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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Laa Maisyir Jurnal Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Idaarah: Jurnal Manajemen Pendidikan Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Madinah: Jurnal Studi Islam Islamika: Jurnal Keislaman dan Ilmu Pendidikan Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ar-Ribh Al-Ubudiyah: Jurnal Pendidikan dan Studi Islam Jurnal Ad-Dariyah Share: Jurnal Ekonomi dan Keuangan Islam J-ESA (Jurnal Ekonomi Syariah) EKONOMIKA45 Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Amal: Jurnal Ekonomi Syariah Asian Journal of Islamic Studies and Da'wah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam At Tawazun Jurnal ekonomi Islam Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital IECON: International Economics and Business Conference Journal of Ekonomics, Finance, and Management Studies Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Tawazuna Study of Scientific and Behavioral Management (SSBM)
Ayu Ruqayyah Yunus
Universitas Islam Negeri Alauddin Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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The Influence of Islamic Branding, Customer Testimonials and Cash On Delivery Services on Interest in Buying Muslim Fashion Through E-Commerce Shopee With Trust as a Moderating Variable Magfira Annisa; Ayu Ruqayyah Yunus; Trisno Wardy Putra
IECON: International Economics and Business Conference Vol. 2 No. 1 (2024): International Conference on Economics and Business (IECON-2)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/rf2pcw33

Abstract

An interesting phenomenon in the realm of muamalah is the existence of buying and selling transactions that occur through electronic media. One of them is the Shopee e-commerce which provides various needs and always provides attractive offers to its prospective consumers. This study discusses the interest in buying Muslim fashion through the Shopee e-commerce which experiences an imbalance between seeking product quality and conformity to Islamic values. The type of research used in this study is quantitative research, using the SEM (Structural Equation Modeling) analysis technique using a test tool, namely SmarPLS 4. The sampling method is based on the morgen table, respondents in this study amounted to 278 consumers. The results of the study showed that simultaneously the Islamic branding variables (X1), Customer testimonials (X2) and cash on delivery services (X3) have a positive and significant effect on the interest in purchasing (Y) Muslim fashion through the Shopee e- commerce. Meanwhile, trust (Z) as a moderator is unable to moderate the relationship between the three X variables and the Y variable.
The influence of service quality and the application of sharia principles on the smoothness of customer installment payments at PT. Massu Tumbu Abadi Nasliana; Wardihan Sabar; Ayu Ruqayyah Yunus; Siti Nur Hadyja Taha
IECON: International Economics and Business Conference Vol. 2 No. 2 (2024): International Conference on Economics and Business (IECON-2)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/k2w5fh66

Abstract

This research aims to analyze the influence of service quality and the application of sharia principles on the smoothness of customer installment payments at PT Massu Tumbu Abadi. The method used in this research is quantitative, the criteria used as a sample are all customers of PT. Massu Tumbu Abadi 2021-2023 and the sample was determined using the Slovin formula with a sample size of 90 respondents.  Data collection methods in this research are observation, documentation and questionnaires. Data analysis was carried out through validity tests, reliability tests, classical assumption tests, and multiple linear regression. analysis was carried out using the IMB SPSS-23 analysis tool. The research results show that service quality has a negative and significant effect on the smoothness of installment payments, while the application of sharia principles has a positive and significant effect. Simultaneously, the two independent variables have a significant influence on the smoothness of customers in paying installments. The conclusion of this research is that service quality and the application of sharia principles simultaneously influence the smoothness of customers in making installment payments at PT Massu Tumbu Abadi.
IMPLEMENTATION OF A MURABAHAH CONTRACT AT AL-FAZZA MAKASSAR SHARIA CREDIT Eka Yulinar; Ayu Ruqayyah Yunus; Trisno Wardy Putra
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 14 No 1 (2023): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v14i1.2498

