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Analisis Penerapan Risiko Operasional Dan Kepatuhan Syariah Badan Wakaf Al-Qur’an Ditinjau Dari Waqf Core Principles Neng Wiwi; MH Ainulyaqin; Sarwo Edy; Listian Indriyani Achmad; Sakum
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.3030

ABSTRACT. Operational Risk and Sharia Compliance are indicators contained in the waqf Core Principles, which have been applied by the Bekasi Branch Al-Qur’an Waqf Board in minimising operational risks that will occur and indications of sharia compliance. The Waqf assets issued by the Al-Qur’an Waqf Board to the public are Al-Qur’an mushaf, where the waqif donates by giving a sum of money will be used for all operational purposes from collecting money, printing, storing and distributing Al-Qur’an throughout the country. This study aims to analyse the application of Operational Risk and analyse of Sharia Compliance at the Bekasi Branch of the Al-Qur’an Waqf Board. This method with descriptive research and field research. Data collection is carried out by observation and interview process. The results showed that: From six indicators of Operational Risk and from ten indicators of Sharia Compliance, the Al-Qur’an Waqf Board has implemented all of them based on the Waqf Core Principles.

Analisis Kesyariahan dalam Transaksi Penjualan pada Perusahaan Private equity dalam Perspektif Ekonomi Islam Ai Ufi Lutfiatunnufus; MH Ainulyaqin; Kisanda Midisen; Sakum; Sukron Mamun
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.8637

This study to analyze the relationship and similarities between the sales transaction process in a private equity manufacturing company and the concept of sales in the perspective of Islamic economics. The study was conducted at an automotive manufacturing company operating under a conventional economic system. The research method used is descriptive qualitative, employing literature review, participatory observation, in-depth interviews, and documentation. The findings indicate that there are similarities in transaction principles such as price agreements (akad), cost transparency, and made to order product manufacturing, which align with the akad istishna in Islamic. The study also highlights significant differences, particularly the implementation of penalty fees (riba) for late payments, which contradicts the Islamic prohibition of usury. This research recommends that companies consider integrating Islamic economic principles to improve business ethics and expand market opportunities, especially in the Syariah based industrial sector.

Determin Minat Beli Ulang Mie Gacoan Bekasi dengan Labelisasi Halal Sebagai Variabel Moderasi Sarmila, Lia; Listian Indriyani Achmad; Ainulyaqin, MH; Sakum; Sukron Mamun
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.3540

This study aims to determine the effect of price and service quality service quality on repurchase interest in Gacoan Noodle products with halal labeling as a moderating variable. As a moderating variable. This research method uses SPSS 24 software with a sample of 100 respondents. Taken as many as 100 respondents. The data analysis method used is path analysis. The results showed that the value between price and Halal Labeling has a previous value (1.966) and a moderating value (1.966). Before (1.966) and has a value comparison (-2.978) then it can be concluded that the halal labeling variable is able to moderate the effect of the Price variable on the.Repurchase Interest variable. And the value between Service Quality and Halal Labeling has the previous value (0.513) and has a value comparison (0.426), so it can be concluded that the variable Halal labeling is not able to moderate the influence of the Service Quality variable on the Repurchase Interest variable.

Peningkatan Literasi Keuangan Syariah Melalui Pelatihan dan Pendampingan Masyarakat Kabupaten Bekasi Sakum; Sukron Mamun; Ali Nur Ahmad; Sarwo Edy; Hamdan Ainulyaqin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.4824

Financial literacy in Indonesia, especially in the context of sharia financial literacy, shows an alarming level. Financial literacy includes the ability to read, analyze, manage and communicate personal financial conditions. The World Bank survey places Indonesia in the third lowest ranking globally in terms of financial literacy, behind India and China. Data from the Financial Services Authority (OJK) shows that in 2013 and 2016, only around 21.84% and 29.66% of the Indonesian adult population had adequate financial literacy, with the figure among MSMEs even lower, namely 18.71%. An OJK webinar in 2022 revealed that the sharia economic literacy index had only reached 23.3%, far below the national financial literacy index of 49%. This imbalance highlights the need for broader educational efforts to increase public understanding of Islamic financial products. Even though financial education is the key to increasing literacy, in Indonesia, financial education is still rare in schools and universities. Developed countries have actively promoted financial education, while big challenges still exist in Indonesia. In the Islamic context, financial literacy also includes understanding muamalah maaliyah law to ensure halal and fair transactions. This research aims to explore and understand aspects of sharia financial literacy and inclusion through a qualitative approach, with observations and literature reviews in Bekasi Regency. It is hoped that this research can provide in-depth insights and recommendations to increase sharia financial literacy and inclusion more effectively.

