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All Journal Jurnal Ekonomi dan Kewirausahaan Manajemen Sumber Daya Manusia Joglo IQTISHODUNA MUQTASID Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Al-Ijtimaiyyah PROCEEDING INTERNASIONAL SEMINAR MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal Ekonomi dan Bisnis Islam Al-Wijdan : Journal of Islamic Education Studies al-Uqud : Journal of Islamic Economics Adi Widya : Jurnal Pengabdian Masyarakat PROCEEDING ICTESS (Internasional Conference on Technology, Education and Social Sciences) al-Afkar, Journal For Islamic Studies Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Journal of Humanities and Social Studies JURNAL EKONOMI SAKTI (JES) Tourism Scientific Journal El-Barka: Journal of Islamic Economics and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Indonesian Journal of Islamic Economics and Business International Journal of Engagement and Empowerment (IJE2) Jurnal Ekonomi Syariah Pelita Bangsa Invest Journal of Sharia & Economic Law Journal of Islamic Economics Jurnal Iqtisaduna Jurnal Ekonomi dan Bisnis Islam (JEBI) El-Qish: Journal of Islamic Economics Indonesian Journal of Islamic Economics and Finance Jurnal Ekonomi Syariah Muslim Heritage Jurnal Akuntansi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Keadaban: Jurnal Sosial dan Humaniora Indonesian Journal of Humanities and Social Sciences Falahiya
Amin Wahyudi
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Prinsip Keadilan Distributif: Analisis Pemenuhan Produk Pembiayaan Murabahah Bil Wakalah Pos Pandemic Covid-19 Asiyah, Binti Nur; Wahyudi, Amin; Ruchmana, Ayu; Safitri, Silvi Ayu; Mustikaningsih, Emilia
KEADABAN: Jurnal Sosial dan Humaniora Vol 3, No 2 (2022)
Publisher : Fakultas Sosial dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/adab.v3i2.3615

Abstract

Pembiayaan murabahah bil wakalah menjadi pilihan baik bagi bank syariah maupun bagi nasabah, terutama di masa pos pandemic covid 19. Karakteristik pembiayaan murabahah bil wakalah yang memiliki kemudahan menjadikan nuansa keadilan kurang maksimal diterapkan. Margin pada pembiayaan murabahah merupakan reward atas kerja keras yang dilakukan oleh bank syariah dengan prinsip jualbelinya. Namun demikian pada saat prinsip wakalah, maka sejatinya reward itu menjadi hak keduabelah pihak antara bank syariah dengan nasabah meski dengan porsi yang berbeda dalam distribusinya. Paper ini bertujuan untuk menganalisis pemenuhan prinsip keadilan distributif pada pembiayaan murabahah bil wakalah. Paper ini dianalisis dengan pendekatan kualitatif dan jenis penelitian studi literature. Hasil Penelitian menunjukkan bahwa dalam upaya pemenuhan keadilan distributif pada produk pembiayaan murabahah bil wakalah, penetapan ujroh atas transaksi wakalah yang diberikan bank syariah kepada nasabah dan kewajiban pembayaran margin dari nasabah kepada bank syariah atas transaksi murabahah atas barang yang disepakati. Mengingat pada produk pembiayaan bil wakalah ada partisipasi nasabah untuk mencari barang yang hendak dibeli. Implikasi praktis dalam paper ini menerapkan bank syariah  pada ruh bisnis dan keadilan distributif antara bank syariah dan nasabah, meningkatkan trust nasabah pada pos pandemic covid 19, menjadi strategi intermediasi bank syariah atas kebutuhan barang untuk keperluan konsumtif maupun produktif.
FAKTOR-FAKTOR YANG MEMPENGARUHI WANITA DALAM MENJALANKAN BISNIS UMKM DI KABUPATEN BOJONEGORO Afian, Hayu; Wahyudi, Amin
Dinamika Ekonomi: Jurnal Ekonomi dan Bisnis Vol 17 No 1 (2024): DINAMIKA EKONOMI Jurnal Ekonomi dan Bisnis Vol.17 No.1 Maret 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Nasional (STIENAS) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53651/jdeb.v17i1.463

