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All Journal IQTISHODUNA Jurnal Keuangan dan Perbankan ISLAMICA: Jurnal Studi Keislaman MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS EKSPANSI Jurnal Manajemen STIE Muhammadiyah Palopo Almana : Jurnal Manajemen dan Bisnis Jurnal Tabarru': Islamic Banking and Finance JURNAL MANAJEMEN Bidayatuna: Jurnal Pendidikan Guru Mandrasah Ibtidaiyah AL-ARBAH: Journal of Islamic Finance and Banking Jurnal Ilmu Ekonomi Tasharruf: Journal of Islamic Economics and Business
Misbahul Munir
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PERAN PEMERINTAH DALAM PEREKONOMIAN DALAM PERSPEKTIF ISLAM Lc., M.EI,, Misbahul Munir,
IQTISHODUNA IQTISHODUNA (Vol 2, No 3
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (208.464 KB) | DOI: 10.18860/iq.v1i3.206

Abstract

As universal religion, Islam do not only arranging human life individually. But further than these phenomena, Islam becomes as “rahmatan lil ‘alamin”, Islam arranges how to systemically the life, than the life can walk consecutively, prosperous and fair. In this case, the government, as the institution, who has getting mandate of Allah of swt, and the people at the same time have the strategic role and the responsibilities to realize the universal values.From this discussions, can be known that the governmental intervention’s applied for guarantee economics system, than this economics system can be walking on the Moslem’s law, and on the code and also on the plan of development of state. The Government in Islam has the right to intervencing the economics of the state, in order to executing him responsibilities to upholding the justice of economics and prosperity of the people.The Governmental intervention’s in Islam at the same time’s can be link the economic system of capitalist which tend to infinite free and the socialist system which tend to hijack the freedom of individual economics. As the concrete step/action, the government agreed to hold the conduct resource to cover the common’s interest, to managing and distributing it fairly, the intervence takes care of market’s stability and also to control and to observe the matching system with the justice principles and the prosperity of the society.
PRAKTEK QURAN-BASED HUMAN RESOURCE MANAGEMENT DI PERBANKAN SYARIAH BERDASARKAN KARAKTERISTIK BIOGRAFIS Nur Asnawi; Siswanto Siswanto; Misbahul Munir
Jurnal Keuangan dan Perbankan Vol 15, No 2 (2011): May 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (216.549 KB) | DOI: 10.26905/jkdp.v15i2.1025

Abstract

The purpose of this study was to describe Quran-based human resource management practices in Islamicbanking according to biographical characteristics. Total respondents in this study were 52 people. Biographicalcharacteristics of respondents analyzed in this study included age, gender, marital status, number ofchildren, period of employment, and education. Data analyses used were analysis of variance (ANOVA) andIndependent sample t-test. The results of this study indicated that Quran-based human resource managementpractices had been properly implemented and not distinct according to biographical characteristics.
Rasionalitas Gerakan Kewirausahaan Organisasi Tarekat Ṣiddîqîyah di Jombang Misbahul Munir
Islamica: Jurnal Studi Keislaman Vol. 9 No. 2 (2015): Maret
Publisher : Postgraduate Studies of Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (411.974 KB) | DOI: 10.15642/islamica.2015.9.2.295-322

Abstract

This article aims to reveal the values of local wisdom explored from the teachings of the Siddîqîyah order which drives the emergence of high spirit of entrepreneur-ship. The article demonstrates that the spirit of entrepreneur-ship within the Siddîqîyah order is strongly related to its teachings, doctrines and culture, such as that of the unity between faith and humanity, the eight points of readiness for the Siddîqîyah membership, and the doctrine of santri (disciple). In attempts to earn living, they run business enterprise through promoting the principle of hard-work and good business management, in addition to implementing spiritual and social capital in achieving success in business. They believe in and feel the strength of prayer (dua), certain rituals, and the importance of belief and harmony to achieve success in business. The teachings, doctrines and culture of the Sidd?q?yah order influence the understanding towards the meaning of wealth or property, and occupy an important position in the life of the Sidd?q?yah followers. For them, property or wealth has double meaning; it is not only meant in economic context, but also understood in other meanings, i.e., social, spiritual, cultural, and philosophical.
Peran Moderasi Human Capital Diantara Pengaruh PMA dan PMDN Terhadap Pertumbuhan Ekonomi Islahul amri; Misbahul Munir
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 1 (2020): Jurnal Ekspansi Mei 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i1.1861

