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All Journal Jurnal Ilmiah Ekonomi Islam Al Tijarah Economica: Jurnal Ekonomi Islam Indikator: Jurnal Ilmiah Manajemen & Bisnis Indonesian Journal of Islamic Economics and Business International Journal of Economics (IJEC) Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir Jurnal Indonesia Sosial Sains Bukhori: Kajian Ekonomi dan Keuangan Islam The Economic Review of Pesantren
Ali, Zulkarnain Muhammad
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Religion Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Energy Environmental Science Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences Other

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Astronomy in The Quran: Comparative Study of Geocentric and Heliocentric Ali, Zulkarnain Muhammad; Musfiroh , Eneng
Darul Hikmah: Jurnal Penelitian Tafsir dan Hadits Vol 10 No 2 (2024): Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir
Publisher : Sekolah Tinggi Ilmu Ushuluddin (STIU) Darul Hikmah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61086/jstiudh.v10i2.74

Abstract

The study of the Qur'an has evolved significantly from the time of the Prophet Muhammad ﷺ to the present, reflecting its timeless relevance and emphasis on knowledge, including astronomy. The Qur'an contains numerous verses referencing celestial phenomena, encouraging reflection on the cosmos as a sign of Allah’s greatness and wisdom. This research explores Islamic perspectives on geocentrism and heliocentrism by analyzing Qur'anic verses related to astronomy. It investigates whether the Qur'an implies an Earth-centered universe (geocentrism) or aligns with the heliocentric model, which places the sun at the center. The study uses philosophical, scientific (`ilmy), and literary (adabi) approaches to examine the interpretations of scholars such as Fakhruddin Al-Razi, Musthafa Al-Maraghi, and others. Findings show a diversity of scholarly opinions, shaped by the scientific knowledge available during their respective eras. Some verses appear to support a geocentric view, while others resonate with heliocentric ideas. This variation underscores how Qur'anic interpretation evolves alongside scientific advancement, reflecting the dynamic interplay between revelation and reason in Islamic thought. The study emphasizes the Qur'an’s role in encouraging inquiry and its continued relevance in bridging religious teachings with modern science. It highlights the need for ongoing scholarly engagement to deepen understanding of both the Qur'an and the natural world.
Empowering Muslim Women Micro, Small, and Medium Enterprises (MSMEs) Owners through Working Capital Loan (KUR) Fitriah, Fitriah; Nurrachmi, Rininta; Ali, Zulkarnain Muhammad
Indikator: Jurnal Ilmiah Manajemen dan Bisnis Vol 8, No 3 (2024)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/indikator.v8i3.28191

Abstract

Background – Financing has been very helpful for women entrepreneurs. Not only it increases income and creates work opportunities, but also eradicates poverty and empowers women financially, socially, psychologically, and politically. Since 2007, Indonesia has provided working capital loan (kredit usaha rakyat or KUR) to assist MSMEs to access finance.Objective - This study aims to analyze the attitude of Muslim women MSMEs owners toward KUR by using Theory of Planned Behavior (TPB).Research Method – The method of data analysis used in this research is Structural Equation Modelling (SEM). Sample of research employed in this study is 100 (one hundred) Muslim women entrepreneurs in food and beverages sector. The data applied in this research is primary data obtained from online and offline survey in Jakarta area.Findings – It is found that the perception of credit ease and service quality influencing the attitude toward KUR application. Meanwhile personal value does not influence the attitude toward KUR application.Practical Implications – The government should put more effort to educate MSME owners to register their business and to produce financial reports and KUR distributors, especially Sharia-compliant KUR, must enhance their service quality to attract more female debtors.   
The Influence of Islamic Financial Planning in Buying Life Insurance Ardhina, Aried; Ali, Zulkarnain Muhammad; Indra, Indra
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.824

