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All Journal Al-Mustashfa Journal on Islamic Economics, Finance, and Banking (Z-CONOMICS) Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Moh. Mabruri Faozi
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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SISTEM PENGUPAHAN TENAGA KERJA HOME INDUSTRIPERSPEKTIF EKONOMI ISLAM Moh. Mabruri Faozi; Putri Inggi Rahmiyanti
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 4, No 1 (2016)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (97.347 KB) | DOI: 10.24235/jm.v4i1.747

Abstract

ABSTRAKRumusan masalah yang diangkat dalam penelitian ini yaitu mengenai bagaimana sistem pengupahan tenaga kerja di Home Industri Konveksi ABR dan Bagaimana sistem pengupahan tenaga kerja di Home Industri Konveksi ABR perspektif ekonomi Islam. Tujuan dari penelitian ini yaitu untuk mengetahui sistem pengupahan tenaga kerja di Home Industri Konveksi ABR dan untuk mengetahui sistem pengupahan tenaga kerja di Home Industri Konveksi ABR perspektif ekonomi Islam. Metode yang digunakan dalam penelitian ini yaitu menggunakan  pendekatan kualitatif deskriptif. Dari hasil penelitian, sistem pengupahan tenaga kerja Home Industri Konveksi ABR menggunakan sistem pengupahan borongan yang dikombinasi dengan sistem upah menurut hasil, jumlah upah tenaga kerja dikaitkan dengan jumlah hasil produksi dikalikan dengan jumlah upah yang ditetapkan, ditambah upah lembur, tunjangan makan, dan tunjangan THR. Jumlah upah yang diperoleh tidak sama karena adanya perbedaan prestasi kerja, jenis pekerjaan, risiko pekerjaan, tanggung jawab dan jabatan pekerjaan. Secara aplikasinya sistem pengupahan tenaga kerja Home Industri Konveksi ABR telah sesuai dengan ekonomi Islam.  Kata kunci: Ekonomi Islam, Pengupahan, Tenaga Kerja  ABSTRACTThe problems raised in this research is about how the system of wage labor in Home Industry Convection ABR and How the wage system of labor at Home Industry Convection ABR Islamic economic perspective. The purpose of this study is to determine the wage system of labor at Home Industry Convection ABR and to know the system of wage labor in Home Industry Convection ABR Islamic economic perspective. The method used in this research is using qualitative descriptive approach. From the research, the system of wage labor Home Industry Convection ABR uses a system of wage contract, combined with the wage system according to the results, the amount of labor associated with the number of production multiplied by the amount of wages that are set, plus overtime, meal allowance, and benefits THR, Total wages earned are not the same because of differences in job performance, job type, job risks, responsibilities and job titles. In the application of labor remuneration system Home Industry Convection ABR accordance with Islamic economics. Keywords: Islamic Economics, Wages, Labor  
MANAJEMEN DANA TABARRU’ PADA ASURANSI TAKAFUL CABANG CIREBON Moh. Mabruri Faozi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 4, No 2 (2016)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (382.147 KB) | DOI: 10.24235/jm.v4i2.1200

Abstract

AbstrakAsuransi syariah menurut Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) dalam fatwanya yaitu: ( ta’mim, takaful, tadhamun)adalah usaha saling melindungi dan tolong menolong di antara sejumlah orang atau pihak melalui investasi dalam bentuk asset atau tabarru’ yang memberikan pola pengambilan untuk menghadapi resiko tertentu melalui akad (perikatan) yang sesuai dengan syariah. Dalam tulisan ini dibahas tentang bagaimana manajemen pengelolaan danatabarru’ yang diterapkan pada PT Asuransi Takaful Umum cabang Cirebon. Penulisan ini menggunakan pendekatan kualitatif dengan metode deskriptif analisis. Hasil penelitian ini menunjukkan bahwa danatabarru’ diperoleh dari setoran dana peserta atau premi 50% untuk dana tabarru’, kemudian dana tabarru’ yang diinvestasikan ke sektor lain dan akan memperoleh bagi hasil antara peserta dan nasabah, dana tabarru’ ini digunakan untuk membayar klaim yang hanya untuk para peserta. Hasil penelitian ini juga dapat diketahui bahwa PT Asuransi Takaful Umum cabang Cirebon mulai dari akad, kedudukan para pihak peserta dalam akad tabarru’, pengelolaan, surplus underwriting, defisit underwriting sesuai dengan konsep syariah yang ditetapkan Fatwa No.53 Dewan Syariah Nasional MUI tahun 2006. Kata Kunci: Manajemen,Dana Tabarru, Asuransi Syariah AbstractTakaful according to the Fatwa of  National Sharia Board Indonesian  Council of Ulama (DSN-MUI)  is: (ta’mim, takaful, tadhamun)efforts to protect each other and mutual help among persons or parties through investments in assets or tabarru’ which provides pattern making to address specific risks through contract (engagement) in accordance with sharia. In this paper discusses how the management of the funds tabarru applied to the Takaful General Insurance branch of Cirebon. This study, using a qualitative approach with descriptive methods of analysis. The results of this study indicate that the funds tabarru obtained from the deposit fund participant or a 50% premium to fund tabarru, then funds tabarru invested into other sectors and will earn a share between participants and customers, tabarru 'fund is used to pay claims only for the participants. The results of this study also found that Takaful General Insurance branch of Cirebon start of the contract, the position of the parties in the contract Participants tabarru, management, underwriting surplus, underwriting deficit in accordance with this sharia concept number 53 of fatwa National Sharia Board - Indonesian Council of Ulama 2006 Keywords: Management, Fund Tabarru’, Islamic Insurance
PENAWARAN PRODUK IMITASI JENIS FASHION DAN PROSES PENGAMBILAN KEPUTUSAN KONSUMEN DI PASAR KAGET STADION BIMA CIREBON Moh. Mabruri Faozi; Annisa Mufidah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 3, No 2 (2018)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (397.359 KB) | DOI: 10.24235/jm.v3i2.3682

