AL-Muqayyad
type: channel
description: jejuslot 666f mc888 hkg999 menara88 kongbet268 777w rp55 jp6789 gg999 pt777 888r sl999 jp6789 sl88 8ii rp99 rk88 kongbet268 mariatogel88 gaspol777 kongbet268 svip3 slot gacor slot 5k slot gacor slot gacor slot qris slot depo 5000 slot Al-Muqayyad (Print ISSN 2715-3177, Online ISSN 2614-8102) is managed and published by STAI Auliaurrasyidin Tembilahan - Prodi Ekonomi Syariah that contains research results, conceptual ideas, review of new books, the study of manuscripts in the field of Islamic or sharia economics. Al-Muqayyad is expected to be a medium for lecturers, researcher, and Islamic economics practitioners in publishing their scientific writings. Please visit our scope for further details. We publish twice a year on June and Desember.
publisher: STAI Auliaurrasyidin Tembilahan
language: en
publication name: AL-Muqayyad
issn: 2614-8102
copyright: Authors who publish with this journal agree to the following terms: 1. Copyright on any article is retained by the author(s). 2. The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution shareAlike 4.0 International License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal. 3. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal. 4. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work. 5. The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License
items: Pengaruh IPM, TPT, dan pendapatan per kapita terhadap kemiskinan multidimensi di Indonesia dalam perspektif ekonomi Islam (2015–2024)
items: Pengaruh investasi asing langsung, nilai tukar, dan inflasi terhadap pertumbuhan PDB negara-negara OKI dalam perspektif ekonomi Islam
items: Pengaruh Islamic human development index dan pertumbuhan ekonomi terhadap ketimpangan pendapatan di Indonesia tahun 2019-2023
items: Analisis strategi pemasaran produk cicil emas dalam meningkatkan minat nasabah pada Bank Syariah Indonesia Kota Pekanbaru
items: Preferensi generasi z terhadap saham, sukuk, dan reksadana pada pasar modal syariah di Indonesia
items: Pengaruh dana pihak ketiga dan non performing financing terhadap pembiayaan mudharabah pada bank umum syariah periode 2018-2020
items: Pengembangan Koperasi ASN di Kabupaten Kutai Kartanegara: Analisis potensi, permasalahan, dan arah kebijakan
items: Analisis pengaruh persepsi kemudahan, keamanan, dan kualitas pelayanan penggunaan QRIS terhadap inklusi keuangan generasi z di coffee shop Bandar Lampung dalam perspektif ekonomi Islam
items: Analisis penyaluran zakat untuk meningkatkan kesejahteraan kaum dhuafa pada masyarakat Air Molek di lembaga LAZISWAF Khairul Ummah
items: Pengaruh penanaman modal dalam negeri, penanaman modal asing, pengeluaran pemerintah dan tenaga kerja terhadap pertumbuhan ekonomi di provinsi pulau Jawa dalam perspektif ekonomi Islam
items: Pengaruh perbankan konvensional terhadap pertumbuhan ekonomi dengan perbankan syariah sebagai variabel moderating menggunakan SEM-PLS
items: Prinsip dasar ekonomi syariah dan relevansinya terhadap ayat-ayat ekonomi dalam Al-Quran
items: Kontroversi gaya hidup konsumtif dan penerapan prinsip ekonomi syariah pada generasi muda
items: Penerapan akad hiwalah dalam praktik pada perbankan syariah
items: Strategi peningkatan usaha kecil mitra bank wakaf mikro Fataha Kampung Maredan Barat Kecamatan Tualang Kabupaten Siak
items: Bagi hasil sistem tellon di Madura perspektif ekonomi Islam
items: Investasi syariah dalam meningkatkan profitabilitas PT. Asuransi Takaful Keluarga di tengah tantangan ekonomi global
items: Profit-sharing mudharabah transaction in chicken farming businesses: Exploring the benefits and challenges in sharia village owned enterprises-RIAU
items: Utilitas zakat produktif terhadap penurunan kemiskinan di Provinsi Kepulauan Bangka Belitung
items: Pertumbuhan ekonomi antar daerah di wilayah Ajatappareng dalam perspektif ekonomi Islam (Studi lima kabupaten di provinsi Sulawesi Selatan)
items: Pemasaran budidaya ikan nila Desa Sungai Duren melalui analisis SOAR dalam perspektif ekonomi Islam
items: Konsep kredit dalam bingkai pemikiran Zaid bin Ali serta relevansinya di era kontemporer
items: Pengaruh socio-economy patriarki, pendidikan akhir dan pengangguran terhadap TPAK perempuan di Indonesia perspektif ekonomi Islam
items: Model halal supply chain pada produk kopi
items: Peningkatan Omzet UMKM Makanan Ringan Pasca Sertifikasi Halal di Sumatera Barat
items: Strategi Peningkatan Kesadaran dan Motivasi Masyarakat untuk menjadi Donatur LAZIS: Studi Kasus di Lembaga Zakat Infak dan Sedekah Muhammadiyah
items: Implementasi Etika Bisnis Islam Pelaku Usaha Mikro Kecil dan Menengah (UMKM) di Kecamatan Sibulue
items: Pengaruh Literasi Keuangan Syariah terhadap Persepsi dan Minat Menabung Masyarakat Non Muslim pada Bank Syariah
items: Economic Development of Civil Society in Bojonegoro Regency
items: Pengelolaan dan Pengembangan Wakaf Uang oleh Lembaga Nazhir di Kota Pekanbaru

