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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Istiqro' EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Didaktik : Jurnal Ilmiah PGSD STKIP Subang Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Strategic: Journal of Management Sciences Abdimas Indonesian Journal Jurnal Ekonomi Dan Bisnis Profetika: Jurnal Studi Islam
M. Nasyah Agus Saputra
Institut Agama Isalam (IAI) Qomaruddin Gresik
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pasar Modal Syariah di Indonesia M. Nasyah Agus Saputra
Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Vol 17 No 1 (2014): Al-Qanun Vol. 17, No. 1, Juni 2014
Publisher : Fakultas Syariah dan Hukum UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (402.75 KB) | DOI: 10.15642/alqanun.2014.17.1.85-103

Abstract

Pasar modal (capital market) merupakan pasar untuk berbagai instrumen keuangan jangka panjang yang bisa diperjual belikan, baik dalam bentuk utang maupun modal sendiri. Adapun instrumen keuangan yang diperjual belikan di pasar modal seperti saham, obligasi, warran, right, obligasi konvertibel dan berbagai produk turunan (derivatif ) seperti opsi (put atau call). Keberadaan pasar modal merupakan suatu realitas dan fenomena terkini ditengah-tengah kehidupan umat Islam di abad modern ini. Dilihat dari sisi syariah, pasar modal adalah salah satu sarana atau produk muamalah. Transaksi didalam pasar modal, menurut prinsip hukum  syariah  tidak dilarang, sepanjang tidak terdapat transaksi yang bertentangan dengan ketentuan yang telah digariskan oleh syariah. Diantaranya transaksi yang mengandung bunga dan riba>. Syariah  juga melarang  transaksi  yang  didalamnya  terdapat  spekulasi  dan mengandung  garar atau ketidakjelasan, yaitu transaksi yang didalamnya dimungkinkan terjadinya penipuan.
Wakaf Produktif dan Pemberdayaan Masyarakat: Studi Kasus Model Pengentasan Kemiskinan di Yayasan Nurul Hayat M. Nasyah Agus Saputra; Tri Ardiyanto Aska; Zubaidah Nasution
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (339.523 KB) | DOI: 10.30651/jms.v7i2.12484

Abstract

Productive waqf can be an instrument of economic development. Community empowerment in productive waqf is carried out by improving independence in daily activities or a community effort with synergy from social institutions. Nurul Hayat Foundation as a fund management institution and distribution of waqf productively is expected to have the right strategy to build the community economy, especially in the empowerment model carried out by social institutions. This study aims to determine the role of waqf productively in empowering human resources to improve welfare through social institutions, namely the Nurul Hayat Surabaya Foundation. Based on empowerment indicators covering impact, availability, relevance, utilization, coverage, affordability, and efficiency. This research uses qualitative method to productive waqf management based on direct approach from interview, observation, documentation. The results of this study discuss the design of a poverty alleviation model of community empowerment to improve the standard of living and welfare of alaihi  through productive waqf at the Nurul Hayat Foundation, Surabaya.Keywords: Productive Waqf, Empowerment, Poverty Alleviation Model.
Comparison Analysis of Conventional Economic Systems and Islamic Economy on Demand Concept Meriyati Meriyati; M Nasyah Agus Saputra; Sarah Lutfiyah Nugraha
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 7 No 2 (2022): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (193.685 KB) | DOI: 10.36908/isbank.v7i2.325

Abstract

Economic activity will not be separated from the existence of a demand such as buying and selling. The number of requests from buyers / consumers will affect the price of an item sold. The theory of demand will also not be separated from microeconomics. Humans often make purchase transactions based on mere desire so that the demand for an item becomes high. Meanwhile, based on Islamic economic theory based on the Qur'an and Hadith as well as the ijtihad of the scholars, the demand for an item or purchase is not based on mere desire, but is prioritized on things needed by humans.
PANDANGAN FIQIH TERHADAP INFAQ DALAM PEMBIAYAAN BERMASALAH DI KOPERASI SYARIAH MAN OKU TIMUR Meriyati Meriyati; M Nasyah Agus Saputra Nasyah
Jurnal Istiqro Vol. 9 No. 1 (2023): Januari 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v9i1.1788