Abstract

Dalam menjalankan bisnis terutama di bidang UMKM terdapat beberapa faktor yang mempengaruhi terdapat Faktor Internal yang terdiri dari Minat, Pemberdayaan diri dan Motivasi dan Faktor Eksternal terdiri dari Dukungan suami/keluarga, Sumber dana, Lingkungan keluarga/keturunan, Lingkungan sosial, Peluang. Tujuan utama penelitian ini adalah untuk menganalisis Faktor-Faktor Yang Mempengaruhi Wanita Dalam Menjalankan Bisnis UMKM di Kabupaten Bojonegoro. Penelitian ini menggunakan metode pengambilan data berupa non-prbability yaitu Teknik Purposive Sampling (pengambilan sampel bertujuan) dan Snowbal Sampling (pengambilan sampel menggelinding). Pengumpulan data dengan melakukan observasi, wawancara, dokumentasi penarikan kesimpulan. Hasil penelitian ini menemukan persepsi yang berbeda-beda dari masing-masing informan. Terdapat berbagai bidang usaha yang dijalankan oleh infroman di Kabuaten Bojonegoro yaitu Kerajinan Handmade & Jasa Pelatihan Ketrampilan, Fashion dan Berbagai Craft, Wedding Organizer, Bumbu dan Camilan dan Anyaman tas. Kesimpulan dari hasil wawancara ke beberapa UMKM yang didirikan oleh wanita menjadi penjabaran yang jelas mengenai faktor yang mempengaruhi wanita dalam menjalankan bisnis UMKM di Kabupaten Bojonegoro yaitu Faktor internal minat dengan didukun keterampilan serta motivasi, faktor lainnya yang mendukung pada lingkungan sosial dan kendala adanya Kurangnya permodalan, Kurangnya support, persaingan serta keterbatasan pengetahuan di bidang IT untuk pemasaran online.
Teori Kelangkaan Ibnu Khaldun dan Relefansinya dengan Ekonomi Indonesia Suyadi, Suyadi; Wahyudi, Amin
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 4 No. 2 (2022)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v4i2.2069

Abstract

The purpose of this study is to describe the extravagant behavior studied from Ibn Khaldun's theory. We find a lot of extravagant behavior in Indonesia, where the majority of the population is Muslim. Wasteful behavior actually does not only occur in Indonesia but also occurs in developed countries. If this wasteful behavior is continuously carried out by the community, what happens can result in poverty. Meanwhile, Ibn Khaldun often criticized the extravagant behavior of advanced societies, both explicitly and implicitly. The method of writing this article is a literature study, namely looking for sources through the Library. As a tipping point where the economic life of society and civilization declines.
Etika Bisnis dalam Akuntansi Menurut Perspektif Surat Al-Baqarah Ayat 282 Nimatul Fitria Mukaromah; Amin Wahyudi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 10 (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.v6i10.2935

Abstract

Sharia accounting is no longer something new nowadays. In sharia accounting, there is a cleanup of assets as a responsibility in the form of a financial report on the use of funds. However, the facts in the field are that there are many cases in the field related to fraudulent transactions in accounting reports which can cause losses to many parties. For example, PT KAI, Jiwasraya, Garuda Indonesia, etc. Of course, this is not in line with Islamic business ethics which always pay attention to the benefit of all parties. In Surah al-Baqarah verse 282 also contains values ​​related to accounting principles, namely accountability, justice, truth and honesty. For this reason, in this research the researcher used a qualitative approach with a library study method and utilized information sources from the internet. With the aim of exploring and providing solutions regarding abuses of accountability when related to Islamic business ethics based on the perspective of al-Baqarah verse 282. The result is in Surah al-Baqarah verse 282 which includes the principles of accountability, justice and truth. Therefore, this verse can be implemented in business because it is important for companies to implement sharia accounting which is based on the values ​​contained in this verse, so that they can produce healthy and responsible financial reports in accordance with Islamic business ethics.
OPTIMIZING INSTAGRAM AS A MEANS OF PROMOTION TO INCREASE CUSTOMER INTEREST IN UNIDA BARBERSHOP Ihsan, Khozin Nur; Wahyudi, Amin
Jaksya: Jurnal Akuntansi Syariah Vol 2, No 2 (2024): Jaksya : Jurnal Akuntansi Syariah
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jaksya.v2i2.10023

Abstract

Instagram is one of the social media that is currently present in society. Instagram is currently also a promotional and advertising tool, the @u3_barber account is one of the accounts that uses Instagram social media as a promotional tool. The account contains various kinds of services and types of hairstyles. The purpose of this study is to analyze the use of Instagram as a promotional medium in spreading the content they have. This study uses a descriptive approach method with a qualitative research type. Data is collected by observation, interviews, and documentation which is defined as a problem-solving procedure that is investigated by describing or describing the state of the subject or object of research (a person, a company, etc.) at the present time based on facts that appear or as they are and the theory used is the promotion theory. The results of the study show that the use of Instagram social media as a promotional medium at Unida's Barbershop has a good impact on promotional activities through Instagram. The obstacles in using Instagram are the lack of ideas and preparation in carrying out promotional activities on Instagram. And the lack of utilization of the features available on Instagram. The solution to the obstacles is to further increase the creativity of ideas that can develop Unida's Barbershop and/or form a team to manage their Instagram accounts so that they can promote more actively. their product..
Learning from the Bangladeshi Islamic Microfinance Model for Sharia Microfinance Development in Indonesia Nur Azizah, Adinda Rizqi; Wahyudi, Amin; Ahmad, Raisha Salisa
El-Barka Journal of Islamic Economics and Business Vol. 8 No. 2 (2025)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v8i2.12329

