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All Journal Value Added : Majalah Ekonomi dan Bisnis IQTISHADIA Journal of Islamic Studies and Humanities Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah 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 Research in the Mathematical and Natural Sciences 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 Jurnal Kajian Ekonomi dan Perbankan Syariah IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Ulil Albab
Zulfikar Hasan
Department Of Islamic Banking And Centre For Research And Community Service At STAIN Bengkalis Riau Indonesia
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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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.
Bengkalis Regency Halal Tourism Potential in Increasing Regional Income Hasan, Zulfikar; Azlina, Nur
Journal of Indonesian Tourism, Hospitality and Recreation Vol 5, No 2 (2022): Journal of Indonesian Tourism, Hospitality and Recreation (October Edition)
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jithor.v5i2.49312

Abstract

A b s t r a c tThe research we did was to see how the tourism potential in Bengkalis Regency, where tourism here can also be developed as halal tourism, can impact Bengkalis Regency's regional income. From this, we can observe that the development of halal tourism in the Bengkalis Regency is still not optimal, apart from the lack of a natural position that cannot be used as a tourist spot. This proves that good and integrated management is indispensable for tourism development, especially halal tourism. In this study, we used the descriptive analysis method in addition to looking at the SWOT analysis. We hope that in the future, as researchers, we hope that the Bengkalis Regency government can manage tourist attractions as well as possible and allocate more funds for the development of tourism attractions in the Bengkalis Regency. In addition to increasing Human Resources, especially in mastering English, it is also necessary to promote to the outside world that Bengkalis have a tourist attraction with halal tourism packaging.A b s t r a kPenelitian yang kami lakukan untuk melihat bagaimana potensi pariwisata di Kabupaten Bengkalis, dimana pariwisata disini juga dapat dikembangkan sebagai wisata halal yang dapat berdampak pada pendapatan daerah Kabupaten Bengkalis. Dari sini dapat kita lihat bahwa pengembangan wisata halal di Kabupaten Bengkalis masih belum optimal, karena letak alamnya yang belum bisa dijadikan sebagai tempat wisata. Hal ini membuktikan bahwa pengelolaan yang baik dan terpadu sangat diperlukan untuk pengembangan pariwisata, khususnya wisata halal. Dalam penelitian ini, kami menggunakan metode analisis deskriptif selain melihat analisis SWOT. Besar harapan kami kedepannya sebagai peneliti, kami berharap pemerintah Kabupaten Bengkalis dapat mengelola tempat wisata dengan sebaik-baiknya dan mengalokasikan dana yang lebih besar untuk pengembangan objek wisata yang ada di Kabupaten Bengkalis. Selain peningkatan Sumber Daya Manusia khususnya dalam penguasaan Bahasa Inggris, juga perlu dilakukan promosi ke dunia luar bahwa Bengkalis memiliki daya tarik wisata dengan kemasan wisata halal.
Pengaruh Model Problem-Based Instructional Berbasis Blended-Learning Terhadap Hasil Belajar Siswa Ditinjau dari Kecemasan Matematis Siswa Hasan, Zulfikar; Pomalato, Sarson W. DJ.; Uno, Hamzah B.
Research in the Mathematical and Natural Sciences Vol. 2 No. 1 (2023): November 2022-April 2023
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/rmns.v2i1.102

Abstract

This study aims to determine the effectiveness of the problem-based instructional learning model based on blended learning on learning outcomes in terms of students' mathematical anxiety. The research was conducted at SMK Negeri 3 Gorontalo. The type of research is Quasi Experiment with treatment design by level 2 x 2 using two-way analysis test and Tukey test. The results showed that the problem-based instructional learning model based on blended learning was effectively applied to students with low mathematical anxiety. This is indicated by the learning outcomes of students who have low mathematical anxiety in problem-based instructional learning based on blended learning of 85.39, better than the learning outcomes of students who have low mathematical anxiety indirect learning, which is only 63.44. This result is also strengthened through the -test with a significant level of 5% and showing .
ANALYSIS OF LEJO PUTERI MAS WOVEN FABRIC BUSINESS ON THE ECONOMY OF THE PEOPLE OF BENGKALIS REGENCY, RIAU Hasan, Zulfikar
KEUDA (Jurnal Kajian Ekonomi dan Keuangan Daerah) Vol 9 No 1 (2024)
Publisher : Universitas Cenderawasih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52062/keuda.v9i1.3577

Abstract

This study aims to determine the impact of the Lejo Mas woven cloth business on the community's economy in Sebauk Village, Bengkalis District, Bengkalis Regency. data was carried out using interviews and documentation methods, and data analysis techniques were carried out using primary data and secondary data, the results of the research showed the impact felt by the community on the development of the Lejo Puteri Mas Woven Cloth business, is hoped that the per capita income of the community will also increase so that the Lejo Puteri Mas Woven Cloth business can have a significant impact on the economy of the Sebauk village community. The economic growth of the people in Sebauk Village is getting better developing the economy by utilizing the local potential they have. It is hoped that the per capita income of the community will also increase so that the Lejo Puteri Mas woven cloth business can have a significant impact on the economy of the people of Sebauk Village.
INVESTASI BERKELANJUTAN DALAM PERSPEKTIF EKONOMI SYARIAH Melisa, Melisa; Seri Wahyuni; Trisna Eka Sari; Zulfikar Hasan
Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi Vol. 5 No. 1 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v5i1.2908

