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All Journal MUQTASID el-Jizya: Jurnal Ekonomi Islam At-Taqaddum BISEI: Jurnal Bisnis dan Ekonomi Islam Journal of Digital Marketing and Halal Industry Journal of Islamic Economics, Management, and Business (JIEMB) Jurnal Bisnis, Manajemen, dan Akuntansi International Journal of Islamic Business and Economics (IJIBEC)
Muheramtohadi, Singgih
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Religion Economics, Econometrics & Finance Education Environmental Science Public Health Social Sciences

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Peran Lembaga Keuangan Syariah dalam Pemberdayaan UMKM di Indonesia Muheramtohadi, Singgih
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v8i1.65-77

Abstract

Syariah Financial Institution means that the financial institution is run based on the Islamic teaching that refers to Qur’an and the Sunnah. Practically, it beganin early history of Islam, then was developed into Syariah Financial Institution. So, the purpose of Syariah Financial Institution is not merely for profit orientation. Further, it should be in accordance with Islamic value and the human philanthropy. Most of Syariah Financial Institution’s financing is for business sector and its ability to reach the micro business, that can’t be done by commercial banks. The financing for small business is funded by Islamic institutions due to Grameen Bank effect. Previously, Grameen Bank was built in mid-decade of 1970. The Financing of Syariah Financial Institution, in any sort, including cooperative union or BMT (Baitul Maal wa Tamwil), increased over time in both Institution Revenue and the Financing Rate. According to Financial Service Authority, most of financing of Syariah Banking is for the Micro, Small, Medium Enterprises that is very important for the nation economy, because it is engaged in the real sector of economy. And the other characters of the Micro, Small, medium enterprises in Indonesia are holding the honesty ethics and resistante to the crisis. They are the strengths of UMKM which must be considered to make the decision by the government or the Financial Institutions.Lembaga Keuangan Syariah (LKS) berarti badan yang bergerak di bidang keuangan yang dilandaskan pada ajaran Islam yang bersumber pada al Qur’an dan As Sunnah. Praktek ini sudah terdapat pada sejarah awal Islam, dan asas moralitas Islam dikembangkan dalam bentuk LKS. Sehingga, tujuan dari LKS tidak semata Profit Oriented, melainkan terdapat unsur-unsur keislaman dan kemanusiaan di dalamnya. Lembaga Keuangan syariah sebagian besar pembiayaannya diperuntukkan kepada sektor usaha, dan punya kemampuan untuk menjangkau usaha mikro, Sesuatu yang jarang dilakukan oleh pihak perbankan konvensional. Pembiayaan kepada UMKM ini tidak lepas juga dari pengaruh Grameen Bank sebelumnya, yang telah berdiri sejak medio 1970-an. Pembiayaan Lembaga Keuangan Syarah, baik dalam wujud Bank, Koperasi Simpan Pinjam maupun BMT mengalami peningkatan dari waktu ke waktu. Baik itu dari segi omzet LKS maupun tingkat pembiayaan nya. Berdasarkan data dari Jasa Otoritas Keuangan sebagian besar dari pembiayaan tersebut disalurkan kepada UMKM. Pembiayaan UMKM sangat penting dalam perekonomian nasional, karena bergerak di sektor riil. Karakteristik UMKM adalah sebagai usaha menengah ke bawah, pada umumnya dikelola dengan etika kejujuran masih dipegang kuat, serta relatif lebih kuat ketika dihadapkan pada krisis. Inilah yang jadi potensi UMKM yang harus diperhatikan dalam mengambil keputusan publik, baik itu oleh Pemerintah maupun Lembaga Keuangan (perbankan). 
PATH ANALYSIS PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN, KEPUASAN PELANGGAN TERHADAP LOYALITAS PELANGGAN PEGADAIAN SYARIAH KUSUMANEGARA YOGYAKARTA Muheramtohadi, Singgih
At-Taqaddum Volume 11, Nomor 2, Tahun 2019
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (779.409 KB) | DOI: 10.21580/at.v11i2.4632