Abstract

This article examines members who can afford to pay dues on their loans in cooperatives. However, there are still many who have experienced a decline, because this cooperative is sharia-based, so as much as possible it does not apply fines to its members, but still provides a deterrent effect so that members do not underestimate the obligation to pay their loans and discipline from the cooperative administrators. So an agreement was held to implement infaq on the problematic financing of sharia cooperatives in MAN OKU East. The discussions that will be examined on the issues include the following: 1) The mechanism of sharia cooperatives of MAN OKU Timur in managing financing?, and 2) The implementation of infaq on problematic financing of sharia-based cooperatives in MAN OKU Timur ?. The research uses qualitative methods that are descriptive-qualitative with an approach with field and theoretical studies. The theories that can be used are: regarding financing, and sharia cooperatives. The research is carried out through the data collected as follows: observing and interviewing, as well as documenting the research, The results of this study show that the implementation of infaq substitutes for fines in the MAN OKU Timur sharia cooperative in dealing with arrears of problematic financing has not been maximized, due to the absence of a strong commitment for members in responding to the regulation, it can be concluded that there are still many problems that have not been resolved, as for handlers on problematic financing. Thus, it can be said that the sharia cooperative MAN OKU East, has not been able to implement infaq as a handler of problematic financing appropriately and has not carried out management management based on joint commitments to the fullest. However, in Islamic fiqih law, the system of handling the application of infaq is in accordance with the law of fiqih.
MAQASID SHARIA'S VIEW ON THE SCARCITY OF SUBSIDIZED FERTILIZERS ON THE WELFARE OF FARMERS IN EAST OKU INDONESIA Meriyati Meriyati; M. Nasyah Agus Saputra; Imamul Arifin; Maya Panorama; Mahmoud Saleh Mubarak Bin Humaid
Profetika: Jurnal Studi Islam Vol. 24 No. 02 (2023): Profetika Jurnal Studi Islam 2023
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v24i02.1954

Abstract

In addition to functioning to meet food needs, the agricultural sector also plays an important role, becoming a provider of employment and a source of income for regional communities. Unfortunately, almost every year this sector is faced with a scarcity of subsidized fertilizers and poorly controlled prices. The problem in this East OKU Belitang is the scarcity of subsidized fertilizers and price increases, as well as the purchasing system for both farmer cooperative members and independently, causing hardship for farmers. The method used is qualitative; fertilizer problems continue to occur, starting from a suboptimal planning and supervision system to a lack of realization of the allocation of fertilizer needs by farmers. The two main human needs that I conveyed above are basic needs that must be met to achieve a prosperous life. Although, of course, there are many other needs that humans have.
STRATEGI PENGEMBANGAN USAHA BUMDES MELALUI PARTISIPASI WARGA DESA SEBAGAI UPAYA PENGUATAN EKONOMI DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus pada BUMDes EmHa Desa Melirang) Mubarikhatun Nuriyah; M. Nasyah Agus Saputra; Diah Fithrah Hafiliyah
Strategic: Journal of Management Sciences Vol. 5 No. 3 (2025): Strategic Journal of Management Science
Publisher : Program Studi Magister Ilmu Manajemen Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/strategic.v5i3.401

Abstract

Objektif. Penelitian ini dilatarbelakangi oleh pentingnya penguatan ekonomi desa melalui peran Badan Usaha Milik Desa (BUMDes) sebagai instrumen pembangunan berbasis potensi lokal dan partisipasi warga. Tujuan utama penelitian ini adalah untuk menganalisis strategi pengembangan usaha BUMDes EmHa Desa Melirang melalui keterlibatan aktif masyarakat dalam perencanaan, pelaksanaan, dan evaluasi program, serta meninjaunya dalam perspektif ekonomi Islam. Metode Riset. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi. Hasil. Penelitian menunjukkan bahwa partisipasi warga desa mendorong terbentuknya unit usaha produktif seperti simpan pinjam, jasa pembayaran, serta pengolahan pupuk guano, yang memperkuat rasa kepemilikan dan tanggung jawab kolektif. Dari sudut pandang ekonomi Islam, BUMDes EmHa telah mengimplementasikan nilai-nilai syirkah, partisipasi, transparansi, dan akuntabilitas, meskipun masih ditemukan kelemahan pada penerapan prinsip syariah dalam unit simpan pinjam. Kesimpulan. Penelitian ini menyatakan bahwa pengembangan usaha BUMDes berbasis partisipasi warga dan prinsip ekonomi Islam mampu mendorong kemandirian dan keberlanjutan ekonomi desa secara lebih inklusif.
PENGARUH RELIGIUSITAS, PENDAPATAN DAN PEMAHAMAN ZAKAT TERHADAP KEPATUHAN PEMBAYARAN ZAKAT PERDAGANGAN HASIL TAMBAK (Studi pada Petani Tambak Bandeng di Desa Watuagung, Kecamatan Bungh, Kabupaten Gresik) Siti Khurriyatur Rosmiyah; M. Nasyah Agus Saputra; M. Syamsir Alamsyah Harahap
Strategic: Journal of Management Sciences Vol. 5 No. 3 (2025): Strategic Journal of Management Science
Publisher : Program Studi Magister Ilmu Manajemen Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/strategic.v5i3.430

