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All Journal Jurnal Ilmiah Mandala Education (JIME) Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Dinamika Ekonomi Syariah Jurnal Ekuilnomi An-Nisbah : Jurnal Perbankan Syariah J-ESA (Jurnal Ekonomi Syariah) Taroa : Jurnal Pengabdian Masyarakat JURNAL ECONOMINA SEWAGATI: Jurnal Pengabdian Kepada Masyarakat El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Media Hukum Indonesia (MHI) Journal of Excellence Humanities and Religiosity Journal of Ekonomics, Finance, and Management Studies Mu'amalatuna: Jurnal Ekonomi Syariah Currency Jurnal Teras Pengabdian Masyarakat International Journal of Social Sciences and Humanities
Sagaf, Umar
Universitas Muhammadiyah Bima
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Persepsi Masyarakat Desa Parado Rato Terhadap Penggunaan Akad Musyarakah dalam Pertanian Putri Miftahul Jannah; Ihwan P. Syamsudin; Umar Sagaf
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7701

Abstract

This study aims to determine the perception of the Parado Rato Village Community towards the use of the Musyarakah Agreement in the Agricultural sector. The Musyarakah Agreement is a form of cooperation in Islamic Economics that allows two or more parties to participate in capital and share profits based on an agreement. Although this agreement has great potential to be applied in the Agricultural sector, the application of this concept in rural communities has not been widely studied, especially in the context of trust, understanding, and acceptance. The research method used is a Qualitative Approach with Data Collection Techniques through in-depth interviews, Observation, and Documentation. Respondents consisted of Farmers, Religious Figures, and Village Leaders in Parado Rato who have experience in Agricultural activities. The results of the study show that Community Perception of the Musyarakah Agreement is influenced by factors of Education, understanding of Islamic Economics, and experience in business work. Most respondents showed a Positive attitude towards the use of this Agreement because it is in accordance with the principles of justice and mutual cooperation. However, there are obstacles in the form of limited understanding of the Musyarakah Agreement mechanism which often hinders its optimal implementation. Based on the analysis of the data obtained, the conclusion is that although the Parado Rato Village Community has a positive perception of the use of the Musyarakah Agreement, further socialization and education are needed to improve understanding and application of this Agreement in the Agricultural sector.
Penanaman Bibit Buah Lokal Untuk Konservasi Lingkungan Dan Dukungan Kesehatan Masyarakat Di Desa Kaboro, Kecamatan Lambitu, Kabupaten Bima Noris, M; Ma'arij, Aman; Sagaf, Umar; Salsabiila; Fikriansyah, Rizki; Fathurrahman; Galang Wangsa, Ananda; Juraidin; Hairunnisah
Journal of Excellence Humanities and Religiosity Vol. 3 No. 1 (2026): Januari (2026)
Publisher : Journal of Excellence Humanities and Religiosity

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34304/joehr.v3i1.435

Abstract

Penanaman bibit buah lokal merupakan salah satu upaya konservasi lingkungan sekaligus peningkatan kesehatan masyarakat di wilayah desa. Metode yang digunakan dalam penelitian ini adalah distribusi dan penanaman bibit buah naga, sukun, sawo, dan sirsak secara partisipatif di pekarangan warga desa Kaboro, Kecamatan Lambitu, Kabupaten Bima, dengan dukungan kolaborasi bersama pemuda setempat. Tujuan dari kegiatan ini adalah untuk memperbanyak keanekaragaman tanaman, mendukung ketahanan pangan, serta meningkatkan manfaat kesehatan masyarakat. Hasil dari kegiatan menunjukkan keberhasilan distribusi dan penanaman bibit, serta potensi manfaat ekologis dan kesehatan dari tanaman buah lokal tersebut. Kesimpulan dari Pengabdian Kepada Masyarakat ini adalah bahwa kegiatan penanaman bibit buah lokal secara partisipatif dapat mendukung konservasi lingkungan, meningkatkan kesehatan masyarakat, dan memperkuat ketahanan pangan di desa kaboro.
ANALISIS PENGARUH SENTIMEN EKONOMI TERHADAP PERGERAKAN HARGA SAHAM DI BURSA EFEK INDONESIA Rafiuddin, Rafiuddin; Syafriadin, Muhammad Fajar; Sagaf, Umar; Husniah, Dina; Ibrahim, Ibrahim
J-ESA (Jurnal Ekonomi Syariah) Vol 8 No 2 (2025): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v8i2.5593

