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All Journal IJIBE (International Journal of Islamic Business Ethics) Dinar: Jurnal Ekonomi dan Keuangan Islam JURISDICTIE Jurnal Hukum dan Syariah Jurnal Ekonomi Islam Journal of Islamic Economic Laws MALIA IJIEEB : International Journal of Integrated Education, Engineering and Business Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Ulumuna: Jurnal Studi Keislaman ACTIVA: Jurnal Ekonomi Syariah Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al Huquq : Journal of Indonesian Islamic Economic Law TERAJU : Jurnal Syariah dan Hukum AL-ARBAH: Journal of Islamic Finance and Banking Implementasi Manajemen & Kewirausahaan Journal of Islamic Economics Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Filantropi: Jurnal Manajemen Zakat dan Wakaf Iqtisadie: Journal of Islamic Banking and Shariah Economy EKONOMIKA SYARIAH : Journal of Economic Studies International Journal of Islamic Thought and Humanities Islamic Economics and Business Review (IESBIR) Kartika: Jurnal Studi Keislaman Jurnal Ekonomi Islam International Journal of Islamic Economics (IJIE) Idealita: Jurnal Pendidikan dan Sosial Keagamaan FIKROTUNA: Jurnal Pendidikan dan Manajemen Islam Journal of Islamic Economic Laws
Ridan Muhtadi
IAI Miftahul Ulum Pamekasan
Religion Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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SHARIA LOCAL FUNDING (SALAF CARD): INNOVATION ON SMES FUNDING USING ISLAMIC BOARDING SCHOOL VENTURE CAPITAL Ridan Muhtadi; R. Wahyu Agung Utama; Faridatun Nila; Imron Mawardi; Moh Fudholi
Ekonomi Islam Vol. 12 No. 2 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i2.3417

Abstract

Islamic boarding school is one of the educational institutions that have a strong network. Until now, there were 27,230 Islamic boarding schools scattered throughout Indonesia. Today, the function of Islamic boarding schools is not only functioning as an Islamic-based educational institution but also Islamic boarding schools has a function as a social institution. Islamic boarding schools are considered potential to become the basis of empowerment local people's economy and the center of economic development of the people in the regions, both in the form of Islamic financial institutions or Islamic boarding school cooperation. Law in Indonesia, No.33 of 2014 concerning guarantees on halal products provides significant opportunities for innovative product development given the huge potential of Indonesia's Muslim population. In the process, the requirement to use halal certification in trade as mandated by national law carries a dilemma on halal industrial players as well as micro, small and medium enterprises (SMEs). The problem of capital and funding is key problem. This qualitative paper offers a literature review. The purpose of this paper is to understand how innovative funding models are through Islamic Boarding School venture capital the company spurred the growth and development of the halal industry. The Sharia Local Funding Card (SALAF) is innovative Mudharabah and Musyarakah transaction models at Baitul Mal Wattamwil, which are realized in sustainable funding with the Sharia business capital company for halal industry players. Allocation of profit sharing is based on the contract by specifying several parts other than cards as productive deposits. These deposits will be managed as productive stimulus funds for maintenance of halal certification, training, and business assistance, and the SALAF card balance itself. SALAF card is an innovative model that has a sustainable funding agreement that involves several stakeholders to improve productivity, growth, and presence of halal products in the nation trade arena. Keywords: financing, SMES, SALAF card, Islamic Boarding School venture capital
Dapatkah Harga dan Kualitas Pelayanan Berdampak Terhadap Minat Konsumen Pada Biro Perjalanan Haji dan Umroh? Rizky Winanda; Nuri Herachwati; Ridan Muhtadi
Ulumuna: Jurnal Studi Keilsman Vol 9 No 1 (2023)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v9i1.6695

