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Ramdansyah Fitrah; Abidah Abidah

Jurnal Pelayanan Hubungan Masyarakat 2023 International Forum of Researchers and Lecturers

This community service was carried out to increase Islamic cooperative literacy for teachers of SD IT Al Manar Takengon with a service learning approach. The community service team in this activity consisted of two lecturers and five students of IAIN Takengon's Sharia Banking Study Programme. Activities were carried out in September 2023 at SD IT Al-Manar Takengon. The training was carried out by providing material exposure to Islamic cooperatives' principles, operational mechanisms, and procedures for establishing Islamic cooperatives. The movement continued with role-playing learning to increase teachers' understanding of Islamic cooperatives. The activity results showed an increase in teacher literacy about Islamic cooperatives, which inspired the teachers to establish Islamic cooperatives at SD IT Al-Manar Takengon.

Ma’rifatul Munawaroh

JUREKSI (Journal of Islamic Economics and Finance) 2023 STIKes Ibnu Sina Ajibarang

This study aims to describe the application of Islamic business ethics as the main foundation for the Ma'arif NU Banyuwangi business entity. The method applied in this study is qualitative research. In this study, data collection techniques used include observation, interviews, and documentation. This study uses interactive analysis for data analysis. The results of this study indicate that the application of Islamic business ethics in the Ma'arif NU Banyuwangi Business Entity is the main foundation for running a fair, sustainable, and ethical business. Principles such as monotheism, balance, responsibility, freedom within the limits of sharia, and Ihsan form the basis for business management, which not only prioritizes material profit but also social and spiritual welfare. With Islamic business ethics, this business entity is able to build public trust and create broad benefits for all parties involved.

Zamaluddin Zamaluddin; Abdul Rochim; Mabruri Andatu; Rifki Saputra

Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Sharia shares are a form of ordinary shares which have special characteristics in the form of strict control regarding the halal scope of business activities. One of the shares listed on the stock exchange belongs to BRI Syariah. Bri Syariah is a sharia bank that has sharia shares. BRI Syariah with the ticker BRIS conducted an initial share offering. Currently, many people are interested in BRIS shares. The increase in BRIS shares is due to the increasing number of people showing interest in sharia finance. Sharia capital markets are capital market activities that do not conflict with sharia principles in the capital market. The explanation of the phenomena stated above provides a gap that requires urgent further research related to the law of buying and selling BRIS shares in the sharia share community from the perspective of Islamic and positive law. This research is normative juridical research that is qualitative in nature. Normative juridical research is a process for determining legal rules, legal principles and legal doctrines. In this research, the approach used is a statutory approach and an analytical approach. From the results of the author's research, it was found that the process of buying and selling BRIS shares from an Islamic legal perspective must avoid several aspects, namely Bai' al-Hamisy and Bai' al-Maksyuf. The practice of buying and selling BRIS shares in the Sharia Shares Community begins with a contract process that is adapted to DSN-MUI No.80 of 2011 and the process of buying and selling BRIS shares from a positive legal perspective has been carried out safely and in accordance with Financial Services Authority (OJK) regulations. buying and selling BRIS shares is permitted based on the perspective of Islamic law. The perspective of Islamic law regulates that buying and selling must avoid several aspects, namely Bai' al-Hamisy and Bai' al-Maksyuf. The practice of buying and selling BRIS shares in the Sharia Shares Community begins with a contract process adapted to DSN-MUI No.8 of 2011, namely mudharabah, ijarah, musyarakah and syirkah contracts.                                  

Dwi Lestari; Elvi Khairani Sofyan; Rambe Roisuddin Ery; Sulhi; Anzu Elvia Zahara

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2023 LPPM Universitas Sains dan Teknologi Komputer

This study aims to conduct a literature review of the results of research on the Implementation of Mudharabah Agreements in the Economy in Indonesia. This study uses a Systematic Literature Review (SLR) with a qualitative approach. The results of this study indicate that based on the results of the Systematic Literature Review, it shows that the mudharabah contract is one of the pillars of the sharia economy that represents Islamic principles to realize social justice through a profit-sharing system. As well as the implementation of the mudharabah contract in the Indonesian economy is in accordance with maqasyid sharia which is able to encourage the welfare of the people. This research method uses the Systematic Literature Review (SLR) method using a qualitative descriptive approach.

