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All Journal DIALEKTIKA El-Iqtishod: Jurnal Ekonomi Syariah Cokroaminoto Journal of Primary Education Journal of Indonesian Islamic Studies Jurnal Ekonomi dan Binsis AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab Jurnal Ekonomi, Teknologi dan Bisnis Amal: Jurnal Ekonomi Syariah Journal of Environmental Economics and Sustainability Journal of Ecotourism and Rural Planning Jurnal Ilmu Pengetahuan dan Teknologi Bagi Masyarakat Jurnal Literasi Digital DIRASAH: Jurnal Kajian Islam Jurnal Manajemen Strategis: Jurnal Mantra
Riady, Achmad
Institut Parahikma Indonesia
Religion Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Mechanical Engineering Social Sciences Other

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Pengaruh Dana Tabarru dan Hasil Underwriting terhadap Return On Asset Riady, Achmad; Hidayat, Rahmat Wahyu
Jurnal Ekonomi & Bisnis Vol 3 No 1 (2024): Jurnal Ekonomi dan Bisnis
Publisher : Politeknik Baubau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57151/jeko.v3i1.359

Abstract

Tabarru funds are contributions issued by sharia insurance policies which are intended to be given and used to help sharia insurance participants if a disaster strikes. Meanwhile, the underwriting result is a score obtained from the difference between insurance income and underwriting expenses from the main insurance activities, the activities of which will generate and increase the company's profits. Return on assets is a ratio to see the level of profitability of an institution, where in this case ROA is used to see how great the company's ability to gain profits through the use of its assets or assets, in this case a sharia life insurance company. This research aims to determine the effect of tabarru funds, underwriting results on ROA on sharia life insurance registered with the OJK for the 2018-2022 period. This type of research is quantitative research. The sample used is time series data of monthly financial reports of sharia life insurance registered with the OJK for the 2018-2022 period with a total of 60 samples. The data analysis technique used in this research is descriptive statistics using multiple linear regression analysis with the help of SPSS. The research results show that partially tabarru funds have a negative and significant effect on ROA in sharia life insurance. Partially, underwriting results have a positive and significant effect on ROA in sharia life insurance. Simultaneously tabarru funds and underwriting results have a positive and significant effect on ROA in sharia life insurance. The implication of this research is that if sharia life insurance focuses on tabarru fund management and further improves underwriting results, it will produce stable financial reports so that it has the opportunity to increase profits in terms of profit.
Pemberdayaan Kelompok Nelayan Bagan Tancap Pulau Bulupoloe Malili Kabupaten Luwu Timur Riady, Achmad; Alam, Syamsu; Suryani, Suryani
Jurnal IPMAS Vol. 1 No. 1 (2021): Januari - April
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54065/ipmas.1.1.2021.23

Abstract

Komunitas nelayan bagan pada Pulau Bulupoloe Kecamatan Malili Kabupaten Luwu Timurmasih menggunakan lampu petromaks dan genset sebagai alat bantu pengumpul ikan. Lampu petromaks cenderung kurang efisien dan kurang efektif untuk mengumpulkan ikan. Kekurangan dari penggunaan lampu petromaks sebagai lampu penerangan antara lain cahaya lampu petromak cenderung lebih redup dan tidak mampu menembus air laut sampai kedalaman 5 meter. Selain itu, hampir setiap hari terjadi kerusakan pada lampu petromak terutama pada kaos lampu sebagai sumber cahaya, seringnya faktor angin dan cuaca buruk menjadikan lampu petromak tidak dapat digunakan dan kekurangan yang paling penting adalah ketergantungan pada minyak tanah (kerosin) masih tinggi. Sedangkan penggunaaan lampu dengan genset memiliki ketergantungan pada bahan bakar minyak sehingga biaya operasional pada bagan nelayan lumayan tinggi. Penggunaan genset bahkan lebih memakan biaya operasional yang lebih tinggi dari lampu petromaks dengan demikian keuntungan yang diperoleh oleh nelayan kurang bahkan bisa mengalami kerugian jika hasil tangkapannya hanya sedikit. Sementara Indonesia memiliki potensi energi angin dengan kecepatan sekitar 3-6 m/s. Kondisi kecepatan angin tersebut menjadi potensi untuk mengembangkan turbin angin sebagai sumber energi listrik. Untuk memaksimalkan hasil tangkapan ikan dari komunitas nelayan bagan maka turbin angin akan dikombinasikan dengan penggunaan lampu celup bawah air. Daya listrik yang dihasilkan turbin angin tersebut dapat dimanfaatkan sebagai penyuplai energi bagi lampu lampu celup bawah air yang akan dipasang di bagan nelayan. Target luaran program ini adalah (a) Dihasilkannya sumber penerangan yang efisien dan efektif bagi nelayan bagan melalui turbin angin kombinasi lampu celup bawah air. (b) Biaya operasional nelayan bagan menurun karena menggunakan turbin angin sebagai energi mandiri yang tidak menggunakan BBM. (c) Meningkatnya pengetahuan dan kemampuan masyarakat dalam memanfaatkan teknologi khususnya penggunaan turbin angin dan lampu celup bawah air.(d) Meningkatnya kesejahteraan dan pendapatan nelayan bagan tancap
A Study of the Maudhu'i Hadith on Waqf and Its Implications in Addressing Contemporary Economic Deviations Riady, Achmad; Ahmad, Arifuddin; Aisyah, Siti
Journal of Indonesian Islamic Studies Vol. 5 No. 1 (2025): Journal of Indonesian Islamic Studies (October)
Publisher : State Islamic Institute of Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/jiis.v5i1.7459