Abstract

Abstract The market was surprised by the complex of Bima Stadium Cirebon City is one example of the trade center in the municipality of Cirebon imitate an products and visited consumer in a relatively large number of even though there is only every Sunday morning. The spreading of the visitors of this market and the various merchants are available with complete is expected to give description about the product offer imitate an types of fashion and the decision making process of consumers in the market was surprised by the complex of bima stadium of the Cirebon. The research method used is a descriptive qualitative research the process and interpret the data in the form of the arguments and data is non numbers to make a description image or painting systematically, factual and accurate. The results of the study showed that the concept of business that formed in the market was surprised by the complex of bima stadium Cirebon city is the retail outlet with tents or foodtruck as a place where your merchandise, products imitate an types of fashion which circulate in the market was surprised by the complex of bima stadium Cirebon city were very many and diverse consumer decision making is done through the process of decision making process the purchase of consumers. Keywords: The Market Surprised, Products Iimitate, and Decision Making Consumer. Abstrak Pasar kaget komplek Stadion Bima kota Cirebon merupakan salah satu contoh sentra perdagangan produk imitasi di kota Cirebon dan dikunjungi konsumen dalam jumlah yang relatif besar meski hanya ada setiap hari minggu pagi. Meratanya pengunjung pasar ini serta berbagai pedagang tersedia dengan lengkap diharapkan dapat memberikan gambaran tentang penawaran produk imitasi jenis fashion dan proses pengambilan keputusan konsumen di pasar kaget komplek Stadion Bima kota Cirebon. Metode penelitian yang digunakan adalah deskriptif kualitatif yaitu mengolah dan menginterpretasikan data berupa argumen serta data yang bersifat non angka untuk membuat deskripsi, gambaran atau lukisan secara sistematis, faktual dan akurat. Hasil penelitian menunjukkan bahwa Konsep bisnis yang terbentuk di pasar kaget komplek Stadion Bima kota Cirebon adalah eceran dengan tenda-tenda atau foodtruck sebagai tempat dagangannya, produk imitasi jenis fashion yang beredar di pasar kaget komplek Stadion Bima kota Cirebon sangat beragam, pengambilan keputusan konsumen dilakukan melalui proses-proses pengambilan keputusan pembelian konsumen. Kata Kunci: Pasar Kaget, Produk Imitasi, dan Pengambilan Keputusan Konsumen.
STP ANALYSIS (SEGMENTING, TARGETING, POSITIONING) AND SWOT ANALYSIS IN DIGITAL MARKETING STRATEGIES INFACING BUSINESS COMPETITION AT BT BATIK TRUSMI CIREBON Agustian, Adheflee Muhammad; Syaeful Bakhri; Moh. Mabruri Faozi
Journal on Islamic Economics, Finance & Banking [Z-CONOMICS] Vol. 1 No. 2 (2025): Journal on Islamic Economics, Finance & Banking [Z-CONOMICS]
Publisher : Az-Zahra Media Society