Laiyinna Misqha Efendi; Mustika Ayu Anggreini; Rani Alfiani; Nurhayati Harahap

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

One tactic to achieve the goals this country seeks is economic growth. Economic development performance is measured based on a number of factors, including population growth, per capita income, unemployment, poverty level and balance of payments. However, in reality, this progress has not provided the best results because the community is still not the main beneficiary. Ultimately, all parties must rethink appropriate development plans to implement in our country considering the increasing rates of unemployment and poverty that are currently occurring. so that neglected communities no longer exist. Experts in the fields of economics, society and politics are starting to study how to achieve effective development without being plagued by unemployment and poverty. The interesting aspect of these studies actually comes from Muslim economists and thinkers. They present new options along with the development of new theories about Islamic economics. Adherents of sharia economics which are based on Islamic sharia principles are expected to behave professionally and demonstrate neatness, honesty, orderliness and regularity in their processes. This article aims to investigate how an Islamic economic perspective on development can address the problems of poverty, unemployment and equality, starting with the arguments given above.    

Supitayanti Supitayanti; Ahmad Noor Afifudin; Tyas BS Ambarwati; Muhammad Auliya Elhakim; Luthfiyah Luthfiyah

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This research aims to analyze customer protection in sharia banking and conventional banking. This research includes descriptive qualitative research in the nature of library research. Literature sources used in this research include academic textbooks, scientific journals, research articles related to sharia banking and conventional banking. The results of this research show that: 1) Sharia banking operates with Islamic sharia principles, placing special emphasis on the concepts of justice, transparency and loss prevention for customers; 2) Conventional banking focuses on interest and profitability systems. Although both have the main goal of protecting customer assets, the methods and approaches they use differ significantly. This research describes the key aspects of both systems, examines the principles underlying them, and provides insight into how they offer protection to customers' assets. This study is important to carry out in order to add to the study of sharia banking and conventional banking, especially the scarcity of themes that discuss banking.

Azahra Eka Putri; Dwi Septi Nuraeni; Lilis Renfiana

Jurnal Ekonomi dan Keuangan Islam 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Islamic business ethics can be explained as an understanding of principles that govern and manage businesses by considering norms and morality in line with Islamic values. In Islam, business ethics encompasses conduct in the business world that integrates the values and teachings found in the Qur'an and Hadith into a unified business practice. Buying and selling involve a process where the exchange of goods adheres to values, involving both sellers and buyers who comply with Islamic Sharia principles. The aim of this research is to evaluate the implementation of Islamic business ethics in buying and selling transactions at Pasar Pagi 28 Desa Purwoasri, North Metro District, Metro City. This study is a field research involving direct observation of traders in the market. A qualitative approach is used to descriptively analyze the business ethics behavior applied by traders at Pasar Pagi 28 Purwoasri North Metro, Metro City. The results of this research indicate that in buying and selling transactions in the traditional market of 28 Purwoasri, the five principles of Islamic business ethics, namely Tawhid, Balance/Justice, Accountability, Free will, and Excellence, have been implemented.  

BR PA, Esra Julita; Gaby Agustina Nainggolan; Desy Yolanda Br Bangun; Syuratty A Rahayu Manalu

Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Corruption has become a global concern in efforts to strengthen good governance. In the context of Islamic law, aspects of preventing corruption and implementing the principle of legality in criminal acts attract in-depth attention. This article analyzes corruption prevention strategies from the perspective of Islamic law in the context of applying the principle of legality to criminal acts. The method in this research is a qualitative method in exploring Islamic legal concepts related to preventing corruption, such as Taqwa, Adl, and Amanah,as well as how these values ​​can be applied in efforts to prevent and overcome corruption. Furthermore, this article also examines legal aspects related to the implementation of the principle of legality in enforcing the law against criminal acts of corruption according to Islamic teachings. The results of the analysis show that the principles of Islamic law provide a strong foundation for corruption prevention strategies. Concepts such as justice, transparency, fair punishment, and building strong institutions are the main focus in overcoming the problem of corruption. In the context of implementing the principle of legality, consistency with sharia principles in establishing and enforcing laws is crucial to ensure the success of efforts to prevent corruption. This article contributes to a better understanding of corruption prevention strategies from an Islamic legal perspective, as well as the importance of integrating Islamic legal values ​​and principles in efforts to eradicate corruption. The practical implications of this analysis support the need for a holistic approach that includes legal and moral aspects in tackling corruption to create a society that is more just and has integrity.

