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All Journal International Journal of Informatics and Communication Technology (IJ-ICT) International Journal of Advances in Applied Sciences At-Taradhi: Jurnal Studi Ekonomi IJIBE (International Journal of Islamic Business Ethics) I-ECONOMICS: A Research Journal on Islamic Economics EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Al-Qardh Jurnal Pendidikan Agama Islam (Journal of Islamic Education Studies) HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa Profetika FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Jurnal Pengabdian UntukMu NegeRI AL QUDS : Jurnal Studi Alquran dan Hadis Resona : Jurnal Ilmiah Pengabdian Masyarakat Jurnal TAM (Technology Acceptance Model) Adi Widya : Jurnal Pengabdian Masyarakat al-Afkar, Journal For Islamic Studies Al-Muzara'ah Journal of Islamic Economic Laws QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Journal of Indonesian Tourism, Hospitality and Recreation Iqtishoduna: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Indonesian Journal of Halal Research Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Azhar Journal of Islamic Economics Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Sustainable Tourism and Entrepreneurship Nusantara Science and Technology Proceedings Journal of Islamic Economics and Finance Studies AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Airlangga International Journal of Islamic Economics and Finance Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Halal Research Journal Jurnal Ar-Ribh Al-Muamalat : Jurnal Ekonomi Syariah Abdi Psikonomi Talaa : Journal of Islamic Finance Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Proceeding ISETH (International Summit on Science, Technology, and Humanity) International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) International Journal of Emerging Issues in Islamic Studies Velocity: Journal of Sharia Finance and Banking International Journal of Law and Society Imara: Jurnal Riset Ekonomi Islam Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Muhibbul Arabiyah: Jurnal Pendidikan Bahasa Arab Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Perbankan Syariah Jurnal TAM (Technology Acceptance Model) Al-Infaq : Jurnal Ekonomi Islam Profetika: Jurnal Studi Islam
Azhar Alam
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Social Sciences Other

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Halal Tourism Potential in Muslim Minority Areas (A Case Study in Indonesia) Azhar Alam; Dian Nofitri; Aminudin Ma'ruf
Journal of Sustainable Tourism and Entrepreneurship Vol. 3 No. 3 (2022): May
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v3i3.1296

Abstract

Purpose: The purpose of this study is to determine the potential that Ngada Regency has as a Muslim minority area in developing halal tourism, as well as the efforts that must be made to support this potential so that it can be applied. Research Methodology: The research method used is descriptive qualitative research. Primary data sources were obtained through interviews with fourteen respondents, including; the Indonesian Ulema Council of Ngada Regency, the Ministry of Islamic Religion of Ngada Regency, the Ngada Regency Tourism Office, Islamic religious leaders, and local Muslim tourists. Results: The results of this study show that Ngada Regency has the opportunity to implement halal tourism, judging from the tourism potential it has, including; marine parks of 17 islands, beaches, mountains, hills, waterfalls, craters, hot springs, and traditional villages. The available tourist attractions are the main attractions and characteristics that distinguish Ngada Regency from other districts in East Nusa Tenggara. Then, judging from the enthusiasm of local Muslim tourists visiting tourist destinations, Ngada Regency has the opportunity to implement halal tourism. However, the facilities and infrastructure available in tourist destinations and lodging places must follow halal tourism principles. Limitations: This study has limited data coverage in an Eastern Indonesia region that has a Muslim minority demographic. Contributions: The study is the first to examine the potential of halal tourism in eastern Indonesia with the condition of the Muslim minority population. Novelty: This study makes a valuable contribution to the study of the development of halal tourism in eastern Indonesia, which has a Muslim minority demographic.
The Problem of Murabaha Financing of Islamic Microfinance Institution and The Handling Strategies in Indonesia: A Literature Review Azhar Alam; Ririn Tri Ratnasari; Nida’ Al-Karimah Makkawi; Aminudin Ma’ruf
AL-MUZARA'AH Vol. 11 No. 1 (2023): AL-MUZARA'AH (June 2023)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.11.1.17-30

