rizquna : Jurnal Hukum dan Ekonomi Syariah
rizquna : Jurnal Hukum dan Ekonomi Syariah DOI: https://doi.org/10.56480/rizquna rizquna : Jurnal Hukum dan Ekonomi Syariah dengan Nomor ISSN 2962-3057 (Online) dan ISSN 2962-3847 (Cetak) merupakan jurnal ilmiah yang menerbitkan karya asli dari dosen, peneliti, mahasiswa, dan pihak terkait lainnya yang belum pernah dipublikasikan dalam bentuk artikel ilmiah tentang gagasan konseptual, karya ilmiah atas hasil kajian atau penelitian dan kajian pustaka dalam lingkup Ilmu Hukum dan Ekonomi Syariah. Editor menerima artikel tersebut yang belum pernah dipublikasikan di media lain dengan format penulisan seperti yang tertera pada halaman pedoman penulisan naskah. Jurnal ini berdiri pada tahun 2022, terbit empat kali dalam setahun yaitu pada periode bulan Juli- September, Oktober-Desember, Januari-Maret dan April-Juni yang dipublikasikan secara online maupun cetak. Tujuan jurnal ini adalah untuk publikasi artikel ilmiah yang mencakup kajian-kajian dalam lingkup Hukum Syariah dan Ekonomi Syariah, seperti: Ekonomi Syariah dan Isu-isu Kontemporer Perbankan & Keuangan Islam dan Isu-isu Kontemporer Akuntansi & Manajemen Syariah Hukum Bisnis Islam Industri Halal Kajian dan Pemikiran Hukum Syariah Kontemporer Konstitusi Syariah & Hukum Keluarga Ekonomi dan Pariwisata Dan scope yang masih relevan dan tema-tema tersebut rizquna : Jurnal Hukum dan Ekonomi Syariah by Lembaga Penelitian Ilmiah Citra Pustaka is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. Associations https://journal.citradharma.org/index.php/rizquna/Associations Sponsors Publisher Yayasan Citra Dharma Cindekia Website: https://www. penerbit.citradharma.org Main office: Grobogan, Jawa Tengah, 58114 Branch office : Jalan Kusuma Bangsa II, Kecamatan Kamal, Kabupaten Bangkalan, Jawa Timur email : citra.dharmacindekia@gmail.com
Peran Stakeholder dalam Halal Supply Chain Produk Petis dan Terasi
The halal industry is growing rapidly globally as the Muslim population and consumer awareness of food safety, health, and product sustainability increases. Indonesia has great potential in the development of a halal ecosystem, especially in the seafood-based food sector. Bangkalan Regency, especially Klampis District, is known as a production center for traditional seafood processing such as petis and shrimp paste. These products not only become a local culinary identity, but also have important economic value for coastal communities. However, the implementation of Halal Supply Chain s for petis and shrimp paste products in this region still faces various obstacles, including limited knowledge of business actors on halal standards, high certification costs, traditional production processes, and coordination between stakeholders that is not optimal. This study aims to determine the role of stakeholders including fishermen, collectors, producers, distributors, retailers, consumers, the Halal Inspection Institute (LPH), and the Fisheries Service in the Halal Supply Chain of petis and shrimp paste products in Klampis District. This study uses a qualitative method with a case study approach. Data were collected through in-depth interviews, participatory observations, documentation studies, and field notes, then analyzed thematically using NVivo. The results of the study show that all stakeholders have a role in maintaining halal, cleanliness, and product quality throughout the Halal Supply Chain from upstream to downstream.
Copyright (c) 2025 Dhita Andini, Trischa Relanda Putra, Eni Sri Rahayu Ningsih https://creativecommons.org/licenses/by-sa/4.0
Analisis Biaya Produksi pada Rantai Pasok (Supply Chain) Produk Olahan Hasil Laut Bersertifikasi Halal di Kecamatan Klampis
This study employs a descriptive qualitative approach to analyze production costs within the supply chain of halal-certified processed seafood products in Klampis District, Bangkalan Regency. The region is known as one of the major seafood centers, with thousands of fishermen spread across the coastal areas and an abundant availability of raw materials. This potential serves as a key factor in supporting the growth of halal-certified seafood processing MSMEs. The main objective of this research is to gain an in-depth understanding of production costs among actors within the halal-certified processed seafood supply chain in Klampis District. The findings of this study are expected to serve as a valuable reference for business actors and policymakers in formulating business development strategies based on partnership and economic justice principles. The data used in this study consist of both primary and secondary data. Primary data were obtained through direct interviews with various actors, including fishermen, collectors, suppliers, producers, distributors, retailers, consumers, representatives from the Halal Inspection Agency (LPH), and representatives from the Fisheries Department of Bangkalan Regency. Meanwhile, secondary data were gathered from various relevant sources, both published and unpublished, such as books, documents, photographs, records, and other historical materials. In addition, field observations and documentation were also conducted to strengthen the findings. The data analysis technique employed in this study utilized NVivo 14 software.
