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All Journal Primanomics : Jurnal Ekonomi & Bisnis JAS-PT Jurnal Analisis Sistem Pendidikan Tinggi E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurnal Pendidikan dan Konseling Contagion: Scientific Periodical Journal of Public Health and Coastal Health International Archives of Medical Sciences and Public Health International Archives of Medical Sciences and Public Health Journal Of Business, Finance, and Economics (JBFE) Journal of Innovative and Creativity
Fitri Hayati
Universitas Islam Negeri Sumatera Utara
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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p Fitri Hayati; Adisty Aulia Zahra; Widya Anggraini; Yauma Afriyanti; Amanda Mutiara Hasibuan
Journal Of Business, Finance, and Economics (JBFE) Vol 6 No 1 (2025): Juni : Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v6i1.6702

Abstract

This study employs a qualitative method with a literature review approach to examine the economic thought of al-Ghazali, a prominent scholar in the Islamic intellectual tradition renowned not only for his contributions to Sufism and philosophy but also for his insights into economic and social ethics. The research aims to explore situs big77 al-Ghazali’s contributions to Islamic economics, particularly in the framework of justice, ethical trade, and equitable wealth distribution. The study begins by tracing a brief biography of al-Ghazali, his intellectual journey, and his leadership in the classical Islamic scholarly world. The discussion then focuses on his core economic thoughts as reflected in his works such as *Ihya’ Ulum al-Din* and *al-Mustasfa*, which emphasize the balance between spiritual and material needs in economic activity. The research also explores the impact of al-Ghazali’s economic thought during the caliphate era and its relevance in modern economic contexts, especially in addressing challenges related to wealth distribution and business ethics. The findings indicate that al-Ghazali’s ideas remain relevant and can serve as a reference for developing an Islamic economic system grounded in justice and oriented toward public welfare.
The Role of Sharia Microfinance Institutions in Fulfilling the Capital Needs of Micro, Small and Medium Enterprises: Case Study of BPRS AL WASLIYAH MEDAN Aura sabbrina; Anisya Putri Ertani Daulay; Shara Jumiati Siregar; Irfan Andinata; fitri hayati
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 1 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : LPPM Universitas Buddhi Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i1.3470

Abstract

This research aims to analyze the role of sharia microfinance institutions, with a focus on PT. BPRS Al-Washliyah, in providing capital financing for MSME players, as well as identifying factors that influence the effectiveness of sharia financing in supporting the development of small businesses. One of the main challenges faced is the lack of understanding by MSME actors regarding the principles of sharia finance, thus hampering the use of these services. This research uses a qualitative descriptive approach through interviews, observations and documentation analysis to explore the relationship between sharia microfinance institutions and the growth of MSMEs, as well as finding solutions to the obstacles faced. The research results show that the Murabahah financing scheme implemented by PT. BPRS Al-Washliyah is in accordance with sharia principles as regulated in DSN Fatwa Number 04/DSN-MUI/IV/2000. This financing provides easy capital with a ceiling of up to 50 million rupiah, which contributes to the business development of MSME players. However, collateral requirements remain a challenge for some customers. To overcome these obstacles, banks implement strategies such as in-depth credit analysis, regular monitoring, and competitive product promotions. These steps demonstrate the bank's commitment to supporting the growth of MSMEs, strengthening the local economy, and encouraging sharia-based financial inclusion in society.
Co-Authors Adisty Aulia Zahra Ahsan, Abdillah Amanda Mutiara Hasibuan Andri Soemitra Anisya Putri Ertani Daulay Apriliani, Apriliani Aura Sabbrina Ayu Putri Julia Cantika Amalia Eka Lestari Fikri Syuhadi Hery Sahputra Ikhsan Ibrahim Irfan Andinata Khoirun Nisa M. Habbil Frizky Mela Safitri Situmorang Muhammad Rezebri Nadhilah Ajrina Nasri Mohammed Nurhayati Nurhayati Ponidi Ponidi Prima Yanti Siregar Putra Apriadi Siregar Putri Safira Rapotan Hasibuan Rio Febriyan Rollina Ahmad Ryan Rauzan Sari Bulan Hasibuan Shara Jumiati Siregar Sri kemuning Wulandari Syafran Arrazy Tegar Achmad Faiq Tria Indah Ristika Widya Anggraini Yauma Afriyanti