Analisis Strategi Marketing Mix pada Esteh Indonesia dalam Perspektif Ekonomi Islam Umul Qiromah; Sarwo Edy; Sakum; M H Ainulyaqin
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.153

This study aims to analyze marketing strategies applied to increase brand awareness through social media on Esteh Indonesia beverages Telaga Asih Cikarang branch, in accordance with the perspective of islamic economics. This type of research uses qualitative methods, descriptive research techniques data is collected through observation (observation), interviews, and documentation. The results of this study show that the marketing strategies implemented by Indonesia Iced tea Telaga Asih beverages to increase brand awareness through social media are: 1) products, by selecting high-quality raw materials, designing products in an attractive way, and maintaining high-quality flavors. 2) price, setting a relatively cheap price for everyone to drink it. 3) distribution location, by providing strategic marketing location and unique design for customer convenience. 4) promotion through print browsers and brand awareness through social media. And create daily video content through social media and upload it once a week. From the perspective of islamic economics, the marketing strategy of Esteh Indonesia (Telaga Asih Cikarang branch) apply islamic marketing characteristics that are in line with sharia law, including divinity, morality, reality and humanity as well as islamic marketing principles namely shiddiq (honest), amanah (trustworthy), fatanah (intelligent / leadership) and tabligh (communication).

Pengaruh Digital Marketing terhadap Keputusan Pembelian Brand Nibras dengan Kepercayaan Konsumen sebagai Variabel Moderasi Nurrohmah, Shinta; Listian Indriyani Achmad; Sakum; Sukron Mamun
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.3407

This study aims to test and explain the effect of digital markerting variables on purchasing decisions for the Nibras brand. In addition, it is also to test and explain the consumer confidence variable in moderating digital marketing variables on purchasing decisions for the Nibras brand. This type of research uses quantitative research, the aim is to get answers about the clarity of the relationship between variables through data analysis to test the hypothesis that has been set. This study uses a probability sampling technique of simple random sampling type, which is a type of research that is carried out randomly on each element without regard to strata in the population. There are 100 samples that are feasible in the study. Based on the characteristics of research respondents from a gender perspective, 71% of female respondents and 29% of male respondents. The results of the SEM PLS analysis state that digital marketing variables have a significant positive effect on purchasing decisions. That way H1 is accepted and H2 is accepted. As for the moderating role of the consumer confidence variable for digital marketing variables on purchasing decisions. The consumer confidence variable moderates the effect of digital marketing on purchasing decisions, and the type of moderation is quasi moderation. With that stated that H1 is accepted and H2 is accepted.

Implementasi Pendidikan Nilai-Nilai KeIslaman dalam Konteks Kewirausahaan: Studi pada kinerja alumni pesantren Almushlih Karawang yang berwirausaha Latif, Abdul; Sakum; Mamun, Sukron; Achmad, Yudianto; Ainulyaqin, M.H
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.3461

This study aims to explore the impact of Islamic values education on the business performance of pesantren alumni, as well as to understand the impact of Islamic values on the performance of pesantren alumni who are entrepreneurs. This study used a qualitative approach to gain an in-depth understanding of the implementation of Islamic values education in the business context. Data collection used the interview method. Researchers conducted in-depth interviews with several pesantren alumni who are currently entrepreneurs. The education pattern at Almushlih Islamic Boarding School in Karawang Regency applies a curriculum based on the understanding of Ahlus Sunnah wal Jamaah and the use of classical books in the fields of tawhid, Sufism, and fiqh. This pesantren has succeeded in instilling strong Islamic values in its students. Traits such as tawakal, qanaah, honesty, trustworthiness, patience, istiqamah, wara, humility, and compassion, which are taught through these sciences, have proven to be important elements in shaping the character of successful entrepreneurs. These values help entrepreneurs in facing challenges, making wise and ethical decisions, and building strong relationships with all stakeholders. As a result, pesantren alumni not only achieve financial success but are also able to create a positive impact on their community and environment.