Pengaruh IPM, TPT, dan pendapatan per kapita terhadap kemiskinan multidimensi di Indonesia dalam perspektif ekonomi Islam (2015–2024)
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description: Multidimensional poverty refers to a condition in which individuals or households are unable to meet their essential needs, encompassing the dimensions of education, health, and a decent standard of living. Islamic economics emphasizes the principles of social justice, equitable wealth distribution, and social responsibility as strategic efforts to alleviate poverty. From an Islamic perspective, poverty is not merely an economic issue but also a social and moral problem that can disrupt the balance of societal life. This study aims to examine the influence of the Human Development Index, the open unemployment rate, and per capita income on multidimensional poverty in Indonesia within the framework of Islamic economic principles. The research employs a quantitative method using the VECM approach by analyzing 34 provinces in Indonesia. The results indicate that the fixed effect model is the most appropriate model, showing that the t-test results reveal a negative and significant effect of the Human Development Index and per capita income on multidimensional poverty, while the open unemployment rate has a positive and significant effect on multidimensional poverty in Indonesia.
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creator: Ahmad Dairobbi
creator: Nurlaili Nurlaili
creator: Ainul Fitri
rights: Copyright (c) 2025 Ahmad Dairobbi, Nurlaili Nurlaili, Ainul Fitri https://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-30
publication date: 2025-12-30
starting page: 206
ending page: 221
doi: 10.46963/jam.v8i2.3249

Pengaruh investasi asing langsung, nilai tukar, dan inflasi terhadap pertumbuhan PDB negara-negara OKI dalam perspektif ekonomi Islam
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description: One of the main indicators for measuring a country's economic performance is GDP. This study aims to analyze the effect of foreign direct investment, exchange rates and inflation on GDP in OIC countries. This research method uses an Associative quantitative approach with a Panel Data Regression model. The population in this study is 57 OIC countries. The sample in this study was selected using Purposive Sampling Technique, using Secondary Data. Data were analyzed using Eviews10. The results of the study show that foreign direct investment and exchange rates have an insignificant effect on GDP while inflation has a significant effect on GDP in OIC, and simultaneously the three variables do not have a significant effect on OIC GDP.
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creator: Silvi Kesuma Wati
creator: M. Yusuf Bahtiar
creator: Agus Kurniawan
rights: Copyright (c) 2025 Silvi Kesuma Wati, M. Yusuf Bahtiar, Agus Kurniawan https://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-30
publication date: 2025-12-30
starting page: 188
ending page: 205
doi: 10.46963/jam.v8i2.3246

Pengaruh Islamic human development index dan pertumbuhan ekonomi terhadap ketimpangan pendapatan di Indonesia tahun 2019-2023
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description: This study aims to analyze the effect of the Islamic Human Development Index (I-HDI) and economic growth on income inequality in Indonesia during the 2019-2023 period. The research employs a quantitative approach using secondary data from 34 provinces in Indonesia, obtained from the Central Statistics Agency (BPS) and other official sources. The analysis method applied is panel data regression, with the best model selected through the Chow and Hausman tests, which confirmed the Fixed Effect Model (FEM) as the most appropriate estimation model. The results show that partially, I-HDI has no effect on income inequality, while economic growth has a negative and significant effect. Simultaneously, I-HDI and economic growth have a significant effect on income inequality, with a contribution of 57.1%, while the remaining 42.9% is explained by other factors outside the model. These findings emphasize that inclusive economic growth plays an important role in reducing inequality, while improving human development quality based on maqaşid al-shari'ah requires more equitable distribution to optimally reduce income disparity.
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creator: Jelita Ayu Lestari
creator: Muhammad Iqbal
creator: Ghina Ulfah Saefurrohman
rights: Copyright (c) 2025 Jelita Ayu Lestari, Muhammad Iqbal, Ghina Ulfah Saefurrohman https://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-30
publication date: 2025-12-30
starting page: 152
ending page: 164
doi: 10.46963/jam.v8i2.3232

Analisis strategi pemasaran produk cicil emas dalam meningkatkan minat nasabah pada Bank Syariah Indonesia Kota Pekanbaru
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description: Cicil Emas is an Islamic investment product that facilitates gold ownership through an installment system based on the murabahah contract. This study aims to analyze the marketing strategy of Bank Syariah Indonesia (BSI) for the Cicil Emas product and to examine its influence on customer interest in Pekanbaru City. A descriptive qualitative method was employed, with data collected through in-depth interviews, observation, and document analysis involving informants from the bank's internal divisions (marketing and financing) as well as customer users and non-users of the product. The findings indicate that BSI's marketing strategy encompasses digital education, social media promotion, community-based outreach, and collaboration with religious figures. Factors influencing customer interest include the perceived value of gold investment, payment flexibility, transparency of the sharia contract, and social influence. This strategy is assessed as moderately effective in enhancing customer understanding and interest, despite obstacles such as the low level of Islamic financial literacy among some community segments. In conclusion, BSI's marketing strategy aligns with sharia principles and contributes to building public trust in the Cicil Emas product.
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creator: Nilam Erman
creator: Mohd. Winario
rights: Copyright (c) 2025 Nilam Erman, Mohd. Winario https://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-30
publication date: 2025-12-30
starting page: 176
ending page: 187
doi: 10.46963/jam.v8i2.3167