Abstract

Investment and development of human capital is a major concern for the current government. By increasing the value of domestic and foreign investment and the competence of human capital will increase Indonesia's economic growth. The purpose of this study is to determine the effect of domestic investment and foreign capital investment on economic growth with moderated human capital. This research uses a quantitative approach. The number of samples selected amounted to 10 samples obtained from time series data during the period 2010- 2019. Data analysis methods used were multiple regression analysis and the Moderated Regression Analysis (MRA) test. From the results of the study indicate that domestic investment has a positive and significant effect on the money supply. Foreign Investment has a positive and not significant significant effect on the money supply. Human capital is not able to moderate the relationship of Domestic Investment to economic growth. While human capital can moderate the relationship of Foreign Investment to economic growth.
PENGARUH MURABAHAH TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA Muhammad Supriansyah; Misbahul Munir; Indah Yuliana
Jurnal Tabarru': Islamic Banking and Finance Vol. 5 No. 1 (2022): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2022.vol5(1).9167

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan murabahah terhadap profitabilitas bank umum syariah di Indonesia. Profitabilitas dalam penelitian ini diukur dengan menggunakan ROA. Populasi yang digunakan adalah bank syariah yang terdaftar di BI dari tahun 2016 sampai dengan 2020, penarikan sampel menggunakan teknik purposive sampling, dan didapatkan 11 bank syariah yang memenuhi kriteria. Penelitian ini menggunakan uji statistik regresi linier sederhana dengan hasil sebagai berikut: variabel murabahah mempunyai nilai t-hitung sebesar 2,076 dan nilai t-tabel sebesar 2,00575 (t-hitung > t-tabel) dengan nilai signifikansi sebesar 0,043 < 0,05. Dengan demikian Ha diterima, yang berarti bahwa murabahah berpengaruh positif signifikan terhadap profitabilitas Bank Umum Syariah.
Customer Perceptions of Murabahah Financing on MSMEs Muflih Khallab Al Mustaqim; Muhammad Djakfar; Misbahul Munir
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.2.7259

Abstract

Purpose - This study aims to examines the concept and implementation strategy of murabahah financing in the development of MSMEs and customer perceptions of murabahah financing at Bank BRI Syariah Jambi Branch Office.Method - This research uses a qualitative approach with a type of case study. The research data were obtained by conducting in-depth interviews, observation and documentation. MethodMiles and Huberman were used as data analysis techniques by way of data reduction, data presentation and drawing conclusions / verification.Result - Murabahah financing at BRI Syariah Bank Jambi Branch Office using murabahah with installments (bitsaman ajil). The next concept is to combine the wakalah and murabahah contracts. The strategy chosen in an effort to increase murabahah financing is to implement two strategies simultaneously, namely the internal strategy and the external strategy. Meanwhile, the perceptions of murabahah financing customers on the development of MSMEs are generally satisfied with the systems, regulations and services provided. However, customers' understanding of the concept of Islamic banking is still minimal.Implication - Optimizing the strategy for increasing financing and disseminating the understanding of the Islamic banking concept to customers and the general public at large.Originality- This study aims to determine the perceptions of Islamic bank customers about murabahah financing in Jambi City. 
PERAN AL-QURAN DAN AS-SUNNAH DALAM PERKEMBANGAN EKONOMI SYARIAH:KAJIAN, PELUANG DAN TANTANGAN FINTECH SYARIAH Atik Abidah; Kasuwi Saiban; Misbahul Munir
Muslim Heritage Vol 7, No 1 (2022): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v7i1.3628

