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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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Optimalisasi BUMDES Berbasis OVOP (One Village One Product) Concept Di Kabupaten Pamekasan Ardiansyah, Firman; Firdaus, Nabila Yuli; Muhtadi, Ridan
Implementasi Manajemen & Kewirausahaan Vol 1 No 2 (2021): JURNAL IMKA (OCTOBER)
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Wijaya Putra

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (749.797 KB) | DOI: 10.38156/imka.v1i2.76

Abstract

This study aims to provide a conceptual model regarding the optimization of Village-Owned Enterprises (BUMDES) based on the OVOP (One Village One Product) concept as a flagship program, which is every BUMDES in Pamekasan Regency forms a community that leads to integrated community economic empowerment order to optimizing superior commodities in Pamekasan Regency each village. This study uses descriptive qualitative methods with secondary data collection methods obtained from literature and documentaries that have been processed. While the data analysis technique starts from editing, organizing and finding. The results showed that this program has the potential to be realized, seeing the superior commodities owned by each village in Pamekasan Regency are very many and varied, in addition to support from the government regarding the priority of using the 2021 Village Fund for BUMDES, this program is the right step in overcoming existing problems. This program can be an alternative that is able to create food self-sufficiency in Pamekasan Regency as well as become one of the exporters of domestic products spread to national and international regions.
ANALISIS PRAKTEK BARTER PASCA PANEN PADI DITINJAU DARI PERSPEKTIF EKONOMI ISLAM: ANALISIS PRAKTEK BARTER PASCA PANEN PADI DITINJAU DARI PERSPEKTIF EKONOMI ISLAM Arifin, Nur Rachmat; Tamimah, Tamimah; Muhtadi, Ridan; Ratih, Inayah Swasti; Qosyim, Moch
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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

Abstract

This research uses descriptive qualitative method, this research is a type of field research (field research) conducted in Taman Sareh Village, Sampang District, Sampang District, the primary data source from the research results of interviews with several residents who are in Taman Sareh Village who conduct direct use This barter, starting from village officials such as village treasurers, and students from Taman Sareh Village, and also farmers. Secondary data contains records, reports arranged in an archive (in documents). Secondary data sources are from books, documentation, internet, and articles related to this research. So the post-harvest rice barter transaction in Taman Sareh Village, Sampang District, Sampang Regency is in accordance with Islamic law as what was added in the previous chapter. The results of this study indicate that the post-harvest rice barter transaction in Taman Sareh Village, Sampang District, Sampang Regency is in accordance with Islamic Sharia, follows the barter trade agreement, and barter requirements. Keywords: Modern, Barter, Islamic economy
Penerapan Model Hybrid Contract pada Akad Bai’ Al-Wafa’ Ma’al Ijarah dalam Produk Pembiayaan Muhtadi, Ridan; Safik, Moh; Suyudi, Moh; Fudholi , Moh
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 5 No. 2 (2023)
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v5i2.8816