Yulias Hidayah; Misnawati Misnawati; Rendy Diaz Hilrian; Adinda Nurul Rahmadyan; Finia Novarisy Zultia +1 more

Jurnal Mutiara Ilmu Akuntansi (JUMIA) 2023 Pusat Riset dan Inovasi Nasional

Islamic financial institutions use an accounting system that is different from conventional accounting. The basis of sharia banking accounting follows the principles of Islamic economics which include the prohibition of interest or what is often called usury (including other usurious practices), then the prohibition of investment in businesses that are considered haram, as well as encouraging fair wealth and economic growth.

M. Junaidi; Fitri Dzakiyya

Concept: Journal of Social Humanities and Education 2023 Sekolah Tinggi Ilmu Administrasi Yappi Makassar

The main problem in this research is to examine the issue of the concept of Law Number 11 of 2020 concerning Job Creation Using a Beneficial Approach, regarding the view of Islamic Law regarding Law No. 11 of 2020 concerning Job Creation, benefits of Law no. 11 of 2020 concerning Job Creation for workers and the existence of Law no. 11 of 2020 concerning Job Creation from a Sharia Economic Law perspective. The type of research used in this research is library research. The data sources used are primary data and secondary data. The results of this research are that the review of Islamic law in Law no. 11 of 2020 concerning Job Creation is a form of preserving the soul (hifzh al-nafs) in the principles of maqashid sharia as a means of maintaining their economic rights to survive. As for the benefits of Law no. 11 of 2020 concerning Job Creation that can be felt at this time, namely: creating jobs, encouraging investment, an easier and faster licensing system, and simplified investment requirements. The value of Sharia Economic Law is viewed from Law no. 11 of 2020 concerning Job Creation, providing sharia economic growth, especially in the sharia financial industry in Indonesia such as Sharia Banks, Non-Bank Sharia Financial Industry, Sharia Cooperatives and Sharia Capital Markets, in the future there will be great opportunities in running their business.

Bonaraja Purba; Riky Aulia Rachman Marpaung; Dicky Effendi; Rizky Fadly

Jurnal Ekonomi dan Keuangan Islam 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This research aims to examine and analyze the legal protection given to investors in buying and selling shares in the capital market from an Islamic perspective. The research methodology used is descriptive analysis, which involves comprehensive data collection regarding the characteristics of a particular situation or symptom that contributes to strengthening the theory of Islamic capital markets. In this case, the author uses a document or literature study as a legal material collection technique, by reviewing the literature related to the research topic. This approach aims to obtain secondary data from sources such as the Quran, hadith, MUI fatwa, and relevant laws and regulations, especially Law No. 8 of 1995 concerning Capital Markets. The findings of this study reveal that the legal protection of investors in buying and selling activities in the capital market in an Islamic perspective is based on the principles of transparency and openness, the existence of a Sharia Supervisory Board (DPS), sharia audits, dispute resolution mechanisms, and the prohibition of ribawi practices or usury-based transactions.

Nadia Ishak

The Islamic Digital Economy (IDE) has emerged as a transformative force, unlocking new opportunities for sustainable development within the global Muslim community (Ummah). This paper explores the multifaceted dimensions of IDE and its potential impact on Ummah sustainability. The IDE encompasses a wide array of digital technologies, including but not limited to fintech, e-commerce, blockchain, and artificial intelligence, all aligned with Islamic principles. By leveraging these technologies, the Ummah can foster economic growth, financial inclusion, and social development while adhering to ethical and Sharia-compliant practices. This paper delves into the key components of IDE, examining its role in promoting entrepreneurship, enhancing financial literacy, and fostering innovation within the Ummah. Moreover, it explores the potential of IDE to address societal challenges such as poverty, unemployment, and income inequality through inclusive and sustainable economic models. In addition, the paper highlights the importance of regulatory frameworks that support the growth of IDE, ensuring that it aligns with Islamic values and principles. It also underscores the need for educational initiatives to enhance digital literacy within the Ummah, empowering individuals to fully participate in the digital economy. Through a comprehensive analysis of the opportunities and challenges associated with IDE, this paper aims to provide insights for policymakers, businesses, and communities seeking to harness the full potential of the Islamic Digital Economy for the sustainable development of the Ummah. By embracing IDE, the Ummah can not only navigate the digital age successfully but also contribute to a more inclusive, ethical, and sustainable global economic landscape.

