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All Journal INFERENSI Islamic Ecomonics Journal Episteme: Jurnal Pengembangan Ilmu Keislaman An-Nisbah: Jurnal Ekonomi Syariah Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah JURNAL PENDIDIKAN TAMBUSAI Ekono Insentif Shirkah: Journal of Economics and Business Nizham Journal of Islamic Studies Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Adzkiya : Jurnal Hukum dan Ekonomi Syariah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Jurnal Bimas Islam Bertuah : Jurnal Syariah dan Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Indonesian Journal of Islamic Economics and Business EKSYA: Jurnal Ekonomi Syariah Jurnal Riset Manajemen dan Akuntansi (JURIMA) Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi el-Jizya: Jurnal Ekonomi Islam Legal Protection for the Partnership Agreement Parties ADILLA: Jurnal Ilmiah Ekonomi Syari'ah ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar International Journal of Community Service (IJCS) Journal of Student Research Journal of Artificial Intelligence and Digital Business Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Innovative: Journal Of Social Science Research Jurnal Riset Akuntansi Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Jurnal Kajian Dan Penalaran Ilmu Manajemen Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Ekonomi dan Manajemen Akuntansi: Jurnal Riset Ilmu Akuntansi Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi JIMEB: Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis Kajian Ekonomi dan Akuntansi Terapan Jurnal Inovasi Ekonomi Syariah dan Akuntansi Epistemé: Jurnal Pengembangan Ilmu Keislaman An-Nisbah: Jurnal Ekonomi Syariah Margin : Journal of Islamic Banking Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Bisnis, Ekonomi Syariah dan Pajak Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Manajemen, Bisnis dan Kewirausahaan ICONS Jurnal Riset dan Inovasi Manajemen BISNIS : Jurnal Bisnis dan Manajemen Islam
Eja Armaz Hardi
UIN Sulthan Thaha Saifuddin Jambi
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Urgensi Tawakal Dalam Ekonomi Islam Eja Armaz Hardi
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 2 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v7i2.2184

Abstract

AbstractIn searching the origin of the word tawakal 38 times were repeated. 21 personal tawakal words, 11 mentioned that tawakal people are believers, 4 times the appeal for tawakal in general and 2 times the word is interpreted by delegation. Tawakal is one way to maintain good relations between the servant and Allah SWT. This vertical relationship must go hand in hand with the muamalah insaniyah relationship. In Islam, Muslims must uphold the values of trust in Allah. Because in every human activity is the result of efforts made and the intervention of Allah SWT. Then the mention of trusts 38 times. The concept of trust in the Koran is a personal activity of a servant to Allah. With many individuals trusting will form a community of faith. Meanwhile, in the context of Islamic economics, trustees will form a healthy, honest and clean market mechanism. Tawakal is also called upon to humans in general and tawakal can also be interpreted as a form of delegation of activities from one person to another.AbstrakPada penelurusan asal kata tawakal ditemui sebanyak 38 kali pengulangan. 21 kata tawakal yang bersifat personal, 11 disebutkan bahwa orang tawakal adalah orang yang beriman, 4 kali seruan untuk tawakal secara umum dan 2 kali kata tersebut dimaknai dengan delegasi. Tawakal merupakan satu dari cara untuk menjaga hubungan baik antara hamba dan Allah SWT. Hubungan vertikal ini harus beriringan dengan hubungan muamalah insaniyah. Dalam Islam, muslim harus menjunjung nilai-nilai tawakal kepada Allah. Karena dalam setiap aktifitas manusia merupakan hasil dari upaya yang dilakukan serta campur tangan Allah SWT. Kemudian penyebutan tawakal 38 kali. Konsep tawakal dalam al-Quran merupakan aktifitas personal seorang hamba kepada Allah. Dengan banyaknya individu bertawakal akan membentuk masyarakat beriman.Sedangkan dalam konteks ekonomi Islam pelaku tawakal akan membentuk mekanisme pasar yang sehat, jujur dan bersih. Tawakal juga diserukan kepada manusia secara umum dan tawakal dapat dimaknai juga sebagai bentuk delegasi kegiatan dari seseorang ke orang lain.
DAYA TAHAN BAITUL MAL WAT TAMWIL DALAM ARUS REVOLUSI INDUSTRI 4.0 Eja Armaz Hardi
Ekono Insentif Vol 14 No 2 (2020): Ekono Insentif
Publisher : Lembaga Layanan Pendidikan Tinggi Wilayah IV

