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All Journal SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah IQRO: Journal of Islamic Education Khatulistiwa: Journal of Islamic Studies Al Yasini : Jurnal Keislaman, Sosial, hukum dan Pendidikan JURNAL EKONOMI SYARIAH Jurnal Ilmu Manajemen Profitability Jurnal Ilmiah Al-Tsarwah Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Jurnal Ar-Ribh JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Tadayun: Jurnal Hukum Ekonomi Syariah Journal of Artificial Intelligence and Digital Business Madani: Multidisciplinary Scientific Journal An Nuqud: Journal of Islamic Economics Socius: Social Sciences Research Journal Journal of Innovative and Creativity Media Hukum Indonesia (MHI) PESHUM
Sapa, Nasrullah Bin
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Factors Influencing Bank Muamalat's Profitability With Non-Performing Financing As Moderators Syarif, Magfira; Majid, Jamaluddin; Asse, Ambo; Sapa, Nasrullah Bin
Jurnal Ar-Ribh Vol 6, No 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10630

Abstract

The research objective was to determine the effect of the capital adequacy ratio, financing to deposit ratio, and third party funds on profitability with non-performing financing as a moderating variable. This type of research is quantitative using secondary data processed through SPSS. The results of this study indicate that the capital adequacy ratio and the financing to deposit ratio have a significant effect on profitability but third party funds have no effect on profitability. Meanwhile, non-performing financing is not able to moderate the relationship between the capital adequacy ratio, financing to deposit ratio, and third party funds to profitability
Akad Musyarakah dan Musyarakah Mutanaqisah (MMQ) Dliyauddin, Dliyauddin; Caya, Rosdiyana; Basse, Rahman Ambo; Sapa, Nasrullah Bin
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 6 (2025): July 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15986992

Abstract

Musyarakah and Musyarakah Mutanaqisah (MMQ) are two types of syirkah contracts widely used in Islamic financial institutions as interest-free financing alternatives. These contracts are based on the principles of partnership, risk-sharing, and profit-sharing. This paper analyzes the theoretical and practical aspects of both contracts, focusing on their structure, legal foundations, advantages, and implementation challenges in the context of Indonesia.
Factors Influencing Bank Muamalat's Profitability With Non-Performing Financing As Moderators Syarif, Magfira; Majid, Jamaluddin; Asse, Ambo; Sapa, Nasrullah Bin
Jurnal Ar-Ribh Vol. 6 No. 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10630

Abstract

The research objective was to determine the effect of the capital adequacy ratio, financing to deposit ratio, and third party funds on profitability with non-performing financing as a moderating variable. This type of research is quantitative using secondary data processed through SPSS. The results of this study indicate that the capital adequacy ratio and the financing to deposit ratio have a significant effect on profitability but third party funds have no effect on profitability. Meanwhile, non-performing financing is not able to moderate the relationship between the capital adequacy ratio, financing to deposit ratio, and third party funds to profitability
Review of Marketing Ethics in Sharia Property Business Actors (Case Study on Sharia Property Business Actors in Maros Regency ) Herman, Herman; Hamzah, Muh. Nasir; Sapa, Nasrullah Bin
Jurnal Ar-Ribh Vol. 7 No. 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.14522

Abstract

In Islam, ethics serves as the guiding principle of distinguishing between right and wrong, based on the teachings of the Qur'an and the Sunnah (traditions of the Prophet Muhammad). Ethics holds significant importance in business endeavors, particularly in the context of marketing practices. This study aims to assess the alignment of marketing ethics among Sharia property entrepreneurs in Maros Regency with Islamic business ethics. Utilizing a qualitative research approach with a phenomenological perspective, data collection involved interviews, observations, and documentation. The findings indicate that while the marketing ethics employed by Sharia property entrepreneurs in Maros Regency generally adhere to Islamic business ethics, there are areas that require enhancement, such as trustworthiness, transparency, and accountability. Strengthening these aspects can contribute to fostering greater integrity and ethical conduct within the business community, aligning with the principles outlined in Islamic teachings.
Kepatuhan Terhadap Prinsip Halal dalam Industri Kosmetik: Implikasi terhadap Preferensi Konsumen Muslim Sudarmi, Sudarmi; Sapa, Nasrullah Bin; Muthiadin, Cut; Syam, Agus; Agus, Agus
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 2: Februari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i2.7188