Preferensi generasi z terhadap saham, sukuk, dan reksadana pada pasar modal syariah di Indonesia
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description: The development of the Islamic capital market in Indonesia is showing rapid growth, along with increasing public interest in investments that comply with Sharia principles. Generation Z, as a technologically savvy, productive age group that dominates the number of digital financial platform users, has great potential as new investors. This study aims to analyze Generation Z's preferences for investment instruments in the Islamic capital market, namely Islamic stocks, sukuk, and Islamic mutual funds. Using a descriptive qualitative research approach with semi-structured interviews, this study involved 10 active investor informants from Generation Z. The results show that Islamic mutual funds are the primary choice due to their ease of access and minimal risk, while Islamic stocks are chosen by those with more advanced knowledge. Islamic sukuk are preferred by investors seeking stable returns. This study contributes to the development of literacy strategies and innovations in Islamic financial products that are friendly to the younger generation. The limitations in the number of informants and the research area open opportunities for broader follow-up studies. Overall, this study shows that Generation Z's investment preferences in the Islamic capital market are influenced by a combination of factors such as ease of access, risk level, investment knowledge, and aspects of religiosity and digital literacy.
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creator: Yona Fitri
creator: Sari Sari
rights: Copyright (c) 2025 Yona Fitri, Sari Sari https://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-30
publication date: 2025-12-30
starting page: 137
ending page: 151
doi: 10.46963/jam.v8i2.3147

Pengaruh dana pihak ketiga dan non performing financing terhadap pembiayaan mudharabah pada bank umum syariah periode 2018-2020
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description: This research aims to determine and test the influence of third party funds (DPK) and non-performing financing (NPF) both partially and simultaneously on mudharabah financing in Islamic commercial banks in Indonesia for the 2018-2020 period. Using quantitative research with research objects at Sharia Commercial Banks. Purposive sampling was used to take samples for this research, resulting in a sample of 4 Sharia Commercial Banks. Data analysis techniques use multiple linear regression and hypothesis testing. Testing in this research uses SPSS 26. The research results show data that DPK has a significant effect on mudharabah financing. This is indicated by a significance value of 0.028 <0.05. NPF has no effect on mudharabah financing. This is indicated by a significance value of 0.193 > 0.05. DPK and NPF simultaneously influence mudharabah financing. This is indicated by a significance value of 0.034 <0.05.
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creator: Noppia Anggraini
creator: Miti Yarmunida
creator: Nenan Julir
rights: Copyright (c) 2025 Noppia Anggraini, Miti Yarmunida, Nenan Julir https://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-30
publication date: 2025-12-30
starting page: 120
ending page: 136
doi: 10.46963/jam.v8i2.2885

Pengembangan Koperasi ASN di Kabupaten Kutai Kartanegara: Analisis potensi, permasalahan, dan arah kebijakan
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description: The welfare of State Civil Apparatus (ASN) significantly influences their performance, making the formation of cooperatives a vital economic empowerment strategy. This study aims to analyze the potential, challenges, and strategies for developing effective and sustainable ASN cooperatives. The research method used a qualitative descriptive survey, through primary data collection by distributing questionnaires to 387 ASN out of a total of 12,022 using the Slovin formula with a sampling error of 5%. The results showed that 88% of respondents fully supported the diversification of cooperative services. The most popular service was savings and loans (35.7%). However, there are three crucial challenges: (1) low awareness of the role of cooperatives; (2) Weak governance and management (including financial transparency); and (3) lack of inspirational figures. ASN cooperatives in Kutai Kartanegara have high potential for development, especially the savings and loans model. For sustainability, a professional and participatory strategy is needed, including the implementation of web-based technology for management transparency and strengthening member education. It is recommended that a Regent's regulation be issued to systematically regulate the management and supervision of ASN, in order to improve welfare and strengthen the local economy.
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creator: Santi Eka Panasiah
creator: Aini Aini
rights: Copyright (c) 2025 Santi Eka Panasiah, Aini Aini https://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-30
publication date: 2025-12-30
starting page: 165
ending page: 175
doi: 10.46963/jam.v8i2.2838

Analisis pengaruh persepsi kemudahan, keamanan, dan kualitas pelayanan penggunaan QRIS terhadap inklusi keuangan generasi z di coffee shop Bandar Lampung dalam perspektif ekonomi Islam
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description: Generation Z, born between 1997 and 2012, is recognized as a tech-savvy cohort that prefers digital payment methods over cash. This study aims to analyze the influence of perceived ease of use, perceived security, and service quality on the financial inclusion of Generation Z using QRIS (Quick Response Code Indonesian Standard) as a digital payment method. A quantitative research approach was employed, with data collected through Google Forms questionnaires distributed to Generation Z individuals visiting coffee shops in Bandar Lampung. The sampling technique followed Lemeshow’s method, with 100 respondents, and variables were measured using a Likert scale. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 3. The results indicate that perceived ease of use and perceived security of QRIS significantly influence Generation Z’s financial inclusion. However, coffee shop service quality does not have a significant effect. These findings provide practical implications for strategies to enhance QRIS adoption in supporting financial inclusion while offering insights from an Islamic economics perspective in the context of digital payments
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creator: Riza Alvira
creator: Muhammad Iqbal
creator: Dedi Satriawan
rights: Copyright (c) 2025 Riza Alvira, Muhammad Iqbal, Dedi Satriawan https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 93
ending page: 108
doi: 10.46963/jam.v8i1.2751

Analisis penyaluran zakat untuk meningkatkan kesejahteraan kaum dhuafa pada masyarakat Air Molek di lembaga LAZISWAF Khairul Ummah
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description: Zakat is a key instrument with a strategic role in wealth distribution and poverty alleviation. The effectiveness of zakat distribution in achieving these goals still requires in-depth analysis within the context of economic and social welfare. This study aims to analyze the distribution mechanism, identify changes in welfare levels, and evaluate zakat distribution towards improving welfare. The study used a qualitative descriptive approach supported by quantitative data. Data were obtained through interviews, field observations, and documentation. Analysis was carried out through data reduction, data presentation, and drawing conclusions with welfare indicators covering economic (income and employment), social (education and health), and spiritual (active worship and independence). The results show that LAZISWAF Khairul Ummah implements two forms of zakat distribution: consumptive zakat to meet basic needs and productive zakat in the form of business capital assistance. Zakat distribution has been proven to have a positive impact on improving the welfare of the poor, indicated by increased income, access to education, and social participation. However, long-term effectiveness still needs to be improved through mentoring programs and ongoing monitoring.
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creator: Viras Alti Pidola
creator: Meisya Indriani
rights: Copyright (c) 2025 Viras Alti Pidola, Meisya Indriani https://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-30
publication date: 2025-12-30
starting page: 109
ending page: 119
doi: 10.46963/jam.v8i2.2745

