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PERAN LEMBAGA KEUANGAN SYARIAH (LKS) TERHADAP PERTUMBUHAN EKONOMI NASIONAL PASCA PANDEMI COVID 19 Maskur Maskur
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 5 No 2 (2022): DESEMBER 2022
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v5i2.751

Tujuan dari penelitian ini untuk mendeskripsikan Peran Ekosistem Lembaga Keuangan Syariah (Lks) Terhadap Pertumbuhan Ekonomi Nasional Pasca Pandemi Covid 19. Berikut ini adalah peran Lembaga Keuangan Syariah dalam rangka menumbuhkan ekonomi nasional berkelanjutan pasca pandemic covid 19 : Pertama dengan memperkuat rantai nilai halal (halal value chain), Kedua, menyalurkan layanan pembiayaan yang ramah terhadap pelaku Usaha Mikro Kecil Menengah (UMKM), Ketiga, optimalisasi peran keuangan philanthropy syariah, Keempat, digitalisasi layanan keuangan syariah, Kelima, berkomitmen terhadap investasi ekonomi hijau (green economy). Kata kunci : Lembaga Keuangan Syariah, pertumbuhan ekonomi nasional, pandemi covid 19.

Analisis Karekteristik Produk Halal Pada Makanan Dalam Perspektif Ayat Ahkam Maskur Maskur Maskur
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6 No 1 (2023): JUNI 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i1.898

Food is not only important to meet human needs for food, but food is also closely related to culture, including technology, social organization as well as societal trust. Consumption of food is a logical consequence of human existence as living beings. Shari'at views that the consumption of food within its minimum limit to maintain existence and preserve life is an obligation, especially if the motivation and purpose of consuming food is to generate energy to carry out the rituals of Shari'ah worship. The formulation of the main problems of this study are: what is the product halal in food in the perspective of the verses of ahkam? what are the characteristics of halal products in food in the perspective of the verses of ahkam? The study in this paper uses normative legal research methods with a conceptual approach, because what is studied in this paper is the concept of halal certification and labeling which is reviewed from a juridical and normative view of Islamic law in the perspective of verse ahkam. The juridical analysis departs from ahkam verses related to the halal aspect of food. The results of this study indicate that halal products in food are halal products that have been declared halal in accordance with Islamic law and according to the verses of the Koran which explains the syar'i law or determines (istinbat) syar'i law based on these verses. Halal products have characteristics that become a reference, namely the nature, origin, as well as ways of processing food that indicate Muslim consumers. The criteria for halal eating in Islamic law such as; does not contain pork and ingredients derived from pork, not intoxicating or not khamr or its derivative products, Materials derived from animals must come from halal animals and slaughtered according to Islamic law, not included in the unclean category such as carrion, blood, dirt and others; and all storage, sale, processing, management and means of transportation for halal products may not be used for pigs or non-halal goods. If it has been used for pork or other non-halal and then it will be used for halal products, then it must first be cleaned according to the method regulated according to Islamic law.Keyword: characteristics, halal products, food, ahkam verses

Pengaruh Pembiayaan Mikro Syariah Dalam Mengembangkan Usaha Di Kabupaten Lebak Maskur Maskur; budiman budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 2 No 2 (2019)
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v2i2.958

