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All Journal Value Added: Majalah Ekonomi & Bisnis Journal of Islamic Studies and Humanities Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen al-Afkar, Journal For Islamic Studies KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH Journal of Indonesian Tourism, Hospitality and Recreation JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal Public Policy International Journal of Zakat (IJAZ) Jurnal Al Azhar Indonesia Seri Ilmu Sosial Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Bertuah : Jurnal Syariah dan Ekonomi Islam AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy Jurnal Ekonomi KIAT Journal of Islamic Economic and Business Research Al Dzahab Ijtimā`iyya: Journal of Muslim Society Research Unisia Constitution Journal Sanskara Akuntansi dan Keuangan JIPM: Jurnal Indragiri Penelitian Multidisiplin Jurnal Multidisiplin West Science The Es Economics and Entrepreneurship Journal of Central Banking Law and Institutions Jurnal Adijaya Multidisiplin Sanskara Manajemen dan Bisnis Eastasouth Journal of Impactive Community Services Jurnal Pengabdian West Science West Science Journal Economic and Entrepreneurship Journal of Business and Political Economy: Biannual Review of The Indonesian Economy Review Journal Middle East and Islamic Studies Imara: Jurnal Riset Ekonomi Islam INASJIF Neraca Manajemen, Akuntansi, dan Ekonomi Constitution Journal West Science Islamic Studies Maklumat: Journal of Da'wah and Islamic Studies PRIMER: Jurnal Ilmiah Multidisiplin Al-Fadilah: Islamic Economics Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Ulil Albab Journal of Islamic Economics and Business Ethics Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Zulfikar Hasan
Department Of Islamic Banking And Center For Research And Community Service At STAIN Bengkalis Riau
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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Faktor-Faktor Pemanfaatan Teknologi Informasi Terhadap UKM Tenun Songket Siak Supriyadi; Irnaldi; Afriyadi; Zulfikar Hasan
Jurnal Multidisiplin West Science Vol 2 No 06 (2023): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v2i6.378

Abstract

Usaha Kecil Menengah (UKM) mempunyai peranan yang penting dalam pertumbuhan ekonomi dan industri suatu negara. Penelitian yang dilakukan terhadap UKM tenun songket Siak menemukan bahwa secara umum adopsi teknologi informasi (TI) oleh UKM songket masih rendah. Kendala yang dialami baik pemilik usaha songket maupun pekerjanya disebabkan oleh minimnya ilmu pengetahuan dan keahlian yang mereka dapat. Penelitian ini bertujuan untuk menganalisis faktor-faktor pemanfaatan teknologi informasi pada karyawan/ti UKM kain songket Siak. Survei dilakukan pada 70 karyawan/ti UKM. Hasil penelitian menunjukkan faktor sosial, kompleksitas, dan konsekuensi jangka panjang tidak berpengaruh terhadap pemanfaatan TI. Sedangkan kondisi yang memfasilitasi berpengaruh terhadap pemanfaatan TI karyawan/ti UKM tenun songket Siak.
ANALYSIS OF ISTISHNA' CONTRACT IMPLEMENTATION IN THE SALE OF FURNITURE PRODUCTS: A CASE STUDY IN BENGKALIS DISTRICT, RIAU PROVINCE Sri Wahyuningsih; Zulfikar Hasan; Puji Afriyeni
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.v7i1.8815

Abstract

Background. The Istishna contract, from the point of view of mutsman (goods sold), has a special character, namely goods that are manufactured in nature, as explained in the theory of production, which, among other things, converts raw goods into finished goods. Therefore, an istishna’ contract of sale and purchase is impossible for natural goods, such as watermelons, durians, mangosteens, and bananas, because humans can’t make these things. However, manufactured goods, such as vehicles (cars, aeroplanes, ships), houses, buildings, and furniture, can be used as mutsman in buying and selling istishna’.Purpose. This study aims to determine how the Istishna contract’s implementation in buying and selling occurs at CV. Alsindo Furniture follows the perspective of Islamic Economics.Method. This research is classified as qualitative research with an empirical descriptive approach, examining the sources used as subjects in this study. The primary data is based on observation, interviews, and documentation.Results. The results of the research, it can be concluded that transactions occur at CV. Alsindo Mebel is following the Islamic Economics review, based on the Hanafi school’s opinion, where goods being transacted are clear in shape, type, and size. In other words, buyers can enjoy goods according to their wishes..Conclusion. The istisna contract was carried out on a CV. Alsindo Mebel follows the Islamic economics perspective. Based on the results of the research conducted, it can be concluded that the transactions that occurred at CV. Alsindo Mebel is following the Islamic Economics review, based on the Hanafi school’s opinion, where the goods being transacted are goods that are clear in shape, type, and size. In other words, buyers can enjoy goods according to their wishes.
Analysis of Public Satisfaction at the Bengkalis Regency Population and Civil Registration Office Riau Province Indonesia Zulfikar Hasan; Risma Junita; Sri Ika Mulia; Ika Kurnia Sofiani; Mohd Helmi Ali
Jurnal Public Policy Vol 9, No 3 (2023): July
Publisher : Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jpp.v9i3.6579