Abstract

Indonesia is a country with the largest Muslim population in the world and has extraordinary potential in the amount and assets of Islamic microfinance and can be a reference for the application of Islamic Microfinance in other countries. The purpose of this study was to review the problems in murabaha financing at Islamic Microfinance Institution (IMFI) and the treatments. The approach used was a qualitative analysis of Indonesian literature studies about the specific type of murabaha financing with content analysis and thematic analysis techniques. This study found that internal and external factors caused problematic murabaha financing in BMT. Internal factors include the inaccuracy of BMT in 5C (Character, Capacity, Capital, Collateral, and Condition), lack of supervision, procedures violations, facilities and infrastructure, and lack of human resources (HR). Meanwhile, external factors include bad customers, unexpected circumstances of customers, lack of customer income, inflation, and government policies. The actions done by the BMTs to overcome problematic murabaha financing were by implementing BMT guidelines for prospective customers, preventing and repressive supervising, applying a democratic leadership style, applying fines, rescheduling, restructuring and reconditioning write off, auction of collateral, and legal actions. This study recommends strengthening financing selection by improving human resource skills and also variations in handling murabaha financing with a humanist approach.
ANALYSIS OF THE EFFECT F REVENUE SHARE OF MUDHARABAH AND MUSYARAKAH FINANCING PROCEEDS ON RETURN ON INVESTMENT (ROI) OF AN ISLAMIC BANK: A CASE STUDY Azhar Alam; Maulidyah Indira Hasmarini; Novie Dwi Lestari; Afiq Miftahurizqi Alhaq
Imara: JURNAL RISET EKONOMI ISLAM Vol 7, No 1 (2023): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v7i1.8684

Abstract

This study aimed to determine the effect of revenue sharing on the results of mudharabah and musyarakah financing on Return On Investment (ROI) at PT. Bukopin Sharia Bank 2011-2020. Islamic banks have two financing principles: profit sharing (mudharabah) and profit-sharing (musharaka). This study uses the Partial Adjustment Model (PAM) research method. The population in this study is Islamic banking which is included in the group of Islamic Commercial Banks. The sample used in this study is Bukopin Sharia Bank and is sourced from data from the Bukopin Sharia Bank's annual financial report data. The data used in this study uses secondary data, namely data obtained indirectly from the source in the form of data on the annual financial statements of Bank Syariah Bukopin taken from the official website www.syariahbukopin.co.id. From the research that has been done, the results show that the mudharabah and musyarakah financing variables have a positive effect on Return On Investment (ROI). Based on the results of this study, it is expected that Islamic banking will further increase mudharabah and musyarakah financing. These two products are the hallmarks of Islamic banks, namely profit sharing, because they can affect the rate of return on investment.
Penyuluhan Webinar Hasil Riset Studi Takaful Global Bersama Asosiasi Asuransi Syariah Indonesia (AASI) Azhar Alam; Nur Aini; Arum Mawadati Muthoharoh; Lukmanul Hakim
Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 4 No. 1 (2023): Vol.4 No.1, October 2023
Publisher : Universitas Dinamika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37802/society.v4i1.350

