Jurnal Ilmiah Ekonomi Islam
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Peran Zakat dan Pembiayaan Syariah bagi UMKM dalam Mewujudkan Sustainable Development Goals (SDGs)
Get PDFThis research is motivated by the importance of realizing the Sustainable Development Goals (SDGs). This study aims to find out and analyze the Role of Zakat and Sharia Financing for MSMEs in Realizing Sustainable Development Goals (SDGs). This research is a descriptive research with a qualitative approach. This research uses field research and library research.. Sources of data in this study are primary data and secondary data. The population of this study were ZIS fund managers (Zakat, Infaq, and Sadaqah within the National Zakat Amil Agency (BAZNAS) of Bandar Lampung City and BSI employees of Bandar Lampung City. The sample in this study were 5 BAZNAS staff of Bandar Lampung City and 5 employees BSI City of Bandar Lampung Data collection techniques in this study used observation, interviews and documentation The data collected was then processed and analyzed qualitatively The results of this study explain that 1) the role of zakat is to distribute and utilize zakat funds to increase people's income so that they can used as capital to establish MSMEs, and 2) the role of sharia financing, which is to assist MSME players in meeting their capital needs so that the business they run can develop and have an impact on their welfare
Fenomena Minat Masyarakat Indonesia Pada Forex Online ; Bagaimana Sudut Pandang Syariah ?
Get PDFThe development of technology has shifted the pattern of forex transactions from corporate to retail, currently the interest of the Indonesian people is quite high in forex investment, but on the other hand there are also many investors who have failed, this article aims to find out how high the risk of investing through online forex applications. The research method used is a descriptive qualitative method, by conducting a literature review of various articles searched through published and perished applications, Google Scholar, and Google, the result obtained is that forex transactions have a very high risk, the majority of investors, especially beginners, fail in this business, besides that from the sharia side, forex transactions are only allowed to be limited to spot transactions and forward agreements, While transactions made on online applications are not intended for such transactions, so what is transacted in online forex applications is most likely an illegitimate transaction, besides that the investor's purpose is only to take advantage of the difference in value, not for the purpose of foreign trade, forex transactions on this online application are more speculation based on possible possibilities so that these activities can be categorized as usury and gambling, The high interest of the public, including Muslims, in online forex transactions is due to the high possibility of profits that can be obtained, and the lack of risk accountability, this happens due to the lack of level of knowledge related to Islamic risks and financial literacy, especially in the field of forex
Strategi Pemasaran Pegadaian Syariah di Kota Jambi
Get PDFThis thesis aims to: (1) Know the marketing strategy that has been carried out by Islamic Pawnshops in the city of Jambi, (2) Know the obstacles faced by Islamic Pawnshops in the city of Jambi in carrying out the marketing strategy, (3) Know the solutions of Islamic Pawnshops in the city of Jambi in executing a marketing strategy. This study uses a qualitative method. The method used to collect data in this study is through interviews, observation and documentation. The results of this study are (1) The marketing strategies that have been carried out by Islamic Pawnshops in the city of Jambi, namely: Strategies in the fields of product, price, distribution, and promotion, (2) The obstacles encountered occur due to internal and external factors. The internal factors of employees who concurrently serve as human resources at the Jambi City Sharia Pawnshop fully understand Sharia principles, have not yet optimized technology and social media. While external factors are business competition with other financial institutions, the lack of public understanding of Pegadaian Syariah, (3) Solutions in implementing marketing strategies by recruiting HR with more expertise, providing training and coaching to employees and activating social media and launching attractive products for the community . The marketing strategy that has been implemented by Pegadaian Syariah in the city of Jambi has been carried out well, although there are still improvements and improvements in marketing being carrie
Etika Perdagangan dalam Perspektif Islam
