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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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Pengaruh Produk Dan Layanan Permodalan Nasional Madani Mekar Syariah Terhadap Kepuasaan Nasabah Di Desa Suka Damai Kecamatan. Rimbo Ulu Kabaputen. Tebo Armaz Hardi, Eja; Ahmad, Syahril; Yunita Sari, Diah
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Permodalan Nasional Madani mekar sendiri merupakan suatu lembaga yang memberikan pelatihan bagi pelaku usaha mikro serta merupakan solusi strategi pemerintah dalam mengembangkan akses permodalan yang tersebar di seluruh Indonesia. Kemudian mekar (membina ekonomi keluarga sejahtera) merupakan layanan pinjaman modal usaha yang di prioritaskan pada perempuan pra sejahtera yang akan membuka usaha. Hal ini yang menjadi latar belakang pada penelitian yang berjudul pengaruh produk dan layanan permodalan nasional madani mekar syariah terhadap kepuasaan nasabah desa suka damai kecamtan rimbo ulu kabupaten tebo. Tujuan penelitian ini ialah untukmengetahui bagaimana pengaruh persial maupun simultan produk dan layanan permodalan nasional madani mekar syariah terhadap kepuasaan nasabah di desa sukadamai kecamatan rimbo ulu kabupaten tebo. Metode yang digunakan pada penelitian ini ialah metode kuantitatif deskriptif dengan 60 responden dengan teknik yang digunakan pada penelitian yang digunakan dalam pengambilan sampel ialah Stratified Random Sampling yang Teknik pengambilan sampel sesuai dengan jumlah populasi pada setiap strata dimana pada penelitian ini. Pengumpulan data dilalui dengan penyebaran kuesioner, wawancara, juga dokumentasi. Hasil penelitian ini menunjukkan bahwa : (1) Terdapat pengaruh signifikan baik secara simultan dan persial dari variabel produk dan layanan permodalan nasional madani mekar syariah terhadap kepuasan nasabah di desa sukadamai kecamatan rimbo ulu kabupaten tebo. (2) Variabel independen yaitu variabel produk dan layanan berpengaruh positif (gerak searah) terhadap kepuasaan nasabah di desa sukadamai kecamatan rimbo ulu kabupaten tebo. Hasil nilai determinasi (Adjusted R Square) sebesar 0,346 atau 34,6%. Artinya variabel bebas yang terdiri dari produk (X1) Layanan (X2) mampu menjelaskan variabel terikat, yaitu kepuasaan nasabah (Y) sebesar 34,6% dan sisanya 65,4% dipengaruhi variabel lain yang tidak dibahas dalam penelitian ini.
Analisis Penerapan Keuangan Syariah Home Industry Olahan Nanas Yusra Sejahterani Desa Tangkit Baru Kecamatan Sungai Gelam Wulandari, Nurul; Armaz Hardi, Eja; Ahmad, Syahril
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini mengkaji penerapan prinsip-prinsip keuangan syariah di Home Industri Olahan Nanas Yusra Sejahterani yang terletak di Desa Tangkit Baru, Kecamatan Sungai Gelam, Kabupaten Muaro Jambi, Provinsi Jambi. Penelitian ini bertujuan untuk menganalisis penerapan keuangan syariah di industri ini, mengidentifikasi kendala yang dihadapi, serta mengevaluasi dampaknya terhadap efisiensi operasional dan profitabilitas. Metodologi yang digunakan adalah kualitatif dengan teknik pengumpulan data melalui observasi lapangan dan wawancara mendalam. Hasil penelitian menunjukkan bahwa penerapan keuangan syariah di Home Industri Yusra Sejahterani melibatkan penghindaran riba, transparansi pengelolaan, dan sistem pembiayaan murabahah. Kendala utama yang dihadapi termasuk pemahaman yang terbatas tentang transaksi syariah, risiko manajemen keuangan, dan kurangnya regulasi khusus. Penerapan prinsip syariah telah memberikan dampak positif terhadap efisiensi operasional dan stabilitas profitabilitas usaha. Walaupun terdapat penurunan laba bersih dalam jangka pendek, profitabilitas menjadi lebih konsisten dalam jangka panjang. Persepsi positif dari konsumen dan dukungan pemerintah menunjukkan bahwa prinsip syariah dapat meningkatkan reputasi dan daya saing usaha. Penelitian ini menyarankan agar Home Industri Yusra Sejahterani terus mengoptimalkan penerapan keuangan syariah untuk mencapai keberhasilan berkelanjutan, serta memberikan wawasan bagi pengusaha dan pembuat kebijakan dalam mendukung industri halal di Indonesia.
ANALISIS PENERAPAN JUAL BELI BAI SALAM DALAM MENINGKATKAN KESEJAHTERAAN PETANI Tiara Pitri; Eja Armaz Hardi; Fauzan Ramli
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 1 No. 4 (2023): Oktober : Jurnal Kajian dan Penalaran Ilmu Manajemen
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v1i4.231

