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Mudharabah Contract as Economic Strengthening in Indonesia (Literature Study on Islamic Financial Institutions and Community Economic Activities) Ibrahim, Elly; Akbar, Wahyu; Mujiburohman, Mujiburohman; Rahima, Dwira
AL-QARDH Vol 8 No 1 (2023): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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

Abstract

Mudharabah contracts are one of the most common Islamic finance partnerships. The mudharabah contract is currently widely used in Islamic financial institutions. However, in Indonesian society, especially in the context of local economic traditions and practices, it may not be as widely implemented as in formal Islamic financial institutions. This paper uses a type of normative research. However, it also applies a library research method that examines the literature, which is analyzed qualitatively using statutory, fiqh, and sociological approaches and Sharia economic contextual approaches in society. The main principle is that Islamic banking must be able to provide profit sharing to depositors of funds at least equal to or greater than the interest rates prevailing in conventional banks. Mudharaba contracts in financial institutions and society generally aim to achieve fairness, transparency, and sustainability in economic activities based on Islamic principles. The paper tries to find out how the concept of mudharbah contracts, both in financial institutions and in practice in society, is to ensure fairness regarding mudharabah contracts.
The urgency of digital literacy in social media to prevent fraud in Islamic banking Apriya, Susi; Akbar, Wahyu; Jaki, Akhmad
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 5 No 3 (2023)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v5i3.1118

Abstract

This study explores the use of social media to promote digital literacy and prevent Islamic banking fraud. The article argues that social media is a crucial space for people to access information and has an important role in disseminating information widely. These have not succeeded despite efforts to prevent Islamic banking fraud on social media. Reports from We Are Social, and the Ministry of Communication and Information (Kemenkominfo) indicate that the percentage of social media usage in Indonesia is high, and the number of fraud cases has also increased. To address this issue, social media can provide education and information on fraud prevention through various means, such as fraud material, forms or ways of fraud, and tips on avoiding fraud. Public interest statement Digital literacy has always been a significant problem. It has a significant role in overcoming problems in the era of Revolution 4.0. Meanwhile, social media has become the closest space for people to carry out their activities, including obtaining information. Therefore, digital literacy can be optimized on social media platforms to prevent current fraud, namely fraud with the type of social engineering in Islamic banking. Article history Received: 10/30/2023 | Revised: 12/11/2023 | Accepted: 12/30/2023 | Online First 12/31/2023
Struktur Biaya dan Pendapatan Usaha Ternak Ayam Ras Pedaging Pola Kemitraan di Provinsi Jambi Akbar, Wahyu; Hidayat, Nia Kurniawati; Sehabudin, Ujang
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.2118

Abstract

This research aims to determine the cost structure, revenue, income and R/C ratio of broiler chicken farming businesses. The analysis method used is quantitative (cost structure analysis, income, R/C ratio and difference test). The research results show that PT X shows better cost efficiency than PT Y, this is reflected in the higher R/C ratio. This indicates that PT X is able to manage production costs more effectively, through negotiating better prices for feed or using more efficient technology. PT X results of the difference test using the Mann Whitney Test show that the two companies have significantly different revenues. PT X and PT Y still have the potential to improve performance. PT Y can learn from PT X best practices in managing costs and increasing revenue.
Pandangan Ekonomi Syariah Atas Pengaruh Ekuitas Merek, Harga, Dan Distribusi Terhadap Trend Keputusan Pembelian Rokok Elektrik (Studi Pada Mahasiswa Di Kota Palangka Raya) Akbar, Wahyu; Wulansari, Septiana
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 2 No. 2 (2022): Jurnal Ekonomika dan Bisnis (JEBS)
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v2i1.124