This research is motivated by the fundamental problem of Islamic banking which has an important role in the development of the community's economy in financing the microeconomic sector, banks have demands to pay attention to the small business sector, especially related to financial limitations. in developing micro businesses of independent Islamic bank customers in Lebak district, the problem formulation in this study is as follows: (1) What is the mechanism of sharia microfinance applied by Bank Syariah Mandiri, (2) What is the concept of Akad used in microfinance at Bank Syariah Mandiri, (3) How is the implementation of microfinance in helping to develop micro businesses in Lebak district? The purpose of this research is to find out and describe microfinance, and find out how the contracts used in sharia microfinance, and to find out the implementation of microfinance in developing micro businesses of Bank Syariah Mandiri customers in Lebak Regency. This research uses quantitative research methods with a quantitative descriptive analysis approach, then from 58.8% because the selling price (poko + margin) offered is quite light, 23.4% think otherwise. 43.4% felt that there was no capital solution in microfinance and 56.6% stated that microfinance really provided capital solutions for micro, small businesses. 36.6% stated that microfinance makes it difficult for them to do business, and 63.4% stated that microfinance does not make it difficult at all. Then 53.4% stated that microfinance at independent Islamic banks had elements of usury, and 46.6% stated that microfinance at independent Islamic banks had no elements of usury. Then 84.4% of sales results are getting better, 16.6% of sales results are normal. As well as 46.6% there was an increase in working capital in micro businesses, 54.4% there was no increase in capital. 33.4% of businesses run developed 66.6% of businesses run normally, 36.0% the level of income increased 16.0% the level of business income did not increase, then from 64.0% the profit from business results increased 0.4% it was normal.Keywords: Financing, sharia, business

ANALISIS PELAYANAN & MANAJEMEN WISATA SYARIAH TERHADAP PENINGKATAN VOLUME PENGUNJUNG (Studi Di Penziarahan SMH Banten) Maskur Maskur
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 4 No 1 (2021): JUNI 2021
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v4i1.442

Wisata syariah atau religi sebagai kegiatan wisata ke tempat yang memiliki makna khusus bagi umat beragama, biasanya merupakan tempat beribadah, makam ulama atau situs - situs kuno yang memiliki kelebihan. Dalam wisata religi penziarahan Banten Lama di Kota Serang membuat daya tarik wisatawan untuk berkunjung baik hanya melihat bangunan bangunan berserarah atau pun sekedar ingin berziarah ke makam leluhur, oleh sebab itu masyarakat dari sektor informal melihat situasi dan memanfaatkannya untuk usaha guna memenuhi kebutuhan hidup dengan berjualan diarea wisata religi. Dalam membangun pariwisata yang halal atau pariwisata islami maka perlu adanya kebijakan-kebijakan yang harus diterapkan dan dijalankan supaya wisata islami dapat di bangun dengan baik sesuai ketentuan syariat Islam, baik mulai dari pelayanan serta manajmen supaya jumlah pengunjung meningkat. Perumusan masalah utama dari penelitian ini adalah bagaimana pengaruh pelayanan & manajemen wisata syariah terhadap peningkatan volume pengunjung (Studi di Penziarahan Smh Banten). Tujuan dari penelitian ini adalah untuk mengetahui bagaimana pengaruh pelayanan & manajemen wisata syariah terhadap peningkatan volume pengunjung (Studi di Penziarahan Smh Banten). Metode yang digunakan adalah metode deskriptif analitis dengan pendekatan kuantitatif, teknik pengumpulan data yang digunakan dengan observasi, wawancara, angket, studi dokumentasi, dan studi pustaka. Penelitian ini dilaksanakan di di Penziarahan Smh Bantendengan jumlah sampel 47 orang. Hasil penelitian ini, menunjukan bahwa data analisis variabel X1,X2 dan Y berdatakan reabelitas dan valid ditingkat kuesionernya. Berdasarkan analisis korelasi dengan menggunakan pearson product moment, diketahui bahwa terdapat korelasi yang cukup antara variabel yang ditunjukan dengan indeks korelasi rxy =0,46, korelasi ini berada pada posisi 0,40− 0,599 Tingkat Hubungan Sedang. pelayanan & manajemen wisata syariah secara bersama-sama berpengaruh terhadap peningkatan volume pengunjung (Studi di Penziarahan Smh Banten). Sedangkan angka R-Square 0,020 berarti varibael X1 dan X2 terhadap varibel Y sebesar 20%. Sedangkan sisanya 80% dijelaskan oleh faktor lain yang tidak dimasukan dalam penelitian ini.Key Word: Analisis Pelayanan & Manajemen Wisata Syariah Di Penziarahan SMH Banten