Abstract

Perkembangan perusahaan asuransi syariah ditunjukkan oleh pertumbuhan industri tersebut dari waktu ke waktu. Seiring dengan pertumbuhan, kajian/riset mengenai asuransi syariah mengalami perkembangan. Berbagai bahasan topik dengan metode penelitian yang beragam semakin menambah literasi kajian asuransi syariah di Indonesia. Wadah bagi perusahaan asuransi syariah dan reasuransi syariah di Indonesia tergabung dalam Asosiasi Asuransi Syariah Indonesia (AASI) dalam menyampaikan aspirasi. Tujuan dari kegiatan penyuluhan ini adalah untuk lebih memberikan informasi kepada para penggiat asuransi syariah tentang kemajuan penelitian asuransi syariah. Tujuan kegiatan pengabdian masyarakat ini adalah untuk meningkatkan pengetahuan dan wawasan tentang pertumbuhan penelitian ilmiah  terkait asuransi syariah dalam skala global, dan untuk mencapai tujuan ini dilakukan webinar berisi presentasi hasil dan dialog interaktif. kegiatan pengabdian masyarakat ini mampu menjaring peserta dari berbagai macam kalangan mulai akademisi dan para stakeholder Asuransi Syariah. Hasil pengabdian ini menunjukan rata-rata skor pre-test pada nilai 4,08 dan skor post-test 5,06. Jadi terkait dengan materi yang disampaikan meningkatkan wawasan peserta dari prosentase nilai 39,37% menjadi 52,12%. Pengabdian masyarakat ini diharapkan dapat dilakukan secara lebih luas untuk meningkatkan literasi keuangan syariah masyarakat.
Persepsi Perbandingan Keunggulan Pembiayaan Mudharabah Dan Murabahah Oleh Nasabah Lembaga Keuangan Mikro Islam BMT Azhar Alam; Sanitra Septiana; Afief El Asfahany; Raisa Aribatul Hamidah
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.538

Abstract

This study aims to explore perceptions of the comparative advantage of mudharabah and murabahah financing from the customer side of Islamic microfinance institutions. This study uses an approach using field data in the case study of BMT Alfa Dinar, Karanganyar, Central Java, Indonesia. The data in this study were obtained from 10 customers or customers of murabahah and mudharabah financing, which were taken directly using observation, question and answer, and documentation techniques. The collected data is then analyzed in terms of content, abstracted, and presented. The results of this study are that customers have different perceptions about the advantages of mudharabah and murabahah financing. This perception is seen from various perspectives, including risk, margin, transparency period, and work system. Mudharabah has the advantage of being more reliable than Murabaha. Meanwhile, Murabaha has the advantage of fixed profits or tends to be stable, and if agreed, it cannot be changed. This Murabaha contract is different from the mudharabah, whose profits tend to be unstable. This study recommends increasing business management literacy with mudharabah contract financing to maximize the benefits of Islamic microfinance institutions and customers.
Increased Mastery Of Arabic Vocabulary Through The Arabic Treasure Hunter Game: Peningkatan Penguasaan Kosa Kata Bahasa Arab Melalui Game Arabic Treasure Hunter Azhar Alam; Kusnul Khotimah
MUHIBBUL ARABIYAH: Jurnal Pendidikan Bahasa Arab Vol. 1 No. 1 (2021): MUHIBBUL ARABIYAH: Jurnal Pendidikan Bahasa Arab
Publisher : Himpunan Mahasiswa Program Studi (HMPS) Pendidikan Bahasa Arab Fakultas Tarbiyah dan Ilmu Keguruan (FTIK) Institut Agama Islam Negeri (IAIN) Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/pba.v1i1.9

Abstract

This study examines the success of Arabic learning activities using the Arabic Treasure Hunt Game learning model to improve students’ Arabic vocabulary mastery while knowing their perceptions of the learning model. This study uses a qualitative descriptive approach with data collection methods through observation and interview techniques. This research was carried out in Darusy Syahadah Boyolali Islamic boarding school with the research subject of I' dād Kulliyatil Mu'allimāt (IKM) of 42 students. The data analysis method is a qualitative analysis technique equipped with a bit of quantitative descriptive data. The results of this study indicate that (1) the Arabic Treasure Hunt Game can increase students' interest in learning Kulliyatil Mu'allimāt (IKM) in learning Arabic vocabulary. (2) The Arabic Treasure Hunt game can help students improve Arabic vocabulary mastery. (3) Students perceive the Arabic Treasure Hunt Game is an exciting game that can increase interest and enthusiasm for learning, facilitate mastering new vocabulary, and improve the ability to master Arabic vocabulary.
ISLAMIC LAW ANALYSIS ON THE PRACTICE OF ONLINE RETAIL GOLD TRANSACTION Aminudin Ma'ruf; Azhar Alam; Angrinda Anggih Umi Kulsum; Aditya Nurrahman
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.943