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan model hybrid contract pada akad Bai’ Al-Wafa’ Ma’al Ijarah dalam produk pembiayaan di BMT. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi kasus pada BMT Mawaddah. Data diperoleh melalui wawancara dengan pengurus dan anggota BMT serta analisis dokumen terkait akad Bai’ Al-Wafa’ Ma’al Ijarah. Hasil penelitian menunjukkan bahwa penerapan model hybrid contract pada akad Bai’ Al-Wafa’ Ma’al Ijarah dapat meningkatkan efektivitas pembiayaan dan meminimalkan risiko bagi BMT. Hybrid contract ini menggabungkan prinsip-prinsip dari dua jenis kontrak, yaitu Bai' al-wafa' dan Ijarah, sehingga dapat memperluas ruang lingkup pembiayaan yang ditawarkan oleh BMT. Selain itu, hybrid contract ini juga dapat mengurangi risiko default dan kerugian bagi BMT, karena terdapat jaminan dari pihak pengguna barang atau jasa yang disewakan. Meskipun demikian, penelitian ini juga menemukan beberapa kendala dalam penerapan hybrid contract pada akad Bai’ Al-Wafa’ Ma’al Ijarah di BMT Mawaddah, seperti kurangnya pemahaman dan kesadaran anggota BMT tentang hybrid contract, serta kendala dalam pelaksanaan akad tersebut. Oleh karena itu, penelitian ini merekomendasikan perlunya peningkatan pemahaman dan sosialisasi tentang hybrid contract pada akad Bai’ Al-Wafa’ Ma’al Ijarah kepada anggota BMT yang akan melakukan pembiayaan, serta perlu adanya bimbingan dalam pelaksanaan akad tersebut. (This research aims to analyze the application of the hybrid contract model on the Bai’ Al-Wafa’ Ma’al Ijarah contract in financing products at BMT. The research method used is qualitative with a case study approach on BMT Mawaddah. Data were obtained through interviews with BMT officials and members, as well as the analysis of documents related to the Bai’ Al-Wafa’ Ma’al Ijarah contract. The results of the study indicate that the application of the hybrid contract model on the Bai’ Al-Wafa’ Ma’al Ijarah contract can improve financing effectiveness and minimize risks for BMT. This hybrid contract combines principles from two types of contracts, Bai' Al-Wafa' and Ijarah, thus expanding the scope of financing offered by BMT. Additionally, the hybrid contract can also reduce default and loss risks for BMT since there are guarantees from the lessee of the goods or services leased. However, this research also found some challenges in the implementation of the hybrid contract on the Bai’ Al-Wafa’ Ma’al Ijarah contract at BMT, such as a lack of understanding and awareness of the hybrid contract among BMT members, and difficulties in executing the contract. Therefore, this study recommends the need for increased understanding and socialization of the hybrid contract on the Bai’ Al-Wafa’ Ma’al Ijarah contract among BMT members, as well as the need for guidance and training in executing the contract.)
ANALISIS PRAKTEK BARTER PASCA PANEN PADI DITINJAU DARI PERSPEKTIF EKONOMI ISLAM: ANALISIS PRAKTEK BARTER PASCA PANEN PADI DITINJAU DARI PERSPEKTIF EKONOMI ISLAM Arifin, Nur Rachmat; Tamimah, Tamimah; Muhtadi, Ridan; Ratih, Inayah Swasti; Qosyim, Moch
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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

Abstract

This research uses descriptive qualitative method, this research is a type of field research (field research) conducted in Taman Sareh Village, Sampang District, Sampang District, the primary data source from the research results of interviews with several residents who are in Taman Sareh Village who conduct direct use This barter, starting from village officials such as village treasurers, and students from Taman Sareh Village, and also farmers. Secondary data contains records, reports arranged in an archive (in documents). Secondary data sources are from books, documentation, internet, and articles related to this research. So the post-harvest rice barter transaction in Taman Sareh Village, Sampang District, Sampang Regency is in accordance with Islamic law as what was added in the previous chapter. The results of this study indicate that the post-harvest rice barter transaction in Taman Sareh Village, Sampang District, Sampang Regency is in accordance with Islamic Sharia, follows the barter trade agreement, and barter requirements. Keywords: Modern, Barter, Islamic economy
SMALL AND MEDIUM ENTERPRISE PERCEPTION OF HALAL CERTIFICATION POST FORMALIZATION OF ISLAMIC CITY BRANDING Arifin, Nur Rachmat; Muhtadi, Ridan; Herianingrum, Sri
IJIBE (International Journal of Islamic Business Ethics) Vol 4, No 1 (2019): March 2019
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.4.1.601-610

