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All Journal Jurnal Ekonomi Pembangunan Ahkam: Jurnal Ilmu Syariah ESENSI: JURNAL BISNIS DAN MANAJEMEN LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum Global Review of Islamic Economics and Business Ziswaf : Jurnal Zakat dan Wakaf Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Peuradeun J-EBIS (Jurnal Ekonomi dan Bisnis Islam) JEM: JURNAL EKONOMI DAN MANAJEMEN JSHP (Jurnal Sosial Humaniora dan Pendidikan) El-Usrah: Jurnal Hukum Keluarga Journal of Islamic Accounting and Finance Research Islam Universalia : International Journal of Islamic Studies and Social Sciences AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Bertuah : Jurnal Syariah dan Ekonomi Islam BASHAIR Share: Jurnal Ekonomi dan Keuangan Islam Jeksyah AT-TIJARAH: Journal Islamic Banking and Finance Research Review of Islamic Social Finance and Entrepreneurship Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Journal of Finance and Islamic Banking Alkasb: Journal of Islamic Economics
Ramly, Arroyyan
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Konsep Gharar dan Maysir dan Aplikasinya pada Lembaga Keuangan Islam Ar Royyan Ramly
Islam Universalia: International Journal of Islamic Studies and Social Sciences Vol 1 No 1 (2019): Islam Universalia
Publisher : Cyber Media Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (32.931 KB) | DOI: 10.56613/islam-universalia.v1i1.107

Abstract

This paper aims to analyze and provide an understanding of the application of gharar and maysir in financial institutions. Islamic financial institutions must avoid the components of gharar and maysir in the implementation of financing and funding. Gharar is often associated with a risk or danger faced in a transaction or investment activity; we can see the component of gharar in two parts, namely gharar fahisy and gharar yasir. Maysir is often met with conditions of speculation when investing both in the capital market and money market, causing one party to feel disadvantaged. Therefore both gharar and maysir components must be avoided in the Islamic financial institutions. DOI: https://doi.org/10.5281/zenodo.3236462
Effects of Capital and Type of Business on Coastal Muslim Women's Business Income in Aceh Province Muksal; Arroyyan Ramly; M Shabri Abd Majid; Mirna Indriani
Islam Universalia: International Journal of Islamic Studies and Social Sciences Vol 1 No 3 (2020): Islam Universalia
Publisher : Cyber Media Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1241.502 KB) | DOI: 10.56613/islam-universalia.v1i3.141

Abstract

This study aims to analyze the influence of capital variables and type of business on the income of Muslim women living in coastal areas in Aceh Province. The population in this study is Coastal Women who do business in Aceh Province by selecting samples using a purposive sampling technique with the criteria that women who do business have a fishing husband, living on the coast in the districts of Nagan Raya, Lhokseumawe and Aceh Besar. Primary data were obtained from interviews and questionnaires with coastal women as many as 90 coastal women doing business. Whereas secondary data was obtained from the Central Statistics Agency (BPS), District Community Empowerment Agency (BPM) and the internet. The analysis first uses the validity and reliability test and then the hypothesis is tested using multiple regression tests to find out whether an independent variable influences the motivation of coastal women with a significance level of 5% which aims to see how the overall relationship between capital and type of business affects women's business income Muslims in Aceh Province. The results show the simultaneous influence of both Capital Variables (X1) and Type of business (X2) significantly influencing Muslim women's Business Income. Based on the regression coefficient of the Capital Variable (X1) and Business Type (X2) partially there is a positive and significant effect on the Coastal Muslim Women's Business Income in Aceh Province. DOI: https://doi.org/10.5281/zenodo.3672387
ANALISA VARIABEL POTENSI LOKAL, MODAL FINANSIAL, SUMBERDAYA MANUSIA, DAN PARTISIPASI MASYARAKAT TERHADAP PEMBENTUKAN BUMDES DI KABUPATEN NAGAN RAYA Wahyuddin Wahyuddin; Arroyyan Ramly; Muslim A Djalil; Mirna Indriani
JEM Jurnal Ekonomi dan Manajemen Vol 6 No 1 (2020): JEM JURNAL EKONOMI DAN MANAJEMEN
Publisher : LPPM STIE PERTIBA Pangkalpinang