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36787/jei.v14i2.218

Abstract

Abstrak - Artikel ini bertujuan untuk menganalisa ketahanan Baitul Mal wat Tamwil (BMT) di dalam arus revolusi industri 4.0 pada bidang financial technology (fintech). BMT merupakan salah satu Lembaga Keuangan Mikro Syariah (LKMS) di Indonesia yang memiliki segmentasi konsumen spesifik yaitu masyarakat low-middle income dan tidak memiliki akses kepada perbankan (unbankable). BMT terbukti memiliki peran signifikan dalam membantu mengurangi tingkat kemiskinan di Indonesia dengan program pemberdayaan yang dimilikinya. Di saat bersamaan, proses manajemen yang berlaku pada BMT masih relatif berbelit dan panjang, seperti pendampingan pra-pembiayaan, proses pembiayaan dan pasca pembiayaan. Akan tetapi, satu dekade terakhir, perkembangan teknologi finansial (fintech) melakukan inovasi yang signifikan dalam bidang industri keuangan. Salah satu signifikansi dari inovasi fintech adalah mendistrupsi atau memotong jalur panjang administrasi yang berlaku selama di lembaga keuangan. Di samping itu ia juga menawarkan kecepatan, mobilitas dan akurasi proses transaksi keuangan masyarakat. Dengan menggunakan analisis deskriptif kualitatif, artikel ini menemukan bahwa, walaupun fintech menawarkan inovasi yang distrubtif dalam transaksi keuangan saat ini, BMT cenderung akan tetap bertahan dengan distingsi dan segmentasi yang dimilikinya. Akan tetapi, resistensi tersebut menjadi berbeda ketika penduduk Indonesia yang berusia di atas 65 tahun saat ini disubstitusi oleh generasi milenial pada tahun 2035. Oleh karena itu, artikel ini merekomendasikan bahwa untuk menghindari penurunan peran dalam membantu masyarakat menengah ke bawah dalam hal finansial, BMT harus menyesuaikan diri dengan melakukan inovasi, integrasi, interkoneksi dengan perusahaan fintech. Abstract - This article aims to analyze the resilience of the Baitul Mal wat Tamwil (BMT) in the era of industrial revolution 4.0 in the field of financial technology (fin-tech). BMT is one of the Sharia Microfinance Institutions (LKMS) in Indonesia has specific consumer segmentation, namely low-middle income people and no access to banks (un-bankable). BMT has proven to have a significant role in helping to reduce poverty levels in Indonesia with its empowerment program. At the same time, the management processes that apply to BMTs are still relatively complicated and long, such as pre-financing assistance, financing processes and post-financing. However, in the last decade, the development of fin-tech has made significant innovations in the financial industry. One significance of fin-tech innovation is the distribution or cutting of the long administrative path that applies while at a financial institution. In addition, he also offers the speed, mobility and accuracy of the public financial transaction process. Using a qualitative descriptive analysis, this article finds that, although fin-tech offers constructive innovation in current financial transactions, BMTs will tend to survive with their distinction and segmentation. However, this resistance becomes different when the Indonesian population aged over 65 years would substituted by millennial generation in 2035. Therefore, this article recommends that in order to avoid reducing its role in helping the middle to lower financially, the BMT must adjust to innovation, integration, interconnection with fin-tech companies.
The Debt Status of Commercial Company under Gharimin Perspective Eja Armaz Hardi; Sirajul Arifin; Burhan Djamaluddin
Shirkah: Journal of Economics and Business Vol. 6 No. 1 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (525.996 KB) | DOI: 10.22515/shirkah.v6i1.388