Copyright (c) 2025 Rida Irmanda, Trischa Relanda Putra, Eni Sri Rahayu Ningsih https://creativecommons.org/licenses/by-sa/4.0
Implementasi Metode Ijtihad Ulama’ Dalam Bahtsul Masa’il Nahdlatul Ulama’
Nahdlatul Ulama is a religious and social organization that follows the Ahlussunnah wal Jama’ah ideology and adheres to one of the four schools of Islamic jurisprudence: Hanafi, Maliki, Shafi’I, and Hanbali. In issuing legal rulings, NU has a platform called Bahtsul Masa’il. Bahtsul Masa’il is a forum that discusses and resolves thematic issues (maudu’iyah) as well as actual issues (waqi’iyah) that require legal certainty and serve as responses to emerging problems or reactions to existing conditions within the organization (Jam’iyyah) or the community. NU has a platform called Bahtsul Masa’il. Bahtsul Masa’il is a forum that discusses and resolves thematic issues (maudu’iyah) as well as actual issues (waqi’iyah) that require legal certainty and serve as responses to emerging problems or reactions to existing conditions within the organization (Jam’iyyah) or the community. The expectations of the NU community regarding the role and function of Bahtsul Masa’il in seeking legal certainty are very high. Various issues arise, whether they pertain to masa’il diniyyah maudu’iyyah (thematic religious issues) or masa’il diniyyah waqi’iyyah (daily religious issues). Therefore, it naturally becomes the duty of Bahtsul Masa’il to issue fatwas in response. However, as times have developed and changed rapidly, bringing about new issues, the effectiveness and credibility of Bahtsul Masa’il have come into question, with many masa’il diniyyah (religious matters) remaining unresolved or even reaching a deadlock (tawaqquf). This situation calls for improvements in the method of determining or discussing issues, which is still seen as lacking in systematic approach and has many weaknesses.
Copyright (c) 2024 Masyhudan Dardiri https://creativecommons.org/licenses/by-sa/4.0
Strategi Pendidikan dan Pelatihan untuk Pengembangan SDI di BPRS Bumi Rinjani Kepanjen
Training and education are a major part of an organization's strategy to improve employee performance and expertise. This research highlights the importance of human resource management (HRM) in effective HRM and the factors that influence the success of training programs at BPRS Bumi Rinjani Kepanjen. The method used is qualitative with a descriptive approach, using primary data from interviews and secondary data from relevant literature. The results showed that ongoing education and training programs are important to create a conducive work environment and improve employee competence. SDI development strategies at BPRS Bumi Rinjani include annual training tailored to the needs of each division, as well as post-training evaluations to ensure the application of the knowledge gained. Success factors for training programs include designing relevant materials, selecting competent organizers, participant engagement, and employee willingness to apply new skills. Optimizing these factors is expected to improve overall company performance.
Copyright (c) 2024 Diana Istiqomah Aris, Yuliyanti M. Manan https://creativecommons.org/licenses/by-sa/4.0
Peran Masyarakat Lokal dalam Pengelolaan dan Pengembangan Wisata Bahari di Sungai Pisang
Local leadership in Nagari Sungai Pisang and Kelurahan Bungus Teluk Kabung Selatan encompasses the active involvement of the local community in managing the tourism sector and developing marine tourism in the area. This form of indigenous leadership highlights the importance of community-driven initiatives, ensuring that tourism projects align with cultural values and environmental needs. Key activities include engaging the community in decision-making, implementing sustainable practices, building local capacity, preserving cultural heritage, ensuring equitable economic benefits, and fostering partnerships with external stakeholders. Through these efforts, local leadership plays a crucial role in creating a sustainable and vibrant tourism sector that benefits both residents and visitors alike.
Copyright (c) 2024 Rahmad Gumanti, Desna Aromatica, Ria Ariany https://creativecommons.org/licenses/by-sa/4.0
Implementasi Gaya Leadership Islami Dalam Memotivasi Pegawai Bank Syariah Indonesia KCP Surabaya Diponegoro
Bank Syariah Indonesia KCP Surabaya Diponegoro which is a bank financial institution which has the task of collecting and distributing financing. As one of the institutions that has an important role in capital, of course indirectly, employees of Bank Syariah Indonesia KCP Surabaya Diponegoro have duties and responsibilities, and have targets for each period to be able to collect or provide financing to the community, which of course is not easy, the leadership factor is very important. necessary to motivate employees to carry out their assigned duties and responsibilities. The purpose of this research is to analyze the implementation of the Islamic leadership style applied and how this leadership style can increase the work motivation of employees of Bank Syariah Indonesia KCP Surabaya Diponegoro. In this research, qualitative research methods were used, data collection techniques used observation, interviews and documentation methods. Based on research results, the Islamic leadership style applied at Bank Syariah Indonesia KCP Surabaya Diponegoro is a Democratic leadership style typology. This leadership style is good at increasing employee motivation, this is proven by the existence of a harmonious, open work environment and providing good motivation and appreciation to subordinates.