Abstract

This scientific article investigates the impact of price and quality of service on consumer interest in Hajj and Umrah travel agencies. The study aims to understand the factors that influence consumers' decision-making process when selecting travel agencies for their religious pilgrimages hajj and umrah. The research employs a quantitative approach, utilizing a structured questionnaire to collect data from a sample of potential pilgrims a hajj and umrah in PT. X. Statistical analysis techniques, including regression analysis, are employed to examine the relationships between price, quality of service, and consumer interest. The findings reveal that both price and quality of service significantly influence consumer interest in Hajj and Umrah travel agencies. Specifically, affordable pricing and superior service quality emerge as key drivers for consumers' selection of travel agencies. The study provides valuable insights for travel agencies to enhance their competitive advantage and attract more customers by strategically managing pricing strategies and improving service quality. Moreover, it contributes to the existing body of knowledge on consumer behavior within the context of religious tourism, particularly for the Hajj and Umrah market segment. Further research avenues are proposed to deepen the understanding of consumer preferences and behavior in this domain
The Importance of Implementing Environment, Social and Government (ESG) and Maqasid Sharia-Based Islamic Finance in Islamic Bank Fitriyana Agustin; Ridan Muhtadi; Sakinah Sahal
Journal of Islamic Economic Laws Vol 6, No 2: July 2023
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v6i2.21214

Abstract

Environment, Social Governance (ESG) is a trending topic worldwide that is gaining a lot of traction because of its focus on social and environmental impact, and its relationship to improving financial performance. Likewise, Islamic Finance, being Shariah-compliant, is also another concept that is growing globally. These two concepts share many common values and similarities as they address challenges of social development. However, there are several obstacles and challenges in terms of integrating ESG in financial institutions, because this is a new concept. Financial institutions implement sharia principles with the aim of achieving Maqasid Sharia (i.e., protecting life, religion, mind, lineage and property). Even in the concept of ESG investment, screening of certain business sectors is required. The aim of this research is to optimize the potential to attract more interest from public companies as ESG and Maqasid Sharia strive to fulfill their social goals without compromising their side business operations. The research method uses a type of Systematic Review with a mixed method of literature search which is carried out both in qualitative and quantitative research. It aims to improve the integrity of research findings from 20 journal articles. This research found that Many Islamic banks have started promoting sustainability through their financing and initiatives many years ago which put them ahead in terms of ESG. There are still many obstacles that need to be overcome to get the best results from the integration of ESG and Islamic Finance as well as offering insights into Islamic finance models such as ESG investment from an Islamic perspective, especially with regard to the concepts of Maqasid Sharia and maslaha mursala, so that ESG and Maqasid Sharia can be applied in all institutions, especially Islamic banking.
Al-Magrizi Inflation Theory Of Islamic Monetary Policy Implementation In Indonesia Ridan Muhtadi; Safarinda Imani
Jurnal Internasional Ekonomi Islam Vol 2 No 02 (2020): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v2i2.2097

Abstract

During the time of Imam al-Magrizi (766-845 H), inflation had occurred in Egypt. Al-Magrizi shows about the theory of inflation. Inflation becomes a discourse that studied heavily in the subject of the economy. Al-Magrizi is an Islamic economic thought who did a particular study of money and inflation. The paper focused on al-Magrizi inflation theory caused by two factors, namely natural factors and human error factors. To solve these factors, a nation could apply Islamic monetary policy to Umar Chapra's thought, namely a credit-oriented (financing) location as a solution of natural factor theory. Also, moral suasion or moral appeals as a solution to the human factor inflation theory.
PENERAPAN MODEL ANGSURAN DALAM SKEMA PEMBIAYAAN DI BMT AL-IKTISAB BERTUJUAN UNTUK MENINGKATKAN PENDAPATAN USAHA MIKRO, KECIL, DAN MENENGAH (UMKM): IMPLEMENTATION OF THE INSTALLMENT MODEL IN THE FINANCING SCHEME AT BMT AL-IKTISAB AIMS TO INCREASE THE INCOME OF MICRO, SMALL AND MEDIUM ENTERPRISES (UMKM) Kamali; Ridan Muhtadi
IDEALITA: Jurnal Pendidikan dan Sosial Keagamaan Vol. 4 No. 1 (2024)
Publisher : LP2M Sekolah Tinggi Agama Islam Al Falah ( STAIFA ) Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62525/idealita.2024.v4.i1.31-41

