Minat Masyarakat Non Muslim tentang Perbankan Syariah dari Tahun Ke Tahun di Indonesia
Get PDFIslamic banks in terms of their current development are not lagging behind with progress as well as conventional banks. Conventional banking that implements an interest system goes side by side with Islamic banking that implements a profit-sharing system. The problem faced by Islamic banks is the low public knowledge about Islamic banking, especially caused by the dominance of conventional banking so that Islamic banking is still underestimated. The purpose of this study is to find out how the public understands Islamic banking in Adi Jaya Village, Flygi Besar District, Central Lampung Regency. This type of research is field research conducted in Kampung Adi Jaya. The nature in this study is a qualitative descriptive method. There are two sources of data in this study, namely primary data sources and secondary data sources. The primary data source is obtained directly from the community, while the secondary data source that the researchers use is in the form of Kampung Adi Jaya documents and from various books. To obtain valid data, researchers use a data collection method, namely interviews. After the data is collected, the researcher analyzes using qualitative data analysis techniques using inductive methods.. The results of field research show that the understanding of the public about Islamic banks in Kampung Adi Jaya is that people only know the existence of Islamic banks but do not understand Islamic banks in detail. Only some people understand about Islamic banks and some even don't know about Islamic banks at all. Most people do not know what products and services are available in Islamic banks. Lack of understanding from the public due to the lack of information obtained from Islamic banks and media such as television, print media and social media which causes people not to know what Islamic banks are and what products are in Islamic banks
BMT NU Menjadikan Pelayanan, Kemudahan, dan Kepercayaan Sebagai Upaya untuk Membangun Persepsi Baik pada Masyarakat Sumenep
Get PDFPerekonomian di kabupaten Sumenep belum mengalami peningkatan secara signifikan. Masih banyak persoalan ekonomi yang perlu diselesaikan oleh oemerintah daerah. Selain peran dari pemerintah daerah juga perlu dukungan dari beberapa pihak untuk meningkatkan perekonomian di kabupaten Sumenep. Penelitian ini bertujuan untuk mengetahui pengaruh pelayanan, kemudahan dan kepercayaan dalam membangun dan meningkatkan persepsi baik di Masyarakat, serta upaya apa saja yang dilakukan oleh para pengelola BMT NU dalam meningkatkan pelayanan, kemudahan dan kepercayaan, sehingga Masyarakat menjadikan persepsi Masyarakat semakin baik. Penelitian ini menggunakan Teknik snowball sampling. Hasil yang didapatkan dari penelitian ini adalah pelayanan, kemudahan, dan kepercayaan berpengaruh positif dan signifikan terhadap persepsi baik masyarakat. Selain itu, BMT NU juga akan terus berupaya untuk meningkatkan pelayanan dan fasilitas untuk mempermudah nasabah melakukan transaksi di BMT NU Jawa Timur.
