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All Journal Jurnal Ekuilnomi J-ESA (Jurnal Ekonomi Syariah) Taroa : Jurnal Pengabdian Masyarakat JURNAL ECONOMINA El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Umar Sagaf
Universitas Muhammadiyah Bima
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Etika Bisnis Islam dalam Kinerja Pedagang Bakso di Kecamatan Belo Rosdiana; Umar Sagaf; Syarif Hidayatullah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7796

Abstract

This study aims to examine the application of Islamic ethics in meatball stall businesses in the Belo District. The business actors referred to in this research are members of the independent meatball stall business group in the Belo District. This is field research using a qualitative approach with a case study strategy. Data collection techniques include observation, interviews, and direct documentation of the relevant subjects. Data validity was ensured through triangulation. The research findings reveal five principles of Islamic business ethics applied in the meatball stalls in the Belo District. First is the principle of tawhid (unity), in which the quality of the offered products is prioritized, and no prohibited (haram) items are used. Second is the principle of balance, ensuring that the prices offered reflect the actual quality and value of the food being sold. Third, the principle of free will is upheld, promoting transparency and the absence of coercion, while allowing customers the freedom to choose from a variety of meatball menu variations at uniform prices, and allowing employees to propose the most popular menu items. Fourth is the principle of responsibility, ensuring excellent service quality, transparent pricing, and responsible waste management. Fifth is the principle of benevolence, guaranteeing fair and adequate support for all customers and transparency in the ordering and payment processes. The conclusion of this research is that meatball stalls in the Belo District have implemented Islamic principles of buying and selling, both in food processing and service delivery, based on Islamic business ethics.
Implementasi Digital Marketing Sebagai Strategi Pemasaran Guna Meningkatkan Daya Saing UMKM Fashion di Sila Perspektif Ekonomi Islam M. Dandi Delas Putra; Umar Sagaf; Jainuddin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7858

Abstract

The number of MSME players who market their products using traditional methods and MSME players in sila are still lacking in integrating Islamic economic principles in implementing digital marketing such as honesty, social justice, and gharar in online transactions which make it difficult for MSME players to reach a wider market. So this research aims to find out the Implementation of Digital Marketing as a Marketing Strategy to Increase the Competitiveness of Fashion MSMEs in Sila Islamic Economic Perspective. This research will be conducted in Sila, Bima Regency, West Nusa Tenggara. This research uses Qualitative Research with a Descriptive Approach. Data Collection Techniques are Observation, Interview and Documentation. Data Analysis Techniques are Data Reduction, Data Presentation and Conclusion Drawing. Based on the results of this study, Digital marketing has proven to be an effective tool to increase the competitiveness of fashion MSMEs in Sila, both in terms of increasing sales, brand awareness, and market reach.
Implementasi Etika Bisnis Islam dalam Meningkatan Penjualan Thrifting di Pasar Amahami Kota Bima Rangga Dzikrul Rabbani; Ichwan P. Syamsuddin; Umar Sagaf
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9238

Abstract

This research was conducted to find out how the implementation o Islamic business ethics can contribute to the increase in thrifting sale in Amahami Market, Bima City and what are the challenges faced b thrifting traders in implementing Islamic business ethics in Amaham Market, as well as the solutions offered. This research also use descriptive qualitative research methods with observation, interview and documentation of 15 sellers and buyers of thrifting goods in th amahami market of bima city. The results of this study indicate tha the application of Islamic business ethics in Amahami Market i proven to be able to increase consumer confidence in thrifting traders This trust arises because traders carry out honest and transparen business practices, are committed to the quality of goods and pric fairness, behave fairly and serve kindly, and have social care However, the application faces several challenges including the lac of a comprehensive understanding of Islamic Business Ethics, unfai competition between merchants, limited resources and access t training, and the challenges of local culture and traditions. In line wit these challenges, it also offers solutions to overcome them, namely b Increasing the Understanding and Awareness of Traders, providin Consumer Education and Increasing the Role of the Community, a well as the Establishment of Community-Based Market Supervisor Institutions
Strategi Pemasaran Syariah dalam Upaya Meningkatkan Pendapatan Pengusaha Tenun di Kelurahan Ntobo Rahmatan Setiadin; Umar Sagaf; Muhammad Zia Ulhaq
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9296

Abstract

This study aims to analyse sharia marketing strategies in increasing the income of weaving entrepreneurs in Ntobo Village, Bima City. The traditional weaving industry in this region not only has high cultural value, but is also the main source of livelihood for the local community. However, weaving entrepreneurs face challenges in the form of limited market access, competition with imported products, and lack of understanding of sharia marketing and modern marketing strategies. This research uses a descriptive qualitative method with data collection techniques through observation, semi-structured interviews, and documentation of 15 weaving entrepreneurs. The results showed that the implementation of sharia marketing strategies, which include honesty and transparency in transactions, provision of halal and quality products, sharia value-based promotion through social media, and strengthening personal relationships with consumers, contributed positively to increasing consumer confidence and entrepreneurial income. In addition, collaboration through artisan communities and participation in exhibition activities helped expand the marketing network. Despite facing challenges in terms of capital, market access and digital skills, weaving entrepreneurs in Ntobo have great opportunities through government support and increased public awareness of local products based on Islamic values. This study concludes that the integration of sharia principles and modern marketing strategies can sustainably increase the competitiveness and income of weaving entrepreneurs, while maintaining the cultural and religious values of the Ntobo community.
Efektivitas Pengelolaan Dana Zakat Produktif Baznaz dalam Mengentaskan Kemiskinan di Desa Melayu Kecamatan Lambu Kabupaten Bima Ariyansyah; Umar Sagaf; Muhammad Yunan Putra
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9337