Abstract

The purpose of this study was to analyze the satisfaction of service quality at the Department of Population and Civil Registry of Bengkalis Regency. The research carried out is a descriptive qualitative study, in which the researchers not only distribute questionnaires but also conduct in-depth interviews with the heads of related units at the Bengkalis Regency Population and Civil Registry Office. In general, all the 14 assessment indicators got an average score of 72.4 which means good. While the service element that gets the highest score is service procedure of 3.24, and the lowest is service security. This study provides an overview that can be used by the Department of Population and Civil Registry of Bengkalis Regency to evaluate all units related to community services. Community satisfaction in this study uses the Community Satisfaction Index (CSI) and the Importance Performance Analysis (IPA) which has been published by the Ministry of Administrative Reform through the Decree of the Minister of State Apparatus Empowerment Number: KEP/25/M.PAN/2/2004. The method used in this research is Servqual, Importance Performance Analysis (IPA), and Customer Satisfaction Index (CSI) with 200 respondents selected by convenience technique.  In general, the value obtained by the Department of Population and Civil Registry of Bengkalis Regency using the Community Satisfaction Index is 2,896 x 25 = 72.4. This means that the performance of the service unit of the Department of Population and Civil Registry of Bengkalis Regency is in service quality "B" with the category "Good".
THE POSITION OF BRIDGE BANKS AS INSTRUMENTS FOR RESOLVING BANK FAILURES IN INDONESIA Zulfikar Hasan; Kamiluddin
Journal of Central Banking Law and Institutions Vol. 2 No. 2 (2023)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v2i2.162

Abstract

We analysed the capacity for banks to fail in Indonesia. A “failed bank” can be decoded as a bank facing financial difficulties and possibility of collapse. It is no longer feasible for the LPP (Banking Supervisory Agency) to address bank failures under its current authority. In Indonesia, bank failures are managed by the Deposit Insurance Corporation (IDIC), helped by rules from Bank Indonesia and the Financial Services Authority (OJK). Under Article 5 of Law no. 24 of 2004 regarding the Deposit Insurance Corporation, one of the jobs of IDIC is to develop, specify and enforce a procedure for the liquidation of failing banks that do not have a systemic effect and address failing banks that do have a systemic effect. The definition of systemic effect is when a bank’s failure will have an extraordinary impact on the availability of funds and the smoothness and sustainability of the economy. While a non-systemic effect is bank’s failure that does not meet the standards noted above. The implication of our research is to provide an understanding that assistance for failing banks in Indonesia is taken over by the IDIC which will form an entity called a bridge bank.
Buying and Selling Gas LPG 3 Kg According to Law Number 8 of 1999 and Sharia: Case Study in Bengkalis District Zulfikar Hasan; Yuni Dhea Utari; Irlina Dewi
Constitution Journal Vol. 2 No. 1 (2023): Constitution Journal June 2023
Publisher : UIN Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/constitution.v2i1.44

Abstract

This analysis examined the phenomenon in Bengkalis District relating to purchasing 3 kg LPG gas. Researchers analyzed following Law No. 8 of 1999 concerning Consumer Protection Against the sale and purchase of 3 kg LPG gas. In addition, the research tries to analyze the prohibition of ihtikar for staples. Many problems arise because a business actor, one of which is a business actor, reduces the contents volume of gas liquefied petroleum gas (LPG) by 3 kg. Constraints in implementing the protection of the Kosumen against the sale and purchase of gas in Bengkalis Sub-Electricity, consumers need help getting 3 kg LPG gas due to some obstacles. There are still many consumers who feel that they live in injustice carried out by business actors to sell their merchandise because many business actors are looking for profit from consumers. This study also exposed the Ihtikar prohibition for basic goods. This study uses a qualitative method based on Law No. 8 of 1999 and explores, according to Muslim scholars, the ban on the accumulation of goods
Execution of Ijarah Contracts in Rental Houses According to an Islamic Economic Perspective: Case Study of Rental Houses in Bengkalis City Zulfikar Hasan; Khozinatul Asrori
West Science Islamic Studies Vol. 1 No. 01 (2023): West Science Islamic Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsiss.v1i01.257