Abstract

Salam buying and selling transactions are a form of buying and selling transactions with payment in advance and delivery of goods at a later date in accordance with the price, specifications, quantity, quality, residence and place of delivery, as well as previously agreed in the contract. Salam buying and selling transactions are transactions that are usually carried out by the people of Rantau Alai Village when the sale and purchase of palm oil is agreed. This research is entitled "Analysis of the Application of Buying and Selling Ba'i Salam in Improving Farmers' Welfare". The aim of this research is to determine the implementation of palm oil buying and selling transactions in Rantau Alai Village, to find out how Ba'i Salam reviews palm oil buying and selling transactions in Rantau Alai Village, to find out whether the implementation of Ba'i Salam Buying and Selling can improve farmer welfare. This research uses a qualitative method with a descriptive approach, in sampling the researcher uses a sample selection technique with the provisions of the characteristics and characteristics of the objects in the research, while the data collection technique is by observation, interviews and documentation. The research results show that the palm oil buying and selling transactions implemented in Rantau Alai village are in the form of cash and credit transactions (Ba'i Salam). Implementation of Salam buying and selling transactions in Rantau Alai Village. Although the Ba'i Salam buying and selling transactions have not been implemented by all tokes in Rantau Alai Village, the community admits that the Ba'i Salam buying and selling system has helped and provided relief to the community.
ANALISIS STRATEGI UNIT USAHA PESANTREN DALAM MENINGKATKAN KESEJAHTERAAN GURU DALAM PERSPEKTIF MAQASHID SYARI’AH (Studi pada Pondok Pesantren Modern Al-Kinanah Jambi) Halimah Halimah; Eja Armaz Hardi; Maulana Hamzah
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 1 No. 4 (2023): Oktober : Jurnal Kajian dan Penalaran Ilmu Manajemen
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v1i4.241

Abstract

Islamic boarding schools are traditional Islamic educational institutions in Indonesia that grow and develop in society. Apart from having a role in Islamic religious education, Islamic boarding schools have a role in improving the economy. The business unit is a forum for Islamic boarding schools to be able to develop an independent economy and be able to provide welfare for teaching and education staff. The aim of this research is to determine and analyze business unit strategies in improving the welfare of teachers at the Al-Kinanah modern Islamic boarding school from a maqashid sharia perspective. The method used is qualitative with data collection methods using observation, interviews, documentation and strategic analysis through SWOT analysis. The informants in this research were Islamic boarding school secretaries, business unit managers and teachers. Based on the research results, it shows that the business unit's strategy is to involve teachers to contribute directly to the business unit. Meanwhile, teachers who work at the Al-Kinanah Islamic boarding school are already prosperous, because the indicators in maqasid sharia have been met. Gratitude is the key for teachers who work in Islamic boarding schools. The business unit's obstacles are the position of the canteen which is not strategic and the condition of the canteen room which is less supportive and adequate.
ANALISIS PENGELOLAAN ZAKAT PADA BAZNAS KOTA JAMBI Amelia Novia Pitri; Eja Armaz Hardi; Solichah Solichah
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 2 No. 1 (2024): Januari : Jurnal Kajian dan Penalaran Ilmu Manajemen
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v2i1.249

Abstract

The National Zakat Amil Agency is a zakat management organization formed by the government, consisting of elements of the community and government with the task of collecting, distributing and utilizing zakat in accordance with religious provisions. The Jambi City National Zakat Amil Agency (BAZNAS) carries out the task of managing zakat at the city level. This research aims to analyze zakat management which consists of planning, collecting, distributing, utilizing, reporting and supervising zakat in the Jambi City Baznas, to find out the obstacles that exist in the zakat management process in the Jambi City Baznas, and to find out the benefits after the community receives financial assistance. zakat from Baznas Jambi City. This research uses a descriptive qualitative method. To reveal this problem in depth and comprehensively, the author collected data by means of observation, interviews, documentation and triangulation. The results of the research show that, the implementation of zakat management at Baznas Jambi City is in accordance with management theory, where in management theory management consists of planning, collection, distribution, utilization, reporting and supervision. The implementation of zakat management at the Jambi City Baznas has met the standards of this management theory. So the implementation of zakat management at Jambi City Baznas is good, even though zakat funds are still lacking, Jambi City Baznas continues to distribute zakat funds to those in need so that the benefits of zakat funds in Jambi City can be felt by the community as intended by the zakat law.
BAGI HASIL PERTANIAN SEMANGKA DALAM PRESPEKTIF EKONOMI ISLAM ( Studi Kasus Di Desa Talang Bukit ) Defri Amanda; Eja Armaz Hardi; Nurfitri Martaliah
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 2 No. 1 (2024): Januari : Jurnal Kajian dan Penalaran Ilmu Manajemen
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v2i1.254

