Agus Purnomo
Program Studi Ekonomi Syariah Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

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Penerapan Konsep Tamkin Al-Mar’ati pada Usaha Rumah Tangga Olahan Udang Rebon (Studi pada Desa Bakambat Kabupaten Banjar) Rozzana Erziaty; Agus Purnomo
At-Taradhi Jurnal Studi Ekonomi Vol 12, No 2 (2021)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v12i2.4714

Abstract

This research is aimed 1) Knowing the level of production, costs, and benefits of household business shrimp paste. 2) Knowing the level of contribution of women processed shrimp paste. 3) Knowing the application of the tamkin concept through the role of women in the processed shrimp paste. The results obtained are, every one production at 24 kg of shrimp paste per person. The selling price level is Rp. 18.000/kg, with the average cost Rp. 318.773.27/person and a profit of Rp. 432,000.00/person. Value RCR 1.36 has the criteria at feasible to operate. The value of women's contribution to household income is 29.52 %. The application of the concept of tamkin al marati in the social dimension of the education aspect, including the formal education aspect of the highest respondent in junior high school and non-formal carried out by the relevant agencies and can be accessed actively. Aspects of information can be accessed properly by respondents to sources of information. Access to organizations and social institutions followed in the form of arisan activities, PKK, recitation of yasinan and posyandu. The application of the concept of tamkin al marati, the dimensions of the commercial economy according to Islamic sharia, is the aspect of product quality in the form of shrimp paste. Production activities are still traditional, with a simple form of packaging made of unlabeled plastic and not yet MUI halal certified. Aspects of sharia management in the sale and purchase contract are carried out according to Islamic sharia. Tujuan penelitian 1) Mengetahui tingkat produksi, biaya, dan keuntungan dari kegiatan produk olahan udang rebon berupa terasi. 2) Mengetahui tingkat Kontribusi usaha olahan udang rebon berupa terasi 3) Mengetahui penerapan konsep tamkin melalui peran wanita pada usaha produk olahan udang rebon (terasi). Metode penelitian yang digunakan mix-method dengan teknik sampel jenuh pada kelompok wanita pengusaha olahan udang rebon sebanyak 10 orang yang berlokasi di desa Bakambat Kecamatan Aluh Aluh Kabupaten Banjar. Pengumpulan dengan wawancara dan FGD. Hasil penelitian didapat adalah, setiap satu kali siklus produksi dihasilkan 24 kg terasi perorang. Harga jual di tingkat responden Rp18.000/kg, dengan rerata biaya yang dikeluarkan dalam satu siklus produksi terasi adalah sebesar Rp318.773,27/orang dan rereta keuntungan Rp432.000,00/orang. Kelayakan usaha 1,36 berkriteria layak secara ekonomi untuk diusahakan. Nilai kontribusi pendapatan perempuan terhadap pendapatan rumah tangga sebesar 29,52 % yang terakhir penerapan konsep tamkin al mar ati pada dimensi sosial yaitu aspek pendidikan meliputi aspek pendidikan formal responden berpendidikan tertinggi SMP dan non formal (pelatihan dan penyuluhan) dilakukan oleh dinas terkait kegiatan ini dapat diakses secara aktif. Aspek informasi dapat diakses dengan baik oleh responden ke sumber informasi. Akses berorganisasi dan kelembagaan sosial yang diikuti berupa kegiatan arisan, PKK, pengajian yasinan dan posyandu. Penerapan konsep tamkin al mar ati dimensi ekonomi berniaga sesuai syariat Islam yaitu aspek kualitas produk berupa terasi. Kegiatan produksi masih tradisional, bentuk kemasan yang sederhana dari plastik tanpa lebel dan belum bersertifikasi halal MUI. Aspek manajemen syariah pada akad jual beli terlaksana sesuai syariat Islam.
ISLAM DAN KONSEP WELFARE STATE DALAM EKONOMI ISLAM Agus Purnomo
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 2, No 2 (2015)
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (181.055 KB) | DOI: 10.31602/iqt.v2i2.378