Copyright (c) 2024 Arie Firmansyah; Firman Setiawan https://creativecommons.org/licenses/by-sa/4.0
Studi Kelayakan Bisnis Dalam Perspektif Islam Pada UMKM Melalui Inovasi Produk Stik Lele di Desa Kasang Kota Karang
A feasibility study is useful when making decisions about a planned business idea. To determine whether a business is viable or not, several factors must be considered, and the company must meet certain value standards. The objective of this research is to identify and explain the feasibility level of Micro, Small, and Medium Enterprises (MSMEs) in the context of "stik lele" (catfish satay) from the perspective of Islamic economics, considering both marketing and production elements. The author employs a qualitative approach using interview, observation, and documentation methods relevant to the researched issue to uncover these problems. The research results indicate the feasibility level of micro, small, and medium enterprises, as viewed from the perspective of Islamic economics, considering marketing and production aspects.
Copyright (c) 2024 Ary Dean Amri, Widia Maharani, Jihan Luqyana Putri, Serli Asmara, Agus Purnomo https://creativecommons.org/licenses/by-sa/4.0
Perspektif Ekonomi Sumber Daya Alam Lingkungan Islam Terhadap Program Inovasi Desa Kasang Kota Karang
This research examines the innovation program in Desa Kasang Kota Karang from the perspective of the economic and environmental natural resources of Islam. Desa Kasang Kota Karang is one of the regions in the Jambi province that has a village innovation program. The research method employed is descriptive qualitative. Data collection for this study was conducted through interviews with research subjects. The qualitative approach seeks to understand phenomena related to the research problem, encompassing the subjects' behaviors, perceptions, motivations, and actions in a holistic manner. The research findings conclude that: a) The perspective of the Islamic economic and environmental natural resources aims to achieve integrated village development, based on natural resources and the creative power of the community, being selective and sustainable; b) The role of the innovation program in Desa Kasang Kota Karang in village development and community empowerment includes 1) community economic development, 2) enhancement of human resource quality, and 3) rural infrastructure fulfillment and improvement; c) The community participation in Desa Kasang Kota Karang in the development of the village innovation program is very high, involving activities such as the development of community-based organizations.
Copyright (c) 2024 M Rafiqi, Fikri Habibillah, Moch Ichsan Al- Ubaidah Maulana, Nisa Aulia Putri https://creativecommons.org/licenses/by-sa/4.0
Analisis Manajemen dan Strategi Pasar Saham PT Mayora Indah, Tbk dan PT Japfa Comfeed Indonesia, Tbk
Stocks are one of the most frequently traded instruments in the capital market, and investors must be aware of the conditions of the companies in which they invest their capital. The aim of this research is to study the conditions and characteristics of a company using commonly employed fundamental analysis aspects, including an examination of the business environment, strategy, accounting, financial ratios, and prospective analysis. In this study, a quantitative descriptive method is utilized. Additionally, the research employs secondary data derived from the financial reports of the selected companies, namely PT Mayora Indah Tbk and PT Japfa, for the period from 2020 to 2022. The findings of this research indicate that the stock price of PT Mayora Indah Tbk is in an overvalued condition. Therefore, the recommended investment decision is to sell the shares of PT Mayora Indah Tbk currently held or to refrain from purchasing PT Mayora Indah Tbk shares until the market price approaches its intrinsic value.
Copyright (c) 2023 Ramadani Asriani Putri, Dwi Seftia Sumantri, Ramadhan Suryadi, M.Rafly Risqi Ardianto, Soekarno Putra, Ananda Wahitora https://creativecommons.org/licenses/by-sa/4.0
This research starts from a misunderstanding of society in doing good deeds, which is due to a lack of knowledge in doing good deeds, there are often obvious mistakes among religious people, so it is not surprising that they think they feel lacking in their sustenance, which makes them hope for other than Allah. because human nature is like that, the purpose of this article is to remind us of what is required of us regarding providing for a living, and what Allah and His Messenger forbid in terms of providing for a living. In this case, it is also not arbitrary, there are terms and conditions as well as arguments that require and prioritize What is more important, this is not a trivial matter, but there are provisions that will be studied in this article with some of the highlights that I have summarized. This method is taken from the legal estimate method of the Qur’an and hadith
Copyright (c) 2023 Raihan Zulfikar, Rachmad Risqy Kurniawan https://creativecommons.org/licenses/by-sa/4.0
Organ transplantation is one of the medical advancements aimed at alleviating human suffering and enhancing the quality of life for patients. However, it has sparked discussions and debates, particularly concerning legal and religious aspects. Over time, numerous issues have arisen, some of which are in conflict with Islamic law, as many individuals exploit opportunities for organ transplantation transactions. Presently, organ transplants have become commonplace due to socioeconomic disparities and other factors, with little regard for established rules and Islamic law. From the perspective of Islamic law, organ transplantation is considered impermissible, a viewpoint that is based on the consensus (ijma) of scholars and rooted in Quranic guidance, particularly in Surah Al-Ma'idah, verse 32. This prohibition stems from the belief that organ transplantation activities violate or run counter to Islamic principles. Such procedures may also pose a threat to one's life and, in essence, undermine the sanctity of Allah's creation. Consequently, in this context, I will elucidate the legal aspects of organ transplantation transactions in Islamic jurisprudence.