Abstract

Financial institutions play an important role in the life of a country that functions: 1) raising funds; 2) channeling community funds effectively and efficiently. Islamic financial institutions can be an alternative as a means of borrowing capital or investing funds. Sharia pawnshop is part of Islamic financial institutions which have an important role in national economic security. A sharia financial institution including sharia pawnshop must be able to carry out a marketing strategy. Among the things to consider are customer loyalty. Among the several factors that influence customer loyalty are product quality, service quality and customer satisfaction.The objectives to be achieved in this research are to find out: 1) the influence of product quality on customer loyalty in Kusumanegara Yogyakarta sharia pawnshop; 2) the effect of service quality on customer loyalty sharia pawnshop; Kusumanegara Yogyakarta; 3) the effect of customer satisfaction on customer loyalty shariah pawshop Kusumanegara Yogyakarta; and 4) the influence of products, service quality, and customer satisfaction simultaneously on customer loyalty sharia pawshop Kusumanegara Yogyakarta.This type of research used in this research is quantitative research using Path Analysis. This sample was chosen using Random Sampling, namely by randomly selecting a sample from the population. There are 176 respondents. Data collection techniques in this study used a questionnaire.The test results indicate the results that support the hypothesis (R = 0.35) then show that hypothesis 1 is accepted at a significant level ? = 0.001 but this relationship is relatively small. These results indicate that product quality is a variable that is considered less important in forming services. The test results indicate the results that support the hypothesis (R = 0.43), then show that hypothesis 2 is accepted at the significance level ? = 0.01. This shows that product quality is a variable that is considered significant in shaping customer satisfaction. The test results indicate the results that support the hypothesis (R = 0.28), then show that hypothesis 3 is accepted at the significance level ? = 0.05. These results indicate that the quality of goods is a variable that is considered not very essential in forming customer loyalty. The test results indicate the results that support the hypothesis (R = 0.48), then show that hypothesis 4 is accepted at the significance level ? = 0.05. These results indicate that service is a variable that is considered important in shaping customer satisfaction. The test results indicate the results that support the hypothesis (R = 0.32), then show that hypothesis 5 is accepted at the significance level ? = 0.05. These results indicate that service is a variable that is considered not very important in forming customer loyalty. The test results indicate the results that support the hypothesis (R = 0.65), then show that hypothesis 6 is accepted at the significance level ? = 0.001. These results indicate that customer satisfaction is a variable that is considered very important in forming customer loyalty.==================================================Lembaga keuangan berperan penting penting dalam kehidupan suatu negara yang berfungsi: 1) menghimpun dana; 2) menyalurkan dana masyarakat secara efektif dan efisien. Lembaga keuangan syari?ah bisa menjadi alternatif sebagai sarana peminjaman modal atau menginvestasikan dana. Pegadaian Syariah merupakan bagian dari Lembaga keuangan syari?ah yang mempunyai peran penting pada ketahanan ekonomi nasional. Suatu Lembaga keuangan syari?ah termasuk juga pegadaian syari?ah haruslah mampu melakukan strategi pemasaran. Diantara hal-hal yang perlu dipertimbangkan adalah loyalitas pelanggan. Di antara beberapa faktor yang mempengaruhi loyalitas pelanggan yaitu kualitas produk, kualitas layanan dan kepuasan pelanggan.Tujuan yang ingin dicapai dalam penelitian adalah untuk mengetahui: 1) pengaruh kualitas produk terhadap loyalitas pelanggan Pegadaian syariah Kusumanegara Yogyakarta; 2) pengaruh kualitas pelayanan terhadap loyalitas pelanggan Pegadaian syariah Kusumanegara Yogyakarta; 3) pengaruh kepuasan pelanggan terhadap loyalitas pelanggan Pegadaian syariah Kusumanegara Yogyakarta; dan 4) pengaruh produk, kualitas pelayanan, dan kepuasan pelanggan secara serentak terhadap loyalitas pelanggan Pegadaian syariah Kusumanegara Yogyakarta.Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif dengan menggunakan Analisis Jalur. Sampel ini dipilih dengan menggunakan Random Sampling yaitu dengan memilih secara acak sampel dari populasi. Terdapat 176 responden. Teknik pengumpulan data dalam penelitian ini menggunakan angket.Hasil pengujian mengindikasikan hasil yang mendukung hipotesis (R= 0.35) maka menunjukkan bahwa hipotesis 1 diterima pada tingkat signifikan ? = 0,001 akan tetapi hubungan ini relatif kecil. Hasil ini menunjukkan bahwa Kualitas Produk merupakan variabel yang dianggap kurang penting dalam membentuk Pelayanan. Hasil pengujian mengindikasikan hasil yang mendukung hipotesis (R=0.43), maka menunjukkan bahwa hipotesis 2 diterima pada tingkat signifikansi ? = 0,01. Hal ini menunjukkan bahwa kualitas produk merupakan variabel yang dianggap signifikan dalam membentuk kepuasan pelanggan. Hasil pengujian mengindikasikan hasil yang mendukung hipotesis (R=0.28), maka menunjukkan bahwa hipotesis 3 diterima pada tingkat signifikansi ? = 0,05. Hasil ini menunjukkan bahwa kualitas barang merupakan variabel yang dianggap tidak terlalu esensial dalam membentuk loyalitas pelanggan. Hasil pengujian mengindikasikan hasil yang mendukung hipotesis (R=0.48), maka menunjukkan bahwa hipotesis 4 diterima pada tingkat signifikansi ? = 0,05. Hasil ini menunjukkan bahwa pelayanan merupakan variabel yang dianggap penting dalam membentuk kepuasan pelanggan. Hasil pengujian mengindikasikan hasil yang mendukung hipotesis (R=0.32), maka menunjukkan bahwa hipotesis 5 diterima pada tingkat signifikansi ? = 0,05. Hasil ini menunjukkan bahwa pelayanan merupakan variabel yang dianggap tidak terlalu penting dalam membentuk loyalitas pelanggan. Hasil pengujian mengindikasikan hasil yang mendukung hipotesis (R=0.65), maka menunjukkan bahwa hipotesis 6 diterima pada tingkat signifikansi ? = 0,001. Hasil ini menunjukkan bahwa kepuasan pelanggan merupakan variabel yang dianggap sangat penting dalam membentuk loyalitas pelanggan.
PERLINDUNGAN TERHADAP HARGA KOMODITAS PASAR (TELAAH PEMIKIRAN IBN TAIMIYYAH) Muheramtohadi, Singgih
At-Taqaddum Volume 10, Nomor 1, Tahun 2018
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (923.06 KB) | DOI: 10.21580/at.v10i1.2502