Abstract

Islam does not only teach how to worship rituals alone, but Islam also teaches how to deal with others, including buying and selling in installments or credit. This study aims to find out how the implementation of murabahah contracts on Al-Fazza Islamic credit. This type of research uses a descriptive qualitative approach, namely research that seeks to provide an overview of the phenomena and conditions occurring at the research location based on natural conditions. Sources of data in this study are divided into two, namely primary data and secondary data. This primary data was obtained through direct observation and interviews with related parties, while secondary data was data obtained from sources other than the respondents in the form of documents or archives. The results of this study indicate that AL-fazza mummy uses a sale and purchase contract or a murabahah contract. Islam tidak hanya mengajarkan bagaimana ritual ibadah semata, tetapi islam juga mengajarkan bagaimana tatacara bermuamalah dengan sesama termaksud dalam jual beli secara angsuran atau kredit. penelitian ini bertujuan untuk mengetahui bagaimana implementasi akad murabahah pada Al-Fazza kredit syariah. Jenis penelitian ini menggunakan pendekatan kualitatif deskriptif yaitu penelitian yang berupaya memberikan gambaran mengenai fenomena dan keadaan terjadi di lokasi penelitian berdasarkan kondisi alamiah. Sumber data dalam penelitian ini terbagi menjadi dua yaitu data primer dan data sekunder. Data primer ini diperoleh melalui observasi langsung dan wawancara dengan pihak-pihak yang terkait, sedangkan data sekunder data yang diperoleh dari sumber lain di luar responden berupa dokumen atau arsip. Hasil penelitian ini menunjukkan bahwa AL-fazza murni menggunakan akad jual beli atau akad murabahah.
INVESTASI SAHAM SYARIAH DI MASA NEW NORMAL Abdullah, Mochammad Fadhil; Nurjannah, Nurjannah; Yunus, Ayu Ruqayyah; Abdullah, Muhammad Wahyuddin; Muchlis, Saiful
J-ESA (Jurnal Ekonomi Syariah) Vol 7 No 1 (2024): Juni
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v7i1.1596

Abstract

Penelitian ini bertujuan untuk menganalisis perdagangan saham syariah dipasar modal indonesia pada masa penetapan New Normal pasca menurunnya kasus pandemi Covid—19 di indonesia. Pengujian dilakukan dengan menganalisis akumulasi bulanan pergerakan kapitalisasi pasar, volume perdangan, dan nilai perdagangan saham syariah di pasar modal indonesia dengan rentan waktu awal kasus pertama Covid-19 memasuki Indonesia, kemudian saat penyebaran Covid-19, selanjutnya membandingkannya saat ditetapkannya Fase New Normal. Penelitian ini menggunakan metodologi dengan studi kepustakaan atau literature. Jenis data yang digunakan adalah data sekunder. Data sekunder merupakan data yang diperoleh peneliti dari sumber yang sudah ada. Data yang diperoleh dari literatur-literatur yang relevan terkait masalah penelitian dengan menelaah dari beberapa kepustakaan seperti artikel ilmiah yang dipublish jurnal, buku-buku bacaan, website resmi OJK, BEI, dan sumber-sumber lainnya yang terkait dengan penelitian. Hasil penelitian ini menunjukan bahwa saham syariah tetap bertahan dan diminati investor di pasar saham indonesia selama menghadapi masa pandemi hingga memasuki fase New Normal. Adapun 10 saham syariah yang paling diminati investor berdasarkan analisis indeks kapitalisasi pasar, trading volume dan frekuensi perdagangan selama pandemi hingga memasuki fase New Normal yaitu dengan kode saham TLKM,UNVR,ADRO,KLBF,ICBP,INDF,ANTM,EMTK,CPIN, dan BRIS
WASTE MANAGEMENT IN MAKASSAR CITY: CHALLENGES, POLICIES AND SOLUTIONS Sirajuddin, Sirajuddin; Parmitasari, Rika Dwi Ayu; Bulutoding, Lince; Masse, Rahman Ambo; Putra, Trisno Wardy; Yunus, Ayu Ruqayyah; Anwar, Nurfiah
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 1 No. 4 (2024): Desember
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmebd.v1i4.1879

Abstract

Waste management in Makassar City is an increasingly pressing issue along with rapid population growth and urbanization. In this context, the main challenges faced are low public awareness, limited waste management infrastructure, and weak enforcement of regulations related to waste processing. This study aims to provide a better understanding to the public about the importance of sustainable waste management and to study waste management policies and practices in Indonesia and Malaysia. Through community service activities including field observations, interviews with stakeholders, counseling, and preparation of recommendations, it is hoped that applicable solutions can be found to overcome waste management problems. One of the proposed solutions is the development of a Waste Bank which functions as a means to manage and recycle waste more effectively. The results of the study indicate that active community participation, government support, and collaboration between various parties are essential to create a sustainable waste management system. The recommendations produced include increasing public awareness, utilizing technology in waste management, and strengthening policies that support community initiatives.
Analisis Pengukuran Kinerja Keuangan Studi pada LAZISMU Sulawesi Selatan Tahun 2019-2021 Ditinjau dari Rasio Efisiensi Rahmadani, Devi; Yunus, Ayu Ruqayyah; Katman, Muhammad Nasri
Asian Journal of Islamic Studies and Da'wah Vol 2 No 1 (2024): Asian Journal of Islamic Studies and Da'wah
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ajisd.v2i1.2382