Abstract

This study aims to evaluate the effectiveness of productive zakat management by BAZNAS in alleviating poverty in Malay Village, Lambu District, Bima Regency and analyze the contribution of productive zakat to poverty alleviation in Malay Village, Lambu District, Bima Regency. The method used is descriptive qualitative through interviews and observations of mustahik. The results show that productive zakat management by BAZNAS Bima Regency in Malay Village has proven its effectiveness in poverty alleviation through a sustainable economic empowerment approach based on the Bank Zakat Mikro (BZM) scheme. The program has succeeded in transforming mustahiqs into independent business actors in the livestock and handicraft sectors, with concrete achievements in the form of a 30% increase in income per year, transformation of the status of 15 families from mustahiqs to muzakki, and a 12% reduction in the poverty rate in three years. Supported by systematic governance and multi-stakeholder collaboration that utilizes local potential, this program overcomes the challenges of financial literacy and market access to create economic independence, proving productive zakat as a transformative instrument that is not only charitable but also empowering in a sustainable manner.
PERSPEKTIF MASYARAKAT LEWI SAPE KOTA BIMA TENTANG PRODUK WADIAH PADA BRI SYARIAH KCP KOTA BIMA Siti Asmah; Umar Sagaf
J-ESA (Jurnal Ekonomi Syariah) Vol. 2 No. 2 (2019): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

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Abstract

Hasil penelitian menunjukkan sebagai berikut. (1) perspektif masyarakat Lewi Sape Kota Bima tentang produk-produk BRI Syariah Kcp Kota Bima. yaitu:(a) Penghimpun dana merupakan usaha yang dilakukan oleh Bank untuk mencari dana pada pihak deposan yang akan disalurkan kepada pihak kreditur dalam rangka penggunaan fungsi sebagai perantara antara pihak yang menyetor dengan pihak kreditor. (b) Perspektif masyarakat tentang Tabungan wadiah merupakan tabungan yang benar-benar bersifat titipan yang harus dikembalikan setiap saat sesuai apa yang diinginkan oleh pemilik titipan. (c) Perspektif masyarakat tentang Deposito wadiah merupakan sistem yang pembagian hasilnya dapat diatur oleh pemilik dana melalui akad yang telah dibuat bersama dengan pihak Bank pada awal pendaftaran deposito. (2) Adapun upaya untuk meningkatkan Produk-produk BRI Syariah Kcp Kota Bima yaitu: Meningkatkan kualitas dari produk-produk BRI Syariah Kcp Bima sangat efektif, Meyakinkan calon nasabah dengan melakukan persentase produk yang sangat menarik, Meningkatkan kualitas pemasaran produk-produk BRI Syariah, Mengoreksi dan mengecek kembali hal-hal yang masih kurang dalam produk-produk BRI Syariah
HIJRAH DAN TRANSFORMASI EKONOMI Umar Sagaf
J-ESA (Jurnal Ekonomi Syariah) Vol. 3 No. 1 (2020): Juni
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

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Abstract

Tren hijrah atau transformasi ke arah kehidupan lebih baik sesuai syariah Islam di kalangan masyarakat Muslim berdampak positif bagi sektor ekonomi nasional. Salah satu peristiwa penting dalam perkembangan sejarah Islam adalah peristiwa hijrah Nabi Muhammad SAW yang dilakukan pada tanggal 16 Juli 622 Masehi / 2 Rabiul Awal 1 H. Secara teologis, hijrah ini merupakan perintah langsung Allah kepada Nabi, dimana Allah berperan dalam menyiapkan, merencanakan dan memberikan perlindungan kepada Nabi (QS 8:30; QS 9:40). Secara sosiologis, hijrah dilaksanakan sebagai upaya untuk keluar dari tekanan yang sangat kuat, yang dilancarkan oleh kaum kafir Quraisy. Pembentukan opini publik berupa fitnah, pengasingan, tekanan secara fisik dan mental, embargo ekonomi, dan penyiksaan-penyiksaan sangat gencar dilakukan. Sehingga dalam konteks demikian, hijrah menjadi momentum yang sangat tepat
KINERJA SEKTOR PERTANIAN TERHADAP PEREKONOMIAN NTB DIMASA PANDEMI COVID-19 Rizky Amelia; Umar Sagaf
J-ESA (Jurnal Ekonomi Syariah) Vol. 3 No. 2 (2020): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

