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Intervensi Harga Produk Sekunder Pada Masa Pandemi Covid-19 Perspektif Islam Nafilatur Rohmah; Meichio Lesmana; Ahmad Suminto
Islamic Economics Journal Vol. 7 No. 1 (2021)
Publisher : University of Darussalam Gontor

Islam applies freedom in the market mechanism on condition that it does not conflict with the values and principles of sharia. In the condition of the Covid-19 pandemic facing the world, especially Indonesia, the government must intervene in prices for internet data product prices because the PSBB policy implemented by the government to break the chain of spread of Covid-19 has a significant impact on public opinion, especially for the lower middle class. In addition, this policy will make the demand for internet data quite high while government subsidies cannot accommodate the community's need for internet data. The purpose of this study was to determine the Intervention of Secondary Product Prices during the Covid-19 Pandemic Period from an Islamic Perspective. The research used in this research is library research. The high market demand for the internet and the decline in people's incomes make the price of internet data difficult to reach by all levels of society, this requires the role of the government. the government can make decisions or regulations regarding the maximum limit for internet data prices during this pandemic period so that the selling price can be reached by all circles of society and still provide profits or profits for the seller or producer.

The Effectiveness of Instagram Social Media as an Effort to Improve the Quality of Tax Services in the COVID-19 Pandemic in KPP Pratama Ponorogo Ahmad Suminto; Afif Al Farizi; Nur Kasanah; Meichio Lesmana; Rofi Muzaki
Al Tijarah Vol. 7 No. 1 (2021): Al Tijarah | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v7i1.5563

Abstract Social Media is media created to facilitate social interaction that is interactive or two way. Social media is based on internet technology that changes the pattern of information dissemination from previously one to many audiences. The purpose of this study is to provide knowledge about how the effectiveness of Instagram social media as an effort to improve the quality of public services during the COVID-19 pandemic. The research method used is qualitative by analyzing content or content based on discourse analysis. The data source is taken from Ponorogo KPP Primary by analyzing the contents of existing content on Instagram social media accounts. The results of this study are that every institution or government agency that has social media such as Instagram on the Ponorogo KPP must pay attention to indicators of measuring service quality, so that in the midst of the pandemic COVID-19 can run effectively and efficiently.

Islamic Financial Literacy Analysis of Islamic Economics Students using The Theory of Planned Behavior (TPB): Empirical Studies with SEM-PLS Approach Iqbal ‘Imari; Hartomi Maulana; Ahmad Suminto; Willy Tambayong; Soritua Ahmad Ramdani Harahap
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

After the merger, Islamic banks are expected to be able to break the growth of public interest in saving in Islamic banks, because they inherit the good things from each merger bank, namely BNI syariah with its innovations, Mandiri Syariah with its professional system and BRI syariah with a widespread local understanding, in recent years has increased but not much, in this case, it will be seen interest in Islamic banks through students as a benchmark. Seeing that the student's interest in Islamic banking is quite low, so researchers want to see the extent to which Islamic financial literacy in young students is more focused on saving in Islamic banking, so the purpose of this research is to analyze Islamic financial literacy in Islamic economics students. It is located in several universities are especially for students of Islamic economics. This research uses quantitative methods using the Structural Equation Modeling-Partial Least Square (SEM-PLS) tool and uses the Theory of Planned Behavior as a measuring factor. The results of this research were obtained that attitudes, subjective norms, and perceptions of behavioral control had a significant positive effect on students interest in saving in Islamic banks.

The Nexus between Financial Development and Carbon Emission in OIC Countries Mohammad Zen Nasrudin Fajri; Ikhsanul Amal; Abdul Fareed Delawari; Ahmad Suminto
Islamic Economics Journal Vol. 10 No. 1 (2024)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i1.12201

Economic activities are important factors for the development of countries. However, many countries give too much importance to the economy without paying attention to the country's environment as a result of ongoing economic activities, such as industrial, electricity production, transportation, and commercial and residential which can cause environmental degradation with the spread of CO2 carbon dioxide emissions. The growth of a financial sector that supports those economic activities is considered the driver of carbon emissions at the macro level. However, Islam teaches Muslims to avoid corruption on earth including those leading to the rise in carbon emissions. This makes Muslim-majority countries have better concern in dealing with carbon emissions. This study aims to analyze the influences of financial institution index (FII) and financial market index (FII) on carbon dioxide emissions in the Organization of Islamic Cooperation member nations. Using the GMM estimator for a panel dataset of 36 countries between 2000 and 2021, this study unravels that the FII significantly increased carbon emissions in OIC countries. In reverse, FMI contributed to the reduction of carbon emissions in OIC countries. This paper recommends the government set regulations for banking sectors to improve eco-friendly credits for the private sector. It is also recommended that the government enrich the issuance of green securities and strengthen the financial market because it is effective in minimizing carbon emissions.

