Jurnal Ilmiah Ekonomi Islam
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Analysis of Rahn Law an Islamic Economic Perspective
Get PDFThe development of the Islamic financial system gave rise to Islamic financial institutions, one of whose products is pawnshops. Pawnshops in sharia are known as Rahn which means pawn. Rahn or Pawn is a binding agreement between the creditor and the debtor in a loan and loan transaction by placing collateral on the debt. The purpose of this article is for the Analysis of the Implementation of rahn Law (pawn) in an islamic economic perspective. The method used using a skinative model with an Islamic economic approach and the analysis used is descriptive analysis. The study results show that rahn is allowed in Islamic teachings, its development has also become increasingly prevalent. Rahn is used as an economic support for people in need. The rahn law has also been allowed by islamic clerics and fatwas. However, its activities must be by the conditions, harmony and applicable policies
Analisis Fatwa No. 23/DSN-MUI/III/2002 Tentang Potongan Pelunasan Pembiayaan Murabahah Sebelum Jatuh Tempo Dalam PerspektiF Al-URF
Get PDFThis research aims to analyze Fatwa No. 23/DSN-MUI/III/2002 concerning early repayment discounts in Murabahah financing from the perspective of Al-URF. The main issues addressed in this study include the compatibility between Islamic finance principles and the concept of Al-URF, the influence of Al-URF on the interpretation and implementation of the fatwa, and the implications of Al-URF for Murabahah financing. The objective of this research is to investigate the impact of Al-URF on the understanding and practice of early repayment discounts as outlined in the fatwa. A mixed-method approach will be employed, combining qualitative and quantitative methods. The research will involve analyzing the fatwa, Islamic finance literature, case studies, and empirical data. The findings of this study are expected to contribute to the ongoing discourse on the integration of Islamic finance principles with contemporary financial practices, highlighting any discrepancies or gaps in the understanding and application of early repayment discounts in Murabahah financing from the perspective of Al-URF
Pengaruh Knowledge Sharing Terhadap Perilaku Inovatif Islamic Melalui Work Engagement Sebagai Variabel Intervening (Studi pada Pengrajin Batik di Desa Wisata Batik Lendah, Kulon Progo)
Get PDFDalam lingkungan yang kompetitif, globalisasi dan perubahan teknologi yang cepat, inovasi merupakan fasilitator penting untuk pertumbuhan bisnis. Penelitian ini dilakukan dengan maksud dan tujuan untuk mengetahui, menganalisis dan menguji pengaruh tacit knowledge sharing dan explicit knowledge sharing terhadap perilaku inovatif melalui work engagement sebagai variabel intervening dan studi ini dilakukan pada pengrajin batik di Desa Wisata Batik Lendah. Pengambilan sampel pada penelitian ini yaitu menggunakan teknik purposive sampling. Penelitian ini dilakukan terhadap 105 pengrajin batik di Desa Wisata Batik Lendah. Hasil penelitian menunjukan tacit knowledge, explicit knowledge, work engagement memiliki pengaruh terhadap perilaku inovatif dan tacit knowledge, explicit knowledge memiliki pengaaruh terhadap work engagement
Pengaruh Telework Terhadap Employee Perfomance Melalui Mediasi Work-Life Balance dan Technostress Syaria Pandemi Covid 19
Get PDFTelework practices as a result of COVID-19 have changed the way employees work, especially related to Employee Performance. This study aims to determine, analyze and test the effect of telework on employee performance through mediation of work-life balance and technostress during the COVID-19 pandemic. This study adopted a quantitative approach with 115 respondents, and used the SmartPLS 3.0 application to help process data using the SEM-PLS analysis technique. The results of the study show that Work-Life Balance does not have a significant mediating effect on the relationship between Telework and Employee Performance during the COVID-19 Pandemic
Analisis Model UTAUT (Unified Theory Of And Use Of Technology Syaria) Pada Pengguna Qris di Kota Semarang
Get PDFTechnological development in Indonesia is currently providing convenience for doing transactions especially in big cities. The aim of this research is to analyze the application of UTAUT (Unified Theory of Acceptance and Use of Technology) Model in order to improve positive attitude and behavioral intention to use QRIS as transaction tool. The total of sample used on this research is 239 samples and analyzed using SEM (Structural Equation Modeling) technique. The result of this study shows that Performance Expectancy, Effort Expectancy and Facilitating Condition have significant effect toward Attitude. Effort Expectancy and Facilitating Condition also have significant effect on Behavior Intention to use QRIS, meanwhile Performance Expectancy does not have significant effect on Behavioral Intention. Attitude gives significant effect on Behavioral Intention and also mediate the impact of Performance Expectancy, Effort Expectancy, and Facilitating Conditions on Behavior Intention to use QRIS for Transaction
Analisa Penerapan Entrepreneurial Marketing Syaria dan Dampaknya Terhadap Kinerja Usaha (Studi Pada Pelaku Usaha UMKM Kerajinan Keramik di Banjarnegara)