Abstract

Sejak munculnya, usaha mikro, kecil dan menengah (UMKM ) sudah memiliki peran yang urgen bagi kesejahteraan ekonomi masyarakat menengah kebawah walau tidak secara utuh, mengingat masalah permodalan yang terus menghantui para usaha kecil dalam mengembangkan usahanya. Sehingga perlu adanya kerja sama antara para pedagang kecil dan pihak BMT dalam melakukan pembiayaan secara angsur, agar lebih mudah bagi para pedagang kecil dalam pembayarannya. Karnanya peneliti ingin mengetahui sejauh mana peran BMT membantu UMKM dalam kelancaran modal usahanya dan bagaimana penerapan sistem angsuran dalam pendapatan UMKM di BMT Al-Iktisab, penelitian ini menggunakan metode kualitatif diskriptif.
The Mosque Management Revitalization Through Economic Empowerment of Ummah Moh. Arifin; Ridan Muhtadi; Tate Agape Bawana
International Journal of Islamic Thought and Humanities Vol. 3 No. 1 (2024): International Journal of Islamic Thought and Humanities
Publisher : Sekolah Tinggi Agama Islam Taruna Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54298/ijith.v3i1.96

Abstract

This study aims to enhance the role of the mosque's function as a religious institution so that it is not only used for the spiritual welfare of the community but also must be able to prosper economically. This study adopts a qualitative approach with the phenomenology study method and combines analysis techniques of reduction, display, and verification. The object of this research is the Jenderal Sudirman mosque, Surabaya, where the collection of data comes from observation, in-depth interviews, and documentation. The results of the study show that the application of inputs (institutional, leadership, and goals), processes (spiritual formation, personal mental formation, capacity building, and empowerment), outputs (strengthening of character, strengthening of emotional relationships, strengthening of business and strengthening of the economy and outcomes ( spiritual ability and financial ability)) in economic empowerment is still suboptimal. Therefore, mosques need to revitalize their management to collaborate with the government, state or private universities, private institutions or institutions, and the community. Moreover, the mosque should not only be prospered by the ummah; conversely, it can also prosper the ummah.
Dampak Pengaruh Kurs Valuta Asing Dan Inflasi Terhadap Jakarta Islamic Index Muhtadi, Ridan; Rizatul Yunus, Muhammad; Maulia, Shirenda Rizka; Fudholi, Moh.
Ulumuna: Jurnal Studi Keilsman Vol 7 No 2 (2021)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v7i2.5255

Abstract

Jakarta Islamic Index (JII) is one of the sharia-based stock indexes in Indonesia that provides benefits for capital owners to make investments in accordance with Islamic sharia on the Stock Exchange. This study aims to analyze the Effect of Foreign Exchange Rate Fluctuations (US Dollar and Euro) and Inflation on the Jakarta Islamic Index (JII), with an observation period during July 2017-August 2019. The data used in this study is time series data that is quantitative. which consists of data on the monthly closing value of the JII Variable, Inflation and data on the monthly closing value of the Rupiah exchange rate against the Dollar and EURO. The analytical method used is Multiple Linear Analysis, Hypothesis Testing, and Coefficient of Determination Test. The data processing is carried out using the SPSS 20.0 application. Based on the results of the t test, it partially shows that the value of the US Dollar Exchange Rate (US$) variable has a positive and not significant effect, the EURO exchange rate variable has a positive and insignificant effect while the inflation variable has a positive and insignificant effect on the Jakarta Islamic Index in the 2017-2019 period. . Variables US$, EURO, and inflation simultaneously or together do not have a positive and significant effect on the stock of the Jakarta Islamic Index.
Analisis Partisipasi Masyarakat Nahdlatul Ulama Dalam ‎Meingkatkan Pendapatan Dana (Funding) Lazisnu Kota ‎Sumenep Rahman, Ahmad Taufiqur; Rofiq, Aunur; Wahyuni ‎, Nanik; Muhtadi, Ridan
Ulumuna: Jurnal Studi Keilsman Vol 7 No 2 (2021)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v7i2.5258