Abstract

Welfare state jika diartikan secara harfiah adalah  negara kesejahteraan. Konsep welfare state (welvaartsstaat) atau negara kesejahteraan adalah konsep dimana sebuah negara turut serta dalam kegiatan ekonomi, sosial dan kegiatan lainnya yang mendukung terciptanya kesejahteraan bagi warga negaranya. Konsep ini berkebalikan dengan konsep negara penjaga malam atau nachtwakerstaat dimana terdapat pembatasan terhadap pemerintah terhadap masalah-masalah ekonomi sosial masyarakat, sehingga peran negara hanyalah menegakkan hukum saja dan bukan turut serta menyejahterakan rakyatnya. Bagaimanakah Islam memandang konsep yang diusung oleh kapitalisme tersebutu? Makalah ini ingin mengupas posisi Islam dalam memandang konsep ini.
ANALISIS PEMBAYARAN PREMI DALAM ASURANSI SYARIAH Agus Purnomo
al-Uqud : Journal of Islamic Economics Vol. 1 No. 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (359.004 KB) | DOI: 10.26740/al-uqud.v1n1.p27-40

Abstract

The purpose of this study to analyze the model of calculating rates of the premium insurance on savings and non-savings products to segmentation market and the profit. The method of this study used the descriptive qualitative.Related to characteristics of the product for saving products more appropriate to applied to individu segmentation, whereas the non-saving product more appropriate if marketed to groups or companies. Companies that invest on high rate of return will use a relatively of smaller debt. The high rate of return will allow them to fund the majority of the finance when they need with the funds that obtained from internal activities. 
ANALISIS PRODUK TABUNGAN IB MUAMALAT PRIMA BISNIS TERHADAP SEKTOR RILL PEREKONOMIAN MASYARAKAT (STUDI KASUS PT. BANK MUAMALAT INDONESIA, TBK CABANG BANJARMASIN) Agus Purnomo; Muhammad Rusdiansyah
NISBAH: JURNAL PERBANKAN SYARIAH Vol. 4 No. 2 (2018): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (451.041 KB) | DOI: 10.30997/jn.v4i2.1560

Abstract

Penelitian ini dilatarbelakangi oleh penulis yang sebelumnya melakukan Praktik Kerja Lapangan di PT. Bank Muamalat Indonesia, Tbk Cabang Banjarmasin Tahun 2016 sebagai Marketing Funding. Setelah mengetahui Produk Funding unggulan Bank Muamalat Indonesia Cabang Banjarmasin yaitu Tabungan iB Muamalat Prima Bisnis. Penulis berusaha mencari tahu pengaruh Produk ini selain menguntungkan bagi Nasabah tapi dampak yang dirasakan dalam menggerakkan Usaha Nasabah itu sampai dimana. Tujuan penelitian ini dilakukan untuk mengetahui Fitur dan Benefit Produk Tabungan iB Muamalat Prima Bisnis secara keseluruhan dan untuk mengetahui pengaruh Produk Tabungan iB Muamalat Prima Bisnis Terhadap Sektor Rill Bidang UMKM (Usaha Mikro Kecil dan Menengah) masyarakat. Penelitian ini menggunakan Metode Kualitatif dengan pendekatan Deskriftif Kualitatif. Data yang didapatkan nanti berupa data informasi seperti observasi, wawancara, catatan lapangan dan dokumentasi. Untuk sumber data Responden berjumlah 3 orang yaitu Business Development Manager Funding, Marketing Funding dan Customer Service. Sedangkan, Informan berjumlah 5 orang yaitu Nasabah Produk Tabungan iB Muamalat Prima Bisnis yang latar belakangnya sebagai pengusaha dan bukan pengusaha. Hasil Penelitian ini menunjukkan ada pengaruh yang besar dalam menggerakkan Sektor Rill Perekonomian Masyarakat, tergantung Nasabah itu sendiri mau dipergunakan sebagai alat transaksional dengan rekan bisnis atau sebagai Nasabah Pengguna Produk.
Pemberdayaan Ekonomi Berbasis Syariah Pada Muallaf Dayak Meratus Di Dusun Papagaran Rozzana Erziaty; Agus Purnomo; Umi Hani; Abdul Wahab
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 3 (2021): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/dinamisia.v5i3.4308