Copyright (c) 2023 Rahma Nur Aulia Rahma, Rachmad Risqy Kurniawan https://creativecommons.org/licenses/by-sa/4.0
Transgender dan Khuntsa dalam pandangan islam
Discussion of Transgender is an issue that is being widely discussed among the general public. This article discusses the prohibition of Transgender according to Islamic views, where gender change does not only occur among non-Muslims, even some Muslims also do this. Transgender does not occur because of a mental disorder, nor does it require therapy. It is not uncommon for us to hear news about a man who changed his gender to become a woman for certain reasons, and vice versa. That's why there are many differences of opinion regarding the Transgender issue. Regarding Transgender, many people think that Khuntsa is the same as Transgender, even though Khuntsa and Transgender are very different. If Transgender is a term that describes someone whose gender identity does not match the sex they were assigned at birth, then Khuntsa is a person who has two genders at once when he is born or even has no genitals at all. This research uses a qualitative-descriptive method whose research material is based on the Al-Quran and Hadith. The results of this research conclude that some scholars forbid someone from changing their physical appearance in any way, except for perfection or gender determination, as in the case of a khuntsa, so the law is permissible.
Transgender, Khuntsa, Ulama, Islam, Law, Al-Quran
Copyright (c) 2023 Ulfia siregar Fia, Rachmad Risqy https://creativecommons.org/licenses/by-sa/4.0
Pembiayaan Mudharabah Di KSPPS BMT Bina Ummat Sejahtera Cabang Cukir Pada Pemberdayaan UMKM Perspektif Islamic Economics
KSPPS BMT Bina Ummat Sejahtera (BUS) Cukir Branch plays an important role in empowering MSME actors by providing mudharabah financing in the hope of achieving positive results and experiencing developments in their business. Empowerment aims to increase income and meet their primary and secondary needs, so that their welfare also increases. This study aims to explore more in-depth information about the role of mudharabah financing at KSPPS BMT BUS in empowering MSMEs in Jombang Regency from an Islamic economic perspective. This research uses a qualitative method with a case study approach. The results showed that the positive impact of the role of mudharabah financing is the increasing level of welfare of MSME actors, who can better fulfill their life needs. With the assistance through mudharabah financing, MSME players can develop their businesses better and achieve more sustainable economic progress. So that based on a comprehensive approach, it can be concluded that KSPPS BMT BUS Cukir Branch has succeeded in empowering MSMEs in Jombang Regency, encouraging economic growth, and improving the welfare of MSME players.
Copyright (c) 2023 Nurzulifah Maulidah; Masyhudan Dardiri https://creativecommons.org/licenses/by-sa/4.0
Penerapan Digital Marketing dalam Meningkatkan Penjualan UMKM Kabupaten Lamongan Ditinjau Dari Perspektif Pemasaran Syariah
In the era of globalization, the development of the business world is becoming increasingly rapid, including the establishment of Micro, Small and Medium Enterprises (MSMEs). With the development of MSMEs can improve the economy in Indonesia. One way to develop MSMEs is to implement digital marketing. Therefore, the research conducted wanted to find out how the application of digital marketing in increasing sales is in accordance with a sharia marketing perspective. The research was conducted using qualitative methods with a descriptive approach. This is done by observing directly by conducting interviews and observations of MSMEs in Lamongan Regency. The results of this study indicate that the application of digital marketing carried out by MSME actors in Lamongan Regency is in the form of marketing through social media such as Facebook, Instagram, Tiktok, and WhatsApp, as well as local online motorcycle taxis. With digital marketing, MSMEs can promote their products quickly so they can increase sales. This is proven that by implementing digital marketing, sales increase. These MSME actors have also applied the principles of marketing sharia including the principles of Rabbaniyah, Akhlaqiyah, Al-Waqi'iyyah, and Al-Insaniyyah.
Copyright (c) 2023 Itan Naya; Luluk Hanifah https://creativecommons.org/licenses/by-sa/4.0
Pembiayaan Qardhul Hasan Pada Kesejahteraan Masyarakat Lingkup Pesantren Era Disrupsi Perspektif Islamic Economics
The entry of the disruption era changed the system and order of life in society, so that many community jobs were replaced by technology. The emergence of Tebuireng Mitra Sejahtera Micro Waqf Bank is expected to be a solution for the welfare of the community around the boarding school. The research aims to find out the implementation of qardhul hasan financing empowerment on the welfare of the community around the pesantren in the era of disruption in an Islamic economic perspective. The method in the research uses a qualitative descriptive approach. The results showed that the implementation of qardhul hasan financing empowerment in the pesantren community in the disruption era had a positive impact on increasing income in accordance with material welfare indicators. It is also proven by the assistance material provided at the time of HALMI to improve the quality of religion, soul, intellect, offspring, and material in people's lives, so that the elements of worldly and afterlife welfare are fulfilled. It can be concluded that qardhul hasan financing in BWM has a positive impact on community welfare in the disruption era.
Copyright (c) 2023 Ratna Dea Febrianti; Masyhudan Dardiri https://creativecommons.org/licenses/by-sa/4.0
Peran Psychological Empowerment Guna Meningkatkan Kinerja Karyawan Universitas KH. A. Wahab Hasbullah
Psychological Empowerment or psychological empowerment is a psychological state described in four sets of cognitions which include meaning, competition, self-determination, and impact. Psychological empowerment helps the development of employees and lecturers to become more effective in an educational institution through the social interactions that occur within it. Therefore, this study examines the role of Psychological Empowerment in order to improve the performance of employees and lecturers and help them become more active in an educational institution through the social interactions that occur within it. The author contributes to researching and further understanding the performance of lecturers and staff at KH University educational institutions. A. Wahab Hasbullah uses a qualitative methodology to obtain information by way of describing, analyzing, and further surveying an educational institution to improve the performance of an institution. The type of qualitative approach used is the phenomenological method, the subjects are mostly lecturers and employees because respondents play an important role in improving the performance of an educational institution.