Abstract

SMEs (Small and Medium) are a solution to improve the economic sector and recorded in the Ministryof SMEs increasing from 57.84 percent to 60.34 percent by absorbing labor in the country, but the public and companies do not know much about Halal Certification in Bangkalan, Pamekasan, and Pasuruan, Madura Island that the majority of the people of Islam, past cultural and religious beliefs is still maintained so that its people follow traditional traditions, Madurese in all cities, one of them is Pasuruan, Pasuruan city as the main stopover city for Muslim traders from inside the country and abroad. This research aims to find out how to understand SMEs about halal certification which already has the Islamic City Branding, This research aims to know how to understand SMEs about halal certification that has had the slogan Islamic City Branding, This research uses a descriptive qualitative research method, with sampling techniques using snowball sampling. The primary data sources used in this study were documentation and direct interviews with SMEs in culinary fields in Bangkalan, Pamekasan, and Pasuruan Samples criteria in this study are the SMEs culinary fields in the 3 districts consist of 20 people each in each sub-district, while secondary data sources were obtained from books and journals. The results of this study indicate that as many as 39 or 65% of informants perceive that halal certificates are not important and only 21 or 35% of informants who consider halal certificates are important, Many challenges and problems faced in the development of halal lifestyle in Pasuruan and Madura, then the author gave a strategy that must be applied is thorough and answer all the challenges as existing problems, can increase core competencies of SMEs and ultimately increase competitiveness.
EVOLUSI SUKUK (OBLIGASI SYARIAH): TANTANGAN DAN PROSPEK MASA DEPAN DI TAPAL KUDA JAWA TIMUR Zaenol Hasan; Saini; Ridan Muhtadi
TERAJU: Jurnal Syariah dan Hukum Vol 6 No 02 (2024)
Publisher : P3M dan Jurusan Syariah dan Ekonomi Bisnis Islam STAIN Sultan Abdurrahman Kepulauan Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35961/teraju.v6i02.1616

Abstract

This study aims to understand the challenges and constraints in the evolution of Islamic bonds and explore the challenges that have been identified. aims to provide insights into the dynamics of sukuk and identify key challenges. The research method used in this study is a qualitative case study approach. This study uses purposely selected informants. Data were collected through observation, in-depth interviews and documentation to gain an in-depth understanding of this phenomenon. The data was analyzed using the Miles and Huberman data analysis technique, which includes data reduction, data display, and verification, resulting in a comprehensive conclusion about the challenges and future prospects of sukuk (Islamic bonds). The research results in this study produce several causes of challenges and obstacles to the evolution of sukuk (Islamic bonds) in the form of non-uniformity of sharia principles that must be used as guidelines and the complexity of the transaction structure. The study concludes that the evolution of sukuk (Islamic bonds) is faced with significant challenges such as public perception and regulatory complexity, which affect the development of this financial instrument. Nonetheless, the future prospects of sukuk remain promising with increased understanding of Shariah principles and efforts to improve the regulatory infrastructure. To achieve the full potential of sukuk, strong collaboration between market participants, regulators and the public is required to overcome these challenges and capitalize on opportunities to support inclusive and sustainable economic growth.
Desain Model Baitul Maal Santri sebagai Pengelolaan Keuangan Syariah di Pondok Pesantren Muhtadi, Ridan; Zaenol Hasan; Mohammad Zainal
Journal of Islamic Economics (JoIE) Vol. 4 No. 2 (2024)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v4i2.10198

Abstract

Introduction: This study aims to develop a Baitul Maal model for Islamic boarding school students (Baitul Maal Santri/BMS) to enhance financial management within these institutions, using SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis. Research Methods: The research employs primary and secondary data collected through observations and questionnaires distributed to students, administrators, and stakeholders in Islamic boarding schools in East Java. The data are analyzed using SWOT to identify internal and external factors affecting the implementation of the BMS model. Results: The findings reveal strengths such as adherence to sharia principles, avoidance of usury, and facilitating student payments. However, weaknesses include limited human resources, slow collection systems, and inadequate infrastructure. Opportunities include a defined student customer base, strategic location, and a safe environment. Threats include technological advances, limited technological proficiency, and dishonest customers. Conclusion: Based on SWOT analysis, the study recommends strategies focusing on improving human resource capacity, collaborating with financial institutions, and enhancing financial education for students. The BMS model holds significant potential to improve financial literacy and economic skills among students, provided that continuous support from stakeholders is ensured.
Design and Characteristics of Islamic Economy: An Alternative Solution to the Global Crisis Kamali, Kamali; Murtadho, Ali; Muhtadi, Ridan; Mi’raj, Denizar Abdurrahman
International Journal of Islamic Thought and Humanities Vol. 4 No. 1 (2025): 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.v4i1.311