Abstract

Kepatuhan terhadap prinsip halal dalam industri kosmetik memiliki dampak signifikan terhadap preferensi konsumen Muslim, seiring dengan meningkatnya permintaan untuk produk yang sesuai dengan ajaran Islam. Konsumen Muslim kini semakin memprioritaskan sertifikasi halal sebagai salah satu faktor utama dalam keputusan pembelian kosmetik, mencerminkan tingginya kesadaran akan pentingnya kehalalan dalam aspek kehidupan mereka, termasuk dalam produk kecantikan. Studi ini mengeksplorasi implikasi kepatuhan terhadap prinsip halal terhadap preferensi konsumen Muslim, dengan fokus pada sertifikasi halal, transparansi dalam pemasaran, dan etika perusahaan. Penelitian ini juga menyoroti bagaimana perusahaan kosmetik harus menyesuaikan strategi pemasaran mereka dengan nilai-nilai Islam, memastikan bahwa produk yang ditawarkan tidak hanya memenuhi persyaratan halal tetapi juga mencerminkan prinsip etika yang mendalam. Hasil penelitian menunjukkan bahwa perusahaan kosmetik yang mematuhi prinsip halal dan menjalankan pemasaran yang berbasis pada integritas dan transparansi akan dapat meningkatkan kepercayaan dan loyalitas konsumen Muslim, serta meraih kesuksesan yang berkelanjutan di pasar yang semakin berkembang ini. Implikasi praktis dari temuan ini menekankan pentingnya adaptasi perusahaan kosmetik terhadap tren konsumsi halal yang terus berkembang untuk memenangkan pangsa pasar Muslim global.
Implementasi Sistem Penjaminan Halal pada Produk Roti di Toko Roti Fiona Cakes Makassar Maulana, Maulana; Cut Muthiadin; Sapa, Nasrullah Bin; Mukhtar Galib
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 2: Februari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i2.7267

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan sistem jaminan halal pada Fiona Cakes Bakery, sebuah UKM yang berbasis di Makassar. Dengan menggunakan pendekatan kualitatif deskriptif, data dikumpulkan melalui wawancara mendalam, observasi, dan analisis dokumen. Temuan penelitian menunjukkan bahwa sistem jaminan halal diterapkan melalui tiga aspek utama: pemilihan bahan baku bersertifikat halal, penerapan prosedur operasi standar (SOP) dalam proses produksi, dan pelaksanaan audit internal dan eksternal secara berkala. Penerapan ini berdampak positif pada kepercayaan konsumen, loyalitas pelanggan, dan penjualan, yang meningkat hingga 20% setelah memperoleh sertifikasi halal. Namun, beberapa tantangan masih ada, termasuk terbatasnya ketersediaan bahan tambahan bersertifikat halal, pemahaman karyawan yang tidak memadai tentang standar halal, dan biaya yang signifikan terkait dengan sertifikasi dan audit. Rekomendasi termasuk peningkatan pelatihan karyawan, perluasan kemitraan dengan pemasok bersertifikat halal, dan peningkatan subsidi pemerintah untuk mendukung UKM. Penelitian mendatang disarankan untuk mengeksplorasi hubungan kuantitatif antara sertifikasi halal dan kinerja keuangan UKM untuk wawasan yang lebih luas.
Penerapan Akad Musyarakah Mutanaqisyah Sebagai Alternatif Solusi Pembiayaan KPR Dalam Perbankan Syariah Fatimah, Emi Sri Rahayu; Sapa, Nasrullah bin; Wijaya, Abdi
IQRO: Journal of Islamic Education Vol. 6 No. 2 (2023): DESEMBER 2023
Publisher : Prodi Pendidikan Agama Islam FTIK IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/iqro.v6i2.4752

Abstract

This article discusses the application of musyarakah mutanaqisyah related to KPR (Home Ownership Credit) financing in the sharia banking system. The purpose of this article is to provide an overview of the application of the musyarakah mutanaqisyah contract as an alternative KPR (Home Ownership Credit) financing solution in sharia banking. Apart from that, this article also analyzes the obstacles in implementing musyarakah mutanaqishah contracts on KPR (Home Ownership Credit) in sharia banking. The research method used is the library research method or library study. Literature studies are devoted to revealing information sourced from scientific texts originating from books or scientific journals that are relevant to the topic being discussed. The research results obtained show that the application of the musyarakah mutanaqishah contract in mortgage financing in sharia banking has several advantages as an alternative solution in sharia financing, namely where the bank and the customer both own an asset that is the object of the agreement. Because they have mutual rights to do so, banks and customers mutually maintain the agreed cooperation.
Islamic Economic Ethics in Customer Complaint Handling: Enhancing Customer Satisfaction at BSI Habibi, Habibi; Parmitasari, Rika Dwi Ayu; Sapa, Nasrullah Bin
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 1 (2025): FEBRUARY 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v9i1.16825