Copyright (c) 2023 Himah Firari, Arivatu Ni'mati Rahmatika https://creativecommons.org/licenses/by-sa/4.0
Faktor yang Mempengaruhi Perilaku Konsumen dalam Keputusan Pembelian Jilbab Rabbani pada Siswi SMA Negeri 1 Karangjati
The Rabbani brand headscarf is very popular and well-known among high school students, especially SMA Negeri 1 Karangjati so that the majority of students wear this headscarf, there are many factors that can influence students in buying this headscarf, therefore this study aims to analyze the factors that influence consumers in making purchasing decisions for the Rabbani brand instant headscarves, a study on female students of SMA Negeri 1 Karangjati Ngawi. This study uses a descriptive quantitative approach. The data used are primary and secondary data. The number of variables studied is 8 variables. The analysis technique used is exploratory factor analysis in which there are five stages, namely problem formulation, correlation matrix creation, factor extraction, factor rotation and factor interpretation. The results showed that of the 8 variables analyzed using the factor analysis model, there were 9 factors that influenced the purchasing decision of the Rabbani instant hijab, including psychological factors, cultural factors, price factors, employment factors, Islamic consumption factors, Islamic branding factors, Social Factors, Personal Factors and Needs Factors. Of the nine factors above, the most dominant factor is the psychological factor because it has the highest eigenvalue.
Copyright (c) 2023 Dewi Nur Cahyani; Luluk Hanifah https://creativecommons.org/licenses/by-sa/4.0
Implementasi Manajemen Sumber Daya Insani Dalam Meningkatkan Kualitas Layanan Pegadaian Syariah Kebomas Gresik
Tujuan dari penelitian ini adalah 1) Untuk mengetahui kualitas pelayanan yang diberikan oleh Pegadaian Syariah Kebomas Gresik, 2). Untuk mengetahui Tugas dan Fungsi Manajemen Sumber Daya Manusia Dalam Meningkatkan Kualitas Pelayanan Yang Sudah Ada Di Pegadaian Syariah Kebomas Gresik. Jenis dan pendekatan penelitian adalah pendekatan Deskriptif Kualitatif atau penelitian lapangan. Teknik pengumpulan data diperoleh dari observasi, wawancara dan literatur berupa buku dan segala hal yang berkaitan dengan kualitas pelayanan serta bagaimana model yang diterapkan manajemen sumber daya manusia dalam meningkatkan kualitas pelayanan yang sudah ada di Pegadaian Syariah Kebomas Gresik. Teknik analisis data yang digunakan adalah model Miles dan Huberman. Berdasarkan hasil penelitian dan analisis yang telah penulis lakukan, 1) Kualitas pelayanan yang diberikan oleh Pegadaian Syariah Kebomas Gresik cukup baik. Pegadaian Syariah Kebomas Gresik sudah memenuhi syarat, dalam arti pegawai telah melakukan pekerjaannya dan memberikan pelayanan dengan baik kepada pengguna jasa. Jika ada keluhan konsumen yang mengatakan pelayanannya sudah lama, atau kurang ramah, itu semua sudah menjadi aturan dari pusat dan karyawan hanya menjalaninya saja, serta ada perbedaan karakter dari pihak kurir sehingga terlihat kurang ramah. 2) Manajemen Sumber Daya Manusia Dalam Meningkatkan Kualitas Pelayanan Pegadaian Syariah Kebomas Gresik, Dalam upaya menciptakan SDM Pegadaian Syariah Kebomas Gresik yang kompeten (pekerja yang berpengetahuan), Pegadaian Pusat, Kanwil dan Cabang Gresik terus memperkuat fungsi perencanaan, pengorganisasian, pengawasan dan evaluasi serta koordinasi yang berkesinambungan. Namun yang masih kurang adalah pelatihan yang diberikan kepada karyawan, peningkatan penilaian, dan fasilitas sarana dan prasarana.
Copyright (c) 2022 Moch. Azhar Hidayatullah; Nasrulloh Nasrulloh https://creativecommons.org/licenses/by-sa/4.0
Analisis Pertumbuhan Ekonomi Pada Sektor Ekspor Migas dan Non Migas Di Indonesia Tahun 2019-2023
Pertumbuhan ekonomi Indonesia berubah dari tahun ke tahun, menurut data dari Badan Pusat Statistik Indonesia. Ekspor dan inflasi adalah dua komponen yang mempengaruhi pertumbuhan ekonomi suatu negara. Penelitian ini menggunakan data sekunder dari publikasi Badan Pusat Statistik (BPS), artikel ilmiah, serta sumber lainnya yang dikumpulkan adalah meliputi data pertumbuhan ekonomi migas di Indonesia. Jangka waktu yang digunakan adalah tahun 2019-2023. Jenis data adalah time series (runtun waktu). Data time series adalah data yang menggambarkan suatu perkembangan dari waktu ke waktu atau periode secara historis. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan studi literatur review. Penelitian ini bertujuan untuk menganalisis pertumbuhan ekonomi Indonesia pada sektor migas 5 tahun terakhir dari rentang 2019-2023.
