Jurnal Ilmiah Ekonomi Islam
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Manajemen Pendayagunaan Dana Zakat Oleh Baznas Dalam Mengentaskan Kemiskinan Di Kabupaten Lebak
Get PDFThe Gini Index for Indonesia rose from 0.381 to 0.388 in March 2023. The issue of poverty also remains a concern, impacting roughly 25.90 million people or 9.36% of the total population. To address this problem, Baznas Lebak Regency has adopted a policy in line with Regional Regulation No. 11 of 2005 article 17. The policy focuses on adherence to religious regulations, prioritizing mustahik (eligible recipients), and seeks input from local government. The Revolving Capital Fund program at Baznas Lebak is supported by infaq and sadaqah funds, adhering to the principles of Islamic fiqh, instead of zakat funds. Baznas Lebak is positioned in quadrant V for program development, with an EFI total score of 2.68 and an EFE total score of 2.59
Analisis Multiakad dalam Gadai Sawah Pendekatan Emik
Get PDFThis article aims to analyze the practice of hybridcontract in rice field pawn contracts based on an emic perspective. The research method used is qualitative and the data source is taken from interviews with the parties involved in pawning. The type of data in this research is qualitative data. Data collection techniques were carried out through observation and interviews with the parties involved in pawning rice fields. The data analysis technique is carried out by explaining the implementation of pawning rice fields and then analyzing it using an emic approach. Based on research conducted, it shows that hybridcontracts in rice field pawning take place when the pawned rice field is then managed by the rice field owner, then the harvest obtained is divided between the rahin and murtahin based on the agreement at the beginning of the contract. This practice contains two contracts, namely a pawn contract and a rent or maro contract. This aims to protect the rights of the pawnbroker as the holder of the margin. The implementation of gadai maro provides benefits for rahin and murtahin, which is fairer for both parties according to the pawn actor
Optimizing Sharia Bank Digitalization Efforts to Improve the National Economy and Human Resources in the Industrial Era 4.0
Get PDFThe movement of the community's economic structure experienced a very drastic decline in line with the spread of the COVID-19 virus. The Covid-19 pandemic has become a driving force for digitalization in almost all sectors, including payment systems. Digitalization of the payment system is considered to be the key to accelerating national economic recovery in addition to the COVID-19 vaccination program. This research aims to find out how the Digitalization of Sharia Banks Promotes National Economic Recovery during the COVID-19 pandemic. The research method used by the author in preparing this article is a literature review or literature study that contains theories that are relevant to the research problems. Several digital services can be put forward to encourage the acceleration of increasing sharia financial inclusion in Indonesia such as digital payment systems, peer-to-peer lending, and branchless banking. Increasing Sharia financial inclusion itself is carried out because it has a direct impact on improving the welfare of people who use digital-based Sharia financial services and products. Digitalization of Sharia banking can be the key to encouraging national economic recovery. The convenience of digital transaction services facilitates bank transaction activities amidst the limited mobility of community activities. So it cannot be denied that the Sharia banking industry has experienced an increase through digital banking services even though it has been hit by a crisis due to the COVID-19 pandemic
Concept of Scarcity in Conventional Economics; A Critical Analysis With Islamic Economic Perspective-Konsep Scarcity Dalam Ekonomi Konvensional; Sebuah Analisis Kritis Dengan Perspektif Ekonomi Islam
No full textThis scarcity issue is still a hot topic every year. In conventional economics, scarcity is defined as a lack of natural resources that can be used and utilized by a society, which ultimately leads to a riot and insatisfaction with the needs of a society. Deficiency is seen as a problem that has yet to be solved in its economic activities. They divide the type of deficiency into two types: absolute deficiency and relative deficiency. While Islamic economics does not recognize the type of deficiency that is absolute. In Islam, the absolute is the abundance of resources, but what is to be limited is the human desire. Islam only knows the relative deficiency caused by the desires of humans that exceed the use of the existing resources. In this study, the author will criticize the concept of scarcity in conventional economics using critical analysis from the perspective of Islamic economics. This research uses the method of library research, which collects data from quoting and analyzes it against various pieces of literature that have relevance to the issues discussed, then reviews and concludes. The results of this study show a very fundamental difference between the concept of scarcity in conventional economics and the Islamic concept. The Islamic economy does not recognize the kind of deficiency that is absolute in nature. In Islam, the absolute is the abundance of resources, but what is to be limited is the human desire. Islam only knows the relative deficiency caused by the desires of humans that exceed the use of the existing resources. In the Islamic perspective, the human condition should not be lack or poverty, but well-being and abundance. Being abundant means that the real condition is sufficient to satisfy all the needs of man; this is the natural condition of the world and not something to be anticipated or expected
The Role of Al-Mizan by Al-Ghazali in Fraud Prevention
Get PDFThere are still many cases of fraud in Indonesia and some of them result in significant losses for the country. These fraud phenomena, especially in Indonesia, illustrate the poor ethical practices of accountants as preparers of financial reports. Even though Indonesia already has an Indonesian Code of Ethics for Accountants which regulates the ethics of the accounting profession in Indonesia, there is still a lot of unethical behavior. One assumption is that the loss of ethical behavior is due to the lack of religious values in accountants which results in accountants not being able to differentiate between good and bad. This research, using the library research method, aims to raise the value of religiosity, especially according to Al-Ghazali in his book Mizan al-'Amal-or Al-Mizan, with the ethics of an accountant in complying with a code of ethics and avoiding fraud. In Al-Mizan, Al-Ghazali emphasized that with this connection a person can have more awareness of ethics. Because this will encourage a person to only do things recommended by God, which of course leads to good things such as compliance with regulations and avoids bad actions such as fraud
Perubahan Capital Aset Pricing Model, Risiko, dan Efisiensi: Triger Unit Asuransi Full-Pledge Syariah
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This research aims to analyze changes in capital asset values, risk levels, and efficiency as triggers for sharia insurance units to immediately provide full sharia guarantees. The method used is a quantitative method using financial ratios, Capital Asset Price Model (CAPM), and Financial Ratios. CAPM is used to find stock returns, financial ratios for risk and level of return. The results show that there is a change in PT JMAS stock returns which shows a decline in value. Regarding risk mitigation, the third company demonstrated effective risk control. Jasindo is bolder in taking premium risks, but the company has a strategy to increase the percentage of claims that become liabilities to reinsurance companies. In contrast to the Askrida sharia which is more careful in choosing premiums with high risks, this results in claims values that are relatively low and continue to decline. Finally, only the Askrida Syariah company shows a stable value even though the size is not yet significant. ROA growth at Jasando Syariah is less stable in maintaining returns from the use of its assets. There were less stable changes in ROA during 5 periods, 2017, 2018, 2019, 2021 and 2022.
