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Azam, Ilyas Nurul
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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A ANALISIS KELAYAKAN PADA PEMBIAYAAN MURABAHAH DI BMT MASLAHAH KANTOR CABANG WAGIR Adhom, Ahmad Syaiqullah; Azam, Ilyas Nurul; Kusuma, Guntur
J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis dan Studi Ekonomi Syariah Vol 1 No 1 (2023): J-MABES
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/j-mabes.v1i1.339

Abstract

Based on findings in the field, the Account Officer Analysis of BMT Maslahah Wagir Branch has not used the 5C principle (character, capacity, capital, collateral, condition) in analyzing the feasibility of murabahah financing, but only uses two principles, namely character and customer ability, so that if these two principles have been fulfilled then the other three principles will follow these two principles. However, in implementing installments, there are customers who are fluent in payments and there are customers who are late in the payment process. The purpose of the study was to determine the feasibility process of murabahah financing at BMT Maslahah, Wagir Branch. The method used is a qualitative method with a descriptive approach. This research was conducted at BMT Maslahah Wagir Branch. The results show that the feasibility analysis of the financing proposed by the customer will be analyzed by the BMT Maslahah Wagir Branch using the 5C principle (Character, Capacity, Collateral, Capital, Condition). In addition, the strategy in analyzing financing applies various things, such as taking a personal approach to prospective customers in a communicative manner and conducting interviews by preparing various required documents.
APPLICATION OF ENDORSMENT TO PRODUCT PROMOTION ACTIVITIES IN AN ISLAMIC ECONOMIC PERSPECTIVE Fata, Zainol; Azam, Ilyas Nurul
J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis dan Studi Ekonomi Syariah Vol 1 No 2 (2024): J-MABES
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/j-mabes.v1i2.383

Abstract

Nowadays, in the modern era, the use of marketing strategies aims to modify and introduce existing products to the wider community. Along with the times and accompanied by technological developments, the use of advertising as a promotional medium has changed. One way or steps that companies can take to create advertisements that are appropriate to the current era in marketing their products is by using endorsements. The goal to be achieved in this writing is how the social economy views the use of endorsements in promotional activities The research uses the approach used in this research, namely using a qualitative descriptive approach, while the type of research used in this research is literature. The results of this research are that endorsements are one type of muamalah that is not prohibited in Islam, but there is nothing prohibited in this activity in sharia provisions
Efektivitas Penggunaan Dana Desa Pada Peningkatan Kesejahteraan Ekonomi Masyarakat Dalam Perspektif Ekonomi Syariah Di Desa Rejoagung Jombang Salamah Layliya; Azam, Ilyas Nurul
J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis dan Studi Ekonomi Syariah Vol 1 No 2 (2024): J-MABES
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/j-mabes.v1i2.394

Abstract

Village funds are one of the most important aspects of a village to carry out government programs. This includes programs for the welfare of the people in their area. It is believed that the village government is better able to see the priorities of the community's needs compared to the district government, which actually has a wider and more complex scope of problems. The purpose of this study is to determine the use of village funds, the effectiveness of the use of village funds for the economic welfare of the community and the use of village funds in a sharia economic perspective. This research uses a type of field research with a qualitative descriptive research method, the methods used in this research are: observation, interviews, and documentation. To analyze the data, the authors use the analysis of the Miles and Huberman models with deductive thinking methods. Based on the results of this study, it can be concluded that the implementation of the 2021-2022 Village Funds is well distributed because the use of Village Funds in the field of development and community empowerment is almost balanced, which will later create prosperity, prosperity, independence for the community and widespread development for the village.
Analysis of the Concept of Justice in Pricing from the Perspective of Islamic Business Ethics Fata, Zainol; Azam, Ilyas Nurul
J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis dan Studi Ekonomi Syariah Vol 3 No 2 (2025): J-MABES
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/j-mabes.v2i2.553

Abstract

This study examines the concept of justice in pricing from the perspective of Islamic business ethics. Islam emphasizes that price is not merely a transactional number, but a moral instrument reflecting justice, balance, and public benefit (maslahah) for all parties. Fair pricing should be based on principles of justice, honesty, transparency, and the rejection of harmful practices such as gharar, riba, and ihtikār. The research employed a library research method with a descriptive-analytical approach, reviewing classical and contemporary literature related to Islamic economics and business ethics. The results indicate that fair pricing reflects the proportional value of goods or services, protects consumer rights, ensures reasonable profits for producers, and creates blessings in transactions. The application of these principles is increasingly relevant in the context of globalization and modern business practices, including intense competition, changing consumer behavior, and market digitalization. Therefore, pricing according to Islamic business ethics not only supports business sustainability but also ensures broad societal welfare
Co-Authors Adhom, Ahmad Syaiqullah Fata, Zainol Kusuma, Guntur Salamah Layliya