Copyright (c) 2023 Nuryatun, Safier Ramdani, Tatik Mariyanti https://creativecommons.org/licenses/by-sa/4.0
Analisis Faktor – Faktor Terjadinya Pembiayaan Bermasalah Tanpa Agunan dan Strategi Penanganannya Bank Muamalat KCP Gresik
Financing is an activity of Islamic banks in channeling funds to customers who need funds. Financing is very beneficial for Islamic banks, customers and the government. Financing provides the greatest results among other fund disbursements carried out by Islamic banks. Before channeling funds through financing, Islamic banks need to conduct an in-depth financing analysis. The distribution of funds in the form of financing is based on the trust given by the owner of the fund to the use of funds
Copyright (c) 2023 Hilda Sanjayawati, Andriati Aziizah Syafitri, Dedy Hartanto Prastya Irawan https://creativecommons.org/licenses/by-sa/4.0
Analisis Pelayanan Teller Pada BPRS Bumi Rinjani Kepanjen Kantor Kas Wagir
Excellent service is service provided to customers in accordance with standards so that the people served feel satisfied, happy or pleased. One form of service that must be considered by BPRS in carrying out its operations is Teller Service. Tellers are one of the important organs that are in the frontliner who must give the best impression when interacting with customers, so that professional service will be reflected. BPRS Bumi Rinjani Kepanjen Wagir Cash Office is one of the BPRS whose main activity is providing services in the form of products and services. Especially at the Cash Office, Tellers have an important role in providing good service such as welcoming customers in a friendly manner, full of smiles, dressing according to Islamic law, and serving quickly and accurately. In the application of excellent service, all must be served properly and correctly so as to gain sympathy and be attractive to the prospective customer community of the bank concerned. In this study using a qualitative descriptive approach, using primary and secondary data. Primary data is obtained directly from research objects such as interviews and observations, while secondary data is supporting data such as literature and other documents. The results showed that the tellers of BPRS Bumi Rinjani Kepanjen Wagir Cash Office had provided good and professional service.
Copyright (c) 2023 Yuliyanti M. Manan, Yeny Nur Aziza https://creativecommons.org/licenses/by-sa/4.0
Analisis Pembiayaan Bank Syariah Terhadap UMKM dan Pertumbuhan Ekonomi di Indonesia Rentang Waktu 10 Tahun Terakhir
Until now, Indonesian sharia banking continues to show positive growth. As reported by the Financial Services Authority, the CAR ratio for Islamic Commercial Banks (BUS) is 25.71%. Meanwhile, the intermediary function of Islamic banking is running well. Disbursed financing (PYD) and third party funds (DPK) grew positively by 6.90% (yoy) and 15.30% (yoy), respectively, so that the growth of Islamic banking assets during this period was 13.94% (yoy). The total assets, PYD and DPK of Islamic banking reached IDR 693.80 trillion, IDR 421.86 trillion and IDR 548.58 trillion by the end of 2021. This research intends to analyze Islamic bank financing for MSMEs. This study uses a quantitative approach, where the approach has been predetermined using secondary data. The data collection method in this study was secondary data collection obtained from Bank Indonesia, BPS (Central Bureau of Statistics), the Financial Services Authority and library techniques, namely by collecting data from books, journals and research results as well as reading sources or writing materials that are relevant to this research.
Copyright (c) 2023 Ary Dean Amri, Bio Buk Roni M, Linda Tiara, Selvia, Bella Intan Hastuti https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Pertumbuhan Ekonomi dan Inflasi Terhadap Kemiskinan Provinsi Jambi Perspektif Ekonomi Islam
Economic development is a multidimensional procedure that involves fundamental changes in the socio-economic order, social attitudes and national institutions, while striving to accelerate economic growth. On average, economic growth between 2010 and 2014 can be said to be the highest because it is always higher than the national rate. With the background of the problems described above, the design of this research is a form of quantitative research. The results of this study are 1) The results of the t-test analysis prove that the number of people partially has a negative and insignificant effect on regional or city economic growth in Jambi Province. 2) The results of the t-test analysis prove that the Human Development Index (IPM) partially has a significant negative effect on the economic growth of districts or cities in Jambi Province. 3) The results of the t-test analysis prove that poverty sometimes has a significant negative impact on regional or city economic growth in Jambi Province. 4) The results of the F-test prove that the number of people, the Human Development Index (HPI) and poverty simultaneously have a significant effect on the economic growth of regions or cities in Jambi Province. The results of the F-statistical significance test were <0.00; 0.05 (significant R-squared value of 0.541, which means the magnitude of the influence of the independent variable on the dependent variable is 54.1%. The remaining 45.9 percent is influenced by other variables outside this research model.