Get PDFThe research in this study focuses on a person's ethics in trading practices from an Islamic perspective. Ethics is an important thing to pay attention to in trading practices to maintain good relations between traders and buyers. Through this research, it is hoped that it can show how much Islam upholds ethics in various activities including in trading, where trade is carried out to seek sustenance and make ends meet. This study uses a descriptive-analytical method with literature from several sources, namely books, articles, and previous research results. The research conducted, it shows that Islamic ethics in trading practices have several principles, namely the principle of justice, the principle of free will, the principle of responsibility, and the principle of truth. One of the main things that are upheld in ethics in trading practices is to behave honestly. Honesty that is held by traders will create good socio-economic relations between traders and buyers so that no party is harmed in these trading practices
Pengaruh Faktor Eksternal Dan Internal Terhadap Keputusan Nasabah Menggunakan Produk Pegadaian Syariah Digital Services
Get PDFThis journal aims to perceive influence from religious factor, sharia compliance, service quality, knowledge and promotion towards clients inference in utilizing digital sharia pawnshop products services at the Jelutung sharia pawnshop branch. This research included in causal associative research. In this research there are independent variable (influencing variable) and dependant variable (influenced variable). Based on the used method of research. This research is quantitative. Kind of used data is primary and secondary in which the primary data is obtained through questionnaire distribution with a simple random sampling technique, whereas used secondary data is obtained from the report in which is owned by Jelutung pawnshop. The respondents in this research are focused on the clients of Jelutung sharia pawnshop branch only. As for the analysis used in this research is multiple linear regression with SPSS program assistance. As for several stages which conducted by the research in processing data are validity test, reliability, classic assumption test, T test, F test, and Coefficient of determination test
Pengaruh Modal Usaha dan Product Innovation Terhadap Eksistensi UMKM dengan Digital Marketing Sebagai Variabel Moderating Dalam Perspektif Ekonomi Islam
Get PDFMicro, Small and Medium Enterprises (UMKM) have a contribution to the Gross Domestic Product (GDP). This continues to increase from year to year, but has decreased during the Covid-19 pandemic. During the Covid-19 pandemic, namely in 2020-2021, all sectors experienced an economic crisis, including UMKM. The existence of the Implementation of Community Activity Restrictions (PPKM) resulted in UMKM experiencing a decrease in turnover of up to 80-90% during the co-19 pandemic. Business actors are still faced with a common problem, namely that business is hampered due to slow capital turnover, especially during the co-pandemic. Therefore, to develop UMKM Coffee Shops in Bandar Lampung, it is necessary to have additional Business Capital and Product Innovation to develop their business, accompanied by Digital Marketing as a moderation medium for the development of UMKM Coffee Shops in Bandar Lampung. Based on this, the formulation in this study is Does Business Capital have an influence on the development of UMKM in Bandar Lampung City with Digital Marketing as a Moderating Variable in the Perspective of Islamic Economics? And does Product Innovation have an influence on the development of UMKM in Bandar Lampung City with Digital Marketing as a Moderating Variable in the Perspective of Islamic Economics? The purpose of this study, to examine and analyze the effect of Business Capital on the development of UMKM in Bandar Lampung City with Digital Marketing as a Moderating Variable in an Islamic Economic Perspective and to test and analyze the effect of Product Innovation on the development of UMKM in Bandar Lampung City with Digital Marketing as a Moderating Variable in Islamic Economic Perspective. The method used in this research is a quantitative research method. The data used in this study is primary data derived from the results of the questionnaire answers that the researchers distributed to UMKM actors in the city of Bandar Lampung. The sample used uses the slovin formula with the results of the sample used by 100 UMKM actors in the city of Bandar Lampung. This study determines how much influence Business Capital has on the Development of UMKM in the City of Bandar Lampung with Digital Marketing as a moderating variable in the Islamic Economic Perspective, which is equal to 62.5%, the rest is influenced by other variables. Meanwhile, the magnitude of the influence of Product Innovation on UMKM development with digital marketing as a moderating variable is 62.4%, the rest is influenced by other variables. Most Coffee ShopUMKM have understood that product innovation is something that is needed so that a business can continue and survive
Pengaruh Tingkat Pengetahuan, Kualitas Layanan, Sosialisasi Produk Dan Literasi Nasabah Terhadap Eksistensi Bank Syariah Indonesia (BSI) di Tapanuli Tengah