Nur Hazizah; Budi Dharma

Jurnal Ekonomi dan Keuangan 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Zakat Management Details the Management of Zakat Given from an Institution to Prospective Zakat Recipients Required in Distributing Zakat. To ensure that the practice of zakat is in accordance with sharia principles, the management of zakat distribution is carried out. In this research, the author tries to make research and analysis regarding the management of zakat distribution at the North Sumatra Regional Unit PLN Baitul Mall Foundation which includes planning, organizing, distributing zakat, as well as monitoring the validity of muzaki when receiving zakat, such as the validity of muzaki in terms of where one lives and the family. , and education. The results of this study will show that the North Sumatra Regional Unit PLN Baitul Mall Foundation has become a leading organization for distributing ZIS (zakat, infaq, and shadaqoh) in the PT PLN (Persero) environment in order to make mustahik become muzaki.

Dinda Rahmadani Putri; Tomi Hendra

SABER : Jurnal Teknik Informatika, Sains dan Ilmu Komunikasi 2023 STIKes Ibnu Sina Ajibarang

The development of the hotel business is currently very rapid in Indonesia. So communication has become an important part in hotel companies as a medium for companies whose targets are guests. As time goes by, sharia principles have entered the hotel business. This is what makes researchers interested in analyzing what kind of management communication strategies are used by the Mutiara Syariah Bukittinggi Hotel which uses sharia principles in serving guests. This research aims to determine the communication strategy of Mutiara Syariah Bukittinggi Hotel Managers in serving guests. This research uses a descriptive method with a qualitative approach. The subject of this research is the Mutiara Syariah Bukittinggi Hotel Manager and the object is the communication strategy of the Mutiara Syariah Bukittinggi Hotel Manager in serving guests. Meanwhile, in collecting data in this research, researchers collected data from observation, interviews and documentation. Based on the results of research with the Mutiara Syariah Hotel Bukittinggi, the strategy for serving guests is first, the manager makes a plan as to what kind of communication strategy will be used to serve guests of the Mutiara Syariah Hotel Bukittinggi. Second, employees carry out communication strategies as planned by the management of the Mutiara Syariah Bukittinggi Hotel. Third, the manager looks at the results of the communication strategy in serving guests, whether the communication strategy implemented is good or not. Fourth, the management of the Mutiara Syariah Hotel Bukittinggi reports every activity carried out to the leadership regarding communication strategies in serving guests of the Mutiara Syariah Hotel Bukittinggi.

Isna Khairani; Muhammad Yafiz

Jurnal Ekonomi dan Keuangan 2023 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

In distributing zakat, zakat management is required which details the management of zakat given from an institution to prospective zakat recipients. Management of zakat distribution is carried out to make it easier for Amil to be directed in terms of zakat distribution in accordance with sharia principles. In this research the author tries to make research and analysis regarding the management of zakat distribution at the North Sumatra Regional Unit PLN Baitul Mall Foundation which includes planning, organizing, distributing zakat, as well as monitoring the validity of muzaki when receiving zakat, such as the validity of muzaki in terms of residence and family. , and education. The results of this research will show that the North Sumatra Regional Unit PLN Baitul Mall Foundation has become a superior ZIS (zakat, infaq, shadaqoh) management institution that is trustworthy, professional and transparent within PT PLN (Persero) in empowering mustahik to become muzaki.

Qorry Prananda Aulia; Ahmad Perdana Indra

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the influence of financial literacy, trust, location, income, and public views related to profit sharing in saving at Islamic banks. This type of research is qualitative and quantitative. Sampling techniques are simple random sampling and questionnaires. The results showed that financial literacy and location did not affect the interest in saving at Sharia Banks in the people of Perbaungan District. Trust, income and perception of profit sharing have a positive and significant effect on the interest in saving at Sharia Banks in the people of Perbaungan District. The need to expand the arrangement of data on Islamic banks such as sharia principles and products/goods in Islamic banks, so that interest in saving at Islamic banks will increase.