Pengaruh penanaman modal dalam negeri, penanaman modal asing, pengeluaran pemerintah dan tenaga kerja terhadap pertumbuhan ekonomi di provinsi pulau Jawa dalam perspektif ekonomi Islam
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description: Economic growth in Islamic economic teachings is strengthened in the Quran, as-sunnah, and the writings of previous scholars. The growth and development of Islamic economics are reflected in the development of human resources and nature to strengthen human dignity, not only including financial fulfillment, but also desires and preparation for life in the afterlife. This study aims to determine the effect of Domestic Investment, Foreign Investment, Government Spending and Labor on Economic Growth in the Province of Java Island in the Perspective of Islamic Economics. The study used panel data from 6 provinces in Java Island. The results of the study showed that the selected model was the fixed effect model test which stated the results of the t-test that the PMDN variable had a positive and significant effect on economic growth, the PMA variable had a positive but insignificant effect on economic growth, the government spending variable had a positive and significant effect on economic growth and the labor variable had a negative and insignificant effect on economic growth.
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creator: Mutia Rahmadhani
creator: Anas Malik
creator: Taufiqur Rahman
rights: Copyright (c) 2025 Mutia Rahmadhani, Anas Malik, Taufiqur Rahman https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 76
ending page: 92
doi: 10.46963/jam.v8i1.2734

Pengaruh perbankan konvensional terhadap pertumbuhan ekonomi dengan perbankan syariah sebagai variabel moderating menggunakan SEM-PLS
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description: Islamic banking assets in Indonesia remain significantly behind conventional banking. In 2023, the assets of conventional banks reached over IDR 11,000 trillion, while Islamic banks accounted for only around IDR 580 trillion. This considerable asset gap motivates further investigation into the roles of both banking systems in economic development. This study aims to examine the influence of conventional banking on economic growth, the impact of Islamic banking on economic growth, and whether Islamic banking moderates the relationship between conventional banking and economic growth. The research employs the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method, using annual secondary data from 2007 to 2023. The findings reveal that conventional banking significantly influences economic growth, while Islamic banking does not have a significant effect. Moreover, Islamic banking does not moderate the relationship between conventional banking and economic growth. These results highlight the need to strengthen the role of Islamic banking to enhance its contribution to national economic development.
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creator: Surya Tegar Widjiantoro
creator: Muhammad Yusuf
rights: Copyright (c) 2025 Surya Tegar Widjiantoro, Muhammad Yusuf https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 60
ending page: 75
doi: 10.46963/jam.v8i1.2728

Prinsip dasar ekonomi syariah dan relevansinya terhadap ayat-ayat ekonomi dalam Al-Quran
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description: Islamic Economics is an economic system based on sharia principles, which are sourced from the Qur'an and hadith. The main objective of Islamic economics is to create prosperity, justice, and socio-economic balance. This study aims to examine the basic principles of Islamic economics and the relevance of economic verses in the Qur'an in forming an economic system that is just and in accordance with Islamic teachings. This study uses a type of library research with data collection techniques using documentation. In the Qur'an, there are several basic principles that are the main foundations in the implementation of Islamic economics, such as the principle of monotheism, the principle of justice, the prohibition of usury, zakat and alms as instruments of Islamic economics, the permissibility of business, and freedom of business as long as it does not violate sharia. Thus, these basic principles of Islamic economics are in accordance with the main values ​​in economic verses that are relevant to current economic practices, namely economic balance, the principle of trade, the prohibition of monopoly and injustice, and the obligation to pay zakat and share.
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creator: Tasriani Tasriani
creator: Khairul Hanif
rights: Copyright (c) 2025 Tasriani Tasriani, Khairul Hanif https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 43
ending page: 59
doi: 10.46963/jam.v8i1.2723

Kontroversi gaya hidup konsumtif dan penerapan prinsip ekonomi syariah pada generasi muda
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description: Consumptive behavior is a person's habit of buying or consuming goods and services excessively without considering their actual needs. This study aims to evaluate the level of consumerism among the younger generation. This study uses a descriptive qualitative method, data was collected through interviews, observations, and documentation of FEBI IAIN Kerinci students. This study shows that understanding of Islamic economic principles such as qana'ah, tasarruf, and the prohibition of israf is still low. Consumption decisions are often triggered by influencers and online promotions. Therefore, early Islamic economic education, Islamic entrepreneurship training, and the use of digital media are needed to spread Islamic financial values. This approach is expected to shape the lifestyle of the younger generation who do not just follow trends, but are also in line with Islamic teachings in managing finances wisely.
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creator: Tita Auralia
creator: Dafiar Syarif
rights: Copyright (c) 2025 Tita Auralia, Dafiar Syarif https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 30
ending page: 42
doi: 10.46963/jam.v8i1.2700