Abstract

This research is comprehensively investigating the mechanism of gold trading at the Tokopedia Gold site from an Islamic law perspective. This research further explains the Islamic views on the gold trade in retail through an online site. Two methods were used in completing this research; a qualitative descriptive method on the observation of the trading and library research. Upon supporting the research, three interviews with related customers are approached. Reviewing the terms and conditions of purchasing a product from Tokopedia Gold and literature review methods have also been taken into consideration. The paper found that the practice of purchasing gold through Tokopedia Gold is a full-payment purchase and avoiding the instalment method which might be against Islamic law. The research found that there is an existence of gharar when the purchaser does not possess the gold physically and does not know the existence of the gold. This paper recommends that the specifications of gold must be specified by a seller and spreading the knowledge of gold trading from an Islamic perspective. 
Corporate Social Responsibility for Economic Recovery Post-Pandemic: A Lesson from Bank Syariah Indonesia Aminudin Ma'ruf; Rahayu Puji Lestari; Azhar Alam
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.9967

Abstract

This study aims to determine the implementation of BSI's CSR programs to support economic recovery post-pandemic, and identify the supporting and inhibiting factors in implementing its programs. The method used for this research is a qualitative method that presents actual data according to conditions in the field by direct interviews with associated parties. The study results show that BSI has set a strategy to optimize its CSR program, one of which is by focusing on empowering MSMEs. In Indonesia, MSMEs are considered the main factor for accelerating economic recovery. In its implementation, CSR at BSI indeed encounters supporting factors as well as inhibiting factors. The supporting factor is the existence of an ecosystem in implementing CSR programs, to which many parties contribute. The obstacles encountered were the lack of public understanding and education of CSR programs.
Analysis of Consumption Behaviour of Millennial Housewives: A Case Study in Pacitan Based on Al-Ghazali's Consumption Theory Alam, Azhar; Purwaningsih, Rista; Isman, Isman
AL-QARDH Vol 8 No 2 (2023): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Consumption behaviour is part of human life's needs, which are also regulated in Islam. However, the phenomenon of the emergence of Islamic economics has not completely changed people's consumption behaviour to be more in line with Islamic teachings. This research aims to determine the consumption behaviour of millennial homemakers in Pacitan and its suitability in terms of Al-Ghazali's consumption theory. This study used a case study in Pacitan by interviewing 20 informants in depth from various literature related to consumption behaviour in Islam. The research results show that their consumption behaviour always prioritizes fulfilling primary needs in the form of food, shelter, clothing, education and health. When faced with a choice between needs and desires, desires will be fulfilled after primary needs are met. Apart from that, they also always use halal assets and goods and make plans to save for their children's education costs or if there is a sudden need. However, a group of millennial housewives are still wasteful and stingy and have not paid zakat and alms as a form of concern for the surrounding environment. This research is an initial study revealing the study of people's consumption behaviour based on Islamic economic thinkers. The study can be a reference for studying Islamic consumption behaviour for academics and improving people's consumption behaviour.
Trust Studies of Zakat Institutions: A Systematic Review for Future Research Direction Alam, Azhar; Ratnasari, Ririn Tri; Ryandono, Muhamad Nafik Hadi; Prasetyo, Ari; Rahmawati, Estina
International Journal of Emerging Issues in Islamic Studies Vol. 3 No. 2 (2023): December 2023
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeiis.v3i2.1419