Dwi Restu Tanjung; Ahmad Perdana Indra

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2023 FEB Universitas Maritim Semarang

Banks that carry out their business activities based on sharia principles, or principles of Islamic law, are called sharia banks. As time goes by, Islamic banks are starting to have more Muslim customers. Bank BSI Kc Kualasimpang, for example, has active Muslim customers. Muslims are known to have great interest in Islamic sharia banking. BSI Bank Kc. Kualasimpang operates based on sharia principles and does not provide payment services. Because the data was obtained from direct observations at BSI Kc Kualasimpang, this is a type of field research. This study uses a qualitative methodology. Primary and secondary data were used in this research. Primary data consists of a description of the factors that influence non-Muslim customers. Secondary data consists of books related to the research topic. The author found two components: internal and external factors. The research results show that of the internal and external factors studied, the dominant external factors influencing non-Muslim customers' interest in BSI Kc Kualasimpang are promotion, service, location and social level. Work and motivation are internal factors. The more promotions and services offered by banks to non-Muslim customers, the more likely they will join an Islamic bank.

Rica Putriana; Junda Harahap; Enni Efrida Nasution

JUREKSI (Journal of Islamic Economics and Finance) 2023 STIKes Ibnu Sina Ajibarang

The purpose of this study is to find out: (1) the use of Islamic mobile banking in the Islamic economy, (2) the interest of semester VIII Islamic banking students in using Islamic mobile banking. This research is a field research, namely describing and explaining facts as they are, not adding and not subtracting, which is descriptive in nature and tends to use analysis, describing social problems and research that produces findings that can be obtained by means of observation, interviews, documentation and literature. Data analysis is done by data collection, data reduction, data presentation and verification. The results showed that (1) interest in using sharia mobile banking in Islamic economics is permissible as long as it fulfills sharia principles that there is no usury, maisir, and other activities that are contrary to Islamic ethical principles (2) interest in using sharia mobile banking in semester VIII students of Islamic banking is still low because they do not have full cellphone memory, do not really understand the use of sharia mobile banking, BSI bank which only exists in Sibuhuan and has no branches so it is difficult to reach, and is not too important in the use of sharia mobile banking in everyday life.  

Mgs Muhammad Nur Ramadhan; Hilda Hilda; M. Iqbal

Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah (JUPIEKES) 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

In the economic field, cooperatives are a form of cooperation in the economic sector. People believe in this collaboration because their lives share some of the same needs. One of the Islamic Boarding School Owned Enterprises (BUMP) at the Izzatuna Putra Palembang Islamic Boarding School is a pesantren cooperative that works to support the economy and improve the economy. This study aims to: (1) Describe the extent to which Islamic boarding school cooperatives have contributed to the economic expansion of Islamic boarding schools., (2) What is the role of cooperatives in improving the economy of the Islamic boarding school Izzatuna Putra Palembang in the study of Islamic economics. This is a type of field research using primary and secondary data sources. The data obtained will be presented with narrative text. This study uses qualitative data analysis methods/techniques using inductive thinking methods. The results of this study indicate that: (1) The role of cooperatives in improving the Islamic boarding school's economy is marked by the development of cooperatives that run a trading business every day where a portion of the profits will be deposited to the Islamic boarding school, both material and non-material, and the Islamic boarding school cooperative is also very helpful. in increasing the income of members of the cooperative and the Islamic boarding school community. (2) Then the role of the Izzatuna Putra Palembang Islamic Boarding School Cooperative in improving the economy of the Izzatuna Putra Palembang Islamic Boarding School in an Islamic perspective is carried out in several ways, namely: sharia economic values ​​in helping the community's economy, and avoiding incompatibility of sharia economic principles.

Imsar Imsar; Rizky Febrian Saragih

Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah (JUPIEKES) 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Islamic financial institutions provide facilities that can be used by the community in the business sector to open up opportunities to build UMKM. UMKM are the main productive and competitive actors in the national economy. For this reason, the development of micro, small and medium enterprises needs to be the main priority of national economic development. This study aims to describe the role of Islamic financial institutions for UMKM in realizing economic development. This type of research is a literature review research with data sources obtained through a search on google schoolar with a number of predetermined variable keys. The results of this study include the role of financial institutions in the economy including the transfer of assets, transactions, liquidity and efficiency. Islamic financial institutions were established with the aim of promoting and developing the application of Islamic principles, sharia and their traditions into financial and banking transactions and related businesses.