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All Journal Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Economics and Management Research
Uliyatul Mu’awwanah
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Manifestasi Tazkiyah an-Nafs dalam Peranan “Sukuk Negara” sebagai Instrumen Pembangunan Ekonomi Multidimensional Uliyatul Mu’awwanah
Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Vol 1 No 1 (2019): November
Publisher : INAIFAS Press

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Abstract

Tulisan ini berupaya membahas konsep syariah yang dipakai sebagai landasan penerbitan sukuk. Konsep islam dalam pembangunan ekonomi memang tidak hanya konsep growth seperti dalam konvensional, namun lebih meluas yakni konsep pertumbuhan materiil juga harus terintegrasi dengan pertumbuhan dimensi spiritual dan moral, inilah yang disebut dengan konsep tazkiyah an-nafs atau proses penyucian jiwa (purification). Sebagai salah satu instrumen dana pembangunan ekonomi, sukuk merupakan opsi yang baik bagi para investor dalam mengelola keuangan terutama dalam hal manajemen investasi. Secara garis besar sukuk adalah surat berharga yang diterbitkan bedasarkan prinsip syariah yang merepresentasikan bukti kepemilikan investor atas aset yang menjadi dasar penerbitan sukuk. Adanya fitur underlying asset menjadi sebuah pembeda yang sangat tajam dengan obligasi lainnya, hal ini menunjukkan bahwa konsep periilan utang yang terdapat pada obligasi konvensional dinilai kurang menguntungkan bagi para investor. Secara keseluruhan, tulisan ini mengandung misi untuk merperkaya khazanah keilmuan dalam bidang ekonomi islam dengan berdasarkan kondisi empiris perilaku ekonomi (economic behavior) penulis pribadi dan masyarakat luas.
Propaganda GNNT dalam Mewujudkan Economic Behavior Berbasis Less Cash Money Uliyatul Mu’awwanah
Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Vol 2 No 1 (2020): Mei
Publisher : INAIFAS Press

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Tulisan ini berupaya untuk membantu upaya pemerintah dalam meningkatkan awareness serta menambah khazanah keilmuan ekonomi Islam dalam masyarakat kekinian. Era digital menuntut manusia untuk selalu beradapatasi dalam setiap aspek kehidupannya termasuk dalam berekonomi. Keinginan individu untuk senantiasa memenuhi kebutuhan hidup merupakan suatu naluri alamiah manusiawi, revolusi era digital ini mau tidak mau menjadikan masyarakat untuk meninggalkan perilaku ekonomi (economic behavior) yang dinilai sudah tidak relevan. Era kemajuan teknologi dan globalisasi merupakan tantangan bagi bank Indonesia agar selalu meningkatkan kemananan, efisiensi, penguatan, interkoneksi sistem pembayaran yang dapat dinikmati oleh masyarakat. Sebagai regulator dalam bidang perekonomian Bank Indonesia bertanggung jawab dalam mengatur alur perekonomian suatu Negara serta dalam kaitannya dengan pasar global tentu peran BI sebagai penentu kebijakan sangatlah primer. Fenomena penggunaan uang tunai dalam masyarakat yang masih tinggi secara tidak langsung mengandung beragam konsekuensi meski dalam situasi tertentu, seperti halnya inflasi, penurunan nilai mata uang, kerusakan dalam penggunaanya, biaya ekonomi yang lebih besar serta resiko lain yang mengakibatkan BI sebagai fasilitator menciptakan suatu program peningkatan efisiensi ekonomi nasional melalui GNNT (Gerakan Nasional non-Tunai). Tujuan dari kebijakan tersebut adalah untuk memaksimalkan penggunaan transaksi pembayaran dengan memperhatikan aspek keamanan, keandalan, inklusif, efisiensi serta mengutamakan kepentingan nasional atau domestik, dikarenakan transaksi non tunai memungkinkan pengehematan pada biaya ekonomi juga perputaran uang menjadi lebih cepat. Hal ini diharapkan menjadi sebuah solusi untuk aktivitas ekonomi yang lebih baik dalam rangka mewujudkan cita cita BI bersama industri sistem pembayaran nasional berbasis less cash money .
Pendekatan Yuridis-Empiris Bagi User Apmk Terdampak Surcharge Pada Transaksi Elektronic Data Captured Uliyatul Mu’awwanah
Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Vol 2 No 2 (2020): NOVEMBER
Publisher : INAIFAS Press