Abstract

This study systematically reviewed the literature on trust-related publications in zakat institutions. This study revealed the development of the study of trust in zakat institutions, the thematic classification of the study, and discussions on the direction of future research development. This study adopted the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) system in screening the articles that were the subject of the study. From 415 zakat study documents indexed by the Scopus database, this study selects all articles and leaves 24 studies that make trust in zakat institutions the primary study material.The results show an increasing trend in the number of publications discussing trust in zakat institutions in recent years. This study also classified the findings from empirical research and conceptual models in the factors that shape trust in zakat institutions and the influence of faith on zakat behavior. This study also mapped out qualitative study findings that explain the sources of public distrust of zakat institutions and the solutions offered. This research is a pioneer in the discussion of literature systematically related to the research of trust in zakat institutions. This study also discussed potential research develop a survey of trust in zakat institutions.
Co-Authors Abdelsalam Adam Hamid Abdelsalam Adam Hamid Achmad Fajar Sidiq Ade Indra Adi Saifurrahman Adinda Putri Cahyani Aditya Nurrahman Aditya Nurrahman Aditya Nurrahman Aditya Nurrahman Adityo Wiwit Kurniawan Adriansyah, Ikhwan Afief El Asfahany Afief El Ashfahany Afiq Miftahurizqi Alhaq Al Bagir, Muhamad Aminudin Ma'ruf Anggraeni, Arum Angrinda Anggih Umi Kulsum Anis Ulul Hikmah Anisa Nur Faizah Annajaty, Abdulloh Yahya Ari Prasetyo Arum Anggraeni Arum Mawadati Muthoharoh Azizi, Muhammad Azzam Izzuddin Bafana, Faiz Adib Bayu Arie Fianto Boby Habibi Cahyaningrum, Linda Islam Chabibatul Mu’awanah Chantarungsri, Chariyada Dedi Junaedi Delvia Rusita Purnamasari Devi Wijayanti Deviana Sari Dewi Permata Sari Dian Nofitri Diana Setiawati Dicky Trio Adi Saputro Eka Lutfia Khoirun Nisa Eka Lutfia Khoirun Nisa Eni Setyowati Fathma, Azizah Fatimah Salma Azzahra Fauzul Hanif Noor Athief Fiky Nila Mustika Galuh Thifal Anggraeni Hamidah, Raisa Aribatul Hamidah, Raisa Aribatul Harun Hidayati, Sukri Ilham Aji Saputro Imron Rosyadi Inayati, Nurul Latifatul Indriyani, Latifah Isman Isman, Isman Izzuddin, Azzam Jamil, Fadila Ainur Jim, Mahafizur Rahman Kintan Indah Sriwahyuni Kusnul Khotimah Lukman Hakim Luthfi Aria Widyatama Mirza M. Mus’ab At-Thariq M. Rizal Arsyad Marissa Grace Haque Marissa Grace Haque, Marissa Grace Maulidyah Indira Hasmarini Muchamad Rizsal Sulistiyanto Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhamad Taufik Hidayat Muhammad Anas Muhammad Hanif al Hakim Muhammad Zulkifli, Muhammad Musliah Isnaini Rahmawati Mustika, Fiky Nila Nida’ Al-Karimah Makkawi Nisa', Eka Lutfia Khoirun Nisrina Mar-atus Sholihah Nizam, Renaldi Sahrul Nofitri, Dian Novie Dwi Lestari Nugroho, Wisnu Adji Nur Aini Nur Jannah Nur Kasanah, Umi Nur Puji Rohmawati Nur Rizqi Febriandika Nurrahman, Aditya Nurrahman, Aditya Nurrochman, Danang Dwi Nurul Latifatul Inayati Prestiyono, Bagus Ledi Priandana, Damara Purbo Tyas, Gharnis Purwaningsih, Rista Raditya Sukmana Rafi Siregar Rahayu Puji Lestari Rahmawati, Estina Raihan, Fadhiil Arkanur Raisa Aribatul Hamidah Raisa Aribatul Hamidah Rama, Nabila Rahmawati Refita Yunie Samhuri Renaldi Sahrul Nizam Ririn Tri Ratnasari Rizka Rizka Sanitra Septiana Saputro, Triyono Adi Sholikah, Nikmatus Sidiq, Achmad Fajar Siti Nurbaya Siti Nurbaya Sri Herianingrum Suranto Suranto Suratman, Asyifa Syauqi Syahidah, Yasmin Syaraf, Ahsan Barra Tata Leni Lestari Tika Widiastuti Umi Nur Kasanah Wahyu Intan Kusumastuti Wardah Yuspin Wiguna, Aditama Chandra Wijayanti, Devi Wulandari, Zuli Yuli Tri Utami Yunie Samhuri, Refita Yusuf, Jibrail Bin Zifamina, M. Zainul Haq Fiddin