Penerapan akad hiwalah dalam praktik pada perbankan syariah
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description: This research aims to examine how the implementation of hiwalah is practiced in the contemporary era in sharia financial institutions, especially sharia banking. This research is of the type of library research or library research using qualitative methods by conducting content analysis using the Content Analysis model. The results of the research show that the conversion of classic hiwalah to contemporary hiwalah is a form of sharia banking product. The hiwalah contract can be applied to factoring, post-date checks and bill discounting. The hiwalah changes from a tabarru' character with a qard hiwalah contract to a mu'waddah using a bil ujrah hiwalah contract with the provisions of using the muthlaq hiwalah type. The bank will determine additional fees or fees for transferring customer debts based on MUI Fatwa NO:12/DSN-MUI/IV/2000 and Fatwa NO:58/DSN-MUI/V/2007. SE OJK No. 36/SEOJK.03/2015
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creator: Nurhasanah Nurhasanah
creator: Nurse Fatimah Mz
rights: Copyright (c) 2025 Nurhasanah Nurhasanah, Nurse Fatimah Mz https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 20
ending page: 29
doi: 10.46963/jam.v8i1.2633

Strategi peningkatan usaha kecil mitra bank wakaf mikro Fataha Kampung Maredan Barat Kecamatan Tualang Kabupaten Siak
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description: Micro Waqf Bank was established to facilitate access for low-income communities to obtain Sharia-based business financing in a fast, simple, and interest-free manner. This study aims to identify effective strategies in improving the performance of BWM partner small businesses in Maredan Barat Village. This study uses a qualitative method with a descriptive approach. Data were obtained through in-depth interviews, and observations analysis of BWM partner small business actors. SWOT analysis was used to formulate strategies for improving small businesses based on the strengths, weaknesses, opportunities, and threats faced. The results of the study indicate that the BWM program has a positive impact in the form of increased access to capital, income, and managerial skills. However, there are still obstacles in technology adoption, product diversification, and marketing network development. To overcome this, the recommended strategies include strengthening human resource capacity, utilizing digital technology, product diversification, and developing distribution networks. In conclusion, BWM Fataha plays an important role in empowering small businesses, but a more holistic and sustainable strategy is needed to improve the competitiveness of business actors at the local and regional levels.
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creator: Mohd Winario
creator: Dewi Yasra
creator: Mizan Asnawi
rights: Copyright (c) 2025 Mohd Winario, Dewi Yasra, Mizan Asnawi https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 11
ending page: 19
doi: 10.46963/jam.v8i1.2487

Bagi hasil sistem tellon di Madura perspektif ekonomi Islam
type: item
description: In the Madura region, collaboration between landowners and tenant farmers is commonly observed. One such collaboration occurs in tobacco farming. The Madurese community practices the tellon profit-sharing system in tobacco farming partnerships. This study aims to understand how the tellon profit-sharing system is implemented in the tobacco farming practices of the Madurese community. It also seeks to evaluate the alignment of the tellon system with Islamic economics principles. The study employs a qualitative descriptive method, utilizing literature reviews and direct interviews involving landowners and tenant farmers. These parties engage in collaborative efforts in tobacco farming and implement the tellon profit-sharing system. The findings reveal that cooperation within the Madurese community is driven by mutual dependency. The tellon profit-sharing system, rooted in mutual agreement between the parties, aligns with the principles of Islamic profit-sharing systems.
subject: Articles
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creator: Oktavian Ferdianto
creator: Sakinah Sakinah
creator: Fahrurrozi Fahrurrozi
creator: Ainol Yakin
creator: Yulia Eva Hidayati
rights: Copyright (c) 2024 Oktavian Ferdianto, Sakinah Sakinah, Fahrurrozi Fahrurrozi, Ainol Yakin, Yulia Eva Hidayati https://creativecommons.org/licenses/by-sa/4.0
date: 2024-12-30
publication date: 2024-12-30
starting page: 211
ending page: 223
doi: 10.46963/jam.v7i2.2428

Investasi syariah dalam meningkatkan profitabilitas PT. Asuransi Takaful Keluarga di tengah tantangan ekonomi global
type: item
description: This research examines how the implementation of sustainable Islamic investment can encourage profit growth at PT. Asuransi Takaful Keluarga. This study aims to analyze the effect of the implementation of sustainable sharia investment on the profit growth of PT. Asuransi Takaful Keluarga in the midst of global economic challenges. Through a qualitative approach, this study found that the implementation of sustainable Islamic investment contributed significantly to the increase in company profits. This is due to several factors, including increased investor confidence and reduced operational risk. This research shows that sustainable Islamic investment is not only limited to fulfilling social and environmental aspects, but can also be an effective business strategy to improve the company's financial performance.
subject: Articles
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creator: Ardiyan Budiman
creator: Ratu Humaemah
creator: Surahman Surahman
creator: Ahmad Jamaludin Jambunanda
rights: Copyright (c) 2025 Ardiyan Budiman, Ratu Humaemah, Surahman Surahman, Ahmad Jamaludin Jambunanda https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 1
ending page: 10
doi: 10.46963/jam.v8i1.2333

Profit-sharing mudharabah transaction in chicken farming businesses: Exploring the benefits and challenges in sharia village owned enterprises-RIAU
type: item
description: The implementation of Mudharabah for chicken farming businesses in Sharia Village-Owned Enterprises (BUMDes Syariah) faces quite big challenges related to understanding concepts and business risk management. The aim is to identify the benefits and challenges of implementing Mudarabah. The method used was a case study approach involving five administrators as informants using qualitative descriptive analysis techniques. The results show that although the implementation of Mudharabah profit sharing has had a positive impact on increasing capital and chicken farming business performance, there are several obstacles such as a lack of understanding of the Mudharabah concept and weak risk management. So intensive training and assistance is needed from sharia financial institutions regarding the proper implementation of Mudharabah. This research has implications for the development of Islamic economic theory and provides practical guidance for managers in optimizing the implementation of Mudharabah. This research underlines the need for more in-depth education and training as well as government policy support for the successful implementation of Mudharabah in the livestock sector and other small and medium enterprises.
subject: Articles
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creator: Syukri Rosadi
creator: Rozi Andrini
rights: Copyright (c) 2024 Syukri Rosadi, Rozi Andrini https://creativecommons.org/licenses/by-sa/4.0
date: 2024-12-30
publication date: 2024-12-30
starting page: 195
ending page: 210
doi: 10.46963/jam.v7i2.2375