Abstract

The extreme institutional fragmentation of Indonesia's 4,500+ BMT units has led to an inability to achieve economies of scale despite serving 3.7 million customers with assets of Rp 16 trillion, while the Bangladesh centric bank model (RDS-IBBL) serves 520,000 members with high efficiency but at the expense of social closeness, creating a trade-off of efficiency versus embeddedness that requires systematic investigation. The research uses a comparative qualitative method by analyzing academic literature 2008-2025, institutional reports (UNDP, Bangladesh Bank, OJK, LAZ), and regulatory documents through comparative descriptive analysis of six dimensions with multi-source triangulation validity. Empirical findings show that the Bangladesh bank-centric model achieved a recovery rate of >95% and increased the income of 72% of participants, while the Indonesian community-based model had a recovery rate of 85-90% but was resilient during the 1997-1998 crisis, with a dominance of 70-80% in both countries, explained five factors: transaction cost economics, extreme information asymmetry, institutional path dependency, regulatory constraints, and customer preference for certainty. The theoretical contribution validates the path dependency theory that institutional design shaped by historical trajectories is different (the legacy of the Grameen Bank versus the tradition of mutual cooperation) and rejects the assumption of convergence by proving persistent diversity that is context-dependent. The policy implications include five recommendations: a national apex body BMT for shared services while preserving local autonomy; Sharia Microfinance Academy with a target of 5,000 certified professionals in 5 years; harmonization of OJK regulations, Ministry of Cooperatives, Ministry of Religion; dual-track financing strategy to increase PLS proportion from <20% to 40% in 5 years; and the Structured Waqf Zakat Microfinance Integration Model Graduated Approach (70-80% Mustahiq to become muzakki in 2-3 years), requires a national coordination framework to transform the MFI ecosystem from atomistic fragmented to networked professionals to contribute optimally to the SDGs.
Co-Authors Adlan, Muhamad Aqim Afian, Hayu Ahmad, Raisha Salisa Aidiawati, Ria Alwa, Moh. Abdul Aziz Andina, Wida Arif Nur Saputro Aris Ashar Arsyadani, Achmad Arfinanto Asri Laksmi Riyani, Asri Laksmi Astrin, Lily Aysiyah, Erinda Azis, Ishan A’yuni, Ika Khuril Binti Nur Asiyah ERNI WIDAJANTI Eva Nur Safitri Fadhil Wafa Fahmi, M. Fitrul Farikha, Nur Lailatul Firdaus, Anisah Herukusumo, Krisna Prabowo Holle, Moh. H. Ihsan, Khozin Nur Intan Qurratulaini Izzati, Sayyida Alya Kinanti, Karunia Krisna Prabowo Herukusumo Laila Tri Nurmasari Launiya, Khiyaratul Legowo, Legowo Marisa Anggraini Mashudi Mashudi Meri Anti Khusnawati Mugi Harsono Muhammad Syahrul Hidayat Mustikaningsih, Emilia Mustofa, Hafidz Zainul Nadiaty, Afia Halida Nihayatul Umniyah Salsabila Nimatul Fitria Mukaromah Ningrum, Eka Rahayu Puspita Nur Azizah, Adinda Rizqi Nur ‘Azah Panji Sudono Bekti Parji Parji Pudihastuti, Fitri Purwaningsih, Reza Retma Qomarul Huda, Qomarul Rahma, Mevianti Nur Rizki Julianto Suwardi, Putra Ruchmana, Ayu Safitri, Eva Nur Safitri, Silvi Ayu Saputro, Arif Nur Septiana , Ayuk Siti Marpuah, Siti Sriwidodo, Untung Sunarso Sunarso Suprayitno Suprayitno Suprihatmi Sri Wardiningsih Sutarno Sutarno Suyadi Suyadi Tulus Haryono, Tulus Wahyuningsih, Triana Waskitanto, Bagus Ardyan Wida Andina Windiatmoko, Gentur Winih, Titik Sri Yani Febriani, Yani Yuliantoro, Septian Eko