Abstract

 ABSTRACTThe Name of Ibn Taimiyyah often identified to Wahabi?s movement. The thought of Taimiyyah often blamed for the influence to Jihadist movement. So the research about Ibn Taimiyah?s thougt very important to do. In the exploration in Taimiyyah?s concept,  the writer found some pieces of Taimiyya?s teachigs relevant to  the current theories. One of them is the Price Formation in the Market and the role of Government in making the Price Regulation. And Taimiyyah?s Statements corespondent to Adam Smith?s Classical Economic Theory. Furthermore, islam have managed about price market protection. This Paper will discuss about the mechanism of price formation in market, the inhabiting factors in Price Formation in Market, the dangers caused by monopoly, and How islam have managed the economic behaviour. This Paper will discuss these themes according to Ibn Taimiyyah thoughts. ==================================================ABSTRAK Nama Ibn Taimiyyah sering diidentikkan dengan gerakan Wahabiah. Pemikiran Ibn Taimiyyah sering dijadikan kambing hitam karena pengaruhnya terhadap gerakan jihadis. Sehingga, penelitian terhadap pemikiran Ibn Tamiyyah penting dilakukan. Dalam melakukan eksplorasi terhadap pemikiran Ibn Tamiyyah, penulis menemukan beberapa bagian dari tulisan Ibn Taimiyyah yang sebenarnya relevan terhadap teori masa kini. Salah satu nya tentang Pembentukan Harga di Pasar dan Peran pemerintah dalam melakukan regulasi harga. Dan pernyataan-pernyataan Ibn Taimiyyah ternyata banyak yang sesuai dengan teori ekonomi, bahkan menyerupai teori ekonomi klasik yang dicetuskan oleh Adam Smith. Padahal Ibn Taimiyyah hidup sekitar 5 abad sebelum teori ekonomi klasik muncul.  Dan sebenarnya dalam islam sendiri terdapat kaedah perlindungan terhadap harga pasar.Tulisan ini mengupas tentang bagaimana mekanisme pembentukan harga di pasar? Faktor apa saja yang menghambat pembentukan harga di pasar? Dan apa peran pemerintah untuk mencegah distorsi terhadap harga di pasar? Apa bahaya monopoli terhadap keseimbangan di pasar? Dan bagaimana etika islam dalam mengatur perilaku ekonomi? Tulisan ini akan membahas tema-tema tersebut dengan menggunakan kerangka pemikiran Ibn Taimiyyah.
AKTUALISASI EKONOMI ISLAM DALAM MENURUNKAN TINGKAT KETIMPANGAN DI INDONESIA Muheramtohadi, Singgih
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 3 No 1 (2018): Juni
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