Utilitas zakat produktif terhadap penurunan kemiskinan di Provinsi Kepulauan Bangka Belitung
type: item
description: Zakat funds have a crucial role in alleviating poverty. Zakat funds not only provide direct assistance, but also empower through skills training programs and small businesses. Optimization and transparency of zakat fund management have the potential to reduce poverty in Bangka Belitung Province. The research method used in this research is Qualitative. The data collection technique used by researchers is a field survey with interviews and filling out questionnaires to poor people who are respondents and the Bangka Belitung Province Baznas as respondents and institutions that manage zakat funds, then to add to the analysis, literature and documentation studies are conducted. The results of this study indicate that the zakat distribution program carried out by Baznas of Bangka Islands Province is very much in accordance with the characteristics of poverty in the province.
subject: Articles
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creator: Zikri Rahmani
creator: Agung Rizki Putra
rights: Copyright (c) 2024 Zikri Rahmani, Agung Rizki Putra https://creativecommons.org/licenses/by-sa/4.0
date: 2024-12-30
publication date: 2024-12-30
starting page: 184
ending page: 194
doi: 10.46963/jam.v7i2.2332

Pertumbuhan ekonomi antar daerah di wilayah Ajatappareng dalam perspektif ekonomi Islam (Studi lima kabupaten di provinsi Sulawesi Selatan)
type: item
description: The Ajatappareng region in South Sulawesi is a strategic area within the Spatial Planning (RTRW) as part of the Parepare and surrounding key development zones. This study aims to analyze interregional economic growth using descriptive statistical methods based on secondary data from 2011–2015. Additionally, the Location Quotient (LQ) analysis was employed to identify key sectors in each district. The results indicate that the electricity and gas supply sector is the leading sector across all regions, followed by agriculture, forestry, and fisheries, which have significant potential to drive regional economic growth. From an Islamic economic perspective, regional development is guided by Sharia principles to achieve sustainable and stable growth.
subject: Articles
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creator: Ilham Putra Usmayani
creator: Restu Fitria Ningsih
creator: Dian Resky Pangestu
rights: Copyright (c) 2024 Ilham Putra Usmayani, Restu Fitria Ningsih, Dian Resky Pangestu https://creativecommons.org/licenses/by-sa/4.0
date: 2024-12-30
publication date: 2024-12-30
starting page: 172
ending page: 183
doi: 10.46963/jam.v7i2.2315

Pemasaran budidaya ikan nila Desa Sungai Duren melalui analisis SOAR dalam perspektif ekonomi Islam
type: item
description: This research aims to examine parot fish marketing strategies through SOAR (strength, opportunity, aspirations, result) analysis in an Islamic economic review in Sungai Duren sub-district, Jambi Province. The importance of this research is that parot fish is part of the freshwater fish cultivation commodity with urgent economic value. Marketing of parot fish between fish farmers, collectors or consumers can provide efficiency in activities in the field. However, this condition sometimes experiences market access problems, which have an impact on the continued existence of parot fish cultivation businesses. This research uses qualitative methods. The results of the research show that in order for parot fish cultivation to be successful in the future, it is necessary to change the parot fish cultivation strategy itself and change the marketing strategy, which was initially carried out in ponds, changing to the form of cages which are very popular with the public, so that the profits obtained are as expected.
subject: Articles
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creator: Arfah Arfah
creator: Dahlia Dahlia
creator: Heriyani Heriyani
creator: Fitriana Fitriana
rights: Copyright (c) 2024 Arfah Arfah, Dahlia Dahlia, Heriyani Heriyani, Fitriana Fitriana https://creativecommons.org/licenses/by-sa/4.0
date: 2024-12-30
publication date: 2024-12-30
starting page: 160
ending page: 171
doi: 10.46963/jam.v7i2.2305

Konsep kredit dalam bingkai pemikiran Zaid bin Ali serta relevansinya di era kontemporer
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description: Humans continuously engage in various activities, encompassing both divine obligations (hablumminallah) and social interactions (hablumminannas). Islam provides clear guidance on permissible credit transaction schemes and prohibits those that lead to riba. This study employs a descriptive qualitative approach, analyzing the thoughts of Zaid bin Ali through a review of journal articles published on Google Scholar. The research aims to explore Zaid bin Ali's perspective on the concept of credit in Islamic economics and to analyze its relevance to contemporary Islamic financing practices. The findings reveal that, according to Zaid bin Ali, credit transactions with higher prices than cash payments are permissible, provided they are based on mutual agreement and consent between the parties involved. This perspective aligns with the practices of Islamic financial institutions, as regulated by DSN MUI Fatwa No. 04/DSN-MUI/2000.
subject: Articles
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creator: Ismail Ismail
creator: Salisa Amini
creator: Misrah Misrah
rights: Copyright (c) 2024 Ismail Ismail, Salisa Amini, Misrah Misrah https://creativecommons.org/licenses/by-sa/4.0
date: 2024-12-30
publication date: 2024-12-30
starting page: 147
ending page: 159
doi: 10.46963/jam.v7i2.2288