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

Abstract

The advancement of digital technology compels businesses to adapt through digital-based marketing strategies. This study aims to analyze the digital marketing strategy of BT Batik Trusmi Cirebon using the STP (Segmenting, Targeting, Positioning) framework and SWOT analysis to address competitive challenges. A descriptive qualitative approach was employed, with data collected through in-depth interviews with the Digital Marketing and Office Supervisors, direct observation of digital marketing activities, and documentation from social media, marketplace, and internal reports. Data validity was ensured using triangulation of sources and methods. The findings indicate that BT Batik Trusmi applies various digital marketing strategies, including SEM, SEO, Social Media Marketing, Display Advertising, Affiliate Marketing, Content Marketing, and Viral Marketing, which positively contribute to brand awareness and sales growth. Through STP, the company applies a selective specialization targeting strategy and positions itself as the largest batik center with a one-stop shopping concept. SWOT analysis results, with IFAS scoring 4.40 and EFAS 4.30, place the company in Quadrant I (Growth Oriented Strategy), suggesting an aggressive (S–O) strategy. Practically, this research highlights the importance of integrated and consistent digital marketing to strengthen competitiveness. The originality lies in combining STP and SWOT frameworks to provide a comprehensive evaluation of digital marketing strategy in the batik industry.
SISTEM PENGUPAHAN TENAGA KERJA HOME INDUSTRIPERSPEKTIF EKONOMI ISLAM Moh. Mabruri Faozi; Putri Inggi Rahmiyanti
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 4 No. 1 (2016)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v4i1.747

Abstract

ABSTRAKRumusan masalah yang diangkat dalam penelitian ini yaitu mengenai bagaimana sistem pengupahan tenaga kerja di Home Industri Konveksi ABR dan Bagaimana sistem pengupahan tenaga kerja di Home Industri Konveksi ABR perspektif ekonomi Islam. Tujuan dari penelitian ini yaitu untuk mengetahui sistem pengupahan tenaga kerja di Home Industri Konveksi ABR dan untuk mengetahui sistem pengupahan tenaga kerja di Home Industri Konveksi ABR perspektif ekonomi Islam. Metode yang digunakan dalam penelitian ini yaitu menggunakan  pendekatan kualitatif deskriptif. Dari hasil penelitian, sistem pengupahan tenaga kerja Home Industri Konveksi ABR menggunakan sistem pengupahan borongan yang dikombinasi dengan sistem upah menurut hasil, jumlah upah tenaga kerja dikaitkan dengan jumlah hasil produksi dikalikan dengan jumlah upah yang ditetapkan, ditambah upah lembur, tunjangan makan, dan tunjangan THR. Jumlah upah yang diperoleh tidak sama karena adanya perbedaan prestasi kerja, jenis pekerjaan, risiko pekerjaan, tanggung jawab dan jabatan pekerjaan. Secara aplikasinya sistem pengupahan tenaga kerja Home Industri Konveksi ABR telah sesuai dengan ekonomi Islam.  Kata kunci: Ekonomi Islam, Pengupahan, Tenaga Kerja  ABSTRACTThe problems raised in this research is about how the system of wage labor in Home Industry Convection ABR and How the wage system of labor at Home Industry Convection ABR Islamic economic perspective. The purpose of this study is to determine the wage system of labor at Home Industry Convection ABR and to know the system of wage labor in Home Industry Convection ABR Islamic economic perspective. The method used in this research is using qualitative descriptive approach. From the research, the system of wage labor Home Industry Convection ABR uses a system of wage contract, combined with the wage system according to the results, the amount of labor associated with the number of production multiplied by the amount of wages that are set, plus overtime, meal allowance, and benefits THR, Total wages earned are not the same because of differences in job performance, job type, job risks, responsibilities and job titles. In the application of labor remuneration system Home Industry Convection ABR accordance with Islamic economics. Keywords: Islamic Economics, Wages, Labor  
MANAJEMEN DANA TABARRU’ PADA ASURANSI TAKAFUL CABANG CIREBON Moh. Mabruri Faozi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 4 No. 2 (2016)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v4i2.1200