Abstract

This study aims to explore the strategic implementation of customer complaint handling at BSI KCP Veteran Makassar in maintaining customer satisfaction and to analyze the application of ethics from the perspective of Islamic economic ethics. The research employs a qualitative approach with a case study method, involving six informants: one manager from BSI KCP Veteran Makassar, three BSI employees, and two BSI customers. Data collection was conducted through observations, interviews, and documentation analysis. The findings reveal that BSI KCP Veteran Makassar has implemented a structured approach to handling customer complaints to ensure customer satisfaction. This is achieved through three key strategies: a continuous improvement strategy, an excellent service strategy, and an effective and efficient complaint handling strategy. These strategies are designed to address customer grievances promptly while enhancing overall service quality. Furthermore, the bank integrates ethical principles in handling complaints, aligning with Islamic economic ethics. The ethics applied include honesty, fairness, responsibility, and professionalism, which reflect the core values of tabligh, amanah, fatonah, and siddiq in Islamic business practices. By upholding these ethical principles, BSI KCP Veteran Makassar ensures that customer concerns are resolved transparently and equitably. Ultimately, the implementation of these strategic and ethical approaches not only resolves customer complaints effectively but also fosters customer trust and loyalty. Maintaining high service standards and adhering to Islamic ethical values strengthen the bank's reputation and contribute to long-term customer retention and satisfaction.
ZAKAT, INFAK, DAN SADAQAH SEBAGAI INSTRUMEN PEMBANGUNAN SOSIAL DALAM EKONOMI SYARIAH KONTENPORER Jailuddin, Syuaib; Sapa, Nasrullah Bin; Misbahuddin
An Nuqud Journal of Islamic Economics Vol 4 No 1 (2025): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/annuqud.v4i1.2042

Abstract

The Islamic economic system offers a unique approach to addressing social inequality through a fair wealth distribution mechanism. One of the primary instruments in this system is zakat, infaq, and sadaqah (ZIS), which serve both spiritual and socio-economic functions. This article aims to explain the definitions and distinctions of these three instruments from a sharia economic perspective, while highlighting their role in promoting social justice and strengthening the Muslim community's economy. This research employs a qualitative method with a library research approach, using secondary data obtained from books, academic journals, legal regulations, and relevant institutional documents. The analysis shows that zakat, as a religious obligation, has stricter management mechanisms compared to infaq and sadaqah, which are voluntary. However, all three complement each other in creating a more equitable economic distribution. Together, these instruments serve as vital pillars for developing a sustainable Islamic economic system, especially in the face of current socio-economic challenges
Hybrid Contract Perspektif Ekonomi Islam Paramata, Adhayani Mentari; Sapa, Nasrullah Bin; Widjaja, Abdi
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 6, No 3 (2023): JIMB - VOLUME 6 NOMOR 3 Januari 2024
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v6i3.23744

Abstract

Salah satu indikator kemampuan perbankan dapat beradaptasi dengan kebutuhan manusia modern adalah kemampuan bank yang selalu mau berinovasi dengan hal-hal baru salah satu contohnya adalah dengan menerapkan sistem multi akad (Hybrid Contract) dalam mengembangkan inovasi bisnisnya. Multi Akad (hybrid contract) adalah dua atau lebih kesepakatan (akad) dalam satu kontrak yang dilakukan oleh beberapa pihak dalam hal ini perbankan dan nasabahnya. Tujuan dari penelitian ini adalah untuk melihat dan memahasi konsep hybrid contract dalam perspektif ekonomi islam. Penelitian ini menggunakan metode studi pustaka atau literature review. Penelitian ini merumuskan beberapa konsep tentang jenis-jenis, rukun, syarat, dan batasan-batasan dari hybrid contract yang sesuai dengan ekonomi islam.
Co-Authors Abdi Wijaya, Abdi Affandi, Ahmad Zulkifli AGUS AGUS Amiruddin, Muhammad Majdy Arief, Fitriani Asse, Ambo Bakti, Andi Adi Prabowo Putra Basse, Rahman Ambo Caya, Rosdiyana Chairunnisa Chairunnisa Cut Muthiadin Darmawati H, Darmawati DARYANTI DARYANTI Dliyauddin, Dliyauddin Eka Febrianti, Eka Fatimah, Emi Sri Rahayu Habibi Habibi Haddade, Abdul Wahid Halik, Abdul Chadjib Hamzah, Muh. Nasir Ikhsan, Muh Indradewa, Rhian J, Jumriani Jailuddin, Syuaib Jamaluddin Majid Jayawarsa, A.A. Ketut Lutfi, Mukhtar Maulana Maulana Maulana Maulana, Maulana Misbahuddin Misbahuddin Misbahuddin Mukhtar Galib Muslimin Kara Paramata, Adhayani Mentari Parmitasari, Rika Dwi Ayu Raden Mohamad Herdian Bhakti Rahman R., Abd. Rahmawati, Rahmawati Ramlah Ramlah Said, Muh. Sa’ad Sapsuha, Mubasysyyratul Ummah Siradjuddin, Siradjuddin Sudarmi Sudarmi Syaharuddin Syam, Agus Syarif, Magfira Syaripuddin Syaripuddin Syatar, Abdul Tarmizi Tengku Riza Zarzani N Widjaja, Abdi