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Abstract

Sudah delapan bulan lamanya Indonesia menghadapi pandemi virus Corona (Covid-19). Sejak kasus pertama diumumkan pada awal Maret 2020. Salah satu kebijakan pengendalian terhadap penyebaran Covid-19 dilakukan pemerintah adalah dengan penerapan PSBB. Kebijakan tersebut menyebabkan pembatasan aktivitas masyarakat sehingga berimbas pada melambatnya perekonomian dalam negeri. BPS telah merilis pertumbuhan ekonomi Indonesia triwulan II tahun 2020 tumbuh negatif pada angka minus 5,32 persen (yoy). Triwulan II tahun 2020 provinsi NTB mengalami pertumbuhan negatif pada angka minus 1,41 persen (yoy) dari 17 lapangan usaha penyusun PDRB Provinsi NTB. Lapangan usaha sektor pertanian, kehutanan, dan perikanan menjadi salah satu lapangan usaha yang tumbuh positif.
Analisis Implementasi Wakalah dalam Akad Murabahah Pada Produk Pembiayaan Unit Mikro di PT. Bank BRI Syariah TBK. KC Bima Soetta Umar Sagaf; Gunawan Gunawan
J-ESA (Jurnal Ekonomi Syariah) Vol. 4 No. 1 (2021): Juni
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v4i1.746

Abstract

Penelitian ini merupakan penelitian kualitatif, teknik pengumpulan data yang digunakan adalah observasi, wawancara dan dokumentasi. Hasil penelitian menunjukan bahwa Implentasi Wakalah dalam Akad Murabahah Pada Produk Pembiayaan Unit Mikro di Bank BRI Syariah KC Bima, belum menjalankan fatwa DSN-MUI tersebut secara murni. Ketidakmurniannya terletak pada proses pengadaan barang dan penandatanganan lembar akad antara pihak bank dan nasabah. Dalam praktiknya Bank selaku penjual memberikan kebebasan pada nasabah untuk mencari sendiri barang yang diinginkan oleh nasabah, yang seharusnya pihak Bank yang menyediakan barang tersebut.
Analisis Jual Beli Paket Data Internet dalam Perspektif Ekonomi Islam Di Kecamatan Rasanae Barat Kota Bima Umar Sagaf; Suci Surianah
J-ESA (Jurnal Ekonomi Syariah) Vol. 4 No. 2 (2021): Desember
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v4i2.754

Abstract

Penelitian ini bertujuan untuk mengetahui Jual Beli Paket Data Internet Menurut Perspektif Ekonomi Islam. Untuk mencapai tujuan tersebut maka peneliti menggunakan metode penelitian kualitatif dalam penelitian bersifat deskriptif yang mengarah pada fakta-fakta yang terjadi mengenai jual beli paket data internet dengan menggunakan pengumpulan data seperti wawancara, observasi, dan dokumentasi. Dan yang menjadi tempat penelitian disini adalah di Konter Apunk Cell, Konter Market Cell, dan Konter Royal Cell yang ada di Kecamatan Rasanae Barat Kota Bima. Setelah dilakukan penelitian maka di dapat kesimpulan bahwa (1) Jadi hukum jual beli kartu paket data internet ditinjau dari perspektif Sayyid Sabiq sebenarnya diperbolehkan, hanya saja Sayyid Sabiq mengatakan bahwa jual beli ini boleh terjadi ketika para pihak, penjual dan pembeli mengetahui keadaannya baik mencakup kuantitas dan kualitasnya, dikarenakan jual beli ini terdapat unsur ketidakjelasan dan ketidakpastian barang sehingga konsumen atau pembeli banyak yang dirugikan oleh tingkah pelaku usaha, maka dari itu jual beli ini dilarang sebagaimana dilihat dari pendapat Sayyid Sabiq, ia mengatakan jika hanya satu orang yang mengetahuinya maka jual belinya batal dan tidak sah karena terdapat unsur ketidakpastian dan ketidakjelasan (gharar).
Co-Authors Abdul Haris Abdul Haris Al Maulud Aris Iwansyah Aris Iwansyah Ariyansyah Dina Husniah Dinah Husniah Dinah Husniah Ferdiansyah Ferdiansyah Gunawan Gunawan Ibrahim Ibrahim Ibrahim Ibrahim Ibrahim Ichwan P. Syamsuddin Ihwan P. Syamsudin Ihwan P. Syamsudin Ismail Ismail Jainuddin H. Tajudin JAWARIAH ria Kaharuddin Kaharuddin M. Dandi Delas Putra Mastorat Mastorat Muh. Yunan Putra Muhammad Fajar Syafriadin Muhammad Rasyad Al Fajar Muhammad Yunan Putra Muhammad Zia Ulhaq Mujnah Nasaruddin Nasaruddin Nur Wahyu Nurul Inayah Putri Miftahul Jannah Rafiuddin Rafiuddin Rahmatan Setiadin Rangga Dzikrul Rabbani Rizky Amelia Rizqi Illahi Rosdiana RR. Ella Evrita Hestiandari Sahrul Siti Asmah Sri Wahyunti Suci Surianah Syafruddin Syafruddin Syarif Hidayatullah Syarif Hidayatullah Taman Firdaus Ulhaq, Muhammad Zia