Pengaruh socio-economy patriarki, pendidikan akhir dan pengangguran terhadap TPAK perempuan di Indonesia perspektif ekonomi Islam
type: item
description: In the framework of Islamic economics, every individual is guaranteed equal opportunities to access education and employment, provided that it does not violate Islamic legal principles. The concept of justice in Islamic economics serves to establish a prosperous and equitable society. This study aims to analyze the influence of socio-economic patriarchal cultural values, the level of educational attainment, and the unemployment rate on women's labor force participation rate (TPAK) in Indonesia from an Islamic economics perspective. The research employs panel data from 34 provinces in Indonesia using a saturated sampling method. Data analysis was conducted using EViews 10 software. The findings reveal that socio-economic patriarchal cultural values, educational attainment, and unemployment rates collectively influence women's labor force participation rates in Indonesia. From an Islamic economics perspective, increasing women's participation in the workforce can be achieved by encouraging their involvement in economic activities, motivating them to work, and improving their access to education and career opportunities.
subject: Articles
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creator: Aditya Okta Reza
creator: Erike Anggraeni
creator: Gustika Nurmalia
rights: Copyright (c) 2024 Aditya Okta Reza, Erike Anggraeni, Gustika Nurmalia https://creativecommons.org/licenses/by-sa/4.0
date: 2024-12-30
publication date: 2024-12-30
starting page: 126
ending page: 146
doi: 10.46963/jam.v7i2.2256

Model halal supply chain pada produk kopi
type: item
description: Coffee is inherently a halal product, requiring no further scrutiny regarding its halal status in essence. However, from cultivation to distribution to consumers, there are critical points that necessitate further analysis. This study aims to: (1) explore the halal certification process for coffee products, and (2) develop a halal supply chain model for coffee products. A qualitative approach was employed, utilizing a case study method to provide an in-depth examination of a specific case within a particular location. The research object is Bulan Madu Coffee in Bondowoso Regency, with subjects selected through purposive sampling. Data collection was conducted using observation, interviews, and documentation, and analyzed through Miles and Huberman's flow model technique. Data validity was ensured through source and technique triangulation. The findings reveal that: (1) the halal certification process for Bulan Madu Coffee follows a regular system with tiered halal audits, and (2) the halal supply chain model implemented is a traceability model, which analyzes critical halal points from upstream to downstream. This model assures consumers that, despite being an SME product, Bulan Madu Coffee has obtained official halal certification and is overseen by halal supervisors.
subject: Articles
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creator: Nikmatul Masruroh
creator: Ahmad Fadli
creator: Dina Ayu Safitrih
rights: Copyright (c) 2024 Nikmatul Masruroh, Ahmad Fadli, Dina Ayu Safitrih https://creativecommons.org/licenses/by-sa/4.0
date: 2024-12-30
publication date: 2024-12-30
starting page: 109
ending page: 125
doi: 10.46963/jam.v7i2.2191

Peningkatan Omzet UMKM Makanan Ringan Pasca Sertifikasi Halal di Sumatera Barat
type: item
description: The SMEs sector in snack food plays a significant role in economic advancement. Efforts to promote SMEs in the snack food industry include obtaining halal certification. Previous research has mainly focused on the influence of halal certification on the revenue of SMEs in the food sector. However, there hasn't been a model established for increasing the sales revenue of SMEs in the snack food industry. The objective of this research is to determine the changes in sales turnover of snack food SMEs in West Sumatra after obtaining halal certification and the factors influencing these changes.The research approach used was quantitative, and data were collected through questionnaires and structured interviews with 27 owners of SMEs in the snack food industry. The analysis methods employed were descriptive analysis, t-tests, and SEM-PLS analysis. The research results show that halal certification has a significant relationship with the increase in sales turnover of snack food SMEs in West Sumatra. Factors such as the number of employees, working hours, the age of the SMEs, business capital, and the halal certification process also have a significant impact on the increase in sales turnover after halal certification.
subject: Articles
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creator: Nenengsih Nenengsih
creator: Mulyadi Muslim
rights: Copyright (c) 2024 Nenengsih Nenengsih, Mulyadi Muslim https://creativecommons.org/licenses/by-sa/4.0
date: 2024-06-30
publication date: 2024-06-30
starting page: 95
ending page: 108
doi: 10.46963/jam.v7i1.2099

Strategi Peningkatan Kesadaran dan Motivasi Masyarakat untuk menjadi Donatur LAZIS: Studi Kasus di Lembaga Zakat Infak dan Sedekah Muhammadiyah
type: item
description: The aim of this research is to increase people's motivation to become LAZIS donors, especially LAZISMU. Qualitative research method with case study research using the help of NVivo data analysis. The results showed that the efforts of LAZISMU Tulungagung to increase Muslim awareness in ZIS through the distribution of brochures, installation of flayers in several places, and digital boxes on infak boxes in coffee shops or cafes which the QR code is attached to the media. To facilitate muzakki who want to make zakat payments during the month of Ramadan, LAZISMU Tulungagung opened outlets in several mosques in the Tulungagung Regency area. Until now, LAZISMU Tulungagung is still constrained in socialization and awareness ofthe importance of conducting zakat; and the low motivation of being LAZIS donors. Evaluation which was carried out by LAZISMU Tulungagung by delivering whatsapp blasts related to collection, programs, or words of encouragement to pay zakat and infaq through whatsapp blast messages that donors or muzakki can submit a review of the services provided by LAZISMU Tulungagung.
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creator: Novi Tri Oktavia
creator: Agus Eko Sujianto
creator: Dede Nurohman
creator: Dwi Astuti Wahyu Nurhayati
rights: Copyright (c) 2024 Novi Tri Oktavia, Agus Eko Sujianto, Dede Nurohman, Dwi Astuti Wahyu Nurhayati https://creativecommons.org/licenses/by-sa/4.0
date: 2024-06-30
publication date: 2024-06-30
starting page: 84
ending page: 94
doi: 10.46963/jam.v7i1.1907