Abstract

The purpose of this study was to determine the effect of brand equity, price, and distribution on purchasing trends, especially e-cigarettes among students, which was then reviewed from the perspective of Islamic economics. This research uses quantitative research. The population is students who use e-cigarettes with a sample of 233 respondents. The analysis technique used is normality test, linearity test, heteroscedasticity test, multiple linear regression test, product moment test, determinant coefficient (r2), simultaneous significant test (F test), partial significant test (T test). The analysis of this study uses the SPSS 16.0 application and also uses a contextual approach to Islamic economics and phenomenology. The results of this study indicate that what is obtained from the F test has a significant effect, which is 107.056. Partial t-test results on purchasing decisions have a significant effect, namely brand equity of 7,971, price of 5,304, distribution of 2,302. Based on the results of multiple regression analysis, the brand equity variable has a more dominant influence on purchasing decisions because the regression equation is 0.402. Islamic economics views the trend of purchasing decisions among students as there needs to be awareness of consumption that is oriented towards maslahah. The content of mashlahah consists of 2 things, namely the benefits and blessings that should exist in brand equity, price, and distribution.
Optimization of Sharia Banking Regulations in Developing the Halal Cosmetic Industry in Indonesia Akbar, Wahyu; Kurniawan, Rahmad; Dakhoir, Ahmad; Fahmi, Chairul
Jurnal Ilmiah Al-Syir'ah Vol 22, No 1 (2024)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v22i1.2611

Abstract

This paper examines the role of Islamic banking in developing the Indonesian halal cosmetics industry. The method used includes a qualitative descriptive study through exploratory studies on optimizing the role of Islamic banks in the development of the halal cosmetic industry. The data source uses primary and secondary data through data collection techniques from interviews to literature study. Then, data collection also involves the author's opinion regarding the research issue data analysis, which consists of data reduction, data presentation, conclusions, and verification. Challenges and opportunities in the halal cosmetics industry continue to experience increasingly significant developments that affect the growth and development of the halal cosmetics industry. Therefore, the synergy between Islamic banking institutions, the government, and even related institutions is undoubtedly needed. This needs to be implemented by Islamic banks to optimize regulations and roles in the development of the halal cosmetic industry. First is regulation, followed by the process of preservation and standardization of halal products. Second, the synergy of Sharia institutions for halal industry players can be achieved by providing financing funds, mentoring, and education. Third, the synergy of Islamic banks with educational institutions through inclusive awareness of the halal cosmetic industry in educational institutions.
Concepts and Implementation in Multiple Business Systems: Study in Village Unit Cooperatives, Pangkalan Tiga, Central Kalimantan Akbar, Wahyu; Frasetia, Anggi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.3221

Abstract

The study’s goal is to map out the complex commercial infrastructure of KUD Tani Subur, as well as to learn how the multi-business system in KUD Tani Fertile has affected the well-being of its members and the Pangkalan Tiga village community. This research uses a qualitative, descriptive methodology in the field. Cooperative leaders, cooperative members, and the residents of Pangkalan Tiga served as participants in this study. Selective sampling strategies for identifying study subjects. Sources of information for this study were interviews, observations, and written records. The data were examined descriptively, taking into account system theory and welfare in the framework of Sharia economics. This research leads us to the conclusion that KUD Tani Subur operates on an Islamic economic profit-sharing paradigm, in which 30% of business profits are used to fund the growth of KUD Tani Subur, and 70% are distributed among members, social funds, and other charitable organizations. Members and the surrounding community of Pangkalan Tiga village welfare monetarily and spiritually from the all-business structure.
Aplikasi Inventori Barang Berbasis Web Menggunakan PHP Pada M Mart: Web Based Goods Inventory Application Using PHP at M Mart Akbar, Wahyu; Naibaho, Julius Panda Putra; Sanglise, Marlinda
JISTECH: Journal of Information Science and Technology Vol 13 No 1 (2024): Volume 13 Nomor 1 Tahun 2024
Publisher : Universitas Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30862/jistech.v13i1.375