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

Abstract

Tata Kelola Keuangan Negara Madinah Dan Relevansinya Dengan Konteks Keindonesiaan Muheramtohadi, Singgih
El-Jizya : Jurnal Ekonomi Islam Vol 6 No 2 (2018)
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v6i2.2041

Abstract

Financial Governance is one of many problems that face in Indonesia. The low of perception of Corruption Index, the budget waste, ineffeciency in budget alocation, and found so many of budget deviations. On other side, in early history of islam, financial institution have existed also known as Baitul Mal. From simpe institution form of Baitul Mal to organized institution in the age of Umar Ibn Khattab’s rule. Although Islam doesn’t teach the financial governance definitively, but there are some principles that relevant to solve thefinancial governance problems in present time. This write uses the description and analytical method, i.e to describe how to manage the financial in Baitul Mal and what values are contained that can be used in solving the financial governance’s problems. The results of this write are : 1) the govermance should restrict of expenditure budget, 2) the expenditures must be based on the real neeeds of people, especially for poor class. 3) to maximilize the revenue from large companies and cumstoms and excises. 4) to intensify the control of financial governance.
Improving the Performance of Islamic Banking through Technological Innovation and Human Resource Management Muheramtohadi, Singgih; Fataron, Zuhdan Ady
Jurnal Bisnis, Manajemen, dan Akuntansi Vol. 11 No. 2 (2024): Jurnal Bisnis, Manajemen, dan Akuntansi (JBMA) - September
Publisher : Sekolah Tinggi Ilmu Bisnis Kumala Nusa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54131/jbma.v11i2.204

Abstract

This study base on few islamic banks those aplicate syariah law in runing their business. And the question is what the reason the principal of syaria would be executed? Which human resources those will be prepared to for running syariah bank activities? How the application of technology in assistance of bank syariah performance? The results of study are those; many syaria bank run its system not much different from commercial banks. Just change many terms in arabic language. This happen cause the commercial bank system easier and safer than syariah system. To run the syaria system, so be required better quality resources in running of businesss more than comercial banks. So, it need some analysis experts and business supervisors those more professional, to reduce the level of loses. Beside that, with the assistance of technology can help in coordination and communication with other people, especiallly between shohibul mal. Mudharib and partnership
The Islamic Lifestyle of the Muslim Middle Economy Class and the Opportunities for the Halal Tourism Industry in Indonesia Muheramtohadi, Singgih; Fataron, Zuhdan ady
Journal of Digital Marketing and Halal Industry Vol 4, No 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2022.4.1.10828

Abstract

In the last two decades there have been several social changes, such as the rise of industries based on sharia provisions from banking products, cosmetics, as well as Sharia tourism. Along with this growth, there have also been changes in attitudes and lifestyles such as the widespread use of the hijab which is often called the hijab revolution. This does not only occur in the lower economic class but also in the middle economic class. The economic lifestyle of the Muslim middle class also affects the demand for halal products. This paper aims to explain the relationship between the lifestyle of the Muslim economic middle class and its relationship with the opportunities for the halal tourism industry in Indonesia. The research method used is qualitative with a literature study and a descriptive approach. The results of this study are the relationship between middle class status, lifestyle and sharia products in Indonesia is very close. Halal tourism is also part of an industry that seeks to capture the opportunities generated by this market. Seeing the relationship between the middle class and the opportunities possessed by Halal Tourism is very large, and in the future it is expected that various industries that support sharia tourism will emerge, from lodging, restaurants, to various types of culinary delights that adapt to the needs of the Muslim middle class, which is always growing from year to year.
The impact of regional original income and balance funds on local government financial performance: an Islamic perspective in Central Java, Indonesia Maghfiroh, Tsaniyatul; Warno, Warno; Muheramtohadi, Singgih
Journal of Islamic Economics Management and Business (JIEMB) Vol. 6 No. 1 (2024)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2024.6.1.23430