Abstract

Waqf holds a strategic position within the Islamic economic system due to its ability to integrate spiritual values with socio-economic functions. This study aims to examine the implementation of the thematic (maudhu’i) approach in understanding hadiths related to waqf and to evaluate their relevance in strengthening contemporary Islamic economics. This research employs a qualitative method based on a literature review with a descriptive-analytical approach. Primary data were derived from hadiths found in major collections, analyzed through thematic classification, validation of chains of narration (sanad) and content (matan), and critical analysis. The findings indicate that waqf-related hadiths can be categorized into several key themes, including waqf jurisprudence, social benefits, and productive waqf. The validity of the hadiths is supported through takhrij and sanad-matan criticism, while their correlation with Islamic economic principles is reflected in social justice, wealth redistribution, and community empowerment. Innovations such as cash waqf, waqf sukuk, and Islamic fintech have expanded the scope of waqf implementation in sustainable economic development. Government bodies and financial institutions play a strategic role in strengthening the waqf ecosystem through supportive regulations and public literacy. This study concludes that integrating hadith scholarship and Islamic economics through the thematic approach makes a significant contribution to advancing both the knowledge and practice of waqf in the contemporary era.
Integrated Halal Infrastructure for Strengthening Indonesia’s Sharia Economic Ecosystem: Infrastruktur Halal Terintegrasi untuk Memperkuat Ekosistem Ekonomi Syariah Indonesia Achmad Riady; Arif Mashuri; Siradjuddin, Siradjuddin
DIRASAH: Jurnal Kajian Islam Vol 3 No 1 (2026): DIRASAH: Jurnal Kajian Islam
Publisher : Litera Academica Publishing

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

Abstract

Indonesia’s growing role in the global halal economy highlights the necessity of a well-developed halal infrastructure that ensures product integrity, strengthens consumer trust, and enhances industry competitiveness. However, existing studies and national practices tend to focus on isolated elements such as certification or logistics, resulting in fragmented implementation and uneven institutional capacity across regions. This study aims to provide an integrated analysis of halal infrastructure covering certification governance, halal laboratory networks, halal logistics, and digital traceability systems and examine how these components collectively reinforce the Sharia economic ecosystem in Indonesia. Using a qualitative literature review supported by policy reports and empirical case documentation, the study synthesizes Institutional Theory, the Resource-Based View, and the maqāṣid al-sharī‘ah framework to analyze structural, operational, and ethical dimensions. The findings show that coordinated institutional arrangements, capacity development of laboratories, and digital integration significantly enhance efficiency and credibility, although disparities remain in regional access and SME readiness. The study concludes that holistic infrastructure development is essential for sustainable and inclusive Sharia economic growth, contributing a conceptual framework to guide future policy and empirical research.
Wawasan Al-Qur’an Tentang Zakat dan Kemiskinan: Studi Ekonomi Syariah di Barru Achmad Riady; Achmad Abubakar; Muhammad Irham
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Juni
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i1.9564

Abstract

This study aims to analyze the effect of zakat distribution on poverty reduction in Barru Regency from the perspective of Islamic economics grounded in Qur’anic insight. Poverty remains a central issue in the region, despite the potential of zakat and the active role of zakat management institutions. A quantitative approach was employed using a simple linear regression analysis, based on secondary data from BAZNAS and BPS for the period 2020–2024. The results reveal that zakat distribution has a significant influence on reducing poverty levels, with a determination coefficient of 0.672. These findings indicate that increased zakat distribution corresponds with lower poverty rates in the area. The theoretical discussion is supported by the concept of zakat as an empowerment tool for the poor and its relevance to maqashid shariah and sustainable development goals. This study concludes that optimizing zakat distribution, particularly through productive programs, can serve as a concrete solution to localized and just poverty alleviation. Keyword: Zakat, Poverty, Islamic Economics, Qur’anic Insight
Product Innovation as the Foundation of Effective Marketing Strategy in the Creative Industry Kartini, Kartini; Riady, Achmad
Jurnal Manajemen Strategis: Jurnal Mantra Vol. 2 No. 02 (2025)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmt.v2i02.2464

Abstract

This study is motivated by the increasing competition in the creative industry, which requires businesses to continuously innovate to maintain sustainability and strengthen competitiveness in the global market. The purpose of this research is to analyze the role of product innovation as the foundation for developing effective marketing strategies in the creative industry within the digital era. The study employs a qualitative descriptive approach through a library research method, drawing data from scientific journals, books, and academic publications accessed via Google Scholar from 2015 to 2025. The findings indicate that product innovation significantly contributes to marketing effectiveness through value creation, product differentiation, brand image strengthening, and customer loyalty improvement. Innovation also enables creative industry players to adapt to technological changes and dynamic market trends. The implications of this research highlight that marketing success is not solely determined by product quality but also by the ability to integrate continuous innovation throughout all business processes. Consistent and sustainable product innovation is identified as a key driver for the development of adaptive, competitive, and resilient creative industries in the digital age.
Co-Authors Abd. Hafid Abdi Wijaya Achmad Abubakar Adnan Hasan Arif Mashuri Arifuddin Ahmad, Arifuddin Arsidiq, Nur Usbianto Azwar Azwar Baso Akib Elvi Elvi, Elvi Hamzah Khaeriyah Hidayat, Rahmat Wahyu Hilya Fitriani Husna, Mutammimal Ida Farida Kartini Kartini Muhammad Irham Risaldi, Muh Nur Siradjuddin, Siradjuddin Siti Aisyah Suryani Suryani SYAMSU ALAM Yanti, Rosmalah