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All Journal IJTIHAD Islamic Ecomonics Journal Al-Ijtima`i: International Journal of Government and Social Science FIKRAH Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal EK dan BI Al-Azhar Journal of Islamic Economics MUAMALATUNA Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Disclosure: Journal of Accounting and Finance Jurnal Ekonomi Regional Unimal Kunuz: Journal of Islamic Banking and Finance Jeksyah Maqrizi : Journal of Economics and Islamic Economics EKOBIS SYARIAH el hisbah: Journal of Islamic Economic Law I-PHILANTHROPY: A Research Journal on Management of Zakat and Waqf Journal of Principles Management and Bussines Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Fikrah : Jurnal Pendidikan Agama Islam
Rina Desiana
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Analisis Penyaluran Dana Infak dalam Perkembangan Usaha dan Peningkatan Keuntungan Penerima Infak (Studi di Baitul Mal Banda Aceh) Rina Desiana; Awang Darmawan Putra; Muhammad Kausar
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 (465.061 KB) | DOI: 10.30984/maqrizi.v2i1.210

Abstract

The development of infaq funds is productive by using it as business capital to empower the community's economy. With infaq funds allocated for the poor, they will get a steady income, increase their business, and develop their business so that they can live a more decent life. Increasing profits is the ultimate goal of successful businesses carried out by the community, the level of profit can be used as a measure of the success of businesses receiving business capital assistance. With the increase in profits, business actors can develop their business, develop quality, better service, increase the amount of production, and can expand business branches and add employees. The purpose of this study is to analyze the distribution of infaq funds in business development and increase the profits of infaq recipients. This research is a descriptive-based research with a qualitative approach, the data used in this study are primary data and secondary data. The results of this study are the distribution of infaq funds as business capital to provide business development and increase the profits of recipients of infaq funds as business capital.
Analisis Praktik Utang Piutang Jual Beli Kopi Dalam Perspektif Ekonomi Islam (Studi Pada Desa Rikit Musara Kecamatan Permata Kabupaten Bener Meriah) Rahmiati Rahmiati; Fithriady Ilyas; Rina Desiana
EKOBIS SYARIAH Vol 4, No 1 (2020)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (545.332 KB) | DOI: 10.22373/ekobis.v4i1.10045

Abstract

Utang piutang dalam jual beli kopi merupakan muamalah yang diperbolehkan dalam ajaran Islam yaitu sebagai tolong menolong. Tujuan penelitian ini untuk mengetahui bagaimana praktik utang piutang dan apakah praktik yang dilakukan sudah sesuai dengan prinsip dasar ekonomi Islam. Jenis penelitian ini adalah kualitatif deskriptif dan metode pengumpulan data menggunakan wawancara, observasi, dan dokumentasi. Hasil penelitian ini menyimpulkan bahwa sebagian besar masyarakat belum mengetahui konsep utang piutang sesuai dengan prinsip dasar ekonomi Islam. Sebagian kecil masyarakat di desa Rikit Musara sudah melakukan dan mengetahui  praktik utang piutang sesuai dengan prinsip dasar ekonomi Islam. Yaitu tauhid (keesaan Tuhan), ta,awun (tolong menolong) dan kemaslahatan.
Aplikasi Wadhiah Yad Amanah dan Wadhiah Yad Dhamanah Pada Perbankan Syariah Rina Desiana; Awang Darmawan Putra
EKOBIS SYARIAH Vol 1, No 2 (2017)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (787.197 KB) | DOI: 10.22373/ekobis.v1i2.10000

Abstract

Dalam Bank Syariah penghimpunan dana dari masyarakat yang dilakukan dengan salah satu prinsipnya, yaitu wadhiah. Wadhiah merupakan salah satu prinsip yang digunakan Bank Syariah dalam memobilisasikan dana masyarakat. Wadhiah merupakan titipan murni yang setiap saat dapat diambil jika pemiliknya menghendaki. Secara umum wadhiah terdiri dari dua jenis, yaitu: yad al amanah dan yad dhamanah. Penelitian ini membahas secara teori aplikasi kedua bentuk wadhiah yang diterapkan pada perbankan syariah. Bentuk penelitian ini adalah kualitatif deskriptif dengan studi telaah terhadap teori dan fenomena yang terjadi. Hasil penelitian ini menjelaskan bahwa dalam sistem perbankan syariah, akad wadhiah yad amanah sebenarnya diterapkan pada produknya safe deposit box, tetapi karena adanya penyewaan tempat dalam produk tersebut, maka akad tersebut berubah menjadi akad sewa menyewa atau ijarah. Sedangkan pada akad wadhiah yad dhamanah, pada perbankan syariah diterapkan dalam bentuk produk rekening tabungan dan rekening giro.
Analisis Sistem Ujrah Buruh Tani Padi (Kajian di Gampong Mon Ara Kecamatan Montasik Kabupaten Aceh Besar) Nuraini Nuraini; Fithriady Ilyas; Rina Desiana
EKOBIS SYARIAH Vol 4, No 2 (2020)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (637.037 KB) | DOI: 10.22373/ekobis.v4i2.10052