Abstract

The aim of this research is to determine the financial performance of LAZISMU South Sulawesi in 2019-2021 in terms of efficiency ratios. The type of research data used is secondary data with a descriptive qualitative approach. The data source in this research wash optained from financial reports provided directly by LAZISMU South Sulawesi in the form of Excel files. The sample in this research is financial performance data for the 2019 to 2021 period at LAZISMU South Sulawesi. Data analysis uses the OPZ ratio published by PUSKAS BASNAS 2019, namely analysis of efficiency ratio measurements. The result of this calculation show that in the first calculation, the efficiency ratio is the calculation of the collection cost ratio in 2019. it is in the efficient category, and in 2020 it is in the quite efficient category, finally in 2021 it is in the efficient category, in 2020 it is in the quite efficient category, finally in 2021 it is in the efficient category. Second, the calculation of operational costs for total amil right in 2019 shows quite efficient results, whereas in 2019-2020 it shows inefficient results. Furthermore, the calculation of operational costs towards total collections in 2019 and 2021 shows inefficient results, while in 2020 it was categorized as quite efficient. Third, based on the efficiency ratio from calculating the HR/Human Resources cost ratio, in 2020-2021, results show efficient results.
Pengaruh Religiusitas Kepercayaan dan Kemudahan terhadap Minat Bersedekah via Kitabisa.com Puspita, Ayu; Yunus, Ayu Ruqayyah; Sofyan, A. Syathir
Asian Journal of Islamic Studies and Da'wah Vol 2 No 2 (2024): Asian Journal of Islamic Studies and Da'wah
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ajisd.v2i2.2783

Abstract

In the midst of the government's less than optimal role in reducing poverty in Indonesia, the birth of many fundraising platforms (Crowdfunding) which are engaged in social and are able to become media in carrying out social fundraising properly, Crowdfunding is a fundraising activity that can be used to raise money from the community then distributed to those in need. This research is a research using a quantitative approach. The population of this study is people who have used Kitabisa.com at least once. The sampling technique used nonprobability sampling with purposive sampling, the number of samples was 277 respondents. The data analysis technique used is the Classical Assumption Test, and Hypothesis Testing using the SPSS 21 program. The results of this study indicate that: 1) Religiosity has a positive and significant effect on Interest in Giving Alms Via Kitabisa.com. 2) Trust has a positive and significant effect on interest in giving alms via Kitabisa.com. 3) Convenience has a positive and significant effect on interest in giving alms via Kitabisa.com.
Management of Waqf Land at Jami Islahuddin Mosque Districts Manggala Makassar City Putra, Trisno Wardy; Nur Adilah, Azizah; Ruqayyah Yunus, Ayu
Tawazuna Vol. 1 No. 1 (2021)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i1.82

Abstract

The pattern of waqf property management in Indonesia still tends to be in the management traditional pattern. Waqf in Indonesia still has narrowed of its meaning and purpose, the mosques and prayer rooms that were built have not been able to act as a center for driving community activities, and are only used as places of worship. In the city of Makassar, Jami Islahuddin Mosque is one of the Mosque that has been built on waqf land. Therefore, it is deemed necessary to conduct a study of how the management of waqf assets at the Jami Islahuddin mosque. This study uses a qualitative method with field research to describe the existing facts related to the management of waqf land at the Jami Islahuddin Mosque. The data collection technique used is through literature review, observation, interviews and documentation. The results of the study are: The management of the Jami Islahuddin Mosque Waqf Land has been carried out productively. This can be seen from the mosque which is not only used as a place of worship but is also used as an Al-Qur'an Education Center (TPA), Baitul Maal Wa Tamwil (BMT), and the Mosque Business Entity (BUM) Jami Islahuddin Mosque.
Analisis Pelaksanaan Pembiayaan Dan Layanan Financial Technology Pada Aplikasi Kspps Bakti Huria Agnia Kamila Arifuddin; Ayu Ruqayyah Yunus; Muslihati; Nurfiah Anwar; Muhammad Nasri Katman
AT TAWAZUN: Jurnal Ekonomi Islam Vol 4 No 2 (2024): Agustus
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/attawazun.v4i2.48117