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This paper intends to approach using studies juridical-empirical on the implementation of the provisions of the normative legal basis in action at every event certain law that occur within communities to explore on the factual issues that occurred related to the imposition of a surcharge(Surcharge)to consumers by Merchant as well as its correlation with the legal consequences arising from these events. As technology developed, cashless payment systems improved. Card-Based Payment Instrument (APMK) is a payment instrument in the form of a credit card (Credit Card),card Automated Teller Machine (ATM) and / or debit cards, APMKs are issued by banks as acquirers, while customers as card holders are legitimate APMK users. Merchants as entrepreneurs or merchants collaborate with banks by providing payment system services in the form of EDC (machinesElectronic Data Captured)as a tool for processing transactions. In accordance with Bank Indonesia Regulation Number 11/11 / PBI / 2009, the surcharge is prohibited because it is detrimental to the customer as the card holder . Tulisan ini bermaksud melakukan pendekatan menggunakan kajian yuridis-empiris tentang pemberlakuan ketentuan hukum normatif secara in action pada setiap peristiwa hukum tertentu yang terjadi dalam masyarakat guna mengeksplorasi tentang isu faktual yang terjadi terkait pembebanan biaya tambahan (Surcharge) kepada konsumen oleh Merchant serta korelasinya dengan akibat hukum yang timbul atas peristiwa tersebut. Seiring berkembangnya teknologi, sistem pembayaran non-tunai meningkat. Alat Pembayaran Menggunakan Kartu (APMK) adalah alat pembayaran yang berupa kartu kredit (Credit Card), kartu Automated Teller Machine (ATM) dan/atau kartu debet, APMK diterbitkan oleh perbankan selaku acquirer, sedangkan nasabah sebagai pemegang kartu adalah pengguna APMK yang sah. Merchant sebagai pengusaha atau pedagang melakukan kerjasama dengan bank dengan menyediakan pelayanan jasa sistem pembayaran berupa mesin EDC (Electronic Data Captured) sebagai alat untuk memproses transaksi. Sesuai dengan Peraturan Bank Indonesia Nomor 11/11/PBI/2009, pembebanan surcharge adalah sesuatu yang dilarang karena merugikan nasabah sebagai card holder (pemegang kartu).
Implementation of Sharia Economic Principles on Duck Farming Business Performance in Pondokwaluh Hamlet Vina Maulidatul Khasanah; Uliyatul Mu’awwanah
International Journal of Economics and Management Research Vol. 4 No. 1 (2025): April : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i1.286

Abstract

This study analyzes the implementation of sharia economic principles on the performance of duck farming businesses in Pondokwaluh Hamlet. The purpose of this study is to examine the effect of the application of sharia economic principles on various aspects of duck farming business performance. The research method used is quantitative with a case study approach in Pondokwaluh Hamlet. Quantitative research method with case study research type, sampling with Non-probability sampling, research using certain techniques to select samples, this study uses Saturation Sampling, a sampling technique that uses all members of the population as samples. Data were analyzed using Statistical methods with SPSS (Statistical Product and Service Solutions) analysis software. The application of principles such as justice, honesty, prudence, and profit sharing systems have been shown to contribute to the sustainability and profitability of the business. However, obstacles to access to information, understanding, and limitations of sharia financial institutions need to be considered to optimize the positive impact of the application of these sharia economic principles. The results of the study are expected to contribute to the development of sustainable duck farming businesses and in accordance with sharia economic principles in Pondokwaluh Hamlet, as well as provide recommendations for policies that support improving the performance of sharia-based duck farming businesses.
Aplikasi Hybrid Contract pada Produk MJB: Studi Multiakad di BMT Nusantara Capem Kencong Lutfianah Putri; Uliyatul Mu’awwanah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.3196