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Abstract

It is important and urgent to conduct a scientific study on the establishment of Village-Owned Enterprises (BUMDes) through the local potential to realize independent villages, by analyzing local potential variables, financial capital, human resources, and community participation in the establishment of Bumdes in Nagan Raya District. The population of this study was all villages that have Bumdes in Nagan Raya district. The sampling technique used was purposive sampling. The study sample was 10 BUMDes that have run in Nagan Raya district. Primary data were obtained by interviews and questionnaires to BUMDes administrators and communities in the local area. Secondary data was obtained from the Central Bureau of Statistics (BPS), Regency Community Empowerment Agency (BPM), and the internet. Regression analysis was performed to determine whether an independent variable has an effect on the dependent variable by using the regression model estimation by entering a dummy variable, the joint hypothesis test model. Significance test was carried out using the normality test method through the Jarque-Bera (JB) statistical test through histogram screening, with a significance level of 5% indicating that the statistical value was 163,393 while the square chi value α = 5% and (df = n-2 = 130-2 = 128, α = 5%). Therefore the Ho assumption is accepted which means the norm is distributed data. The regression results using qualitative variables can be seen, showing different results and in accordance with the hypothesis that was built. The regression results by entering the dummy variable show a positive and significant effect at α = 5%, towards the formation of BUMDes in Nagan Raya District. Only human power variables do not affect the formation of BUMDes with an error term value of α = 5%.
The Effect Of Needs For Performance, Affiliation, And Domination On The Motivation Of Coastal Women Business In Aceh Province Muksal Muksal; Arroyyan Ramly; M Shabri Abd Majid; Mirna Indriani
JEM Jurnal Ekonomi dan Manajemen Vol 6 No 1 (2020): JEM JURNAL EKONOMI DAN MANAJEMEN
Publisher : LPPM STIE PERTIBA Pangkalpinang

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

Abstract

This study aims to analyze the effect of Variables of Performance, Affiliation, and Domination on the motivation of women living in coastal areas doing business in Aceh Province. The population in this study are Coastal Women who do business in Aceh Province by selecting samples using a purposive sampling technique with the criteria Women who do business have fishermen husbands, live on the coast in Aceh Province. The hypothesis is tested using multiple regression tests to determine whether an independent variable influences the motivation of coastal women to see how the overall relationship between Performance, Affiliation, and Domination affects women's motivation to do business in Aceh Province. The results show simultaneously that the effects of the three Performance Variables (X1), Affiliation (X2) and Domination (X3) significantly influence Women's Work Motivation. Based on the regression coefficients Variable Performance (X1), Affiliation (X2) and Domination (X3) partially there is a positive and significant influence on the Motivation of Women's Business Work in Aceh Province.
Efektivitas Pemanfaatan Dana Desa dalam Mengentaskan Kemiskinan di Kec Kuala Kabupaten Nagan Raya Wahyuddin Wahyuddin; Arroyyan Ramly; Muslim A. Djalil; Mirna Indriani
NUANSA: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Vol. 16 No. 2 (2019)
Publisher : Research Institute and Community Engagement of IAIN MADURA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/nuansa.v16i2.2410

Abstract

Penelitian ini bertujuan menganalisa dan melihat efektifitas distribusi pemanfaatan dana desa di Kecamatan Kuala Kabupaten Nagan Raya dan hubungannya dengan tingkat kemiskinan. Data yang digunakan berupa data time series dari tahun 2015 hingga tahun 2018 yang dikumpulkan melalui data primer dan sekunder. Data primer diperoleh dengan mendatangi langsung ke desa-desa di kecamatan kuala. Sementara data sekunder diperoleh dari website Badan Pusat Statistik (BPS), telaah dokumen, artikel yang berhubungan dengan objek penelitian. Penelitian ini melakukan observasi terhadap 10 desa sebagai sample dari 17 desa di Kecamatan Kuala. Metode analisa mengunakan regresi data panel dengan metode analisa random effect model (REM). Dari hasil regresi model random effect ditemukan bahwa variabel dana desa berpengaruh positif dan signifikan terhadap kemisikinan dengan Probabilitas sebesar 0,0000 = p-value α = 5%. Kemudian variabel alokasi dana desa berpengaruh negatif signifikan terhadap kemiskinan dengan Probabilitas sebesar 0,0000 = p-value α = 5%. Artinya dengan menambahkan 1% dana desa atau meningkatkan dana desa akan mengurangi kemiskinan di Kecamatan Kuala Kabupaten Nagan Raya. (This research is aimed at analyzing and seeing the effectiveness of village fund utilizing distribution in Kuala sub-district, Nagan Raya regency and also its relations with the poverty level. The data used the time series data from 2015 to 2018 collected through primary and secondary data. Primary data is taken from directly getting the data from the villages in Kuala sub-district, while secondary one is taken from Central Bureau of Statistics, document and articles analysis related to the research object. This research did observation on 10 out of 17 villages as sample in Kuala sub-district. The analysis used panel data regression with random analysis model (REM). From the effect random model regression result, fit is found that the village fund variable has given a positive and significant effect on the poverty for 0,0000 = p-value α = 5%. The village fund allocation variable affects negatively on the poverty with probability 0,0000 = p-value α = 5%. It means that by adding 1% village fund or adding the village fund can make the poverty in Kuala sub-district Nagan Raya regency decreased.)
The influence of Halal Label, Product Quality, and Price on Purchasing Decisions Cut Tari Fadila; Talbani Farlian; Arroyyan Ramly
Journal of Finance and Islamic Banking Vol. 3 No. 1 (2020)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v3i1.2627