Abstract

This study aims to answer the question "about how the level of participation of the Nahdlatul Ulama community in the city of Sumenep in increasing the income of funds through the funding program carried out by LAZISNU Sumenep City. The type of research used is descriptive-analytic qualitative research, with the object of research namely, LAZISNU Sumenep City and the Nahdlatul Ulama community scattered in Sumenep City. The data collection method used is semi-structured interview in order to answer the questions addressed. The results of the study show that participation in the annual program is still weak because the NU community who pays zakat, donates, and gives charity is still very small, not yet reaching 25% of the total population of the NU community in Sumenep City. However, participation in the monthly NU association program (lailatu al-ijtima') can be stated to be quite strong because community participation in the program has been proven to encourage an increase in income from the Sumenep City LAZISNU funds. The participation that appears to be very strong is that of all NU administrators in the City of Sumenep because of their form of devotion to Nahdlatul Ulama and their participation in the form of introducing and promoting LAZISNU to the general public, carrying out LAZISNU's strategy of "collecting ZIS assets from the community, and also becoming a donor. under construction The Sumenep City NU MWC Office including the Sumenep City LAZISNU Office.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BERINVESTASI SAHAM DI PASAR MODAL SYARIAH BAGI GENERASI MILENIAL DI MADURA Muhtadi, Ridan; Fitriyani, Novita Ayu; Herachwati, Nuri
Ulumuna: Jurnal Studi Keilsman Vol 8 No 2 (2022)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v8i2.6220

Abstract

The purpose of this study is to examine or analyze the Factors Influencing Interest in Investing in Islamic Capital Markets for Millennials in Madura. The variables used are Risk, Income and Knowledge level. The Millennial Generation living in Madura who are interested in investing in Islamic Capital Markets is the population of this study. While the sample was chosen using the purposive sampling technique. In selecting this sample, there were 100 respondents from all 4 districts in Madura. The main information used in this investigation came from structured interviews with the help of a questionnaire. Multiple regression analysis is the data analysis used in this study. Whereas the Knowledge Variable is the result of the conclusion that it has a positive and significant effect on Interest in Investing in Shares in the Islamic Capital Market for Millennial Generation in Madura while the Risk and Income Level Variables have a positive but not significant effect on Interest in Investing in Shares in the Islamic Capital Market for Millennial Generation in Madura. Keywords: Islamic Capital Market; Share; Millennial Generation; Interest; Investation
ANALISIS MANAJEMEN SUMBER DAYA INSANI PADA KOPERASI GUNA MENCAPAI KEMANDIRIAN EKONOMI PONDOK PESANTREN AL QORNI, FARID ILHAM; Herachwati, Nuri; Rofiki, Akhmad; Muhtadi, Ridan
Ulumuna: Jurnal Studi Keilsman Vol 8 No 2 (2022)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v8i2.6221