Implementasi Etika Bisnis Islam Pelaku Usaha Mikro Kecil dan Menengah (UMKM) di Kecamatan Sibulue
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description: The majority of MSMEs in Sibulue District are Muslim and many are interested in culinary businesses, which can trigger competition among business actors. Islamic business ethics are needed to create healthy competition in carrying out business activities. The aim of this research is to determine the application of Islamic business ethics principles and business patterns to culinary MSMEs in Sibulue District. This research is field research using qualitative methods, namely research based on non-numerical data, such as words and pictures. The data sources for this research are primary data and secondary data. In this research, Miles & Huberman's interactive model data analysis is directed at reducing data, presenting data, and verifying data to draw conclusions. The results of this research indicate that several business actors in Sibulue District have implemented the principles of business ethics. There is no evidence of irregularities committed by business actors in facing competition or in serving consumers. Likewise, in implementing business patterns, culinary business actors in Sibulue District do not apply business patterns that can harm other parties.
subject: Articles
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creator: Mutiara Mutiara
creator: Sitti Nikmah Marzuki
creator: Muhammad Fakhri Amir
rights: Copyright (c) 2024 Mutiara Mutiara, Sitti Nikmah Marzuki, Muhammad Fakhri Amir https://creativecommons.org/licenses/by-sa/4.0
date: 2024-06-30
publication date: 2024-06-30
starting page: 73
ending page: 83
doi: 10.46963/jam.v7i1.1896

Pengaruh Literasi Keuangan Syariah terhadap Persepsi dan Minat Menabung Masyarakat Non Muslim pada Bank Syariah
type: item
description: The interest in saving for non-Muslims is still relatively low in Langsa City due to several influencing factors. This research aims to analyze the influence of sharia financial literacy on the perception and interest in saving of non-Muslim communities at Sharia Banks in Langsa City. The sampling technique in this research used purposive sampling involving 40 respondents. The data analysis method used in this research is Structural Equation Modeling (SEM) with a variance-based approach or component-based structural equation modeling with path analysis. The research results reveal that the variables of Sharia Financial Literacy and perception have a positive effect on Interest in Saving. Apart from that, the perception variable also acts as a mediating variable between the influence of Sharia Financial Literacy on Interest in Saving. The implications of this research reveal that it is important to involve non-Muslims in education programs and sharia financial literacy campaigns to change the non-Muslim community's perception of sharia banks in a positive direction and attract more non-Muslim customers to use sharia banking services.
subject: Articles
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creator: Afifa Turahmah
creator: Zefri Maulana
creator: Tajul Ula
rights: Copyright (c) 2024 Afifa Turahmah, Zefri Maulana, Tajul Ula https://creativecommons.org/licenses/by-sa/4.0
date: 2024-06-30
publication date: 2024-06-30
starting page: 59
ending page: 72
doi: 10.46963/jam.v7i1.1894

Economic Development of Civil Society in Bojonegoro Regency
type: item
description: Economic problems are universal problems faced by various groups of people. The establishment of a civil society economic order is a shared goal to realize the development of people’s economy, it is an economy that involves the participation of many people, which is the livelihood of many people, which provides benefits to many people, and whose ownership is by many people. This article aimed to describe how the activities in the implemented community assistance program were able to make the community in the area around the forest in Bojonegoro Regency became more empowered, with the process of increasing community capacity and utilizing forest access to improve their economy, as well as how each element of the stakeholders contributed to the process of realizing the economic order of society. The approach used was Participatory Action Research (PAR). The results showed that the assistance program carried out was still running until now and there had been several activities carried out, including starting from coordination with stakeholders, Focus Group Discussions (FGD), community meetings, preparation of SOPs, assessment of business potential and feasibility, providing assistance, mentoring, working meetings, MoU, as well as monitoring and evaluation. The mentoring activities carried out also involved many parties, ranging from the public/government sector, private/business sector, universities, Civil Society Organizations (CSOs), community/beneficiary communities, and mass media.
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creator: Joko Hadi Purnomo
creator: Niswatin Nurul Hidayati
rights: Copyright (c) 2024 Joko Hadi Purnomo, Niswatin Nurul Hidayati https://creativecommons.org/licenses/by-sa/4.0
date: 2024-06-30
publication date: 2024-06-30
starting page: 40
ending page: 58
doi: 10.46963/jam.v7i1.1883

Pengelolaan dan Pengembangan Wakaf Uang oleh Lembaga Nazhir di Kota Pekanbaru
type: item
description: The existing cash waqf assets are not yet fully managed by nazhir, because in the Pekanbaru City area there are still limited nazhir resources to manage waqf, both in terms of quality and quantity. This research seeks to explain the management of cash waqf assets and how to develop waqf management by cash waqf nazhir institutions in Pekanbaru City so that the potential of cash waqf can be explored. The research carried out was descriptive qualitative field research. Data was obtained by interviewing informants, namely 6 nazhir cash waqf institutions in Pekanbaru City. Data is presented descriptively based on conditions that occur in the field. The management of cash waqf that has been carried out by nazhir cash waqf institutions in Pekanbaru City has not shown maximum results considering the huge potential. However, the efforts made by these institutions show their seriousness in managing cash waqf. Various programs have been prepared to develop the management of cash waqf in order to increase the benefits of waqf that can be distributed to mauquf 'alaih.The main contribution of this research is to focus on managerial techniques in managing cash waqf in Pekanbaru City.
subject: Articles
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creator: Nuryanti Nuryanti
creator: Haniah Lubis
creator: Muhammad Tahir Cheumar
creator: Ficha Melina
rights: Copyright (c) 2024 Nuryanti Nuryanti, Haniah Lubis, Muhammad Tahir Cheumar, Ficha Melina https://creativecommons.org/licenses/by-sa/4.0
date: 2024-06-30
publication date: 2024-06-30
starting page: 28
ending page: 39
doi: 10.46963/jam.v7i1.1881