Abstract

Aplikasi yang dinamakan Anggotaku merupakan aplikasi yang dimiliki oleh KSPPS Bakti Huria di mana aplikasi ini memiliki banyak manfaat untuk para anggotanya, aplikasi Anggotaku mempunyai berbagai bermanfaat bagi nasabah seperti melakukan pembayaran tagihan pembiayaan, listrik, PDAM, dan berbagi pengisian E-Wallet. Penelitian ini bertujuan untuk mengetahui akad yang digunakan dalam pembiayaan Bakti Huria dan layanan pada financial technology pada aplikasi Anggotaku. Metode yang digunakan pada penelitian ini metode kualitatif dengan sumber data yang digunakan adalah data primer dimana data yang diperoleh langsung dari sumber utama adapun data diperoleh melalui wawancara, dokumentasi, dan observasi. Penelitian ini juga menggunakan data sekunder sebagai data pendukung data primer yang diperoleh dari jurnal, dokumen, buku, maupun data yang memiliki relevansi terhadap fintech maupun pelayanan. Hasil penelitian ini menunjukan penerapan berbagai akad seperti akad Murabahah, Mudharabah, Ijarah, dan wadiah yang digunakan pada pembiayaan serta beberapa manfaat dari Aplikasi Anggotaku yang belum cukup maksimal karena tidak idapat pengajuan melalui aplikasi.
PENGARUH RELIGIUSITAS, KESADARAN SOSIAL DAN PENGETAHUAN TERHADAP MINAT BERGABUNG VOLUNTEER DI DOMPET DHUAFA DENGAN MOTIVASI SEBAGAI VARIABEL MODERASI Nur Rahmah; A. Syathir Sofyan; Ayu Ruqayyah Yunus
AT TAWAZUN: Jurnal Ekonomi Islam Vol 5 No 2 (2025): Agustus
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Abstract

Penelitian ini bertujuan menganalisis pengaruh religiusitas, kesadaran sosial dan pengetahuan terhadap minat menjadi volunteer di Dompet Dhuafa Sulawesi Selatan, dengan motivasi sebagai variabel moderasi. Penelitian dilatar belakangi oleh penurunan jumlah volunteer dari 2021 hingga 2024. Penelitian ini menggunakan pendekatan kuantitatif asosiatif kausal. Teknik pengambilan sampel yang digunakan adalah probability sampling, dengan jumlah 136 responden volunteer Dompet Dhuafa. Penelitian ini menggunakan data primer yang dikumpul melalui penyebaran kuesioner. Analisis data dilakukan menggunakan teknik Structural Equation Modeling (SEM) dengan software smartPLS. Hasil penelitian menunjukkan bahwa religiusitas dan kesadaran sosial memiliki pengaruh positif dan signifikan terhadap minat seseorang untuk bergabung sebagai volunteer. Sementara itu, pengetahuan ditemukan tidak memiliki pengaruh yang signifikan terhadap minat tersebut. Selanjutnya, motivasi terbukti mampu memperkuat hubungan antara religiusitas dan kesadaran sosial dengan minat menjadi volunteer. Bahkan, motivasi juga memperkuat pengaruh pengetahuan terhadap minat, meskipun pengetahuan secara langsung tidak signifikan. Temuan ini menunjukkan bahwa dorongan internal atau motivasi memiliki peran penting dalam menjembatani nilai-nilai religius, kepedulian sosial, dan pengetahuan individu dalam mendorong keterlibatan mereka sebagai relawan di lembaga filantropi Islam. Penelitian ini diharapkan dapat menjadi referensi bagi lembaga seperti Dompet Dhuafa dalam menyusun strategi penguatan relawan berbasis nilai-nilai personal dan motivasional.
Co-Authors A. Syatir Sofyan Abdul Wahab Abdullah, Mochammad Fadhil Adhifa Ananda Adhifa Ananda. S agnia kamila arifuddin Ahmad Mahdi Bunayya Alyaghina Ismirana Ambo Asse Andi Reski Aprianti Andini putri J Angreni, Rina Athifah Idnan Tsabitha Aidin Ayu Puspita Bunayya, Ahmad Mahdi D, Nur Hasanah Danial Rahman Eka Yulinar Emily Nur Saidy Emily Nur Saidy Faradilla Sinta Fathurrahman Handayani, Futri Hasrianti Hismayanti Idris Parakkasi Islamyanti, Nur Lince Bulutoding Magfira Annisa Mas’ud, Faiqah Mochammad Fadhil Abdullah Mochammad Fadhil Abdullah Mochammad Fadhil Abdullah Muh. Rafli Muh. Saad Muhammad Nasri Katman Muhammad Wahyuddin Abdullah Muslihati Muslihati Muslihati Muslimin Kara Nashrullah Hidir Nasliana Nur Adilah, Azizah Nur Rahmah Nurfiah Nurfiah Nurjannah Nurjannah Nurjannah Nurjannah Nurul Mutmainnah Nurul Wahida Aprilya Pradana, Muh. Rasul Rahma Sari, Nur Rahmadani, Devi Rahman Ambo Masse Rahmawati Muin Rayhan Wahyudi Rika Dwi Ayu Parmitasari Saidy, Emily Nur Saiful Muchlis Saiful Muchlis Sinta, Faradilla Sirajuddin Sirajuddin Sirajuddin Siskawati Siti Nur Hadyja Taha Solly Aryza St Syamsudduha Sudirman Syahdan Hidayat Trino Wardy Putra Trisno Wardy Putra Wardihan Sabar