Kata kunci : Pelayanan, Kemudahan, Kepercayaan, Persepsi Baik, BMT N
Pengaruh Financial Technology dan Literasi Keuangan terhadap Mental Budgeting pada Generasi Zoomers di Kota Bandung
Get PDFPenelitian ini bertujuan untuk mengetahui pengaruh financial technology dan literasi keuangan terhadap mental budgeting pada generasi zoomers di Kota Bandung. Dalam pelaksanaannya penelitian ini, menggunakan metode kuantitatif deskriptif dengan melakukan pengumpulan data yang digunakan yaitu dengan data primer, dengan menyebarkan kuesioner secara online dengan media google form kepada 100 responden. Metode pengolahan data menggunakan microsoft excel dan menggunakan program SPSS (Statistical Program for Social Science) versi 30.0. Alat analisis statistik daya yang digunakan yaitu dengan analisis regresi linear berganda. Hasil pada penelitian dengan melakukan uji t menunjukkan nilai sebesar 3,810 > 1,660, dimana t hitung > t tabel dengan signifikansi 0,001 yang telah dilakukan, maka variabel financial technology berpengaruh positif dan signifikan terhadap mental budgeting, sehingga H1 diterima. Hasil uji t pada variabel literasi keuangan menunjukkan nilai t hitung 3,684 > t tabel 1,660, dengan signifikansi 0,001, maka variabel literasi keuangan yang memiliki pengaruh positif dan signifikan terhadap mental budgeting, sehingga H2 diterima. Berdasarkan hasil uji f (simultan) menunjukkan nilai signifikansi sebesar 0,001, sehingga variabel financial technology, dan literasi keuangan signifikan terhadap mental budgeting sehingga H3 dapat diterima
Pengaruh Kompleksitas Operasi, Reputasi KAP, Ukuran Perusahaan dan Audit Tenure terhadap Audit Delay
Get PDFThe purpose of this study is to examine the influence of operational complexity, reputation of the public accounting firm, company size, and audit tenure on audit delay. The population in this study comes from companies in the property and real estate sectors listed on the Indonesia Stock Exchange in 2020-2023. The sample was determined using the purposive sampling method and was obtained by 65 companies. The analysis tool used to process the data is multiple linear regression analysis. This study provides results that the operation complexity and reputation of the public accounting firm have no effect on audit delay. Company Size has a negative effect on audit delay. Audit tenure has a negative effect on audit delay
Pendampingan Calon Jamaah dalam Memilih Agen Trevel Haji dan Umrah di Desa Talang Prapat Kecamatan Seluma Barat
Get PDFKegiatan pengabdian ini bertujuan untuk mendampingi calon jamaah dalam memilih agen travel haji dan umrah di Desa Talang Perapat, Kecamatan Seluma Barat, Kabupaten Seluma. Latar belakang kegiatan ini adalah rendahnya literasi masyarakat dalam memahami prosedur perjalanan haji dan umrah, sehingga rentan terhadap praktik penipuan. Melalui kegiatan pengabdian masyarakat, dilakukan sosialisasi dan edukasi kepada berbagai unsur masyarakat dengan pendekatan yang mudah dipahami. Kegiatan ini melibatkan observasi awal, sosialisasi bersama pihak travel resmi, serta evaluasi atas pemahaman masyarakat setelah intervensi. Hasil kegiatan menunjukkan peningkatan signifikan dalam pengetahuan masyarakat mengenai travel haji dan umrah, dengan tingkat pendaftaran umrah meningkat dari 6% menjadi 10%. Kegiatan ini juga mengidentifikasi tantangan berupa keterbatasan finansial, tingkat kesibukan warga, serta kesenjangan literasi digital. Secara keseluruhan, program ini memberikan kontribusi nyata dalam meningkatkan kesadaran dan keamanan masyarakat dalam memilih agen perjalanan ibadah secara aman dan terpercaya
Analisis Inklusi Keuangan dan Pertumbuhan Inklusif terhadap Kesempatan Kerja dan Ketimpangan Pendapatan di Indonesia : Menggunakan Pendekatan Panel Simultan
Get PDFThis study aims to analyze the relationship between Financial Inclusion and Inclusive Growth in Indonesia. Financial inclusion is calculated using the Financial Inclusion Index, Inclusive Growth is measured using the Poverty Equivalent Growth Rate (PEGR) method. This study used the Simultaneous Panels data with the ILS (Indirect Least Square) method to analyze the effect of exogenous variables on endogenous variables. Utilizing secondary data, the data in this study is time series and cross-sections from 2019 β 2023.
The results of this study conclude that financial inclusion in Indonesia is still "Low Inclusion" while inclusive growth in employment opportunities shows that Indonesia is in the "Not Pro Jobs" inclusive category and inclusive growth in income inequality is in the "Not Pro Poor Yet" category. The relationship between financial inclusion and inclusive growth leads to a positive and significant relationship to inclusive growth in Indonesia. These findings indicate that financial inclusion can be an important factor in achieving inclusive economic growth in Indonesia