Abstract

The development of a business is very necessary for a skilled, highly motivated, innovative and experienced workforce or human resources, but based on field conditions, it shows that the development of human resources in the Pondok Pasantren Miftahul Ulum Palengaan Cooperative, Pamekasan is still less consistent. This can be seen from employees who lack the ability to manage their human resources so that problems arise, namely the lack of effectiveness of development, especially in terms of economics. The research in this article uses the type of field research that describes the phenomena that occur according to the conditions in the field conducted by searching for data directly in the field. The research method used is a qualitative approach through interviews, observation, and documentation. The results of this study can be concluded that: (1) there are several roles of the MSDI function that we can do in advancing the development of this pasantren cottage cooperative, especially in Human Resource Management such as the functions of planning, organizing, directing, controlling, procurement, development, integrating, compensation, maintenance and discipline (2) there are inhibiting factors, namely SDI that is less qualified and many cooperatives or shops engaged in the same sector. and there are supporting factors in the form of a high sense of enthusiasm between administrators and members and there is a development of santri ideas and innovations through the Santripreneur program that can develop Pasantren cooperatives in empowering economic independence at Pasantren Miftahul Ulum Pamekasan.Keywords: Management, Insani Resources, Economic Independence
Co-Authors Abd Rohman Al Hadifi Abd. Aziz Abd. Wahab Abdul Ghoni Ach. Fauzi Lutfi Afandi, Muhammad Zainur Rahman Agustin, Fitriyana AL QORNI, FARID ILHAM Ali Murtadho Alifah Alifah Anindya Yusuf Wirmanda Anis Eliyana Arifin, Moh. Arifin, Nur Rachmat AUNUR ROFIQ Dhoqi Dofiri Dwi Ariady Kusuma Ervicaninda Herry Fahmi as-Sulthoni Fahrurrozi Fahrurrozi Fahrurrozi Fanani Mafatikul Ihsan Fanani Mafatikul Ihsan Faridatun Nila Faridatun Nila Faridatun Nila Faridatur Rosyidah Firdaus, Nabila Yuli Firman Ardiansyah Firman Ardiansyah Fitriyana Agustin Fitriyana Agustin Fitriyani, Novita Ayu Fudholi , Moh Gancar Candra Premananto Hannan, Abd. Hidayat , Moh. Nurul Ihsan, Fanani Mafatikul Imron Mawardi Inayah Swasti Ratih Istianah Istianah Kamali Kamali Kamali kamali kamali, kamali Karimah Karimah Linda Sari M Mohsi Mansur Mansur Mansur Mansur Maulia, Shirenda Rizka Mawarni, Iga Mi’raj, Denizar Abdurrahman Mi’raj, Denizar Abdurrahman Moch Qosyim Moh Arifin Moh Fudholi Moh Safik Moh Subhan Moh. Arifin Moh. Fudholi Moh. Fudholi Mohammad Adi Mohammad Adi Mohammad Zainal Muharrom, M. Syahrul Mumuh Muhammad Munawaroh, Hikmatul Muslikhin Muslikhin Muzakki Muzakki Nafiah, Ilfiatun Nila, Faridatun Nova Haryanto Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nuri Herachwati Permana, Pramudia Yuly Eka Pramudia Yuli Eka Permana Pramudia Yuly Eka Permana Putri Cahya Rosyadah Qosyim, Moch R Wahyu Agung Utama R Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama Rahman, Ahmad Taufiqur Ratih, Inayah Swasti RB Dandy Raga Utama Ririn Tri Ratnasari Risa Sari Pertiwi Risma Ayu Kinanti Rizatul Yunus, Muhammad Rizky Winanda Rofiki, Akhmad Rosyadah, Putri Cahya Ryval Ababil Safik, Moh Safik, Mohamad Sahal, Sakinah Saini Sakinah Sahal Shofa, Sirojul Arifin Siti Fatimah Siti Masfufa Siyah Siyah Sri Herianingrum Subaida Subaida Suyudi, Moh TAMIMAH TAMIMAH Tamimah, Tamimah Tate Agape Bawana Tsaniyatul Haliyah Utama, R Wahyu Agung Utama, R. Wahyu Agung Wahyuni ‎, Nanik Wisnu Bayu Aji Zaenol Hasan Zainurrafiqi Zainurrafiqi Zavirani Fitrandasari