Abstract

Konsep upah dalam Islam harus adil dan layak, upah pada umumnya memiliki berbagai macam bentuk yang mencakup semua sektor, termasuk di dalamnya sektor pertanian. Penelitian ini dilakukan untuk mengetahui bagaimana sistem ujrah serta untuk menguji kecocokan sistem ujrah buruh tani padi dengan perspektif ekonomi Islam. Penelitian ini difokuskan pada sistem ujrah harian terhadap buruh tani padi. Metode penelitian yang digunakan adalah metode kualitatif yang bersumber dari data-data yang dihasilkan dengan teknik: observasi, wawancara dan dokumentasi. Berdasarkan hasil penelitian ini menunjukkan bahwa sistem ujrah yang dipakai ialah sistem upah harian dan ada kesenjangan syariah terhadap praktik pemberian upah kepada buruh tani yaitu ketika musim menanam padi adanya penundaan pemberian upah dan ketika musim mengangkut padi (seumangkee padee) adanya ketidaksesuian pemberian upah kepada buruh tani sesuai dengan hasil kerja keras buruh upah. Sebagaimana menurut perspektif ekonomi Islam bahwa diberikannya upah harus dengan prinsip adil dan layak.
Pengaruh Penyembelihan Halal Terhadap Perilaku dan Kepuasan Konsumen Awang Darmawan Putra; Rina Desiana; Muhammad Alhalim
EKOBIS SYARIAH Vol 6, No 2 (2022)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v6i2.17355

Abstract

Sumber Daya Manusia dalam kehidupan sehari-hari tidak pernah terlepas dengan pemenuhan kebutuhan atau konsumsi.  Aceh merupakan daerah yang sangat berpegang teguh pada syariat Islam, mayoritas masyarakat Aceh sebagai Muslim sudah seharusnya memiliki kesadaran sepenuhnya terkait kehalalan apa yang dikonsumsi. Penelitian ini bertujuan untuk menganalisis pengaruh penyembelihan halal terhadap perilaku dan kepuasan konsumen pada salah satu pasar di Provinsi Aceh. Penelitian menggunakan metodologi dengan pendekatan kuantitatif. Berdasarkan hasil penelitian yang dilakukan terhadap 100 responden maka dapat disimpulkan bahwa variabel penyembelihan halal berpengaruh secara parsial terhadap perilaku dan kepuasan konsumen.
IMPLIKASI EFISIENSI KINERJA ORGANISASI PENGELOLA ZAKAT TERHADAP TINGKAT KEMISKINAN DI INDONESIA TAHUN 2012-2015 Rina Desiana
Ijtihad Vol. 11 No. 2 (2017)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (723.94 KB) | DOI: 10.21111/ijtihad.v11i2.2582

Abstract

Kehadiran Organisasi Pengelola Zakat (OPZ) yang beroperasi pada skala usaha kecil dalampenghimpunan dan penyaluran dana zakat mengindikasikan adanya perhatian khusus dalammendayagunakan zakat sebagai salah satu instrument keuangan Islam yang bertujuan untukkesejahteraan masyarakat. Dewasa ini, muncul berbagai isu inefisiensi pengelolaan dana zakatyang tidak akan mampu membangun kapasitas organisasinya agar secara ekonomi, sosial, dankeuangan dapat berkelanjutan dalam mencapai tujuannya. Penelitian ini bertujuan untukmenganalisis implikasi efisiensi kinerja OPZ, sehingga kehadiran dan program-program yangdimilikinya dapat berimplikasi terhadap tingkat kemiskinan di Indonesia. Menggunakan metodepenelitian kombinasi. Perolehan tingkat efisiensi tersebut menunjukkan pencapaian efisiensi dalampengelolaan zakat berimplikasi terhadap tingkat kemiskinan di Indonesia, di mana perolehantingkat kemiskinan di Indonesia pada tahun 2012-2015 mengalami penurunan yang signifikan.Dengan demikian, adanya OPZ yang mengelola zakat secara efisiensi dapat menjadi salah satukontribusi dalam pengentasan kemiskinan di Indonesia melalui berbagai program baikpenghimpunan maupun penyalur secara berkelanjutan.
The Study of Food Loss and Waste According to an Islamic Economic Perspective Amira Sherlyna; Nilam Sari; Rina Desiana
Islamic Economics Journal Vol. 9 No. 2 (2023)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i2.10456