The Analysis of Franchise Fee and Royalty Fee Systems in the Business of Nyoklat Klasik™ Based on al-Mu‘amalah al-Maliyah Perspective Mufti Afif; Asifah Itsna Rosidah; Nur Hidayah Al Amin; Ahmad Suminto
Journal of Finance and Islamic Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v4i2.4939

This study aims to determine the franchise and royalty fees implementation system in the Nyoklat KlasikTM Tulungagung. This study employed qualitative research, specifically field research. Data collection is maintained by using interviews, observation, and documentation. this study uses the descriptive-qualitative analysis method, which describes the implementation of the Franchise Fee and Royalty Fee Systems on Nyoklat KlasikTM, then analysis it from the point of view al-mu’amalah al-maliyah. The result is that the franchise fee payment is not paid fully but will be paid 50% after signing the contract, and the rest is paid before shipping the goods. The chosen place must follow the standards that are set by the franchisor. The royalty fee charged by the franchisor to the franchisee is about $1-3 million per year. The franchisor provides repeat order prices of 45%–50% of the regular price. From the al-mu’amalah al-maliyah perspective, the franchise fee and royalty fee systems of Nyoklat KlasikTM are appropriate with the basic principles of al-mu’amalah al-maliyah, that is: a principle of tauhid; prohibition of riba; prohibition of gharar and maisyir; prompts to trade and share benefits and risks; no time value of money concept; funding is based on tangible assets; compliance agreement.

Analysis of Zakat Management with Institutional Isomorphic Theorizing Approach Mufti Afif; Ahmad Agus Hidayat; Ahmad Suminto; Taufiqul Alvin Abidin; Fahmi Akhyar Al Farabi
Journal of Islamic Economics and Finance Studies Vol 4 No 2 (2023): JIEFeS, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i2.6333

The potential of zakat in East Java is significant, reaching Rp547.4 billion. However, the collection results of ZIS by Baznas of East Java, both collected by Baznas at the provincial level and in districts/cities in East Java in 2021, only reached Rp122 billion. This means that only about 25 percent of ZIS potential could be collected. The objective of this study is to investigate how zakat institution applies institutional isomorphic theory to governance and administration. The research was conducted in Laznas Yatim Mandiri Ponorogo that employed in-depth interviews, observations, and documentation. Meanwhile, data sources were drawn from various references including journals, books, and other articles. The findings of the study demonstrate that the Laznas Yatim Mandiri in Ponorogo, Indonesia has managed in a coercive manner, within compliance with the shariah law and the 1945 Constitution. Through mimetic features, the Laznas Yatim Mandiri's administration has embraced many of the governance practices of other charitable institutions, particularly in the areas of information collecting, distribution, and transparency. In addition, the administration of the Laznas Yatim Mandiri through the normative aspect has served its purpose as an institution that adheres to the principles of good corporate governance, which include transparency, accountability, responsibility, independence, fairness, and equality. Potensi zakat di Jawa Timur cukup besar yakni mencapai Rp547,4 miliar. Namun hasil penghimpunan ZIS yang dilakukan Baznas Jatim, baik yang dihimpun Baznas tingkat provinsi maupun kabupaten/kota di Jatim pada tahun 2021, hanya mencapai Rp122 miliar. Artinya, potensi ZIS yang bisa dihimpun baru sekitar 25 persen. Tujuan dari penelitian ini adalah untuk menyelidiki bagaimana lembaga zakat menerapkan teori isomorfik kelembagaan dalam tata kelola dan administrasi. Penelitian dilakukan di Laznas Yatim Mandiri Ponorogo dengan menggunakan wawancara mendalam, observasi, dan dokumentasi. Sedangkan sumber data diambil dari berbagai referensi antara lain jurnal, buku, dan artikel lainnya. Temuan penelitian menunjukkan bahwa Lembaga Zakat Yatim Mandiri di Ponorogo, Indonesia telah melakukan pengelolaan secara korosif, sesuai dengan hukum syariah dan UUD 1945. Melalui ciri-ciri mimesis, penyelenggaraan Lembaga Zakat Yatim Mandiri telah banyak mengadopsi praktik tata kelola lembaga amal lainnya, khususnya di bidang pengumpulan, distribusi, dan transparansi informasi. Selain itu, penyelenggaraan Lembaga Zakat Yatim Mandiri melalui aspek normatif telah mencapai tujuannya sebagai lembaga yang berpegang teguh pada prinsip-prinsip tata kelola perusahaan yang baik yang meliputi transparansi, akuntabilitas, tanggung jawab, independensi, kewajaran, dan kesetaraan.