Abstract

This study examines the effects of regional original income (PAD) and balance funds on the financial performance of local governments in Central Java Province from 2019 to 2023. The research explores the mediating role of capital expenditure in these relationships, incorporating both conventional economic and Islamic financial perspectives. Utilizing quantitative analysis and path analysis, the study draws on secondary data from 35 local governments. The findings reveal that PAD positively affects financial performance, enhancing fiscal independence, while balance funds negatively impact both financial performance and capital expenditure due to fiscal dependency. Capital expenditure was found not to mediate the relationships between PAD, balance funds, and financial performance. These results highlight the need for local governments to reduce dependency on balance funds and focus on sustainable revenue generation through PAD, in line with Islamic ethical principles of stewardship, justice, and public welfare. The study contributes to understanding fiscal independence within an Islamic framework, with recommendations for future research to further explore these dynamics.
The impact of regional original income and balance funds on local government financial performance: an Islamic perspective in Central Java, Indonesia Maghfiroh, Tsaniyatul; Warno, Warno; Muheramtohadi, Singgih
Journal of Islamic Economics Management and Business (JIEMB) Vol. 6 No. 1 (2024)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2024.6.1.23430

Abstract

This study examines the effects of regional original income (PAD) and balance funds on the financial performance of local governments in Central Java Province from 2019 to 2023. The research explores the mediating role of capital expenditure in these relationships, incorporating both conventional economic and Islamic financial perspectives. Utilizing quantitative analysis and path analysis, the study draws on secondary data from 35 local governments. The findings reveal that PAD positively affects financial performance, enhancing fiscal independence, while balance funds negatively impact both financial performance and capital expenditure due to fiscal dependency. Capital expenditure was found not to mediate the relationships between PAD, balance funds, and financial performance. These results highlight the need for local governments to reduce dependency on balance funds and focus on sustainable revenue generation through PAD, in line with Islamic ethical principles of stewardship, justice, and public welfare. The study contributes to understanding fiscal independence within an Islamic framework, with recommendations for future research to further explore these dynamics.
A Comparative Study: The Economic Thoughts o Ibn Khaldun and Karl Marx Muheramtohadi, Singgih
International Journal of Islamic Business and Economics (IJIBEC) Vol 2 No 1 (2018): Volume 2 Nomor 1 Tahun 2018
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v2i1.1249

Abstract

This paper aims to compare the two great minds of Ibn Khaldun and Karl Marx in terms of their similaritiesand differences. In term of similarities, Ibn Khaldunsuggests the fall of empire sovereigntywhich is in linewith Karl Marx’s idea of the destruction of capitalism. According to Karl Marx, the development of modes of production from time to time is a necessity. Whereas, Ibn Khaldun in his bookof Al−Muqaddimah argues thatthe fall of empire sovereignty is rooted in the nature of its power. Marx assumes that the capitalistsystem ‘inevitably’ will continuously foster the surplus value, while Ibn Khaldun states that the nature of power is about pursuing luxuries.This research applied descriptive comparative and qualitative approach.The study concludes that there are some similarities between Ibn Khaldun and Karl Marxalthoughthere are more distinct differences. This is because of the following factors:(1)lifebackground,(2) assumptionusedbybothfigures, (3) social state of the society, and (4) influence of the previous scientific thoughts. The difference in the course of economic conception −work, surplus value, and the law of necessity−lies in the paradigm which both concepts use. Ibn Khaldun applies induction approach bysummarizing the general case of many historical events and disappearance of the former empires. Whereas, Marx uses class conflict approach as the basis for his theory. As its implication,similarities ofthese concepts do not necessarily require the same paradigm. A review of economic thought of the preceding figures should apply a contextual approach, that is, from the condition of the relevant figure.
Co-Authors fataron, zuhdan ady Maghfiroh, Tsaniyatul Warno Warno