Abstract

Abstrak Objektif. Penelitian ini bertujuan untuk menganalisis pengaruh religiusitas, pendapatan, dan pemahaman zakat terhadap kepatuhan pembayaran zakat perdagangan hasil tambak pada petani tambak bandeng di Desa Watuagung, Kecamatan Bungah, Kabupaten Gresik. Secara khusus, penelitian ini menguji pengaruh parsial masing-masing variabel serta pengaruh simultan ketiganya terhadap kepatuhan pembayaran zakat. Metode Riset. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik probability sampling, melibatkan 60 responden dari masyarakat petani tambak. Data dikumpulkan melalui observasi, dokumentasi, dan kuesioner, kemudian dianalisis menggunakan regresi linier berganda dengan bantuan software SPSS versi 22. Hasil. Hasil penelitian menunjukkan bahwa: (1) religiusitas berpengaruh positif dan signifikan terhadap kepatuhan pembayaran zakat (t-hitung 4,740 > t-tabel 2,002; sig. 0,000 < 0,05), (2) pendapatan berpengaruh positif dan signifikan terhadap kepatuhan pembayaran zakat (t-hitung 4,740 > 2,002; sig. 0,000 < 0,05), (3) pemahaman zakat berpengaruh positif dan signifikan terhadap kepatuhan pembayaran zakat (t-hitung 6,321 > 2,002; sig. 0,000 < 0,05), serta (4) religiusitas, pendapatan, dan pemahaman zakat secara simultan berpengaruh signifikan terhadap kepatuhan pembayaran zakat (F-hitung 119,938 > 2,77; sig. 0,000 < 0,05). Kesimpulan. semakin tinggi tingkat religiusitas, pendapatan, dan pemahaman zakat, maka semakin besar pula kepatuhan masyarakat dalam menunaikan zakat perdagangan hasil tambak.
NPF Sebagai Variabel Moderasi Pada Pengaruh FDR Dan BOPO Terhadap Profitabilitas Unit Usaha Syariah Periode 2020-2025 Narissa Febrianty; Kurnia Cahya Lestari; M. Nasyah Agus Saputra
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 10 No 1 (2026): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/avf16s57

Abstract

Unit Usaha Syariah menjadi bagian dari Bank Umum Konvensional (BUK) yang beroperasi berdasarkan prinsip syariah. Meskipun didukung oleh modal besar, jaringan luas, dan reputasi kuat dari induk perusahaannya, UUS menghadapi tantangan dalam hal pertumbuhan yang cenderung menurun Kondisi deselerasi ini menuntut optimalisasi kinerja keuangan yang maksimal. Penelitian ini dimaksudkan untuk mengkaji pengaruh FDR dan BOPO terhadap Profitabilitas dengan NPF sebagai variabel moderasi pada Unit Usaha Syariah (UUS) yang terdaftar di Otoritas Jasa Keuangan. Ruang lingkup kajian mencakup 15 Unit Usaha Syariah selama periode 2020–2025 menggunakan data laporan keuangan triwulan. Studi ini menerapkan pendekatan kuantitatif dengan teknik purposive sampling yang melibatkan 343 data observasi. Teknik analisis yang digunakan adalah Moderating Regression Analysis (MRA). Temuan studi mengungkapkan bahwa FDR memiliki pengaruh positif dan signifikan terhadap ROA dengan hasil nilai signifikansi 0.000 < 0,05 dan nilai koefisien 1.685 yang menandakan bahwa semakin baik penyaluran dana kepada nasabah maka tingkat profitabilitas bank turut meningkat. Selain itu, BOPO juga terbukti berpengaruh positif dan signifikan terhadap ROA dengan hasil nilai signifikansi 0.002 < 0.05 dan nilai koefisien 0.002 yang mencerminkan bahwa pertumbuhan pendapatan operasional berhasil mengimbangi kenaikan biaya selama periode yang diteliti. Selain itu, NPF terbukti tidak mampu memoderasi pengaruh FDR terhadap ROA dengan hasil nilai signifikasi 0.586 > 0,05 dan nilai koefesien -0.157. Sedangan NPF terbukti mampu memoderasi pengaruh BOPO terhadap ROA dengan hasil nilai signifikansi 0.000 < 0,05 dan nilai koefesien -0.002. Kesimpulan penelitian ini menegaskan bahwa kualitas pembiayaan yang direpresentasikan oleh NPF merupakan faktor kunci yang menentukan arah dan kekuatan hubungan antara aktivitas intermediasi, efisiensi operasional, dan profitabilitas UUS.
Pengenalan Literasi Keuangan Digital Pada Generasi Z di SMK Assa’adah Bungah Gresik M. Nasyah Agus Saputra; KH. Muhammad Alauddin; Dwi Afrianti; Niswatun Hasanah; Fri Haendid Alfiyan; Martha Hermina Zaytun
Abdimas Indonesian Journal Vol. 4 No. 2 (2024)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1545