Abstract

This research aims to find out the profit sharing in watermelon farming in Talang Bukit village and find out the overview of Islamic economics in watermelon farming practices in Talang Bukit village. This research uses qualitative methods with a field research approach and data collection through observation, interviews and documentation. The results of this research show that the profit sharing system for watermelon farming cooperation in Talang Bukit Village, Kec. North Bahar District. Muaro Jambi is carried out by two parties, namely between the land owner and the cultivator in the form of an oral statement, based on trust and without presenting witnesses with a profit sharing system, namely parohan or pertelon depending on the agreement at the beginning of the contract, and the time period is not clearly specified. In its implementation, the watermelon farming cooperation agreement in Talang Bukit Village, North Bahar District, Muaro Jambi Regency aims to help each other among humans. However, in terms of covering losses, it can be said to be in conflict with the jumhur ulama, because in practice if a loss occurs then only one party will bear it. In this way, one party feels disadvantaged. However, land owners and cultivators are still willing to implement a profit sharing system because this is driven by necessity.
Pengaruh Pendidikan Dan Investasi Terhadap Pertumbuhan Ekonomi Provinsi Jambi Pada Tahun 2018-2022 Hardi, Eja Armaz; Anggraeni, Lidya; Safitri, Marliza
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.10751

Abstract

Pertumbuhan ekonomi merupakan salah satu indikasi yang dapat digunakan untuk melihat keberhasilan pembangunan suatu wilayah. Dimana pendidikan dan investasi sebagai variabel makro ekonomi dapat dijadikan sebagai salah satu aspek untuk mengukur perkembangan perekonomian negara. Pertumbuhan ekonomi sering dihubungkan dengan meningkatknya jumlah produksi dalam perekonomian. Sehingga dapat disimpulkan bahwa pertumbuhan ekonomi merupakan suatu proses yang mengakibatkan barang dan jasa mengalami peningkatan serta kemakmuran sebuah negara semakin meningkat. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh secara parsial dan simultan pendidikan dan investasi terhadap pertumbuhan ekonomi di Provinsi Jambi Pada Tahun 2018-2022. Penelitian ini berjenis kuantitatif dengan menggunakan data sekunder berupa data panel, dengan batasan waktu penelitian dari tahun 2018-2022 dengan menggunakan program EViews 10. Hasil penelitian ini menunjukkan bahwa secara parsial pendidikan berpengaruh secara signifikan terhadap pertumbuhan ekonomi di Provinsi Jambi, Investasi berpengaruh secara signifikan terhadap pertumbuhan ekonomi di Provinsi Jambi, Sedangkan secara simultan menunjukkan bahwa pendidikan dan investasi berpengaruh signifikan terhadap pertumbuhan ekonomi di Provinsi Jambi.
Uang Fiat Dan Operasi Pasar Terbuka: Tinjauan Ekonomi Islam Hardi, Eja Armaz
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2020)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v6i1.3523

Abstract

This article aims to discuss monetary policy in Indonesia, namely Open Market Operations (OPT) on Islamic economics perspective. OPT known as the monetary instrument, which most often used to achieve policy objectives. In general, monetary targets aimed to stimulate the economic growth and inflation stabilization. OPT’s policy products included Bank Indonesia Certificates (SBI), Sharia Bank Indonesia Certificates (SBIS), Bank Indonesia Wadiah Certificates (SWBI), Government Securities (SUN), Sukuk, Private Bonds, Rupiah Interventions (IR), and Loan Facilities Bank Indonesia (FASBI) which is traded on the money market; the primary market and the secondary market with an auction system. Currently, All OPT products based on fiat money. The buy and sell system of OPT products uses a discount system and interest rates. Money plays an important role in the economy, so the policy of monetary contraction and expansion of the amount of money circulating in society will affect the velocity of money. With a descriptive analysis, this article analyzes the role of fiat money from the perspective of Islamic economics. This article argues that the three schools of thought in Islamic economics agree that the function of money used as a means of transaction, investment, and precaution. As an exchange style, money unable to be used as a means of future speculation. Thus, the Islamic economy views that underlying of Islamic monetary policy based on the productivity of the real sector and oriented to the welfare of society.
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.
ANALISIS TINGKAT LITERASI KEUANGAN SYARIAH PADA RUMAH TANGGA KELUARGA NELAYAN DI KABUPATEN TANJUNG JABUNG BARAT Puja Aprilia; Eja Armaz Hardi; Beid Fitrianova Andriani
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (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.v4i2.1198

Abstract

So this study aims to determine the level of Islamic financial literacy in fisherman family housewives in Kampung Nelayan Village and to find out what are the obstacles in increasing Islamic financial literacy in Kampung Nelayan Village. This research qualitativemethod. The results of this study indicate that Islamic financial literacy in fisherman family housewives in Kampung Nelayan Village is not literate for aspects of basic Islamic financial knowledge of 22.4%, in terms of aspects of Financial Behavior it is in the less literate category which is equal to 46%, then from the aspect of Attitude Islamic finance is also in the less literate category, namely 28.8%. The obstacles in increasing Islamic financial literacy in Kampung Nelayan Village are the lack of socialization and knowledge education related to Islamic financial literacy and the absence of cooperation between Kampung Nelayan Village and Financial Institutions and the Financial Services Authority or related parties.
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 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