Abstract

Investasi berkelanjutan telah menjadi fokus utama dalam pembangunan ekonomi global, mengingat kebutuhan untuk menjaga keseimbangan antara pertumbuhan ekonomi, perlindungan lingkungan, dan keadilan sosial. Dalam konteks ini, ekonomi syariah menawarkan pandangan unik yang mengintegrasikan prinsip-prinsip Islam dalam kegiatan ekonomi. Jurnal ini bertujuan untuk mengeksplorasi konsep investasi berkelanjutan dalam perspektif ekonomi syariah. Penelitian ini menggunakan pendekatan analisis literatur untuk menyajikan tinjauan mendalam tentang prinsip-prinsip investasi berkelanjutan menurut ekonomi syariah dan implikasinya dalam praktik investasi. Hasil analisis menunjukkan bahwa investasi berkelanjutan dalam ekonomi syariah tidak hanya mempertimbangkan aspek keuntungan finansial, tetapi juga dampak sosial dan lingkungan dari investasi tersebut. Prinsip-pengambilan keputusan investasi. Studi ini juga membahas beberapa instrumen investasi syariah yang mendukung prinsip-prinsip ini, seperti obligasi sukuk dan investasi dalam sektor-sektor yang ramah lingkungan. Penelitian ini memberikan wawasan yang berharga bagi praktisi dan akademisi yang tertarik pada investasi berkelanjutan dengan pendekatan ekonomi syariah.
PENGARUH KEPERCAYAAN KONSUMEN DAN TRANSPARANSI TRANSAKSI DALAM JUAL BELI SYARIAH TERHADAP KEPUASAN PELANGGAN Ratiwi, Ratiwi; Reni Ayu Anggriani; Wulan Anis Mawati; Zulfikar Hasan
Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi Vol. 5 No. 9 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v5i9.3606

Abstract

Jual beli syari'ah semakin populer di Indonesia, didorong oleh meningkatnya kesadaran masyarakat terhadap prinsip-prinsip Islam dalam bertransaksi. Kepercayaan konsumen dan transparansi transaksi merupakan faktor penting dalam jual beli syari'ah karena dapat meningkatkan kepuasan pelanggan. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi literatur untuk menyelidiki pengaruh kepercayaan konsumen dan transparansi transaksi dalam jual beli syari'ah terhadap kepuasan pelanggan. Data dikumpulkan dari berbagai sumber seperti jurnal, buku, laporan penelitian, dan literatur terkait lainnya. Penelitian ini bertujuan untuk menganalisis pengaruh kepercayaan konsumen dan transparansi transaksi terhadap kepuasan pelanggan dalam jual beli syari'ah. dapat disimpulkan bahwa kepercayaan konsumen dan transparansi transaksi memiliki peran yang penting dalam meningkatkan kepuasan pelanggan dalam jual beli syari'ah. Penjual atau penyedia layanan syari'ah perlu memperhatikan dan membangun kepercayaan konsumen melalui perilaku dan praktik bisnis yang jujur, adil, dan sesuai dengan prinsip-prinsip syariat Islam. Selain itu, penting bagi mereka untuk menjaga transparansi dalam semua aspek transaksi, sehingga konsumen dapat merasa aman dan nyaman dalam melakukan pembelian.
Poverty Alleviation Strategy Through the Sharia Economic Model Kheqal Fitradinata; Muhammad Fadhli; Riyandi Fatur Nugraha; Zulfikar Hasan
Maklumat: Journal of Da'wah and Islamic Studies Vol. 2 No. 2 (2024)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/maklumat.v2i2.20

Abstract

Poverty is one of the biggest challenges in developing countries like Indonesia. Although various efforts have been made, the results of poverty reduction have not been sufficient, so a more comprehensive and sustainable approach is needed. The application of the sharia economic model, based on Islamic principles such as justice, balance and sustainability, offers a holistic and fair solution to overcoming poverty. Sharia economics emphasizes the equal distribution of wealth through zakat, alms, infaq and waqf mechanisms which are significant in redistributing wealth and empowering the community's economy. The research method used is qualitative by reviewing documents and related literature. Data analysis was carried out interactively to understand primary and secondary data sources. From the results of the analysis, it appears that the implementation of sharia economic principles has made a positive contribution in reducing poverty rates in Indonesia, although challenges in poverty alleviation still remain. Therefore, commitment and cooperation between the government, the private sector and the wider community is needed to continue to develop and implement strategies that are more effective in overcoming the problem of poverty as a whole. The conclusion of this study is that the application of the sharia economic model has great potential in alleviating poverty in Indonesia.
The Covid-19 Pandemic and its Influence on Murabahah Financing in Indonesian Islamic Banking Nisa, Uswatun; Marta Rini, Disti; Hasan, Zulfikar
Bertuah Jurnal Syariah dan Ekonomi Islam Vol. 4 No. 2 (2023): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jsie.v4i2.646

Abstract

In 2019, people around the world, especially in Indonesia, were shocked by the disaster of a pandemic, where this pandemic is an epidemic that spreads, an example of a disease that has become a pandemic is coronavirus disease 2019 (covid-19). This pandemic is a disease that everyone must be very aware of because this disease spreads unnoticed. The impact of this pandemic has great potential for the economic and financial sectors, especially in the banking world, where in a pandemic like this to seek additional capital, it is large companies that can provide loans or financing, such as Islamic banks with all the products provided in these banks. one of them is murabahah financing which is very suitable for those who want to open a business but do not yet have additional capital, this tendency is for murabahah financing, the risk of financing is smaller, the margins are lower, and the administrative costs are also low. This study uses the literature study method by obtaining and collecting data from various previous studies related to the effect of the pandemic on Murabaha financing in Islamic banks. The research method used is literature study, and data collection uses the library study method. For this reason, the authors recommend improving strategies for the risks faced by Islamic banks, especially during a pandemic like this, and making the best possible use of the products owned by the banks themselves and developing them to improve the quality of Islamic banks themselves.
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 Hamzah B Uno 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 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 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 Sarson W DJ Pomalato 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