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All Journal El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Islamic Economic and Business Research Al-Muraqabah: Journal of Management and Sharia Business
Rahma Ulfa Maghfiroh
Fakultas Ekonomi Dan Bisnis, Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia
Religion Economics, Econometrics & Finance Library & Information Science Social Sciences

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Konsep Nilai Waktu dari Uang dalam Sudut Pandang Ekonomi Islam Rahma Ulfa Maghfiroh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 2 (2019): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2019.9.2.186-195

Abstract

Kemajuan pemikiran dan peradaban manusia terus berkembang, begitu pula dengan perkembangan ekonomi yang semakin pesat. Perkembangan teori keuangan yang saat ini juga bermunculan sehingga menjadi masalah yang hangat diperdebatkan, salah satunya adalah konsep time value of money atau lebih dikenal dengan nilai waktu dari uang. Konsep nilai waktu dari uang ini menyebutkan bahwa nilai uang saat ini lebih berharga dari sejumlah nilai uang yang sama di masa mendatang. Agar uang tidak tergerus nilainya seiring dengan berjalannya waktu maka hal tersebut tidak terlepas dari yang namanya bunga. Menurut konsep ekonomi Islam menegaskan bahwa dalam al-Quran telah mengharamkan bunga atas uang, di mana hal tersebut disamakan dengan riba. Dalam berbagai pandangan yang dikaji dari sudut pandang Islam teori nilai waktu dari uang bertentangan dengan prinsip ekonomi Islam. Dalam ekonomi Islam, uang bukanlah-modal serta tidak memberikan kegunaan, namun fungsi uang tersebut yang memberikan kegunaan. Dalam Islam memandang time value of money yang populer dengan nilai waktu uang kemudian digantikan dengan konsep economic value of time. Konsep tersebut menunjukkan bukan uang yang memiliki waktu, namun waktulah yang memiliki nilai ekonomis. Maka dalam tulisan ini, penulis akan mencoba menjawab bagaimana konsep nilai waktu dari uang dalam sudut pandang ekonomi Islam?, dengan metode kualitatif dan pendekatan library research didapat bahwa dalam ekomoni Islam tidak mengenal nilai waktu uang atau time value of money namun teori economic value of time lah yang dianggap benar dari pandangan ekonomi Islam. Artinya uang itu sendiri sebenarnya tidak memiliki nilai waktu, namun waktulah yang memiliki nilai ekonomis.
Strategi Peningkatan Volume Penjualan UMKM Keripik Pisang Definas di Era Pandemi Covid-19 Rahma Ulfa Maghfiroh
Al-Muraqabah: Journal of Management and Sharia Business Vol. 2 No. 1 (2022): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (225.804 KB) | DOI: 10.30762/almuraqabah.v2i1.190

Abstract

The MSMEs of definas banana chips have to be able to survive and compete during the COVID-19 pandemic. This study aims to identify the implementation of the 4P marketing mix in an effort to increase sales volume of Definas banana chips during the covid-19 pandemic, as well as analyze effective and efficient marketing strategies to be able to compete with competitors. The method uses descriptive qualitative through observation, document study, and in-depth interviews with business actors and several consumers of Definas banana chips. The results showed that the marketing strategy in the form of a marketing mix consisting of product, price, place and promotion carried out by Definas banana chips was able to survive the covid-19 pandemic. There are still several strategies that must be improved related to products and promotions in order to increase the competitiveness of Definas banana chips products.
The Role of Sharia Financial Innovation and Literacy in Improving the Performance of MSME Actors Iman Supriadi; Rahma Ulfa Maghfiroh; Rukhul Abadi; Dewi Mumpuni Yudowati
Journal of Islamic Economic and Business Research Vol. 3 No. 2: December 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v3i2.193

Abstract

This study aims to analyze the role of innovation and Islamic financial literacy in improving the performance of MSME actors in the context of Islamic economics. This study also aims to evaluate the impact of innovation and Islamic financial literacy on MSME growth and contribute to the sustainable development of MSMEs. This qualitative research applied a literature approach and document analysis to collect relevant data and information. A literature review was also conducted to identify indicators of the success of Islamic financial innovation and literacy in MSMEs and appropriate evaluation methods. Other research data included previous research results and related case studies. The results of this study revealed that MSMEs that implement Islamic financial innovation and literacy tend to experience improved performance. Product and process innovation, selection of Islamic financial instruments, and financial management by Sharia principles contributed positively to increasing MSME income, productivity, and operational efficiency. This research contributes to understanding the critical role of innovation and Islamic financial literacy in improving the performance of MSME actors. The findings of this study can serve as a reference for relevant stakeholders, including MSME actors, government, and Islamic financial institutions, in developing supporting policies and programs that strengthen innovation and Islamic financial literacy in MSMEs.
Co-Authors Dewi Mumpuni Yudowati Iman Supriadi Rukhul Abadi