Abstract

Papagaran is located in Patikalain Village Hantakan Sub-District Hulu Sungai Tengah Regency, which is located in the mountains of Meratus, the majority religion at animism. People who are new to Islam are called Muallaf, thay ara still need help in adapting to their new conditions, whether material, knowledge or social assistance that will protect and strengthen their hearts to embrace for Islam. The purpose of the Community Empowerment Program (PPM) is to strengthen understanding of Islam in the economic field in accordance with regional potential, that are to provide assistance in the management of production, marketing and financial of agricultural products based on sharia. The method used by Rural Apracial Participatory. The population is the perpetrators of Dayak meratus farming of 27 people. The activity was carried out in December 2019. The cognitive assessment results of the PPM pretest participants were 96.3% less 3.7% and 0% good category. The posttest was less than 0%, the category was 55.6% and the good category was 44.4%. The result of the t-test was accepted Hi, namely an increase in the knowledge and skills of participants in the community empowerment training.
Sales and Purchases Of Sharia Mutual Funds Impact During Covid-19 Pandemic Atika Zahra Maulida Atika; Agus Purnomo
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol. 6 No. 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i1.27815

Abstract

The outbreak of the COVID-19 virus has had an impact on the world economy and the country. The Covid-19 outbreak that has hit the whole world has resulted in countries implementing policies to reduce the spread of the COVID-19 virus by implementing a lockdown, restricting business activities, and banning long-distance travel. In 2020 sharia mutual funds sold 289 portfolios and in 2021 sharia mutual funds sold 295 lots. The development of Net Asset Value performance in sharia mutual fund products from 2015 to 2021 was 74.37%. The existence of the covid 19 virus does not affect the buying and selling transactions of Islamic mutual funds. The research method uses descriptive quantitative methods. In collecting data, the researchers distributed a questionnaire of 100 respondents to investors, investment managers, and the public in South Kalimantan. in 2018 to 2019 the number of investors was 53,735.58 while in 2019 to 2020 the number of investors reached 74,367.44 and from 2020 to 2021 the number of investors was 72,668.70 even though the pandemic was ongoing. Keywords: Sales, Purchases, Sharia Mutual Transactions and covid 19.
Bahasa Inggris Agus Purnomo; Atika Zahra Maulida; Muhammad Arsyad Al Banjari Banjarmasin
Eqien - Jurnal Ekonomi dan Bisnis Vol 11 No 03 (2022): EQIEN- JURNAL EKONOMI DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi DR KH EZ Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34308/eqien.v11i03.1101

Abstract

Hajj savings is a product owned by Bank Syariah Indonesia cab Tanjung. Through hajj savings products, Bank Syariah Indonesia collects Hajj funds managed and distributed through sukuk investments (corporate, state, and regional), deposits, sharia stocks, and mutual funds. In 2021, the collection of Hajj funds had increased every year by 35% of the amount of IDR 17,869,510,000,000 hajj funds collected through Bank Syariah Indonesia distributed to state sukuk products to obtain profit or income. So the manager explains that the Hajj fund will be distributed in the type of business, time, and profit sharing. This research method uses a qualitative approach by conducting interviews with the management and Hajj at Bank Syariah cab Tanjung by applying the mudharabah mutlaqah agreement in the distribution and distribution of revenue sharing of the Hajj fund. In determining informants using the purposive sampling method, which consists of 5 informants who will be interviewed about the distribution and calculation of the profit sharing of Hajj funds. In 2020 the Hajj fund collected from the public amounted to IDR 17,890,723,000, - so that Islamic banks as hajj fund managers will distribute the Hajj funds in the form of investment as the following: money market, capital market, construction of facilities and infrastructure, deposits and national sharia valuable certificates (SBSN). Islamic banks will provide a monthly profit sharing of 4%, distributed to Hajj savings customers.
Application and Implementation of ZIS Accounting Based on PSAK 109 at Amil Zakat Institutions (Case Study on Laznas BSM Ummah) Agus Purnomo; Atika Zahra
Maqrizi: Journal of Economics and Islamic Economics Vol 2 No 1 (2022): MAQRIZI: JOURNAL OF ECONOMICS AND ISLAMIC ECONOMICS
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (813.82 KB) | DOI: 10.30984/maqrizi.v2i1.214