Abstract

Currently, commercial entity companies are not regarded yet as one of the groups that receive the zakat. This paper examines the debt status and its micro and macro-economic implications of corporations that experienced the debt shackled in the zakat system through analogy on personal gharim (person in the burden debt). The analysis presented here has been designed on a library research, an analogy method, as well as seen from a debt trap theory. This paper particularly argues that in the twist condition of enterprises to repay their debt, a commercial company may be entitled as the recipient of zakat on behalf of gharim (the fifth group who receives the zakat). It further argues that the loan of the commercial company has a larger impact than individual gharim. Synchronizing the entity companies as “syakhsun i’tibariyun” (the legal person) to the personal obligation to pay zakat is matched to be the reasons for their gharim’s status. The results of this paper contribute to expanding the recipient of zakat on behalf of gharim and enhance the insight of zakat distribution in Islamic philanthropy institutions.
ETIKA PRODUKSI ISLAMI: MASLAHAH DAN MAKSIMALISASI KEUNTUNGAN Eja Armaz Hardi
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 1 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (451.173 KB)

Abstract

This article explores the comparative concept of profit maximization and mas}lah}ah in the process of forming the final price in the production cycle. In conventional economics, profits can be formed through various market models faced by producers to achieve maximum profits. on the other hand, Islamic economics views that producer profits must contain Islamic values. This value is reflected in the production goals, which must contain mas}lah}ah and uphold the ethics and norms of consumers and producers. The ultimate goal of mas}lah}ah is a manifestation of maqasid sharia which is to achieve world happiness and the hereafter (fala<h}). In order to answer the anxiety above in the sections of this article discuss some topics related to profit maximization. In the first part of this article discussed the ethical issues of producers and their relation to religion. Then the theory of production, production goals, price theory, and profits, then all the discussion in this article will compare the Islamic perspective and conventional perspective in detail. At the end of this article see a review of Maqasid Sharia and mas}lah}ah of production. This article finds that production activities in the conventional and economic context of Islam must pass synergy in several aspects. In order to achieve the establishment of production theory, Islamic ethical values ​​must contribute to the maximization of profits in production activities. The concept of mas}lah}ah on the theory of Islamic production has values ​​which include: baraka; mas}lah}ah, and; fala<h}. Such values ​​must go hand in hand with conventional production theories.
PENGARUH AKUNTABILITAS DAN TRANSPARANSI PELAPORAN KEUANGAN TERHADAP KEPERCAYAAN MUZAKKI (STUDI KASUS PENGELOLAAN, FILANTROPI BADAN AMIL ZAKAT BMH KOTA JAMBI) Nuri Alam Siregar; Eja Armaz Hardi; Marissa Putriana
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1130

Abstract

The research in this writing aims to discuss the effect of accountability and transparency of financial reporting on muzakki's trust in the Baitul Mal Hidayatulloh case study, in writing using quantitative research methods according to Sarmanu (2017) this method is to test the truth or falsity of a theory, to collect and analyze data by going through steps such as; observation, interviews, questionnaires and documentation. then the data collected is tested data. the results of this study indicate that; (1) the transparency of financial reports has a significant effect on the muzakki's trust in paying zakat in baitul maal Hidayatulloh. (2) accountability and transparency of financial reports together have an influence on the muzakki's trust in paying zakat in baitu maal hidayatullah. (3) financial openness a Social institutions are a must in this digital world, both in the form of print out laboratories or reports on the web and other digital media, because it creates strong confidence for benefactors that funds are properly managed.
MUSLIM YOUTH AND PHILANTROPHIC ACTIVISM Eja Armaz Hardi
Epistemé: Jurnal Pengembangan Ilmu Keislaman Vol 16 No 01 (2021)
Publisher : Sayyid Ali Rahmatullah Tulungagung State Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/epis.2021.16.01.15-29

Abstract

Since the last two decades, charity movements have been flourishing in Indonesian Islamic landscape. These organisations are involving not only state sponsored organizations, but also non-government associations and professional industries. This article exclusively discusses the youth-based charity movements in two important Islamic universities in Indonesia and tries to offer a new glance of youth charity movement as to which their movement relates to the issue of identity and social welfare. The article uses a qualitative method through a systematic literature review, in-depth interview, and observation to the activities of two youth-based charity movements at two state Islamic universities in Jambi and Surabaya. This paper further argues that the spirit of philanthropic movement does not only depend on economic wealth, but also on social solidarity, Islamic principle of economic distribution, and networks among the students that have been successfully translated into both social welfare activism and humanitarian activities.
ANALISIS PELUANG USAHA SARANG BURUNG WALET DI TINJAU DARI MAQASHID SYARIAH (Studi Desa Sungai Sayang Kec. Sadu Kab. Tanjung Jabung Timur) Eja Armaz Hardi; Firman Syah Noor
Journal of Student Research Vol 1 No 5 (2023): September: Journal of Student Research
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jsr.v1i5.1682