Abstract

AbstractAl-Qur'an and Sunnah are one of the sources of law that exist in Islam and regulate all human actions. The role of the Qur'an and Sunnah extends to regulating the field of Islamic economics in great detail. This study aims to understand the role of the Qur'an and Sunnah in the development of sharia economics, especially in the study of sharia fintech related to the opportunities and challenges. The method used is library research. The data in this study were obtained using the documentary method sourced from the latest journal articles. The result of this research is that sharia fintech has been officially developed in Indonesia and has received special regulations from the National Sharia Council. The number of Muslim population and increasing technology users are special opportunities for the development of sharia fintech. The lack of understanding of the differences between sharia and conventional fintech is a challenge for financial technology players. Fintech has benefits that are in line with Islamic principles as stated in the Qur'an and Sunnah. This is what strengthens the existence of Islamic fintech, which will be able to continue to grow rapidly from time to time.AbstrakAl-qur’an dan Sunnah merupakan salah satu sumber hukum yang ada dalam Islam dan mengatur seluruh perbuatan manusia. Peran al-Qur’an dan Sunnah meluas hingga mengatur bidang ekonomi Islam dengan sangat rinci. Penelitian ini bertujuan untuk memahami peran al-Qur’an dan Sunnah dalam perkembangan ekonomi syariah terutama dalam kajian fintech syariah terkait dengan peluang dan tantangannya. Metode yang digunakan adalah dengan penelitianPustaka(library research).Data dalampenelitianinididapatdenganmenggunakanmetodedocumenteryang bersumber dari artikel-artikel jurnal terbaru. Hasil dari penelitian ini adalah fintech syariah telah resmi dikembangkan di Indonesia dan telah mendapat regulasi khusus dari Dewan Syariah Nasional. Jumlah penduduk muslim dan meningkatnya pengguna teknologi menjadi peluang khusus perkembangan fintech syariah. Minimnya pemahaman tentang perbedaan fintech syariah dengan konvensional menjadi tantangan tersendiri bagi para pelaku financial technology. Fintech memiliki manfaat yang sejalan dengan prinsip Islam sebagaimana yang tertuang dalam Al-Qur’an dan Sunnah. Hal itu yang menjadi penguat keberadaan fintech syariah akan mampu terus berkembang pesat dari waktu ke waktu.
Praktik Mindring dalam Perspektif Keuangan Syariah (Studi pada Masyarakat Ngaglik Kota Malang) Luluk Atun; Misbahul Munir
Jurnal Manajemen STIE Muhammadiyah Palopo Vol 8, No 1 (2022)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jurman.v8i1.1034