Abstract

The rapid development of financial technology has intensified the use of digital financial services among Generation Z. However, this trend is not fully accompanied by adequate financial management capabilities, resulting in a gap between technological access and financial literacy. This community service activity aims to enhance digital financial literacy among twelfth-grade students at SMK Assa’adah Bungah Gresik in order to foster rational, adaptive, and long-term financial behavior. The study employs an educational and participatory approach through the delivery of instructional materials, interactive discussions, and experience-sharing activities involving university students as facilitators of contextual learning. The findings indicate that although students demonstrate a high level of familiarity with digital financial services, their understanding remains largely limited to technical aspects and has not fully encompassed conceptual dimensions such as financial planning and the control of consumptive behavior. Post-activity evaluation reveals an improvement in students’ financial understanding and awareness. These results confirm that the educational and participatory approach is effective in bridging the gap between the use of financial technology and financial management capabilities. Overall, this activity contributes to strengthening the financial readiness of vocational high school students as part of Generation Z in facing the challenges of the digital economy and highlights the importance of developing sustainable, contextual, and experience-based digital financial literacy programs.
Meningkatkan Kesadaran Finansial Digital pada Generasi Z melalui Kegiatan Sosialisasi di SMK Sunan Drajat 3 Babak Bawo Dukun M. Nasyah Agus Saputra; Dwi Afrianti; Lailatul Fitriyah; Fatihatus Sahliyah; Narissa Febrianty; Nata Zahroh
Abdimas Indonesian Journal Vol. 5 No. 1 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1546

Abstract

Continuous developments in digital technology have led to an increasing use of application-based financial services among Generation Z. However, this trend has not been fully accompanied by adequate financial management capabilities, resulting in a gap between technological access and financial literacy. This community service activity aims to enhance digital financial literacy among twelfth-grade students at SMK Sunan Drajat 3 Babak Bawo Dukun in order to foster rational, adaptive, and long-term financial behavior. The study employs an educative-participatory approach through the delivery of instructional materials, interactive discussions, quizzes, and experience sharing, involving university students as facilitators of contextual learning. The findings indicate that although students demonstrate a high level of familiarity with digital financial services, their understanding remains largely limited to technical aspects and has not fully encompassed conceptual dimensions such as financial planning, consumption control, and saving behavior. Post-activity evaluation reveals an improvement in students’ financial understanding and awareness. These results confirm that the educative-participatory approach is effective in bridging the gap between the use of financial technology and financial management capabilities. Overall, this activity contributes to strengthening the financial readiness of vocational high school students as part of Generation Z in facing the challenges of the digital economy and highlights the importance of developing sustainable, contextual, and experience based digital financial literacy programs.
Co-Authors Abdul Muis Achmad Fahim Diah Fithrah Hafiliyah Dwi Afrianti Dwi Indah Safira Fatihatus Sahliyah Figo Unggul Abda Alif Fri Haendid Alfiyan Imamul Arifin KH. Muhammad Alauddin Kurnia Cahya Lestari Lailatul Fitriyah M. Syamsir Alamsyah Harahap Mahmoud Saleh Mubarak Bin Humaid Martha Hermina Zaytun Maya Panorama Meriyati Meriyati Moh. Ya’qub Mubarikhatun Nuriyah Narissa Febrianty Nasution, Zubaidah Nata Zahroh Niswatun Hasanah Sarah Lutfiyah Nugraha Siti Khurriyatur Rosmiyah Tri Ardiyanto Aska