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KRITIK TERHADAP IMPLEMENTASI AKAD MURABAHAH DI LEMBAGA KEUANGAN SYARIAH (Studi Kasus Pada Bank Umum Syariah Kota Mataram) Baiq El Badriati
IQTISHADUNA Vol. 8 No. 2 (2017): Desemeber 2017
Publisher : UIN Mataram

Murabahah adalah salah satu akad jual beli bernilai tijarah yangmempunyai nilai keuntungan. Akad murabahah merupakan akadyang paling populer dan digemari oleh masyarakat Indonesia.Murabahah menjadi “idaman” di lembaga keuangan syariahkarena profil risiko untuk pembiyaan jenis ini cenderung lebih kecildibandingkan dengan pembiayaan yang lain seperti mudharabahdan musyarakah. Namun terdapat catatan mengenai pembiayaanmurabahah ini, di antaranya bahwa sistem margin pada pembiayaanmurabahah, mudah disalahartikan sebagai konsep “kredit syariah”oleh masyarakat awam. Di sisi lain, secara makro, pembiayaan jenisini membuat nuansa moneter menjadi lebih menonjol dibandingkansektor riil, karena pembiayaan murabahah pada umumnya bersifatkonsumtif, sehingga tidak sesuai dengan cita-cita ekonomi Islamyang menuntut keseimbangan antara sektor moneter dan sektorriil.

PELUANG DAN TANTANGAN LITERASI PASAR MODAL SYARIAH DI MATARAM Ahmad Amir Aziz; Baiq Elbadriati
istinbath Vol 18 No 1 (2019): Juni
Publisher : Universitas Islam Negeri Mataram

Tingkat literasi pasar modal syariah secara nasional masih sangat minim, dibandingkan dengan literasi sektor keuangan lainnya, tidak terkecuali di daerah. Penelitian ini bermaksud menelusuri peluang yang ada dan hambatan yang muncul, dengan mengambil kasus di kota Mataram, untuk kemudian dihasilkan model literasi pasar modal syariah. Hasil studi menunjukkan, dengan berkembangnya trend syariah dan dukungan DSN-MUI dan OJK, peluang berkembangnya literasi cukup kuat. Minat investasi masyarakat dan keterlibatan aktif civitas akademika kampus, merupakan faktor penentu lainnya. Sedangkan tantangan terbesarnya adalah belum adanya persepsi yang positif di kalangan masyarakat atas keberadaan pasar modal syariah itu. Model literasi yang ada selama ini seperti sekolah pasar modal dan seminar dapat dikembangkan lagi dengan jenis dan bentuk literasi yang lebih sesuai dengan kelompok sasaran sehingga menghasilkan komunitas yang well-literated.

SONGKET SUBHANALE WEAVING PRODUCTIVITY IN FORMING THE ECONOMIC INDEPENDENCE OF SASAK WOMEN Baiq El Badriati; Nur Syam; Sirajul Arifin
istinbath Vol 20 No 2 (2021): Desember 2021
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v20i2.385

Research on the productivity of Songket Subhanale weaving in forming Sasak women’s Economic Independence was carried out because of the researchers’ interest in the reality of weaving culture in Sukarara, Central Lombok. Sukarara Village is one of the villages that is still sustainable in carrying out the authentic traditions of Sasak culture. One of them is the culture of weaving in the Sasak term “nyesek” which is done manually by hand and simple tools but has economic value and the output has a high selling potential. The above reality is scientifically studied through qualitative research with an ethnographic approach to obtain definite and academically accountable answers. Qualitative ethnographic research provides an opportunity to examine holistically and specifically, related to the behavior, attitudes and characters inherent in the weavers in their daily activities. The findings in this study refer to two things as formulated in the research problem formulation, namely: 1) The productivity of Muslim songket weavers in Sukarara in carrying out their profession as songket weavers, they are very productive, this is illustrated through several indicators, namely: increased results achieved, ability doing the job, morale, self-development, quality / quality, efficiency, and effectiveness. 2) The implications of work ethic and productivity on the economic independence of Muslim songket weavers in Sukarara have been realized through several indicators, namely: working capitalists, breadwinners/family breadwinners, having confidence in business, able to manage finances, mentally prepared for financial disturbances, creative and initiative , and partners/husbands in synergy by prioritizing mutual respect between each other and having a commitment to complement each other.

ETHNOGRAPHIC STUDY OF SONGKET WEAVERS IN SUKARARA VILLAGE Baiq El Badriati; Nur Syam; Sirajul Arifin
Epistemé: Jurnal Pengembangan Ilmu Keislaman Vol 17 No 01 (2022)
Publisher : Sayyid Ali Rahmatullah Tulungagung State Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/epis.2022.17.01.27-43

This article addresses the intersection between gender, ethnicity, work performance, and economic capital. It focuses on Sasak Muslim women who weave songkets and their economic capital in Sukarara Village, Central Lombok. This article using an ethnographic approach focused on economic capital of songket weaver. The behavior, attitudes, and personalities that are inherent in weavers in their daily operations are examined holistically and particularly through qualitative research. This study found that Sasak Muslim women who weave songket fabric in Sukarara are in good performance due to their ability to use time wisely and complete tasks quickly and effectively. They are economically capable based on a lack of consumer debt, their capacity in business, their possession of investments, their ability to manage business finances, and their mental readiness for monetary turbulence. In this framework, Sasak Muslim women’s economic capital in songket weaving is separated into three roles: as the center of the family, as vehicles for personal fulfillment, and as wives.