Abstract

The implementation of Ijarah Rental Contracts at Hendrawan's Boys/Girls Boarding House in Islamic Economics is the primary focus of this study. The purpose of this study was to ascertain how the rental of boarding houses would be implemented in Sengoro Village, Bengkalis District. Additionally, determine whether the ijarah contract's execution is hindered. The methodology of this study is qualitative. Qualitative research is the term for this kind of study. Field conditions and descriptions serve as the basis for this type of research, which aims to develop concepts, understandings, and theories. A study that aims to accurately describe the nature of an individual, condition, symptom, or particular group as it is is known as descriptive analysis. An interview or interview is the method used to collect data. An interview is a kind of conversation that uses verbal communication to get information and written documentation. The rent agreement for renting Hendrawan's son and daughter's boarding house is carried out verbally as a result of this research. The rental contract system can be transferred as long as the owner of the boarding house has given prior approval, proof of payment is only recorded via WhatsApp, and the tenant is entirely responsible for the provided boarding facilities. The study came to the conclusion that the rental house's ijarah contract was carried out in accordance with Islamic law. However, the boarding house owner's income decreased as a result of the Covid-19 pandemic's obstacles.
Creative Economy Development Challenges for Halal Tourism: A Study in Madura, Indonesia Kamiluddin; Zulfikar Hasan
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 10 No. 1 (2023)
Publisher : Institut Agama Islam Negeri Madura

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

Abstract

Indonesia is a country that has potential in the tourism sector. In the context of creative economy-based tourism, Sumenep, one of the districts in Madura, has the potential to be optimally developed. However, issues such as the production of sharia-compliant products, raw materials and product marketing have become challenges for creative economy entrepreneurs in this region. This study was conducted to closely examine the development of the creative economy for halal tourism in Sumenep by focusing on the real challenges faced by creative economy entrepreneurs, especially in the handicraft sector. The data collected was then analyzed using thematic analysis. The analysis resulted in three main findings. First, implementing a creative economic development concept for halal tourism must be in line with the Halal Tourism Development Development Acceleration Team (TP3H) criteria. Second, nine challenges faced by creative economy entrepreneurs in Sumenep are the quality and quantity of human resources, capital, sharia-compliant products, competitors from outside the region, raw materials, marketing strategies, information and technology infrastructure, and Government policy. Competitors from outside the area are the main challenge faced by Sumenep's creative economy entrepreneurs. Third, training strategies, venture capital assistance, product innovation, marketing systems development, business partnerships, and the establishment of consulting and development centres could be implemented to deal with these challenges, with the cooperation of entrepreneurs and the government
Prospect of Islamic Electronic Money in Indonesia: Case Study on the LinkAja Application Hasan, Zulfikar; Jayanti, Endah Dwi; Azlina, Nur; Lestari, Reski; Muslim, Muslim
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 12, No 1 (2022)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (372.907 KB) | DOI: 10.21927/jesi.2022.12(1).1-13

Abstract

This research conducted to see how the prospects for electronic money in Indonesia, considering the launch of new electronic money launched this year through the LinkAja application. This application has received a fatwa from the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) to be a strong source of law for application in Indonesian society. The emergence of LinkAja electronic money is one of the policies of all stakeholders because the potential of sharia-based electronic money is quite large, apart from Indonesia having the world's largest Muslim population. The method that the author made is a qualitative method besides reading several journals and reading material about Islamic electronic money. The prospect of newly launched electronic money certainly has several challenges and opportunities that can be used as lessons for relevant stakeholders. Apart from the competition with the same applications as conventional-based electronic money, Indonesians are still used to conventional-based electronic money there is when compared to sharia-based systems. Complete support from the government is needed to make this electronic money develop well, apart from being protected by applicable laws and regulations. Promotion and marketing of all LinkAja management are also necessary to expand the reach not only in cities but also in villages.
Islamic Legal View on Buying and Selling Bitcoin Hasan, Zulfikar; Bobby Syuhada; Nur Indira
Jurnal Ekonomi KIAT Vol. 34 No. 2 (2023): Desember
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/kiat.2023.12394