Abstract

The occurrence of food loss and waste is closely related to less effective and efficient consumer behavior that causes a lot of food wasted and excessive food waste accumulation. Consumer behavior according to Islam encompasses a series of ethics and principles of consumption: simplicity, balance, hygiene, generosity, and responsibility. The study aims to understand the impact of simplicity, balance, hygiene, generosity, and responsibility on control of food loss and waste. This research uses quantitative methods with nonprobability sampling techniques as a sampler technique. The sample in this study is 100 communities that reside in Banda Aceh City. The data analysis technique in this study is a double linear regression analysis by spreading the questionnaire. The results showed that the variables of simplicity and generosity partially influenced the control of food loss and waste. The variables balance, hygiene and partial responsibility do not affect the control of food loss and waste. Variables of simplicity, balance, hygiene, generosity, and responsibility simultaneously have a positive and significant impact on the control of food loss and waste. In this way, people are expected to change consumer habits that can damage the environment. Governments and related agencies can deal with food loss and waste by educating the public and improving infrastructure to support efficient food production processes as well as developing regulations related to food losses and waste.
Pemahaman Investor Terhadap Shariah Online Trading System (SOTS) Salsabila, Salsabila; Fithriady, Fithriady; Desiana, Rina
Disclosure: Journal of Accounting and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v3i2.8190

Abstract

Investing is one of the most prominent activities in Islam. But before investing, every potential investor should have a sufficient understanding of the world of investment. This research was carried out to know the level of understanding of students of Shariah Online Trading System (SOTS) as well as to learn the steps taken by the Shariah Investment Gallery in giving the right understanding to investors. The method used is the mixed method (Quantitative - Qualitative). The results of research using quantitative methods showed that the level of understanding of investment students investors related to the mechanism of stock trading using SOTS belonged to the low category of 54.5%. Further reinforced by the results of the qualitative data analysis that also obtained that investor understanding is categorized in the level of translated understanding which is the lowest level of understanding. The steps taken by all managers of the Sharia Investment Gallery in providing the right understanding to investors is through activities such as socialization, education, as well as discussion.
FAKTOR YANG MEMPENGARUHI MINAT MILENIAL DALAM MENGGUNAKAN JASA PEGADAIAN SYARIAH Desiana, Rina; Ihsan, Faryal Musnadi
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 1 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i1.17216

Abstract

The presence of sharia pawnshops can also have a positive impact because the main purpose of pawnshops is to help people who are in need of funds so they are free from bondage to bondage practices. The purpose of this research is to find out the Factors Influencing Millennial Interest in Using Sharia Pawnshop Services. This research method uses a quantitative method with data collection techniques by distributing questionnaires to 100 respondents, namely the people of Southwest Aceh Regency who belong to the millennial generation and also sharia pawnshop customers. The partial test results show that the location variable (X1) has no significant effect on millennial interest in using sharia pawnshop services, while the Promotion Variable (X2) and Service Quality (X3) has a significant effect on millennial interest in using sharia pawnshop services. Furthermore, the results of the simultaneous test show that the variables of location, promotion, and service quality jointly affect millennial interest in using sharia pawnshop services
LANDASAN ETIKA DALAM EKONOMI ISLAM Rina Desiana; Noni Afrianty
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2017)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v3i1.1166

Abstract

Every economic system is certainly based on the ideology that provides the  foundation and goal on the one hand and the axioms and principles on the other. Every economic system create a framework in which a socio-economic communities can take advantage of the natural resources and human for the sake of production and distribute them for consumption. In this case, Syed NawabHaider Naqvi transform the ethical values of Islam into a set of axioms, that is tauhid (Unity), equilibrium, free will, and responsibility. A set of axioms can be used as a reference in formulating economic behavior consistent. Axiomatic approach in Islamic economics is an analytical tool used to draw up the basic elements of Islamic economics. With sourced from the Al-Qur’an and the Hadith, the Islamic ethical axiom set has been built to meet the five characteristics logically fundamental axioms of the system.
Co-Authors Abrar Amri Amira Sherlyna Ana Fitria Ana Fitria Analiansyah Ayumiati Azimah Dianah Azzuhra, Alfia Cut Dian Fitri Evy Iskandar Faradika, Faradika Firjatullah F Fithriady Ihsan, Faryal Musnadi Khairul Amri Khairul Amri Marwa, Inayah Putri Maulida Yani, Nanda Muhammad Alhalim Muhammad Kausar Muhammad Rival Hasibuan Muhammad Zamzami Muhammad Zulhilmi Nada, Qathrin Nilam Sari Noni Afrianty Nuraini Nuraini Oktarina, Amimah Puan Maharani Putra, Awang Darmawan Rahmiati Rahmiati Ratna Yunita Salsabila, Salsabila Siti Laila Rahmatina