Maksimalisasi Zakat untuk Pemberdayaan Ekonomi: Strategi Pendampingan dan Manajemen yang Efisien Sakum; Sukron Mamun; Ali Nur Ahmad; Kisanda Midisein; Listiyan Achmad
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.4825

This research aims to explore the potential of zakat in empowering the economic community in Indonesia, with a focus on mentoring and efficient management strategies. Zakat, as an Islamic economic instrument, has strategic potential to overcome income inequality and promote economic equality. In Indonesia, with a majority Muslim population and cultural diversity, zakat is expected to significantly strengthen economic empowerment and community welfare. This research uses a qualitative approach involving observation, interviews and literature review. Field observations were carried out to understand the implementation of zakat in daily operations, while interviews with stakeholders such as entrepreneurs, zakat institution managers, and consumers provided in-depth insight into the challenges and opportunities in zakat management. A literature review was carried out to build a theoretical foundation and understand developments and policies related to zakat. Initial findings show that although zakat institutions in Indonesia have developed, the potential of zakat as an economic tool is not yet optimal because it is often considered a voluntary contribution. Optimizing zakat can be achieved through implementing the principles of good governance, integration in fiscal policy, and the use of digital systems for administration. Collaboration with other institutions is also important to increase transparency and accountability. It is hoped that this research can provide strategic guidance for the development and implementation of zakat as a more effective tool for economic empowerment, with a positive impact on reducing poverty and improving community welfare.

Analisis Kepatuhan Syariah pada Wisata Halal Lafa Park Adventure M. Padly; MH Ainulyaqin; Kisanda Midisen; Sukron Mamun; Sakum
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 2 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i2.5910

The purpose of this study is to analyze sharia compliance in halal tourism Lafa Park Adventure if it adheres to the principles of sharia. Lafa Park Adventure halal travel is a type of travel. with a sharia design founded by Mr. H. Irfan Amirudin aims to spread Islam by promoting sharia principles and educating sunnah activities recommended by the Prophet Muhammad SAW such as swimming, horse riding and archery. To determine whether the rides and facilities are in accordance with sharia, academics will conduct a study, researchers will then elucidate the halal tourist indicators. The research employed a qualitative methodology along with the method of field study. In theory, researchers will map informants that include of tourist attraction managers and tourists. Basically, the results show that Lafa Park Adventure halal tourism has implemented sharia compliance with the benchmarks of the MUI DSN Fatwa NO: 1 08/DSN-MUI/X/2016. In addition, Lafa Park Adventure Tourism is suggested to be a pilot for the local government as halal tourism because many integrated Islamic schools need tourist facilities like this that prioritize sharia principles and the sunnah of the prophet Muhammad SAW as a good education for children.

Determin Minat Beli Ulang Mie Gacoan Bekasi dengan Labelisasi Halal Sebagai Variabel Moderasi Sarmila, Lia; Listian Indriyani Achmad; Ainulyaqin, MH; Sakum; Sukron Mamun
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.3540

This study aims to determine the effect of price and service quality service quality on repurchase interest in Gacoan Noodle products with halal labeling as a moderating variable. As a moderating variable. This research method uses SPSS 24 software with a sample of 100 respondents. Taken as many as 100 respondents. The data analysis method used is path analysis. The results showed that the value between price and Halal Labeling has a previous value (1.966) and a moderating value (1.966). Before (1.966) and has a value comparison (-2.978) then it can be concluded that the halal labeling variable is able to moderate the effect of the Price variable on the.Repurchase Interest variable. And the value between Service Quality and Halal Labeling has the previous value (0.513) and has a value comparison (0.426), so it can be concluded that the variable Halal labeling is not able to moderate the influence of the Service Quality variable on the Repurchase Interest variable.

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