Abstract

AbstractThis study discusses the practice of mindring in Ngaglik, Malang City. The purpose of this research is to find out what is the background of mindring practice, how is the process of implementing mindring practice, how is the risk and return and to analyze mindring practice in Islamic finance perspective. The research method used is qualitative research with a case study approach. Data was collected by using observation, interview and documentation methods. The results of this study indicate that the background for mindring service providers doing mindring business is because of the desire to earn their own income while for mindring consumers it is because the payment is lighter than buying goods in cash, the process of implementing mindring practices starts from ordering by mentioning the description of the goods, then the provider mindring services will find the goods followed by delivery to consumers to then make the contract and payment of the first installment. Among the risks of mindring practice are the number of consumers who do not regularly pay, the length of the repayment period and the presence of consumers who disappear before payment, for the return from mindring practice is 40 percent of the basic price, which means that it does not take half the profit. Then, when viewed from the perspective of Islamic finance, mindring practice is a form of implementation of murabahah and bai' al-musawamah contracts, both of which are allowed in Islam.Keywords: Mindring practice, mindring service provider, consumer Abstrak Penelitian ini membahas tentang praktik mindring di Ngaglik, Kota Malang. Tujuan penelitiannya adalah untuk mengetahui apa saja latar belakang terjadinya praktik mindring, bagaimana proses pelaksanaan praktik mindring, bagaimana risk and return nya serta menganalisis praktik mindring dalam perspektif keuangan syariah. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan studi kasus. Pengumpulan data dilakukan dengan metode observasi, wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa latar belakang bagi penyedia jasa mindring melakukan usaha mindring adalah karena keinginan untuk memperoleh penghasilan sendiri sedangkan bagi konsumen mindring adalah karena pembayarannya lebih ringan daripada membeli barang secara tunai, proses pelaksanaan praktik mindring dimulai dari pemesanan dengan menyebutkan deskripsi barang, kemudian penyedia jasa mindring akan mencarikan barang tersebut dilanjut dengan penyerahan kepada konsumen untuk kemudian melakukan akad dan pembayaran angsuran pertama. Diantara risiko dari praktik mindring yaitu banyaknya konsumen yang tidak rutin membayar, lamanya jangka waktu pelunasan dan adanya konsumen yang menghilang sebelum pelunasan, untuk return dari praktik mindring adalah sebesar 40 persen dari harga pokok yang artinya tidak sampai mengambil keuntuntungan separuh harga. Kemudian, jika dilihat dari perspektif keuangan syariah maka praktik mindring merupakan bentuk implementasi dari akad murabahah dan bai’ al-musawamah yang keduanya sama-sama diperbolehkan dalam islam. Kata Kunci: Praktik mindring, penyedia jasa mindring, konsumen 
EFFECT OF FINANCIAL LITERACY AND LOCUS OF CONTROL ON MSME PERFORMANCE IN MAESAN DISTRICT, BONDOWOSO REGENCY Arini Dinan Haq; Misbahul Munir
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol 7, No 2 (2022): JPIM (JURNAL PENELITIAN ILMU MANAJEMEN)
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jpim.v7i2.1076

Abstract

Quantitative method. A sample of 100 MSME actors using non-probability sampling technique and proportional stratification allocations were divided into 90 micro businesses, 9 small businesses and 1 medium business. The collection tool is in the form of a questionnaire. Data analysis used SPSS 23 multiple linear regression. The results of the study stated that financial literacy had a significant positive effect on financial performance, while locus of control had no effect on MSME financial performance. And simultaneously there is a positive and significant influence between locus of control and financial literacy on the financial performance of MSMEs in Maesan District, Bondowoso.
Pengembangan Pendidikan Vokasi Perspektif Maqāṣid al-Syar’ah dalam Mewujudkan Sumber Daya Manusia yang Produktif Maslahah Moch Mahsun; Kasuwi Saiban; Misbahul Munir
Bidayatuna Vol 5 No 2 (2022): In Press
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat - Islamic Institute of Syarifuddin Lumajang, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/bidayatuna.v5i1.1718

Abstract

In particular, human development is subject to the search for fulfillment through an educational process based on Maqāṣid al-Syar'ah. The point of Maqāṣid al-Syar'ah is to protect mankind and protect them from harm in this world and the hereafter from each individual. This research is a qualitative research through a literature review review with descriptive analysis. This study results that the practice of 6 important things in Maqâshid al-syarî'ah is expected to be the main reference in implementing life practices, especially from the fields of spirituality, education, economics and health. This is used as a form of balancing integrated Islamic and general knowledge, this research only focuses on the preparation of human resources in terms of education.
Co-Authors Arini Dinan Haq Atik Abidah Az Zahra Nabilah Yamani Imam Fahruddin Indah Yuliana Indah Yuliana Islahul amri Kasuwi Saiban Luluk Atun M. Luthfillah Habibi Moch. Mahsun Muflih Khallab Al Mustaqim Muhammad Djakfar Muhammad Supriansyah Nur Asnawi Saiful Bakhri Siswanto Siswanto