Abstract

In Indonesia there is still a big opportunity to develop the sharia industry in Indonesia, especially sharia life insurance. This is based on the penetration rate of life insurance in Indonesia in 2018 only reaching 1.3%, which shows a decrease from the previous year which was 1.4%. Therefore a strategy is needed to increase the penetration of sharia insurance through research on the factors that influence a person's interest in participating in sharia life insurance. This study aims to examine the effect of financial literacy, Islamic life insurance knowledge, Islamic financial planning, and financial behavior on interest in participating in Islamic life insurance. This research is a quantitative research. Primary data was obtained through a survey that obtained 140 respondents aged over 17 years and domiciled in the city of Bogor. The analysis uses the Partial Least Square Structural Equation Modeling (PLS-SEM) method with SmartPLS software. The results of this study indicate that the variable knowledge of sharia life insurance and sharia financial planning has a significant effect on interest in participating in sharia life insurance. On the other hand, the variables of financial literacy and financial behavior do not significantly influence interest in participating in sharia life insurance.
Performance Evaluation of Sharia Rural Banks: Maqashid Shariah Index Approach (Case Study: Sharia Rural Banks In West Java, Indonesia) Tarmizi, Erwandi; Rachmad, Dedy; Ali, Zulkarnain Muhammad; Maulida, Syahdatul
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.916

Abstract

This study aims to measure the performance of Sharia Rural Banks in West Java using the maqashid sharia approach by Abdul Majid Najjar. The sample used in this study consists of 9 rural banks spread across West Java. The research data employed are secondary data in the form of financial reports for the year 2023 sourced from the Indonesia Financial Services Authority (OJK) website and governance reports for the year 2023 sourced from the official websites of each Sharia Rural Banks. The results of the study indicate that BPRS Al Salaam Amal Salman achieved the highest maqashid sharia score, followed by BPRS PNM Mentari and BPRS Almadinah Tasikmalaya Perseroda as the top three Sharia Rural Banks in West Java with the highest maqashid sharia index scores. Further analysis at the consequence level reveals that "Self" is the consequence with the highest average score compared to other consequences. Meanwhile, the consequence "Intellect" shows the lowest maqashid performance score. This study is expected to serve as a foundation for sharia banks to enhance the implementation of sharia values in their operational practices. Additionally, this study can contribute to a deeper understanding of the compliance of sharia financial institutions with the principles of maqashid sharia at the regional level.
The Influence of Macroeconomic Indicators on Non-Performing Financing in Islamic Banking Using Mudharabah, Musharakah, and Murabahah Contracts Syarif, Fandi Achmad; Ismail, Rifki; Ali, Zulkarnain Muhammad
Jurnal Indonesia Sosial Sains Vol. 6 No. 1 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i1.1590

Abstract

This research aims to analyze the influence of macroeconomic indicators on non-performing financing in Islamic banking with Mudharabah, Musyarakah, and Murabahah contracts. This research uses a quantitative approach with the VAR/VECM method. The research data covers the years 2015 - 2018 and includes all Islamic banks in Indonesia. The research results indicate that the macroeconomic indicators that influence and determine non-performing financing, based on Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) tests, are as follows: for Mudharabah financing, Inflation, Industrial Production Index, and Exchange Rate according to IRF, and Inflation and Exchange Rate according to FEVD; for Musyarakah financing, Money Supply according to IRF, and Inflation according to FEVD; and for Murabahah financing, Inflation and Money Supply according to IRF, and Industrial Production Index, Exchange Rate, and Money Supply according to FEVD.
Co-Authors Achmad Firdaus Achmad Firdaus Adamin, Muhammad Afif Zaerofi Annisa Agelina, Annisa Ardhina, Aried Fitriah Fitriah Ifan Fardian Indra Indra Ismail, Rifki Khalifah Muhamad Ali Maulida, Syahdatul Miftahul Jannah Musfiroh , Eneng Nurrachmi, Rininta Rachmad, Dedy Sadili, Ujang Salina Kassim Syarif, Fandi Achmad Tarmizi, Erwandi Zaenal, M. Hasbi