Abstract

AbstrakAsuransi syariah menurut Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) dalam fatwanya yaitu: ( ta’mim, takaful, tadhamun)adalah usaha saling melindungi dan tolong menolong di antara sejumlah orang atau pihak melalui investasi dalam bentuk asset atau tabarru’ yang memberikan pola pengambilan untuk menghadapi resiko tertentu melalui akad (perikatan) yang sesuai dengan syariah. Dalam tulisan ini dibahas tentang bagaimana manajemen pengelolaan danatabarru’ yang diterapkan pada PT Asuransi Takaful Umum cabang Cirebon. Penulisan ini menggunakan pendekatan kualitatif dengan metode deskriptif analisis. Hasil penelitian ini menunjukkan bahwa danatabarru’ diperoleh dari setoran dana peserta atau premi 50% untuk dana tabarru’, kemudian dana tabarru’ yang diinvestasikan ke sektor lain dan akan memperoleh bagi hasil antara peserta dan nasabah, dana tabarru’ ini digunakan untuk membayar klaim yang hanya untuk para peserta. Hasil penelitian ini juga dapat diketahui bahwa PT Asuransi Takaful Umum cabang Cirebon mulai dari akad, kedudukan para pihak peserta dalam akad tabarru’, pengelolaan, surplus underwriting, defisit underwriting sesuai dengan konsep syariah yang ditetapkan Fatwa No.53 Dewan Syariah Nasional MUI tahun 2006. Kata Kunci: Manajemen,Dana Tabarru, Asuransi Syariah AbstractTakaful according to the Fatwa of  National Sharia Board Indonesian  Council of Ulama (DSN-MUI)  is: (ta’mim, takaful, tadhamun)efforts to protect each other and mutual help among persons or parties through investments in assets or tabarru’ which provides pattern making to address specific risks through contract (engagement) in accordance with sharia. In this paper discusses how the management of the funds tabarru applied to the Takaful General Insurance branch of Cirebon. This study, using a qualitative approach with descriptive methods of analysis. The results of this study indicate that the funds tabarru obtained from the deposit fund participant or a 50% premium to fund tabarru, then funds tabarru invested into other sectors and will earn a share between participants and customers, tabarru 'fund is used to pay claims only for the participants. The results of this study also found that Takaful General Insurance branch of Cirebon start of the contract, the position of the parties in the contract Participants tabarru, management, underwriting surplus, underwriting deficit in accordance with this sharia concept number 53 of fatwa National Sharia Board - Indonesian Council of Ulama 2006 Keywords: Management, Fund Tabarru’, Islamic Insurance
PENAWARAN PRODUK IMITASI JENIS FASHION DAN PROSES PENGAMBILAN KEPUTUSAN KONSUMEN DI PASAR KAGET STADION BIMA CIREBON Moh. Mabruri Faozi; Annisa Mufidah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 3 No. 2 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v3i2.3682

Abstract

Abstract The market was surprised by the complex of Bima Stadium Cirebon City is one example of the trade center in the municipality of Cirebon imitate an products and visited consumer in a relatively large number of even though there is only every Sunday morning. The spreading of the visitors of this market and the various merchants are available with complete is expected to give description about the product offer imitate an types of fashion and the decision making process of consumers in the market was surprised by the complex of bima stadium of the Cirebon. The research method used is a descriptive qualitative research the process and interpret the data in the form of the arguments and data is non numbers to make a description image or painting systematically, factual and accurate. The results of the study showed that the concept of business that formed in the market was surprised by the complex of bima stadium Cirebon city is the retail outlet with tents or foodtruck as a place where your merchandise, products imitate an types of fashion which circulate in the market was surprised by the complex of bima stadium Cirebon city were very many and diverse consumer decision making is done through the process of decision making process the purchase of consumers. Keywords: The Market Surprised, Products Iimitate, and Decision Making Consumer. Abstrak Pasar kaget komplek Stadion Bima kota Cirebon merupakan salah satu contoh sentra perdagangan produk imitasi di kota Cirebon dan dikunjungi konsumen dalam jumlah yang relatif besar meski hanya ada setiap hari minggu pagi. Meratanya pengunjung pasar ini serta berbagai pedagang tersedia dengan lengkap diharapkan dapat memberikan gambaran tentang penawaran produk imitasi jenis fashion dan proses pengambilan keputusan konsumen di pasar kaget komplek Stadion Bima kota Cirebon. Metode penelitian yang digunakan adalah deskriptif kualitatif yaitu mengolah dan menginterpretasikan data berupa argumen serta data yang bersifat non angka untuk membuat deskripsi, gambaran atau lukisan secara sistematis, faktual dan akurat. Hasil penelitian menunjukkan bahwa Konsep bisnis yang terbentuk di pasar kaget komplek Stadion Bima kota Cirebon adalah eceran dengan tenda-tenda atau foodtruck sebagai tempat dagangannya, produk imitasi jenis fashion yang beredar di pasar kaget komplek Stadion Bima kota Cirebon sangat beragam, pengambilan keputusan konsumen dilakukan melalui proses-proses pengambilan keputusan pembelian konsumen. Kata Kunci: Pasar Kaget, Produk Imitasi, dan Pengambilan Keputusan Konsumen.
Co-Authors Agustian, Adheflee Muhammad Annisa Mufidah Bakhri, Syaeful Putri Inggi Rahmiyanti