ANALISIS LITERASI KEUANGAN MAHASISWA PADA JURUSAN EKONOMI SYARIAH DI RANGKASBITUNG Maskur Maskur; Budiman Budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 4 No 2 (2021): DESEMBER 2021
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v4i2.534

ABSTRACTIn Indonesia, The practice of Islamic financial institutions was strengthened by the implementation of the banking law number 10 of 1998, and fatwa from Indonesian Council of Religious Scholars of bank rate prohibition. Islamic financial institutions must be accompanied by more comprehensive understanding of Islamic economics itself. In this case, the Islamic economic understanding not only be technical socialization, background and history but also moral and how they had to bring their selves in accordance with sharia (Ibnu Taimiyah). It must be work together between the government and scholars in guiding and encouraging the community in terms of life in accordance with Islamic law. Based on the background above, the researcher focused on what factors that affected students' understanding of finance. The objective in this research is describing the level of students’ financial literacy by gender, age, year in, GPA, place of residence, parental education level and income level of parents. This research conducted in Lebak with 86 respondents of economic syariah majoring, and using quantitative descriptive analysis method One Way Anova. It is used to compare the average (mean) more than two samples, hypotheses testing, to reject or accepted H0 based P-value if sig. <Α 0.05, H0 is rejected and if sig. > Α 0.05 then H0 is accepted. The lowest value was 4% and the highest is 60%.The lowest is the respondents were able answer only one question from 25 questions, and The highest are the respondents were able to answer 18 questions correctly (60%). It was found that the mean of respondents is 7.74% and standard deviation of financial literacy mean (average) is 3,071. It can be concluded that the answers of the respondents was varied. The level of students’ literacy rate is divided into three parts, the highest, medium, and the lowest literacy. Only one respondent get the highest level (4%), and one respondent get the medium level (4%), and the last 84 respondents get the lowest level (92%). So, it can be concluded that the students’ understanding of financial literacy is low, it was under <60%.Keywords: Gender, Age, Year In, GPA, Housing, Education Parents, And Income Parents, Financial Literacy.

ANALISIS STRATEGI PEMASARAN SYARI’AH TERHADAP TINGKAT PENJUALAN FASHION MUSLIM DI RANGKASBITUNG Maskur Maskur; budiman budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 5 No 1 (2022): JUNI 2022
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v5i1.665

The number of various Muslim clothing sales centers resulted in consumers being given many choices of product types. making it difficult to increase the number of customers in the existing market so that it affects the level of sales. An appropriate marketing strategy is needed to win the competition with similar businesses. This research is a research that aims to test whether the Islamic marketing strategy has an effect on the level of sales and how much the influence of the Islamic marketing strategy on the level of sales. This research is a quantitative method with 43 research respondents. The analytical method used is simple linear regression analysis, classical assumption test, with partial regression test (t-test) and coefficient of determination test (R2). Based on the results of the research conducted, there is a significant influence between the Islamic marketing strategy on the level of product sales. With a significance of 0.001 < 0.005 and the value of t: the value of Fcount 8.436 > Ftable 2.01954, it can be concluded that the Islamic marketing strategy variable has a significant effect on product sales. The magnitude of the influence of the Islamic marketing strategy on the level of product sales is 63.4%. It can be seen that the correlation value (R) is 0.797 with an output coefficient of determination of 0.634 or 0 < R2 (0.634) < 1, stating that the Islamic marketing strategy has an influence on sales levels of 63.4%.