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sentimen ekonomi terhadap pergerakan harga saham di Bursa Efek Indonesia, dengan mempertimbangkan faktor-faktor seperti inflasi, suku bunga, nilai tukar, aksi korporasi, dan sentimen berita. Penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi linier berganda, berdasarkan data sekunder yang diperoleh dari Bursa Efek Indonesia, Bank Indonesia, dan Badan Pusat Statistik untuk periode 2022–2024. Sampel terdiri dari saham-saham yang tergabung dalam indeks IDX30. Hasil analisis menunjukkan bahwa secara simultan, seluruh variabel independen berpengaruh signifikan terhadap harga saham (F = 25,100; sig = 0,000), meskipun secara parsial tidak ada variabel yang signifikan pada tingkat signifikansi 5%. Selain itu, nilai tukar dan suku bunga menunjukkan korelasi positif yang sangat kuat, sementara inflasi berkorelasi negatif kuat terhadap harga saham. Hasil ini sejalan dengan teori makroekonomi dan teori pasar efisien, yang menegaskan bahwa faktor-faktor ekonomi makro dan aksi korporasi memiliki kontribusi terhadap dinamika harga saham. Penelitian ini diharapkan dapat menjadi referensi bagi investor dan pemangku kepentingan dalam mengambil keputusan investasi yang berbasis analisis ekonomi yang komprehensif
Peran Lembaga Keuangan Syariah dalam Mendukung Kemandirian Ekonomi Masyarakat Desa: Studi Kasus Desa Sila Rato Kecematan Bolo Kabupaten Bima Sahrul; Umar Sagaf; Ibrahim
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7611

Abstract

Rural communities have a desire to live a decent life, so they make efforts to advance the businesses they run to achieve these goals. Where in the process of advancing the business is not always smooth. It is not uncommon for people to need an injection of funds to finance their business. Islamic financial institutions are present in rural communities, especially in Sila Rato Village to help finance business activities run by the community. Therefore, the purpose of this research is to find out the role of Islamic financial institutions in supporting the economic independence of the community, especially in Sila Rato village. The type of research is qualitative research. Then the data collection techniques used are observation, interview and documentation. The research location is Rato Sila Village, Bima Regency, West Nusa Tenggara. Data analysis techniques use data reduction, data presentation and conclusion drawing. Based on the results of the study, Islamic financial institutions have played a significant role in encouraging the economic independence of the Sila Rato Village community by providing financial resources that can be accessed easily and in accordance with sharia. The existence of these institutions not only improves economic welfare, but also strengthens social ties and solidarity among community members through financing based on the principles of mutual cooperation and risk sharing. Thus, Islamic financial institutions have a positive impact on the community.
Efektifitas Pengelolaan Dana Zakat pada Program Pendidikan di Bazna Kota Bima Mujnah; Umar Sagaf; Muh Yunan Putra
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7652

Abstract

This study aims to determine the effectiveness of zakat fund management in education programs run by BAZNAS Kota Bima. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation. The results of the study indicate that zakat fund management in education programs has been implemented effectively through systematic planning, transparent implementation, and continuous monitoring and evaluation. Education programs include scholarships, school supplies assistance, and skills training. Although there are several obstacles such as limited funds and a less than optimal mustahik data system, BAZNAS Kota Bima is able to overcome them with innovation and cross-sector collaboration.
Pengaruh Kualitas Produk dan Harga Terhadap Minat Beli Pelanggan di Toko Outdoormu Kota Bima Nurul Inayah; Umar Sagaf; Dinah Husniah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7694

Abstract

This study aims to analyze the effect of product quality and price on consumer purchase intention at outdoorMU Store in Bima City. The background of this research is based on the growing trend of outdoor activities, which drives the expansion of the outdoor gear industry, particularly in Bima, an area with great natural tourism potential. The research employed an associative quantitative approach with purposive sampling involving 68 respondents. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS 25. The results show that both product quality and price have a positive and significant effect on consumers’ purchase intention, both partially and simultaneously. These findings offer strategic implications for store management to continuously improve product quality and set competitive prices to maintain customer loyalty in an increasingly competitive market.
Persepsi Masyarakat Desa Parado Rato Terhadap Penggunaan Akad Musyarakah dalam Pertanian Putri Miftahul Jannah; Ihwan P. Syamsudin; Umar Sagaf
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): 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.v6i5.7701