Copyright (c) 2023 Ary Dean Amri, Agus Purnomo, Exgia Julchaira, Neni Yuana, Sephiana Elfitri, Vela Yulia https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Persepsi Kegunaan, Kemudahan dan Pengetahuan Informasi Terhadap Keputusan Penggunaan Aplikasi BSI Mobile (Studi Kasus Nasabah BSI Kabupaten Sukoharjo)
Seen through the Google Play Store, there are lots of positive and negative reviews regarding the BSI Mobile application. This study aims to find out how the perceived usefulness, convenience and knowledge of information influence the decision to use the BSI Mobile application. The population in this study are BSI customers who use the BSI Mobile application in Sukoharjo Regency. Purposive sampling is the method that will be used to take samples in this study and get 127 respondents. Data analysis used multiple linear regression with IBM SPSS version 26 application. Based on statistical methods, validity test, reliability test, normality test, classic assumption test (multicollinearity test and heteroscedasticity test), simultaneous test (f test), partial test (t test) were carried out, and test the coefficient of determination. Based on the results of the study it is known that the perception of usefulness, ease and knowledge of information influences the decision to use by 76%. The results of this study indicate that based on the validity and reliability tests, all variables are declared valid and reliable. Based on the results of the t test, perceived usefulness, convenience and information knowledge have a positive influence on the decision to use.
Copyright (c) 2022 Fadila Rameyza; Meilana WIdyaningsih, Arisa Dwi R https://creativecommons.org/licenses/by-sa/4.0
Aplikasi Theory of Planned Behavior Terhadap Minat Nasabah Dalam Memilih Tabungan Easy Wadiah Bank Syariah Indonesia
This study uses the Theory Planned Behavior method in examining customer interest in choosing Easy Wadiah Savings. The research was conducted on respondents at Raden Mas Said State Islamic University Surakarta. In this study, it can be seen that attitudes toward behavior in choosing easy wadiah savings, subjective norms and perceptions of behavioral control have a positive effect on customer interest in choosing easy wadiah savings. Interest and behavioral control have a positive effect on behavior in choosing easy wadiah savings. The managerial implication of this research is the importance of increasing public understanding of Islamic banking and making it easier for people to implement Islamic banking and making it easier for people to save in Islamic banks. This study aims to determine whether attitudes, subjective norms, and behavioral control have a positive effect on customer interest in choosing easy wadiah savings.
Copyright (c) 2022 Jeni Istiaji; M. E Gymnstiar Leksono, Meilana Widyaningsih https://creativecommons.org/licenses/by-sa/4.0
Implementasi Sistem Jaminan Halal pada Produk Olahan Kerupuk Amplang Desa Kertasada Kabupaten Sumenep
Sifat kehalalan produk menjadi syarat wajib bagi semua konsumen, khususnya konsumen muslim. baik itu produk berupa makanan, obat-obatan atau barang konsumsi lainnya. Karena itu, sertifikasi dan pelabelan produk diperlukan untuk memastikan kehalalan produk bagi masyarakat luas, khususnya warga muslim. Penelitian ini menggunakan metode kualitatif yaitu bertujuan untuk mengetahui bagaimana Implementasi Sistem Jaminan Halal pada Produk Kerupuk Amplang UD Matahari Desa Kartasada Kabupaten Sumenep dan bagaimana langkah UD Matahari dalam menjaga produknya agar tidak terkontaminasi sesuatu yang najis. Hasilnya menunjukkan bahwa 1). IKM tidak menerapkan SJH dengan sempurna. Kelemahan penerapan SJH terletak pada kurangnya koordinasi Tim Manajemen Halal, kurangnya prosedur tertulis untuk aktivitas kritis, tidak ada kemampuan telusur, kurangnya audit internal, dan kurangnya kaji ulang manajemen. Saran yang dapat kami berikan kepada pelaku usaha kecil menengah khususnya untuk industri fracking Amplang hendaknya selalu disertai dan diberikan contoh terkait penerapan SJH secara bertahap untuk mengukur manfaat penerapan sistem yang ada saat ini. 2). Langkah UD Matahari dalam Menjaga produknya yakni menjaga kebersihan diri, dan menjaga kebersihan area kerja.