Abstract

Penelitian ini bertujuan untuk mengetahui peluang usaha sarang burung walet di Desa Sungai Sayang, Kecamatan Sadu, Kabupaten Tanjung Jabung Timur dan untuk mengetahui tinjauan maqashid syariah terhadap usaha sarang burung walet di Desa Sungai Sayang, Kecamatan Sadu, Kabupaten Tanjung Jabung Timur. Penulis dalam penelitian ini menggunakan pendekatan kualitatif. Dan sumber data yang digunakan yaitu sumber data primer dan sumber data sekunder. Sedangkan Teknik pengumpulan data yang digunakan adalah observasi, wawancara dan dokumentasi. Hasil penelitian yang telah dilakukan menunjukkan bahwa peluang usaha sarang burung walet di Desa Sungai Sayang menghasilkan peluang usaha yang sangat baik karena Desa ini merupakan salah satu tempat habitat dari burung walet sehingga para pengusaha walet mampu mengoptimalkan peluang usaha yang ada untuk mengembangbiakkan dalam meningkatkan populasi sarang burung walet dan menjadikan usaha ini sebagai sumber untuk menambah penghasilan demi menopang kehidupan rumah tangga dalam meningkatkan pendapatan dan kesejahteraan masyarakat di Desa Sungai Sayang. Dalam menyelaraskan peluang usaha sarang burung walet dengan prinsip-prinsip maqashid syariah, tentunya para pengusaha sarang burung walet yang ada di Desa Sungai Sayang telah sepenuhnya menerapkan lima unsur yang ada pada konsep maqashid syariah. Kemudian hasil dari usaha sarang burung walet ini membawa kemaslahatan bagi para pengusaha walet yang ada di Desa Sungai Sayang.
Pengaruh Kondisi Keuangan Perusahaan Dan Profitabilitas Terhadap Penerbitan Opini Audit Going Concern Pada Industri Tekstil Dan Garmen Di Bursa Efek Indonesia Arif Rahman Ramadhan; Eja Armaz Hardi; G.W.I Awal Habibah
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 3 (2023): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v3i3.280

Abstract

This study aims to determine how the influence of the company's financial condition and profitability on the issuance of going concern audit opinions on the Indonesia Stock Exchange (IDX). This study uses quantitative methods. The data analysis method is using Logistic Regression. The sample used in this study is the financial statements of the textile and garment industry listed on the IDX for the period 2018 to 2021. The results of this study indicate that the company's financial condition has a significant and negative effect on the issuance of going concern audit opinions, profitability has no significant and positive effect on the issuance of Going concern audit opinion as well as the company's financial condition and profitability have no significant simultaneous effect on the issuance of going concern audit opinion. Keywords: company's financial condition, profitability, issuance of going concern audit opinion
Analisis Peer To Peer Lending Pada Aplikasi Akulaku Di Tinjau Dari Ekonomi Islam Di Kota Jambi Husnul Prandika; Eja Armaz Hardi; Syahril Ahmad
Journal of Student Research Vol 1 No 6 (2023): November: Journal of Student Research
Publisher : Sekolah Tinggi Ilmu Ekonomi Trianandra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jsr.v1i6.1819