Get PDFThis study aims to determine the effect of Knowledge Level, Service Quality, Product Socialization and Customer Literacy Level both partially and simultaneously on the Existence of Bank Syariah Indonesia (BSI) in Central Tapanuli. This research is a type of quantitative research with a causal associative approach. The population in this study is the Muslim community that uses Islamic banking products in Central Tapanuli. The research sample is 100 people using purposive sampling method. The data collection technique used was a questionnaire. The data analysis technique used is multiple linear regression analysis. The results showed that the level of knowledge, service quality, product socialization and customer literacy level had a positive and significant effect on the existence of Bank Syariah Indonesia (BSI) in Central Tapanuli either partially or simultaneously
Peluang Dan Tantangan Perbankan Syariah Di Tengah Maraknya Financial Technology (Fintech) Berbasis Pinjaman Online
Get PDFThe purpose of this research is to show the opportunities and obstacles that exist in Islamic banking in the midst of the development of online loan-based fintech which is widely used by the public due to the ease of applying for loans. This is different from financing in Islamic banking in terms of submitting financing which is not as easy and fast as that offered by fintech. This research uses a qualitative method with data collection techniques through literature study. From the data collected, researchers will compare the opportunities and challenges of Islamic banking in the midst of the development of online loan-based fintech. The results of this research indicate that the opportunity for Islamic banking is to be able to increase access to finance for the unreached public through collaboration with Islamic fintech, attracting, collecting and channeling funds at a broader level, and channeling digital-based Islamic financing. The challenges are in regulating and supervising fintech companies operating within the Islamic banking system, competition with conventional fintech that do not follow sharia principles, and the lack of public education about the differences between loans in Islamic banking and fintech online loans
Pengaruh Marketing Mix 5Cs Terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah Bank Syariah Indonesia Tangerang Selatan
Get PDFThis study aims to analyze the Effect of Marketing Mix 5Cs (Conformity, Character, Commitment, Conscience and Customer Centrism) on Customer Loyalty through Customer Satisfaction of BSI South Tangerang. This research is a quantitative study using Multiple Linear Regression and Sobel Test through Microsoft Excel 2010 and SPSS version 26. The population of this research is BSI South Tangerang customers, 100 respondents were taken as a sample using purposive sampling technique. The results showed that the 5Cs Marketing Mix simultaneously had a significant effect on customer satisfaction and there was a significant effect on customer loyalty. Partially, Conformity has a positive and significant effect on Customer Satisfaction, while Character, Commitment, Conscience and Customer Centrism have no significant effect. Likewise Commitment and Customer Satisfaction have a positive and significant effect on Customer Loyalty, while Conformity, Character, Conscience and Customer Centrism have no significant effect. The results of the Sobel test show that Customer Satisfaction as an intervening variable is able to mediate Conformity to Customer Loyalty, while Character, Commitment, Conscience and Customer Centrism to Customer Loyalty are unable to be mediated by Customer Satisfaction. So this shows that the 5Cs Marketing Mix of Bank Syariah Indonesia (BSI) South Tangerang is quite satisfying but has not been able to increase customer loyalty. Therefore BSI must improve the quality of service to customer needs
Analisis Literasi Wisata Halal Destinasi Lombok Nusa Tenggara Barat
Get PDFThe World Superbike (WSBK) grand event completed at the Pertamina Mandalika International Street Circuit can be used as a momentum to revive halal tourism in Lombok, also known as the Thousand Mosques Island. The challenge that waits is the awareness of the people of Lombok, who still need to be encouraged by exploring their potential. This study aims to analyze the literacy level of halal tourism in Lombok. Data collection was further broken down into data collection, data reduction, data display, and conclusion/verification. The results show that literacy related to halal tourist destinations has not been fully understood by respondents (students) because there are still limited supporting things. However, the implementation of education and promotion efforts has been running, although it needs to be strengthened by other variables outside of this research, such as shifting interest from visual to digital promotio