Copyright (c) 2022 ACHMAD ROFIQI, Galuh Widitya Qomaro https://creativecommons.org/licenses/by-sa/4.0
Analisis Risiko Jual Beli Online Sistem Reseller Dalam Perspektif Ekonomi Islam
Teknologi saat ini memberikan pegaruh besar terhadap mekanisme jual beli, dimana dahulu mengharuskan adanya pertemuan antara pembeli dan penjual, namun kini berkat adanya perkembangan teknologi tersebut, menjadi sangat lebih mudah dan efisien. Hal tersbeut dikenal dengan istilah jual beli online atau dikenal dengan istilah online shoop. Tidak hanya perkembangan dalam media jual belinya, perkembangan dalam sistem jual beli juga sangat pesat, salah satu bukti bahwa saat ini sangat marak dan sangat digandrungi oleh masyarakat, yakni sistem jual beli reseller dan dropshipper. Pada penelitian ini akan fokus pada sistem jual beli dengan reseller. Lebih fokus lagi yakni pada reseller salah satu produk kecantikan yaitu Ms Glow. Hal ini dipastikan akan mengandung suatu risiko, dan bagaimana manajemen risiko yang harus diterapkan. Penelitian ini menggunakan metode penelitian kualitatif deskriptis dengan jenis penelitian field research atau penelitian lapangan. Teknik pengumpulan data menggunakan wawancara, observasi, dan dokumentasi. Selanjutnya dalam analisa data menggunakan teknik reduksi data, penyajian data, dan pengambilan kesimpulan. Hasil penelitian ini menghasilkan bahwa dalam usaha sebagi reseller produk Ms Glow memiliki beberapa risiko tersendiri, salah satunya mengenai ketidak pastian pasar, banyaknya saingan, banyaknya beredar barang palsu. Sedangkan manajemen risiko yang diterapkan dari segi proses manajemen risiko salah satunya ialah identifikasi risiko hingga risk respon planning. Metode sejarah dari segi indikator manajemen risiko, dan avoidance dari segi langkah manajemen risiko. Kata Kunci: Reseller, Risiko, Manajemen Risiko
Copyright (c) 2022 Nurhalinda Nurhalinda; Firman Setiawan https://creativecommons.org/licenses/by-sa/4.0
Kebiasaan Penyimpanan Gabah Oleh Petani Ponorogo Pasca Panen Dalam Perspektif Hukum Islam
Tujuan dari penelitian ini adalah untuk mengetahui praktik penyimpanan gabah oleh petani pasca panen di Desa Ngabar Kecamatan Siman Kabupaten Ponorogo, serta untuk mengetahui tradisi yang telah dilakukan oleh sebagian besar petani dalam menyimpan gabah dengan perspektif hukum Islam di Desa Ngabar Kecamatan Siman Kabupaten Ponorogo. Penelitian ini menggunakan penelitian kualitatif untuk jenis penelitian lapangan yang bersifat deskriptif analistik. Hasil penelitian ini menyimpulkan bahwa praktik penyimpanan gabah oleh petani pasca panen di Desa Ngabar Kecamatan Siman Kabupaten Ponorogo termasuk dalam ‘Urf sahih yaitu tradisi yang tidak bertentangan dengan ketentuan Al-Qur’an maupun As-Sunnah serta tidak termasuk kategori ihtikar karena tidak memenuhi unsur-unsur yang dapat dikatakan sebagai ihtikar yaitu jika kebutuhan barang telah berlebih untuk persediaan satu tahun, digunakan untuk menjual saat harga tinggi serta penimbunan dilakukan saat manusia yang lain membutuhkan barang itu. Dalam penyimpanan gabah ini para petani bertujuan karena anggapan menyimpan gabah jauh lebih tenteram untuk kebutuhan mendadak serta mengurangi anjloknya harga gabah saat panen raya terjadi Kata Kunci: ‘Urf, Hukum Islam, Ihtikar
Copyright (c) 2022 Navissya Dzuchroidah; Ach. Mus'if https://creativecommons.org/licenses/by-sa/4.0
KERJASAMA LAHAN PERTANIAN (PARON) PERSPEKTIF AKAD MUKHABARAH PADA TANAMAN CABE JAMU DI DESA BLUTO KABUPATEN SUMENEP
Cooperation in terms of agriculture is an activity that becomes the habit of the people Bluto village to meet their daily needs. In the cooperation of profit sharing on agricultural land can be called the muzara’ah and mukhabarah agreements. These two contracts both discuss agricultural cooperation in their divisions are divided according to mutual agreement. Another similarity between the two contracts is that the land that is handed over to the cultivator by the land owner is vacant land, while the difference is in the difference is in the delivery of costs or capital. In this study used descriptive qualitative methods by conducting direct-to-field interviews (field research) to sources related to this study. the application of this cooperation is carried out orally on the basis of trust. The parties who do this contract are nothing but to help each other. In Bluto village, the distribution of the results is according to the initial agreement. There is no dispute caused by profit sharing. The implementation of cooperation in Bluto village is mostly using mukhabarah contracts, namely capital will be borne by tenants. In the application of the mukhabarah contract, the cooperation carried out by the Bluto community is in accordance with the provisions of the mukhabarah contract in the muamalah fiqh, it’s just that there is little to straighten out. Keywords: Cooperation, Agriculture, Herbal Chili Plant
Copyright (c) 2022 rizquna : Jurnal Hukum dan Ekonomi Syariah
TINJAUAN HUKUM ISLAM TERHADAP BUDAYA TRANSAKSI HUTANG PIUTANG MENGGUNAKAN SISTEM SENTASEN DI DESA TELANG KECAMATAN KAMAL KABUPATEN BANGKALAN
The desire to live decently and always be sufficient forces humans to be able to meet the needs of life every day by carrying out various economic transactions such as debt and receivable transactions using the Sentasen system as a hereditary activity of the people of Telang Village, Kamal District, Bangkalan Regency. This type of qualitative field research (field research) is descriptive analytical using a normative-empirical approach which is then analyzed using an inductive method. The results of this study indicate that the practice of debt and credit transactions uses the sentasen system, i.e. people who have an interest until the end, when the time comes. The culture of debt and receivable transactions using the Sentasen system is considered haram because it includes Riba, namely the addition of the initial nominal amount and is categorized as Riba Qardhi. Keywords: Accounts Payable, Sentasen, Riba.