Abstract

The term "cryptocurrency" refers to a form of digital or virtual currency that does not exist in tangible form like paper money. That cryptocurrency can only be used with internet-connected PCs, laptops, smartphones, and other devices. Cryptosystems that make use of the blockchain system have a number of advantages, including the speed, convenience, and security of transactions, as well as the ability to be used in all nations and continents. However, there is still room for improvement in the circulating cryptocurrency, including the absence of supervisory authorities. Experts, including Islamic scholars, are constantly debating the advantages and disadvantages of using cryptocurrencies. The Koran, al-Hadith, Qiyas, and Sad-Adzariyah are the sources used in this study to examine the dynamics of cryptocurrency use from the perspective of ushul fiqh. Increasingly, cryptocurrency transactions are used for speculation, which violates Islamic principles. According to Surah Al-Qur'an An-Nisa verse 29, the elements of superiority are gharar and maysir, so the use of cryptocurrencies is permitted subject to certain conditions. Additionally, a country's legality must be clear for cryptocurrency to be used safely.
Comparison Analysis of The Performance of Financial Reports on Conventional Bank and Islamic Bank Asta, Sephia Septiana; Hasan, Zulfikar; Kamiludin, Kamiludin
Journal of Business and Political Economy : Biannual Review of The Indonesian Economy Vol. 5 No. 1 (2023): Journal of Business and Political Economy
Publisher : INDEF - Institute for Development of Economics and Finance

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46851/163

Abstract

The existence of many bank financial institutions in Indonesia makes the whole community and the government feel the impact of the existence of banks. From the past until now, all economic activities in Indonesia have depended on bank financial institutions. With the current dual banking system, it is difficult for the public to determine which bank is more effective as a financial institution that can be trusted to have good quality and financial performance. This study aims to find out how the performance of financial statements is compared between conventional banks (BRI) and Islamic banks (BSI) for 2021 – 2022. The method used in this research is a descriptive qualitative method. The results obtained from this study show that the financial performance of BRI banks in 2021 – 2022 is superior in evaluating the ratios of ROA, ROE, and LDR compared to BSI banks. However, BSI banks are superior to BRI banks in assessing the NPL ratio. Even so, there are advantages between the two banks, which have a good and effective soundness. The contribution that can be made from the results of this research is in the form of a comparison with similar research. The hope is that sharia banking can play a sharia economic role in Indonesia, which has the power of having the most immense Muslim majority in the world.
Co-Authors Ade Rosita Afriyadi Ahmad Azam Sulaiman Ahmad Syukri Aiza Zulmairoh Amelia Ripal Angga Dasma Hendra Anugrah, Resti Arbaia Arbaia Arbaia, Arbaia Asta, Sephia Septiana Bobby Syuhada Bobby Syuhada Daniel Happy Putra Delia Desvianti Dinda Sri Dewi Lestari Disti Marta Rini Endah Dwi Jayanti Feby Syahira Hamdani Hamdani Hasanah, Riska Ardila Ika Kurnia Sofiani Indira, Nur Irda Listiawati Irlina Dewi Irnaldi Irzan Surohman Julia Sukma Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiludin, Kamiludin Kheqal Fitradinata Khotimatul Anisa Khozinatul Asrori Koni Piranda Linda Astuti, Linda Listiawati, Irda M. Fadil Iqbar Mardiana Safitri Marisna, Diska Sendi Marta Rini, Disti Melisa Melisa Melisa Mercy Gusriyani Mhd Syahrizan Mistari Br Harianja Mohd Helmi Ali Muhammad Fadhli Muhammad Irfan Syah Muhammad Rizky Anes Muhardi, Sona Muslim Muslim Mutia Rosiana Nita Putri Mutia Rosiana Nita Putri Nazri Nor Razinah Binti Mohd. Zain Norpatiha Norpatiha Nur Azlina Nur Azlina Nur Hidayati Nur Indira Nur Indira Nur Indira Nur Umida Nurul Syahira Nurulia Ramadhani Oliv Rezfani Puji Afriyeni Ratiwi, Ratiwi Reni Ayu Anggriani Reno Firdaus Reski Lestari Resti Anugrah Revita Sari Rini, Disti Marta Rino Riyaldi Risma Junita, Risma Riyandi Fatur Nugraha Rosita, Ade Said Rizki Suhendra Saifunnajar Saifunnajar Seri Wahyuni Serliana Sri Ika Mulia Sri Wahyuningsih Suci Hijriyati Supriyadi Surohman, Irzan Susanto, Erik Suzaini Suzaini Suzaini, Suzaini Syahira, Feby Takwa, Wardina Huma Taufik Taufik Trisna Eka Sari Wardina Huma Takwa Wulan Anis Mawati Yuliana Yuliana Yuni Dhea Utari