Abstract

The development of technology in this world is very rapid and has spread to various aspects of life. Technology also makes it very easy for us to make our work easier, one of which is managing stock at a place of business. M Mart is a business place or place to shop for daily necessities, food and drinks, as well as equipment commonly used for household needs, which still uses manual methods for managing and storing stock, incoming goods, outgoing goods. This is felt to be less effective and inefficient, because in the process of processing and storing data on stock of goods, incoming goods, outgoing goods, this will result in ineffectiveness in data processing and storage. To overcome this problem, the company needs a form of information system, namely a web-based inventory application that can help in carrying out the work of work units in managing and storing data, especially regarding stock of goods, incoming goods, outgoing goods.
Optimization of Elementary School Learning Processes through a Multi-Platform E-Learning System Akbar, Wahyu; Puji Sejati, Rr. Hajar
Journal of Scientific Research, Education, and Technology (JSRET) Vol. 4 No. 4 (2025): Vol. 4 No. 4 2025
Publisher : Kirana Publisher (KNPub)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/jsret.v4i4.961

Abstract

The transformation of digital learning requires an integrated platform that can effectively support academic processes at the elementary school level. This study aims to develop an integrated multi platform e learning system for SD Negeri Tengah 08 Jakarta to optimize the efficiency of academic management and the flexibility of learning access. The system was built using a RESTful API architecture with Golang as the backend, PostgreSQL as the database, React.js for the web interfaces (Teachers and Administrators), and Flutter for the mobile application (Students). Based on the system development method and Black Box Testing, the results show that the integration successfully enables real time data synchronization without technical issues. All functional features, including NISN based authentication, automated scheduling, material distribution, and interactive quiz evaluation, were validated successfully. This implementation significantly establishes a responsive digital learning ecosystem, streamlines teachers’ administrative workload, and enhances student engagement in flexible self directed learning, while strengthening the consistency of a structured, adaptive, and sustainable online learning process for all school stakeholders.
Digital Green Carbon Trading Integrating Local Wisdom And Islamic Economy For Sustainable Development In Central Kalimantan Akbar, Wahyu; Fahreza Setiawan, Rahmad; Fauzi Aseri, Akh; -, Muhaimin; Riza Hafizi, M.
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 2 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v10i2.5634

Abstract

This article discusses the potential of digital green carbon trading in Central Kalimantan based on local wisdom and Islamic economic principles. Carbon dioxide (CO₂) emissions remain the leading cause of global warming, primarily driven by industrial and human activities. The study highlights how integrating digital technology, such as blockchain-based carbon registries and online trading platforms, can enhance transparency, accountability, and community participation in carbon markets. By empowering Dayak communities through digital access to carbon credit trading, environmental protection becomes an inclusive economic opportunity. This research uses a descriptive-qualitative method with a literature-based approach involving references related to carbon trading, digital economy transformation, Dayak local culture, and Islamic economics. The findings reveal that combining digital innovation, local wisdom, and sharia-based economic values offers a sustainable model for managing natural resources. This synergy not only reduces carbon emissions but also promotes the economic welfare of forest-dependent communities and strengthens digital local economies aligned with Maqasid al-Shariah and the Sustainable Development Goals (SDGs).
Transformation Of Sustainable Islamic Fashion Business Integrating Circular And Islamic Economic Principles Aina, Nor; Akbar, Wahyu; Aufa, Naufatti; Cho Mar, Ma Tin
Journal of Islamic Economics Perspectives Vol. 7 (2025): Journal of Islamic Economics Perspectives - Special Issue: Islamic Economics in Motio
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/77wyzt14

Abstract

This study aims to examine in depth how the integration between the concepts of circular economy and Islamic economics can form a sustainable fashion business model, as well as make a real contribution to environmental preservation, social justice, and spiritual well-being. The background of this study is the environmental impact of the fast fashion industry and the need for responsible production-consumption patterns. Using a qualitative approach through a literature study of more than 60 references, the findings show the alignment between the 5R principles (Reduce, Reuse, Recycle, Repair, Recovery) in the circular economy with Islamic values such as justice, balance, and social welfare, which are in line with maqashid al-syariah. The research also highlights the role of technology in accelerating the transformation of the sustainable fashion industry as well as Indonesia's great potential to integrate Islamic values with circular practices, supported by a large Muslim population, growing awareness of sustainability, and policy support. However, challenges such as the lack of recycling infrastructure, low consumer literacy, and the absence of sharia standards for sustainability remain obstacles. This study contributes a holistic conceptual perspective by incorporating ecological and spiritual dimensions in the development of sustainable Islamic fashion businesses.