Abstract

Islamic financial institution BMT (Baitul Maal wat Tamwil) develops a range of solutions to address the intricate requirements of its clients. The contract, or akad, is an essential document in muamalah transactions since it sets forth the rights and responsibilities of the parties involved. So, Islamic financial institutions, especially BMT, need to innovate, be progressive, and dynamic by upgrading their muamalah contracts so they can compete with mainstream financial institutions' goods. The use of hybrid contracts to fund savings products is one example of this kind of innovation. Therefore, the author is keen to investigate whether or not BMT UGT Nusantara Branch Kencong's contracts are legitimate. The researchers at BMT UGT Nusantara Branch Kencong set out to learn more about hybrid contracts, which include more than one contract. In order to bring theory and practice into harmony, this study employs a qualitative methodology that combines primary and field data. Scholars approve of these hybrid contracts, according to the results, provided they don't go against Sharia norms and principles. To prevent unfair treatment of individuals, these hybrid contracts aim to define rights and responsibilities more precisely. It follows that purchasing MJB items via hybrid contracts at BMT Nusantara Branch Kencong is lawful and in accordance with Sharia law. In addition, both BMT and its clients may benefit from muamalah via these hybrid contracts.
Dimensi Pembentuk Ketertarikan Investor Memilih Produk Cilem BSI Kencong Nadia Silviatus Sa’diya; Uliyatul Mu’awwanah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.3211

Abstract

Islamic investment has become an attractive choice for Indonesian society looking to grow their funds while adhering to Islamic law. BSI Kencong, part of Bank Syariah Indonesia (BSI), offers the Cilem investment product designed to meet these needs. This research aims to identify the factors influencing public interest in investing in Cilem at BSI Kencong. The research method employed is qualitative, utilizing literature review and customer testimonial analysis. Data was gathered from various sources, including official BSI publications, Islamic investment literature, and customer reviews. The findings reveal several key factors driving public interest in Cilem investments. Firstly, the competitive profit potential is a major attraction, supported by expertise in investment management and diversification across safe Sharia-compliant instruments. Secondly, the security and trust provided by BSI Kencong, overseen by the Financial Services Authority and the National Sharia Board of MUI, instill confidence in customers. Thirdly, adherence to Islamic principles is crucial, evidenced by Sharia certification from the National Sharia Board of MUI. Additionally, ease of access and transactions play a significant role. BSI Kencong offers various channels including branches, the BSI Mobile app, website, and agents, enhancing customer convenience. Friendly and professional service from BSI Kencong staff adds to customer comfort and satisfaction. Active promotion and education efforts by BSI Kencong increase public awareness and understanding of Cilem products. Positive testimonials from investors demonstrate real benefits, encouraging prospective customers to participate. Lastly, the desire to support the growth of Islamic economy in Indonesia further strengthens public interest in Cilem investments. In conclusion, the combination of factors such as profit potential, security and trust, Sharia compliance, ease of access, professional service, promotion and education, positive testimonials, and support for Islamic economy collectively create a compelling attraction for the public to invest in Cilem products through BSI Kencong.
Analisis Banking Channel Terhadap Kepuasan Muzakki BAZNAS Jember Jauhairina Galini; Uliyatul Mu’awwanah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.3435

Abstract

Account transfer service, known as Banking Channel, is a service provided by the National Zakat Agency (BAZNAS) Jember, facilitating payments of Zakat, Infaq, and Shodaqoh through bank account transfers to BAZNAS Jember's designated account. This study aims to determine and analyze the impact of zakat account transfer services or Banking Channel on the satisfaction of muzakki (those who pay zakat) at BAZNAS Jember District. This research adopts a quantitative approach. Data collection method involves using questionnaires. Probability sampling is employed for sample selection, and the sample size is determined using the Slovin formula, resulting in 94 respondents. The analysis technique used is simple linear regression analysis. Based on the research findings, it is concluded that zakat account transfer services or Banking Channel significantly influence muzakki satisfaction at BAZNAS Jember. Hypothesis testing results indicate that the banking channel service (X) has a positive and significant effect on muzakki satisfaction at BAZNAS Jember (Y), confirming that the hypothesis regarding the banking channel service's impact on muzakki satisfaction at BAZNAS Jember is supported and accepted.
Co-Authors Jauhairina Galini Lutfianah Putri Nadia Silviatus Sa’diya Vina Maulidatul Khasanah