Get PDFThis study aims to analyze the application of entrepreneurial marketing and its impact on business performance (Study on Micro, Small and Medium Enterprises Entrepreneurs in Banjarnegara). The qualitative method uses the question model "how" and "why" related to a phenomenon, while the quantitative method is more in the form of questions in the opposite form. The qualitative method is also a method that focuses on in-depth observation. Based on the results of interviews and documentation studies, it can be concluded that the majority of business actors have implemented proactiveness in running their business, although not all of them have implemented it optimally. In general, the informants have understood the concept of opportunity focus and have applied it quite well to their respective businesses. All sources are aware of how their respective business positions are compared to their competitors. And each business actor has a strategy for running his business, even when one of the informants experienced a setback in his business, now he is trying to get up and restart his business slowly by implementing an opportunity focus. Based on the results of the interviews, it can be concluded that all the informants have understand what entrepreneurial marketing is and have implemented customer intensity or the ability to maintain good relations with consumers properly. Based on the results of the interviews, most of the Banjarnegara ceramics business actors are aware of the importance of having an open mind towards new ideas in finding new customers, determining prices, and also packaging. However, almost all interviewees have not implemented innovation in running their business to the fullest. Judging from the results of the interviews, the application of risk taking to Banjarnegara ceramic entrepreneurs is quite good. Based on the results of the interviews, it appears that the interviewees are aware of and understand the potential of their human resources. Based on the interview results, all interviewees agreed that implementing value creation in doing business is very important
Penguatan Industri Halal Melalui Women’s Entrepreneurship Pada Umkm Di Wilayah Pesisir Kota Bengkalis
Get PDFThe halal industry has a strategic role in improving the economy. The halal industry contributes USD 3.8 billion to Indonesia's Gross Domestic Product (GDP) annually. Bengkalis Regency is one of the regencies in Indonesia that has great potential for the development of the halal industry in coastal areas, moreover according to 2020 data from the Central Statistics Agency, Bengkalis Regency has 6,354 MSMEs which is the second largest in Riau Province. In Indonesia, women's entrepreneurship is a valuable contributor to the renewal and development of the domestic economy. According to a statistical report from the Central Bureau of Statistics, out of 2 million micro business units, 40.8% are controlled by women. This study uses a binary logistic regression model to determine what factors influence the decision of women entrepreneurs to obtain halal certificates. The results of this study found that ownership of halal certificates in MSME women entrepreneurs in Bengkalis Regency was influenced by age, number of children under five, average monthly income and interaction variables between type and length of business. While the factors of education, labor, length of business, human capital, and business performance do not significantly influence the ownership of halal certificates in MSMEs in Bengkalis Regency
Studi Komparasi Efisiensi Bank Syariah dan Bank Konvensional Sebelum dan Selama Pandemi COVID-19
Get PDFPenelitian ini bertujuan untuk menganalisis dan membandingkan efisiensi kinerja bank syariah dan bank konvensional di Indonesia sebelum dan selama pandemi COVID-19. Penelitian ini menggunakan data sekunder yang berasal dari laporan keuangan 10 bank konvensional dan 10 bank syariah dari tahun 2017 sampai tahun 2022. Data tersebut dibuat triwulanan dan dianalisis menggunakan Data Envelopment Analysis (DEA). Hasil penelitian ini menunjukkan bahwa tidak terdapat perbedaan efisiensi antara bank syariah dan bank konvensional sebelum dan selama pandemi COVID-19. Pandemi COVID-19 memberikan dampak bahwa baik bank syariah maupun bank konvensional sama-sama mengalami penurunan efisiensi selama pandemi COVID-19. Dengan kata lain pembatasan mobilitas selama pandemi COVID-19 memberikan dampak yang sama terhadap kedua jenis bank. Penelitian ini juga menemukan bahwa biaya tenaga kerja dan promosi merupakan biaya yang paling tidak efisien penggunaannya selama pandemi COVID-19 baik pada bank syariah maupun bank konvensional
Pengaruh Penggunaan Fitur Shopee Pay Terhadap Perilaku Konsumsi Islam
Get PDFThis study aims to determine the effect of using the shopeepay feature on Islamic consumption behavior in the people of Gorontalo. Exogenous variables in this study, namely convenience, safety, and lifestyle and endogenous variables, namely, Islamic consumption behavior. The research method used is quantitative with multiple linear regression analysis data using EViews 12 Software. The results show that the convenience of the shopeepay feature has a positive and significant effect on Islamic consumption behavior, the safety of the shopeepay feature does not have a significant effect on Islamic consumption behavior, lifestyle has a significant effect on consumption behavior Islam
Analisis Pengaruh Perilaku Konsumtif Dan Tingkat Pendapatan Terhadap Online Shopping Pada E-Commerce Shopee Dalam Perspektif Ekonomi Islam
Get PDFThe purpose of this study was to analyze the effect of consumptive behavior and income levels on student online shopping at Shopee e-commerce. This research uses quantitative methods. The total population in this study was 325 people. The sampling technique in this study was obtained using a purposive sampling method. Purposive sampling is a sampling technique with certain considerations. Based on purposive sampling, the respondents taken in this study were Active Students of FAI at Pelita Bangsa University who worked and had or often used Shopee e-commerce as a shopping medium, resulting in 80 samples by calculating the slovin formula. The data used in this study are primary data obtained by distributing questionnaires. Partial Least Square (PLS) with the help of the SmartPLS version 4.0 application is used as data analysis in this study through three stages of testing, namely: evaluation of the measurement model (outer model), evaluation of the structural model (inner model) and hypothesis testing. The results of the study show that consumptive behavior has a positive and significant effect on online shopping. Income level has a positive and significant effect on online shopping. Consumptive behavior and income levels simultaneously influence online shopping with an R-square value of 0.591 or 59.1% and an adjusted R-square of 0.581 or 58.1%