Abstract

This study aims to determine the perception of the Parado Rato Village Community towards the use of the Musyarakah Agreement in the Agricultural sector. The Musyarakah Agreement is a form of cooperation in Islamic Economics that allows two or more parties to participate in capital and share profits based on an agreement. Although this agreement has great potential to be applied in the Agricultural sector, the application of this concept in rural communities has not been widely studied, especially in the context of trust, understanding, and acceptance. The research method used is a Qualitative Approach with Data Collection Techniques through in-depth interviews, Observation, and Documentation. Respondents consisted of Farmers, Religious Figures, and Village Leaders in Parado Rato who have experience in Agricultural activities. The results of the study show that Community Perception of the Musyarakah Agreement is influenced by factors of Education, understanding of Islamic Economics, and experience in business work. Most respondents showed a Positive attitude towards the use of this Agreement because it is in accordance with the principles of justice and mutual cooperation. However, there are obstacles in the form of limited understanding of the Musyarakah Agreement mechanism which often hinders its optimal implementation. Based on the analysis of the data obtained, the conclusion is that although the Parado Rato Village Community has a positive perception of the use of the Musyarakah Agreement, further socialization and education are needed to improve understanding and application of this Agreement in the Agricultural sector.
Analisis Etika Bisnis Islam dalam Kinerja Pedagang Bakso di Kecamatan Belo Rosdiana; Umar Sagaf; Syarif Hidayatullah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): 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.v6i6.7796

Abstract

This study aims to examine the application of Islamic ethics in meatball stall businesses in the Belo District. The business actors referred to in this research are members of the independent meatball stall business group in the Belo District. This is field research using a qualitative approach with a case study strategy. Data collection techniques include observation, interviews, and direct documentation of the relevant subjects. Data validity was ensured through triangulation. The research findings reveal five principles of Islamic business ethics applied in the meatball stalls in the Belo District. First is the principle of tawhid (unity), in which the quality of the offered products is prioritized, and no prohibited (haram) items are used. Second is the principle of balance, ensuring that the prices offered reflect the actual quality and value of the food being sold. Third, the principle of free will is upheld, promoting transparency and the absence of coercion, while allowing customers the freedom to choose from a variety of meatball menu variations at uniform prices, and allowing employees to propose the most popular menu items. Fourth is the principle of responsibility, ensuring excellent service quality, transparent pricing, and responsible waste management. Fifth is the principle of benevolence, guaranteeing fair and adequate support for all customers and transparency in the ordering and payment processes. The conclusion of this research is that meatball stalls in the Belo District have implemented Islamic principles of buying and selling, both in food processing and service delivery, based on Islamic business ethics.
Implementasi Digital Marketing Sebagai Strategi Pemasaran Guna Meningkatkan Daya Saing UMKM Fashion di Sila Perspektif Ekonomi Islam M. Dandi Delas Putra; Umar Sagaf; Jainuddin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): 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.v6i6.7858

Abstract

The number of MSME players who market their products using traditional methods and MSME players in sila are still lacking in integrating Islamic economic principles in implementing digital marketing such as honesty, social justice, and gharar in online transactions which make it difficult for MSME players to reach a wider market. So this research aims to find out the Implementation of Digital Marketing as a Marketing Strategy to Increase the Competitiveness of Fashion MSMEs in Sila Islamic Economic Perspective. This research will be conducted in Sila, Bima Regency, West Nusa Tenggara. This research uses Qualitative Research with a Descriptive Approach. Data Collection Techniques are Observation, Interview and Documentation. Data Analysis Techniques are Data Reduction, Data Presentation and Conclusion Drawing. Based on the results of this study, Digital marketing has proven to be an effective tool to increase the competitiveness of fashion MSMEs in Sila, both in terms of increasing sales, brand awareness, and market reach.
Implementasi Etika Bisnis Islam dalam Meningkatan Penjualan Thrifting di Pasar Amahami Kota Bima Rangga Dzikrul Rabbani; Ichwan P. Syamsuddin; Umar Sagaf
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): 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.v6i10.9238