Abstract

This study is based on the background and also aims to determine the existence of zakat and infaq accounting reports based on PSAK 109. This study uses qualitative methods, the approach used in this study is descriptive. The method used is samples of accounting data from 2020 and 2021. The subject of this study is LAZNAS BSM Umat and the object of this study is the application and implementation of ZIS accounting based on PSAK 109 at amil zakat institution (case study at LAZNAS BSM Umat). From the result of this study, the appropriate zakat and infaq/shodaqoh accounting report based on PSAK 109, therefore can be a communication medium between amil institution and other parties, because ZIS financial report is a form of operation responsibility from the activity of collection and distribution of zakat, infaq, and sadaqah (ZIS). To be a transparent and accountable financial report, therefore there should be an accounting standard to organize this. For the application of ZIS accounting in the presentation of financial reports at LAZNAS BSM Umat has implemented ZIS accounting regulations issued by the Indonesian Accounting Association (IAI) 2010.
Performance of Indonesia's Sharia Capital Market for the 2022 Period Atika Zahra Maulida; Risda Risdiana; Agus Purnomo
Journal of Islamic Economics and Philanthropy Vol. 5 No. 4 (2023): May
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (512.169 KB) | DOI: 10.21111/jiep.v6i2.9369

Abstract

Islamic capital markets instruments such as stocks, mutual funds, and sukuk are tools to drive economic growth through the capital market sector. The financial sector's performance in the first semester remained stable in 2022. The indicator that is getting stronger in the JCI index is 5.02% or a year-to-date level of 69 11.58 as of June 2022. This article aims to find out the performance of the Indonesian Islamic capital market for the 2022 period. This research uses a qualitative method with a literature review approach regarding the development and growth of sharia capital market performance after Covid-19 pandemic. The result of the discussion for the population has an Islamic majority population, so the capital market industry is expected. To accommodate and collect contributions from Muslim citizens to be active in the stock market, especially the Islamic stock market, and a local investor in the Indonesian Sharia capital market. Realize naturally that investment products are developed following Islamic principles and teachings. The financial sector's performance in the first semester remained stable in 2022. The indicator getting more assertive in the JCI index is 5.02% or a year-to-date level of 69 11.58 at the end of June 2022.
ANALISIS PERSPEKTIF MASYARAKAT TERHADAP PINJAMAN ONLINE DITENGAH BERKEMBANGNYA BANK-BANK SYARIAH Rendi Ramadhani; Agus Purnomo
Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Vol 3 No 2 (2023): Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA)
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimesha.v3i2.214

Abstract

Penelitian ini bertujuan untuk mengetahui bagaiman perspektif masyarakat desa Cindai Alus terhadap pinjaman online ditengah berkembangnya bank-bank syariah. Penelitian ini menggunakan metode penelitian kualitatif deskriptif. Yang mana Teknik pengumpulan data dilaksanakan dengan cara observasi dan wawancara langsung dengan informan. Hasil penelitian ini menunjukkan bahwasanya masyarakat desa Cindai Alus menjadikan pinjaman online dari berbagai platform dan juga menjadikan bank syariah sebagai opsi atau tempat untuk peminjaman dana darurat, dari sini dapat ditarik kesimpulan bahwa pinjaman online dan bank syariah menjadi perbandingan tersendiri bagi masyarakat dengan mengingat resiko dan ke-halalan transaksi didalamnya. Kata Kunci: Pinjaman Online, Bank Syariah