The influence of islamic bank and zakat on unemployment in urban and rural areas of Indonesia Fajri, Mohammad Zen Nasrudin; Suminto, Ahmad; Rizqon, Abdul Latif
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 1 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i1.17108

Unemployment in Indonesia has shown a downward trend in the last decade which is associated with the positive growth of Islamic banks and zakat in Indonesia. This research aims to reveal the impact of Islamic bank performance on unemployment in Indonesia at a national level, in urban and rural areas. It also aims to find out the impact of zakat performance on those groups of unemployment. ARDL method is used to analyze data between 2007 and 2022. The results of the findings show that the zakat collection positively affects national unemployment, urban unemployment, and rural unemployment in Indonesia in the long run. However, in the short run, it only increases urban unemployment. Meanwhile, Islamic bank financing significantly reduces national unemployment and urban unemployment in the short run but it has no impact on rural unemployment. In the long run, Islamic bank financing does not affect all kinds of unemployment.Keywords: Islamic bank, zakat, unemployment, urban, rural.

Islamic Financial Literacy Analysis of Islamic Economics Students using The Theory of Planned Behavior (TPB): Empirical Studies with SEM-PLS Approach Iqbal ‘Imari; Hartomi Maulana; Ahmad Suminto; Willy Tambayong; Soritua Ahmad Ramdani Harahap
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

After the merger, Islamic banks are expected to be able to break the growth of public interest in saving in Islamic banks, because they inherit the good things from each merger bank, namely BNI syariah with its innovations, Mandiri Syariah with its professional system and BRI syariah with a widespread local understanding, in recent years has increased but not much, in this case, it will be seen interest in Islamic banks through students as a benchmark. Seeing that the student's interest in Islamic banking is quite low, so researchers want to see the extent to which Islamic financial literacy in young students is more focused on saving in Islamic banking, so the purpose of this research is to analyze Islamic financial literacy in Islamic economics students. It is located in several universities are especially for students of Islamic economics. This research uses quantitative methods using the Structural Equation Modeling-Partial Least Square (SEM-PLS) tool and uses the Theory of Planned Behavior as a measuring factor. The results of this research were obtained that attitudes, subjective norms, and perceptions of behavioral control had a significant positive effect on students interest in saving in Islamic banks.

The Effect of Price and Service Quality on Customer Satisfaction at Cafe Dema Gontor Campus 2 Noviana Prasanti; Alfin Natiqul Mahmud; Ahmad Suminto; Muhammad Jafar
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 2 (2024): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

Cafe Dema is a significant and influential economic factor. Its role at Pondok Modern Darussalam Gontor Campus 2 is to be a driver, supporter, and driver of economic growth. Cafe Dema also has important duties and responsibilities at Pondok Modern Darussalam Gontor Campus 2 in improving the economy of Gontor Campus 2 students and stabilizing student activities at Gontor Campus 2. As a result, the cottage has a Cafe Dema business to support these activities. Cafe Dema specializes in hearty fare. Many efforts have been made to attract customers, one of which is to improve service quality. As a result, the café dema staff takes special care of the service that customers enjoy. This is done to ensure that customers are happy with the service they received. A descriptive quantitative research model is used in this study. Interviews and questionnaires were used to collect primary data. Random sampling is used in the sampling technique. Multiple linear regression with SPSS statistics 26 is the data analysis technique used. Based on previous research, it is known that the variables of service quality and price affect customer satisfaction at Café Dema. This is shown based on the results of the f test above, it can be seen that the value of Sig. 0.000 < 0.05 besides that there is a calculated f value of 106.965 while f table 2.69 then it can be concluded that there is a simultaneous influence between the free variables on the bound variable, this is because the significance value is smaller and the calculated f is greater than the table f. For subsequent researchers it is advisable to add other independent variables besides the quality of service, to further complement this study since there are still other independent variables outside of this study that can affect consumer satisfaction and loyalty. Keywords: Quality of Service, Price, Customer Satisfaction

Islamic Review of Impulsive Buying on Shopee for UNIDA Gontor Students 2022 Amin Fonda Astiti Rob Rahayu; Nusa Dewa Harsoyo; Ahmad Suminto
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 2 (2024): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

Based data of administration Gontor for girls first campus, there are 49,08 % of the total female students receiving packages from shopee. In fact, the campus has provided facilities in the form of a mini market. However, there are still many students who like to shop online. The purpose of this research is to analyze impulsive buying behavior judging from islamic perspective. This study uses a descriptive qualitative method using primary and secondary data. The data collection techniques used triangulation, which were carried out on 10 informants and also 111 respondents using shopee who made purchases at least 1 time in 1 month. The results of this study are that the category of impulsive buying among female students at University of Darussalam Gontor in 2022 is mostly in the suggested and planned impulsive buying categories, but sometimes there are also reminders of impulsive buying. The students have implemented consumption behavior that is in accordance with Islamic teachings. For future researchers, it is expected to add other variables that may not have been examined by the author in order to find out other variables that have a major influence on impulsive buying behavior on the Shopee online site. Keywords: Impulsive Buying, Shopee, Islamic Review

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