Abstract

This study aims to analyze the influence of halal label, product quality, and price on purchasing decisions with a case study at the Bread Boy Bakery & Cake Shop in Banda Aceh. This research is quantitative research. The sample used was 100 respondents using a purposive sampling technique. The results of data processing carried out using the SPSS 22 program through the multiple linear regression analysis methods shows that the independent variables are halal labels, product quality, and price simultaneously or simultaneously have a positive and significant effect on purchasing decisions. While partially, the halal label variable does not have a positive and significant effect on purchasing decisions. While the product quality variable partially influences the purchasing decisions. The price variable has a positive and significant effect on purchasing decisions.
A Nexus Between Financial Technology Adoption to Digitizing Zakat Payment Behavior Fuad Hasyim; Ririn Tri Ratnasari; Arroyyan Ramly
ZISWAF Vol 10, No 2 (2023): ZISWAF: JURNAL ZAKAT DAN WAKAF
Publisher : State Islamic Institute of Kudus (IAIN Kudus)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/ziswaf.v10i2.24602

Abstract

This study aims to examine the impact of digitalization on zakat payments, with the goal of understanding the motivation to shift from conventional payment methods to digital alternatives. The chosen methodology entails the alteration of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) by integrating perceived risk and trust. The analytic method is Partial Least Squares, with a sample size of 348 muzakki observed. The results suggest that all underlying factors have a considerable impact on the development of behavioral intention, with trust playing a dual role by both moderating and mediating these interactions. These findings emphasize the necessity for regulators to continuously promote technological adaptability, develop sufficient infrastructure, and improve digital literacy in the community. These steps are anticipated to enhance the possibility for national zakat collection, ultimately leading to the equitable distribution of wealth
Fintech Dan Keberlanjutan Usaha Mikro : Studi Analisis Pada Peer To Peer Lending Nurjanah; Ar-Royyan Ramly; Zulhilmi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.8257

Abstract

The development of MSMEs is needed for Indonesia's economic growth. However, the problem of Micro that often occurs is in the source of capital. The difficulty of MSMEs with micro categories to obtain financing facilities at financial institutions has resulted in the development of innovation and production being hampered. The presence of fintech is one alternative in accessing finance such as loans on peer to peer lending flatforms. The purpose of this study is to see the role of peer to peer lending for the sustainability of Micro in Langsa City. The method used was qualitative descriptive. The results showed that the presence of peer to peer lending is very helpful for Micro in Langsa city that experience a lack of capital or funds to continue their business activities, although the loan period given is only a short time, which is a month. Then, the existence of Peer to peer lending plays a role in continuing the Micro business in the city of Langsa, even playing a role in developing the business for the better.
ANALISIS MAKNA ZAKAT DALAM AL-QURAN Haikal, Mohammad; Efendi, Sumardi; Ramly, Arroyyan
BASHA'IR: JURNAL STUDI AL-QUR'AN DAN TAFSIR Vol 4 No 1 (2024): Basha'ir: Jurnal Studi Al-Quran dan Tafsir
Publisher : Prodi Ilmu Al-Qur'an dan Tafsir