Abstract

The failure of the conventional economic system has been clear in world economic history. The occurrence of global crises is the result of the application of the interest system as a result of capitalism and the collapse of the Soviet Union as a tangible form of the failure of the socialist economic system led to the awareness of economists to review the two conventional systems and even require other alternatives that are more ethical and humane so that the same thing does not happen. The Islamic economic system meets these criteria. However, the Islamic economic system cannot be implemented without the support of knowledge about the characteristics and design of the Islamic economy. This study aims to explore the concepts of Islamic economics that are unique compared to the conventional economic system, the design of Islamic economics, and its implementation to anticipate the global crisis. The approach used in this research is a qualitative approach with a systematic literature review method. Data were obtained from scientific journals, books, and official documents relevant to the research topic. The analysis is done descriptively analytically to explore the main characteristics of Islamic economics and develop the system design. The results show that the Islamic economic system that offers a profit-sharing system, as applied in Islamic banks, is resilient in the face of the global crisis. In addition, the impact of the worldwide crisis that adversely affects poverty can be overcome through the instruments of Zakat, Infaq, Sadaqah, and Waqf, which are therefore essential to institutionalize and manage properly, transparently and accountably.
PENERAPAN MODEL ANGSURAN DALAM SKEMA PEMBIAYAAN DI BMT AL-IKTISAB BERTUJUAN UNTUK MENINGKATKAN PENDAPATAN USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) Muhtadi, Ridan; kamali, kamali
IDEALITA: Jurnal Pendidikan dan Sosial Keagamaan Vol. 4 No. 1 (2024): Idealita
Publisher : LP2M Sekolah Tinggi Agama Islam Al Falah ( STAIFA ) Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62525/10.62525/idealita.2024.v4.i1.30-40

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.
Determinants of Customer Decisions to Save at Sharia Digital Banks Arifin, Moh.; Muhtadi, Ridan; Mi’raj, Denizar Abdurrahman; Fatimah, Siti; Hannan, Abd.
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7608

Abstract

Lembaga keuangan perbankan di Indonesia mengalami transformasi digital yang pesat namun tingkat penerimaan Masyarakat masih tergolong rendah. Penelitian ini bertujuan untuk mengungkapkan dampak variabel religiusitas, keamanan fintech, dan citra merek terhadap keputusan nasabah untuk menyimpan uang di bank digital syariah. Penelitian ini menggunakan data primer yang diperoleh melalui penyebaran kuesioner atau angket, melibatkan 100 responden yang dipilih berdasarkan perhitungan lemeshow. Metode analisis yang digunakan adalah uji validitas, reliabilitas, uji asumsi klasik, uji regresi linier berganda dan uji hipotesis dengan menggunakan perangkat lunak SPSS 24 untuk menganalisis data penelitian. Hasil penelitian menunjukkan bahwa secara parsial variabel keamanan fintech dan citra merek memiliki pengaruh yang signifikan (Sig. <0,005) terhadap keputusan nasabah untuk menabung di bank digital syariah, sementara variabel religiusitas tidak memiliki pengaruh signifikan (Sig. >0,005) terhadap keputusan nasabah untuk menabung di bank digital syariah. Temuan ini mendorong penelitian selanjutnya untuk mengeksplorasi faktor-faktor lain yang dapat memengaruhi keputusan nasabah dalam menggunakan layanan bank digital syariah. Sehingga mampu menjadi bahan evaluasi bagi industri bank digital syariah dalam meningkatkan pangsa pasar.The banking and financial institutions in Indonesia have undergone rapid digital transformation; however, the level of public acceptance remains relatively low. This research aims to elucidate the impact of religiosity, fintech security, and brand image variables on customers' decisions to deposit money in Islamic digital banks. The study employs primary data obtained through the distribution of questionnaires, involving 100 respondents selected based on the Leveshow calculation. The analytical methods utilised include validity and reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing, all conducted using SPSS 24 software for data analysis. The results of the study indicate that, partially, fintech security and brand image variables exert a significant influence (Sig. <0.005) on customers' decisions to deposit money in Islamic digital banks. Meanwhile, the religiosity variable does not have a significant impact (Sig. >0.005) on customers' decisions to deposit money in Islamic digital banks. These findings propel further research to explore other factors that may influence customers' decisions to utilise Islamic digital bank services. Thus, it can serve as evaluative material for the Islamic digital banking industry to enhance market share
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