Abstract

This research was conducted to find out how the implementation o Islamic business ethics can contribute to the increase in thrifting sale in Amahami Market, Bima City and what are the challenges faced b thrifting traders in implementing Islamic business ethics in Amaham Market, as well as the solutions offered. This research also use descriptive qualitative research methods with observation, interview and documentation of 15 sellers and buyers of thrifting goods in th amahami market of bima city. The results of this study indicate tha the application of Islamic business ethics in Amahami Market i proven to be able to increase consumer confidence in thrifting traders This trust arises because traders carry out honest and transparen business practices, are committed to the quality of goods and pric fairness, behave fairly and serve kindly, and have social care However, the application faces several challenges including the lac of a comprehensive understanding of Islamic Business Ethics, unfai competition between merchants, limited resources and access t training, and the challenges of local culture and traditions. In line wit these challenges, it also offers solutions to overcome them, namely b Increasing the Understanding and Awareness of Traders, providin Consumer Education and Increasing the Role of the Community, a well as the Establishment of Community-Based Market Supervisor Institutions
Co-Authors Abdul Haris Abdul Haris Abdul Haris, Abdul Haris abdul harits17 Adnan Adnan Agussalam Ahmad A Ahmad Ahmad Ahmadin Ahmadin Al Maulud Aminullah Annisah, Annisah Aris Iwansyah Ariyansyah Arrijal, Arrijal Chandra Wisnu Nugroho Darmin Darmin Darmin, Darmin Dea Zara Avila Dina Husniah Dinah Husniah Dinah Husniah Dinah Husniah Dinah Husniah (Universitas Muhammadiyah Bima) erham, erham Fathurrahman Ferdiansyah Ferdiansyah Ferdiansyah Ferdiansyah Fikriansyah, Rizki Firdaus, Taman Galang Wangsa, Ananda Gita Sulastri (Universitas Muhammadiyah Bima) Gufran, Gufran Gunawan Gunawan Hadijah Haerudin Haerudin Hairunnisah Husniah, Dina Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ichwan P. Syamsuddin Ihwan P Syamsudin Ihwan P. Syamsudin Ihwan P. Syamsudin Ilham Imaduddin, M Asad Imaduddin, Muhammad Asad Ismail Ismail Ismail Ismail J, Jufrin Jainuddin H. Tajudin JAWARIAH ria Juhriati Juhriati Juhriati, Juhriati Juraidin Kaharuddin Kaharuddin Khairuddin, Kaharuddin Leonard Maramis M Rizkan M. Dandi Delas Putra M. Nazir M. Noris Ma'arij, Aman Mastorat Mastorat Mastorat Muh Yunan Putra Muh. Yunan Putra Muh. Yunan Putra Muhamad Amin Muhamad Amin Muhammad Fajar Syafriadin Muhammad Rasyad Al Fajar Muhammad Yunan Putra Muhammad Zia Ulhaq Muhammad Zia Ulhaq Mujnah Mulmansyah N, Nasrullah Na'imah Na'imah Nasaruddin Nasaruddin Nasaruddin Nasaruddin Nasrullah Nasrullah Nirwana Setiawati Nur Husnul Khatimah Nur Wahyu Nurul Inayah Putri Miftahul Jannah Rafiuddin Rafiuddin Rafiuddin, Rafiuddin Rahmatan Setiadin Ramadhan, Sahrul Rangga Dzikrul Rabbani ria, JAWARIAH Rizky Amelia Rizky Amelia Rizqi Illahi Rosdiana RR. Ella Evrita Hestiandari Sahrul Salsabiila Sarman Siti Asmah Sri Apriani Sri Wahyunti Suci Surianah Sukirman Sukirman Syafriadin, Muhammad Fajar Syafruddin Syafruddin Syafruddin Syafruddin Syafruddin Syahrul Ramadhan Syarif Hidayatullah Syarif Hidayatullah Taman Firdaus Ulhaq, Muhammad Zia Wahyudinsyah Wahyunti, Sri Waliyudin Waliyudin