Abstract

Penelitian ini bertujuan untuk menguji analisis peer to peer lending pada aplikasi akulaku dalam tinjauan ekonomi islam. Data penelitian ini menggunakan data sekunder pada aplikasi akulaku. Metode penelitian menggunakan metode kualitatif deskriptif dengan analisis trianggulasi data. Hasil penelitian ini menujukkan bahwa akad kontrak dalam peer to peer lending pada aplikasi akulaku adanya hal yang menyebabkan gharar, sedangkan akad pinjam meminjam dalam peer to peer lending pada aplikasi akulaku termasuk hukum riba qard yaitu dengan adanya bunga serta kenaikan bunga pinjaman untuk setiap keterlambatan dalam proses pembayaran. Pada tinjauan hukum islam terhadap peer to peer lending pada aplikasi akulaku termasuk hukum riba jahiliyah yaitu terdapatnya beberapa kegiatan yang tidak sesuai dengan syariat islam.
Pengaruh Edukasi Pasar Modal, Norma Subjektif Dan Literasi Keuangan Terhadap Keputusan Berinvestasi Saham Wahyuni Amalia Putri; Eja Armaz Hardi; Neneng Sudharyati
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 3 (2023): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i3.207

Abstract

This study aims to determine and analyze the effect of capital market education, subjective norms and financial literacy on stock investment decisions for FEBI investors at UIN STS Jambi. The method used in this study is a quantitative method, and the data analysis method used is the coefficient of determination test. The sample in this study was 95 samples of FEBI UIN STS Jambi investors who were recorded in the Islamic investment gallery. The results showed that partially education on the capital market had no significant effect on stock investment decisions, subjective norms and financial literacy had a positive effect on stock investment decisions. Simultaneously it shows that the variables of capital market education, subjective norms and financial literacy have a significant effect on the investment decisions of FEBI investors at UIN STS Jambi. The results of the calculation of the coefficient of determination show that the variables of knowledge, risk and investment motivation, capital market education, subjective norms and financial literacy have an influence of 45.8% and the remaining 54.2% is influenced by other variables outside this study.  
Co-Authors , Agusriandi Adib, Ridwan Afrina, Leni AGRIZKY SATIVA CAHYANI Agusriandi Agusriandi, Agusriandi Agustin Nengsih, Titin Ahmad Ismail Ahmad Syahrizal Ahmad Syukron Prasaja Ainatul Muassarah Alfiyanti, Ridha Amelia Novia Pitri Anggraeni, Lidya ARIF RAHMAN Arif Rahman Ramadhan As’Ad As’Ad As’ad Isma As’ad Isma Attin, Adilza Aulia maharani Aztyara Ismadharliani Bakri Bakri Beid Fitrianova Andriani Bintang Ferdian, M. Alief Burhan Djamaluddin Dea Fitria Defri Amanda Dessy Anggraini Dhea Kurnia Saputri Dyah Najla Kushartiwi Efni Anita Efni Anita Efni Anita Elsa Wirda Yanti Elsa Wirda Yanti Elyanti Rosmanidar Elyanti Rosmanidar, Elyanti Eri Nofriza Erik Erwin Saputra Siregar Fathuddin Abdi Fauzan Ramli Firman Syah Noor Firmansyah Noor Fredean Fahenzi Kholid G.W.I Awal Habibah G.W.I. Awal Habibah Gea Rosnani Saragih Gwi Awal Habibah Hendra Refi Ardiansyah Husnul Prandika Husnul Prandika Ibadi, Nur Inge Oktavianti Ismadharmaliani, Aztyara Jazali, Munawir Khairiyani Leni Afrina Lidya Anggraeni M. Farhan M. Maulana Hamzah M. Zulfikri Febriansyah Maryani Maryani Masnidar Masnidar Maulana Hamzah Mega Fatimah Rosana Muhammad Khairul Muhammad Maulana Hamzah Murni Putri Pertiwi Silalahi Mustazila Mustazila Muthmainnah Muthmainnah Najuwanda. R Neneng Sudharyati Nofriza, Eri Nur Arafah Nur Arafah Nur Indah Wulan Andriani Nurfitri Martaliah Nuri Alam Siregar Nurilmi, Besse NURUL WULANDARI Puja Aprilia Putri Ayu Suryana Heri Suryanto Putri Handayani Putriana, Marissa Rabiyatul Alawiyah Rafidah Rafidah Rahma, Sri Ramadhan, Argianov Risa Pauzia Rohana Rohana Safitri, Marliza Septia Pratama, Roby Sirajul Arifin Solichah Solichah Sugeng Santoso Suri Oktiana Syahril Ahmad Syahril Ahmad Syahril Ahmad Tiara Pitri Usdeldi, Usdeldi Wahyuni Amalia Putri Yunita Sari, Diah