RESELLER AND DROPSHIP ANALYSIS IN ONLINE BUSINESS ACCORDING TO SHARIA ECONOMIC PERSPECTIVE Maskur Maskur; Budiman budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 5 No 2 (2022): DESEMBER 2022
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v5i2.753

ABSTRACTThis research was conducted to obtain information about the mechanism of Online Business with the Dropshipping system by Dropshipper Natura World. The online business concept of this dropshipping system creates a new phenomenon where the seller (dropshipper) does not stock and own/see directly the goods to be traded, the dropshipper also does not deliver the goods, because the supplier of the goods will send the goods to the consumer under the name of the dropshipper as the sender, but consumers do not know this. In that business in Islamic economics is based on the basic principles/values of business ethics in Islam, namely honesty, justice, trustworthiness and so on. This type of research is descriptive qualitative research and the subjects used as sources in this research are Rangkasbitung World Members, Lebak Regency who sell online using a reseller and dropshipper system. Collecting data in this study using observation techniques, interview techniques (interviews), and documentation techniques. The research instruments used were observation instruments, and interview instruments. The results show that the online business mechanism using the reseller and dropshipper system carried out by Natura World members is not to distinguish between dropshippers and resellers, management only relies on the price or pricelist used for dropshippers / resellers. resellers carried out by Natura World members in accordance with the concept of business ethics in Islam where the goods being traded exist and the price of the goods is clear according to the agreement of the seller and buyer.Keywords: Online Business, Dropshipping, Dropshipper, Reseller, Supplier, IslamicEconom

Transaksi Online Terhadap Perubahan Pola Konsumsi Mahasiswa Menurut Perspektif Ekonomi Syariah Maskur Maskur; Budiman budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6 No 1 (2023): JUNI 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i1.897

With technological advances, it is possible to do activities easily and quickly, including online shopping. In Islam, all life has rules that become guidelines as well as in terms of muamalah, the basis of muamalah law is permissible as long as there is no evidence that forbids it. This research is an empirical research conducted in 2022 which aims to test the hypothesis of online transactions on consumption patterns and how much influence online transactions have on consumption patterns. The method used is quantitative method with technique Based on the results of the research conducted, it is stated that (1) There is no significant influence between Online Shopping on Student Consumption Patterns. This is based on the significance value of the coefficients table with a significance of 0.278> 0.05 and based on the Fcount value of 1.225 < Ftable 4.196 so it can be concluded that the Online Shopping variable (X) has no significant effect on Student Consumption Patterns (Y). (2) The magnitude of the influence of Online Shopping on Student Consumption Patterns is 4%. This can be seen from the correlation value of the relationship (R) which is 0.205 with the output of the coefficient of determination (R square) of 0.042 or 0.042 <1, which implies that the independent variable (Online Shopping) on the dependent variable (Student Consumption Patterns) is 4%.Keywords: Online Transactions, Consumption Patterns, Sharia Economics

Optimalisasi Ekonomi Kreatif Dalam Meningkatkan Kesejahteraan Masyarakat Menurut Perspektif Ekonomi Syariah Deden Hidayat; Maskur Maskur; Puri Rohmatulloh
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6 No 2 (2023): Desember 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i2.998

The creative economy is one of the new economic concepts that intensifies information and creativity as well as human resources (HR) as the most important factors of production. Products produced from the creative economy are products that have characteristics, are unique, and are different from others. Products from the creative economy can also be a development of existing products. The problems raised in this study are How to optimize the Creative Economy in Bojong Menteng Village, How Creative Economy activities in Bojong Menteng Village can improve people's welfare, What are the obstacles to Creative Economy in improving welfare. The purpose of the study was to find out how to optimize the creative economy in Bojong Menteng Village. To find out how creative economy activities in Bojong menteng village improve the welfare of the community. This research is a qualitative research with a case study approach that aims to determine the creative economy in the welfare of the people in Bojong Menteng Village, Leuwidamar District, Lebak Regency. Techniques for data collection, the data used is the method of observation, interviews, documentation. And literature study. The results of the study showed that optimizing the creative economy in the welfare of the people in Bojong Menteng Village developed quite well because it could provide job opportunities for the community's economy. After the creative economy has increased little by little and has changed, although not significantly, it has been able to improve the welfare of the community through employment opportunities so that it can improve people's welfare, and reduce the number of unemployed.Keyword : Creative economy, Community welfare

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