Peran Bank Wakaf Mikro Syariah dalam Pemberdayaan Ekonomi Masyarakat (Studi Empiris BWM Ponpes Mawaridussalam)
Get PDFThe problem of poverty and economic inequality has always been a major problem in the presence of social disparities in Indonesian society. The role of financial institutions in the distribution of funding and financing has an important role in empowering the economic activity of the community. This research aims to find out the role of Bank Wakaf Micro Shariah Pondok Pesantren Mawaridussalam in Economic Empowerment of the Society. This study uses qualitative research techniques with a descriptive approach. The types of data used in this study are primary data and secondary data. Data collection techniques are done with observations and interviews. The results of this study show that the role played by Bank Wakaf Micro Shariah Pondok Pesantren in empowering the economy of the community around the mansion is by providing financing and support through weekly activities (halmi). The result of the research is that Mawaridussalam is trained through the Wakaf Micro Bank. The Shariah has a role in empowering the community by providing business capital loans for micro-economy, getting rid of rent and interest bars, increasing daily income and adding religious science
Industri Halal Sebagai Solusi Peningkatan Pertumbuhan Ekonomi Di Nusa Tenggara Barat
Get PDFThis research aims to analyze the halal industry as a solution to increase economic growth in West Nusa Tenggara. The research approach uses a qualitative approach with in-depth interview methods. The findings in this research are that economic growth in a province can be increased, one of which is through optimizing the halal industry. By optimizing sharia-based industry, it will become an attractive brand for investors, tourists and creative economy players to improve the economy in NTB. This labeling of the halal industry must of course be supported by binding and sustainable provincial government regulations. So the existence of a halal park industry roadmap designed by the provincial government really helps accelerate the halal industry so that economic growth in NTB can grow and be strong. The halal industry not only pays attention to halal tourism, halal food, halal cosmetics and medicines but also pays attention to the facilities and infrastructure of the sharia financial industry, where the growth of sharia industrial assets in NTB is currently still relatively slow. The role of the OJK as well as financial and non-bank institutions is very much needed so that this halal industry can develop well
Pengaruh Electronic Word Of Mouth, Product Knowledge terhadap Keputusan pembelian Ramen dengan Halal Awareness sebagai Variabel Intervening
Get PDFRamen is a traditional Japanese food that is favored by the Indonesian people despite the pros and cons regarding the halalness of the product. Ramen is a new menu at Mbokde Cemal-Cemil which causes an increase in consumers. The research was conducted with the aim of describing the characteristics of variables based on the results of field observations, analyzing the effect of electronic word of mouth, product knowledge, halal awareness directly and indirectly on ramen purchasing decisions. This study used 100 samples using the Coachran calculation and was selected purposively. The data analysis method is descriptive analysis and Partial Least Square (PLS) analysis. The results showed that electronic word of mouth, product knowledge, halal awareness directly had a significant influence on purchasing decisions. Electronic word of mouth through product knowledge on purchasing decisions has a significant effect, meaning that product knowledge can mediate electronic word of mouth on purchasing decisions
Pengaruh Daya Tarik Perusahaan, Reputasi Perusahaan, dan Rekrutmen Online Terhadap Minat Melamar Kerja Generasi Y dan Z Muslim Pengguna Platform Tik-Tok Pada PT Kelas Digital
Get PDFThis research aims to determine the influence of company attractiveness, reputation and online recruitment on interest in applying for work using the Tik-Tok application. The population used is GENERATION Y AND Z Muslims aged between 15 and 41 years who use the Tik-Tok application. From the results of these calculations, a sample of 96 people were obtained as respondents. The research was carried out using multiple linear regression analysis tests. Based on the test results, it can be concluded: Company attractiveness has a positive influence on interest in applying for work, company reputation has a positive influence on interest in applying for work, online recruitment has a positive influence on interest in applying for work