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/bashair.v4i1.2871

Abstract

Zakat, sebagai salah satu rukun Islam, memiliki peran yang penting dalam kehidupan umat Muslim. Dalam Al-Quran, zakat disebutkan sebagai kewajiban bagi umat Muslim yang mampu untuk menyisihkan sebagian dari harta mereka untuk diberikan kepada yang membutuhkan. Namun, makna zakat dalam Al-Quran tidak hanya terbatas pada aspek keuangan semata, tetapi juga mencakup dimensi sosial, ekonomi, dan spiritual yang mendalam. Penelitian ini bertujuan untuk menganalisis makna zakat dalam Al-Quran, dengan fokus pada konsep, tujuan, dan implikasi praktisnya. Tujuan penelitian ini adalah untuk mendapatkan pemahaman yang lebih mendalam tentang prinsip-prinsip yang mendasari zakat dalam ajaran Islam dan relevansinya dalam konteks masyarakat modern. Metode penelitian yang digunakan adalah pendekatan hermeneutika Al-Quran, yang melibatkan studi mendalam terhadap teks suci dengan memperhatikan konteks historis, linguistik, dan budaya. Penelitian ini juga menggunakan analisis perbandingan antara ayat-ayat yang terkait dengan zakat dan interpretasi dari berbagai tafsir Al-Quran yang ada. Analisis makna zakat dalam Al-Quran mengungkapkan kedalaman konsep ini dalam ajaran Islam. Zakat bukan hanya merupakan kewajiban keuangan, tetapi juga instrumen penting dalam menciptakan keadilan sosial, memperkuat solidaritas sosial, dan memajukan kesejahteraan ekonomi masyarakat. Dengan pemahaman yang lebih mendalam tentang makna zakat dalam Al-Quran, diharapkan umat Muslim dapat melaksanakan kewajiban zakatnya dengan lebih efektif dan memberikan dampak yang positif bagi masyarakat secara keseluruhan.
PUBLIC PREFERENCE FOR MICRO WAQF BANKS: AN EFFORT TO INCREASE COMMUNITY BUSINESS Ramly, Arroyyan; Hamsa, Amrizal
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.32973

Abstract

The Islamic financial literacy index in Aceh is still relatively low at 18.64% compared to the conventional financial literacy index. The purpose of this study is to analyze the level of preference of Acehnese people towards micro Waqf Banks. The presence of micro Waqf banks in Aceh seeks to improve the welfare of urban and rural communities. Quantitative method with multiple regression analysis techniques is used to study those variables. The source of data obtained is the primary source through distributing questionnaires to 100 respondents throughout Aceh. The variables used in this research are literacy index, preference, religiosity, and business motivation. The results indicate that the preference, religiosity, and business motivation have a positive and significant effect   on Islamic financial literacy with the prob value. 0.00 < = 0.05. the coefficient of determination shows a value of 0.9900, or 99.00 % which means that all dependent variables have a significant effect on islamic financial literacy while the rest are influenced by other variables. Regarding  the fact that Islamic financial literacy for micro waqf banks is 52% as well as the role of microwaqf banks support in  increasing micro-scale businesses in the community, public preference for micro waqf banks is still low compared to Islamic banks. Therefore the implications of this research have a positive impact on the community and academics in suggesting to continue  supporting the emerging of sharia-compliant businesses by utilizing micro waqf banks.
Co-Authors Abdul Hakim Alidar, EMK. Amrizal Hamsa, MA Andani, Listia Azka Amalia Jihad Bundo, Mayang Cut Tari Fadila EMK Alidar, EMK ESEN, Adem Fahlauddin Fahlauddin Fahlauddin, Fahlauddin Fildzia, Ayrin Sazwa Filzah, Nadhilah Fuad Hasyim Haikal, Mohammad hamsa, amrizal Hasyim, Fuad Jihad, Azka Akmalia M Shabri Abd Majid M Shabri Abd Majid Mawardati Mawardati Mirna Indriani Mirna Indriani Mirna Indriani Mirna Indriani Muhammad Kurniawan Muhammad Maulana Muksal Muksal Mursyida, Julli Muslim A Djalil Muslim A Djalil Muslim A. Djalil Muslim A. Djalil N. Nurjanah Nurjanah Nurul Fauziah Oktanira, Celsi Pratomo, Dimas Ririn Tri Ratnasari Rusgianto, Sulistya Setianingsih, Hesti Eka Shabarullah, Shabarullah Sumardi Efendi Talbani Farlian Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wahyuddin Yuhasnibar Zulhilmi