TESTING THE RELIGIOSITY LEVEL AS A MODERATING VARIABLE TOWARDS THE PRODUCTIVITY LEVEL AND THE ECONOMIC INDEPENDENCE OF WOMEN SONGKET WEAVERS Baiq Elbadriati; Sabrang Gilang Gemilang; Vici Handalucia
ULUL ALBAB Jurnal Studi Islam Vol 23, No 2 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i2.17729

The article examines the effect of productivity level towards the economic independence of women songket weavers and their religiosity level as a moderating variable. The research was conducted in Sukarara Village, Central Lombok, NTB Province, Indonesia, by involving 1,791 women songket weavers in the area. Cluster random sampling technique was applied, and the data were analyzed quantitatively using several tests, namely instrument research, classic assumption, Moderated Regression Analysis (MRA) or interaction and statistic tests. The data processing reveals that the level of productivity significantly influences the economic independence variable. However, the religiosity level does not moderate the relation of the productivity level and economic independence of women songket weavers when making personal and mutual decisions. The significance value is 0.998 alpha 0.05, which indicates the existence of a moderation homologizer or potential moderation. Religiosity in this research is homogenous and influences no variable. It means that most of the women songket weavers have the similar level of religiosity; thus, it cannot affect their productivity level and economic independence.

TESTING THE RELIGIOSITY LEVEL AS A MODERATING VARIABLE TOWARDS THE PRODUCTIVITY LEVEL AND THE ECONOMIC INDEPENDENCE OF WOMEN SONGKET WEAVERS Elbadriati, Baiq; Gemilang, Sabrang Gilang; Handalucia, Vici
Ulul Albab: Jurnal Studi Islam Vol 23, No 2 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i2.17729

The article examines the effect of productivity level towards the economic independence of women songket weavers and their religiosity level as a moderating variable. The research was conducted in Sukarara Village, Central Lombok, NTB Province, Indonesia, by involving 1,791 women songket weavers in the area. Cluster random sampling technique was applied, and the data were analyzed quantitatively using several tests, namely instrument research, classic assumption, Moderated Regression Analysis (MRA) or interaction and statistic tests. The data processing reveals that the level of productivity significantly influences the economic independence variable. However, the religiosity level does not moderate the relation of the productivity level and economic independence of women songket weavers when making personal and mutual decisions. The significance value is 0.998 alpha 0.05, which indicates the existence of a moderation homologizer or potential moderation. Religiosity in this research is homogenous and influences no variable. It means that most of the women songket weavers have the similar level of religiosity; thus, it cannot affect their productivity level and economic independence.

ETHNOGRAPHIC STUDY OF SONGKET WEAVERS IN SUKARARA VILLAGE: Work Performance and Economic Capital Badriati, Baiq El; Syam, Nur; Arifin, Sirajul
Epistemé: Jurnal Pengembangan Ilmu Keislaman Vol 17 No 01 (2022)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/epis.2022.17.01.27-43

This article addresses the intersection between gender, ethnicity, work performance, and economic capital. It focuses on Sasak Muslim women who weave songkets and their economic capital in Sukarara Village, Central Lombok. This article using an ethnographic approach focused on economic capital of songket weaver. The behavior, attitudes, and personalities that are inherent in weavers in their daily operations are examined holistically and particularly through qualitative research. This study found that Sasak Muslim women who weave songket fabric in Sukarara are in good performance due to their ability to use time wisely and complete tasks quickly and effectively. They are economically capable based on a lack of consumer debt, their capacity in business, their possession of investments, their ability to manage business finances, and their mental readiness for monetary turbulence. In this framework, Sasak Muslim women’s economic capital in songket weaving is separated into three roles: as the center of the family, as vehicles for personal fulfillment, and as wives.

Negotiating Empowerment: Women’s Roles and Lived Experiences in Lombok’s Tourism Development Elbadriati, Baiq; Larasati, Ice Anggraini
Advances in Tourism Studies Vol. 3 No. 1 (2025): Advances in Tourism Studies
Publisher : Centre for Tourism Studies and Journal Publication of Sekolah Tinggi Pariwisata Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53893/ats.v3i1.71

This study investigates the role of artificial intelligence in driving service personalization and its subsequent effects on guest loyalty within the hospitality industry. Drawing on service quality and technology acceptance theories, the research examines how AI service quality and AI transparency influence perceived personalization, with privacy concern as a moderating factor. A survey of 412 hotel guests who interacted with AI-enabled services was analyzed using partial least squares structural equation modeling (PLS-SEM). The findings reveal that both AI service quality and AI transparency significantly enhance perceived personalization, which in turn strongly predicts guest loyalty intentions. Mediation analysis confirms that perceived personalization serves as the key mechanism linking AI attributes to loyalty outcomes. Moreover, moderation tests indicate that privacy concern weakens the positive effects of AI service quality and transparency on personalization, underscoring the boundary conditions of AI adoption in hospitality. The study contributes to hospitality and tourism literature by providing empirical evidence that AI-driven personalization is a double-edged innovation, capable of strengthening loyalty while constrained by privacy concerns. Practical implications highlight the importance of investing in transparent, high-quality AI systems and balancing personalization with ethical data practices to foster long-term guest relationships.

Analysis of the Indonesian Government's Efforts to Improve the World Ranking in SGIE (State of the Global Islamic Economy) in 2023 by Strengthening the Halal Value Chain Ecosystem and Digital Ecosystem Hasbullah, Baiq Liza Hayani; Elbadriati, Baiq; Masykuroh, Ely
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.191

This research aims to determine the efforts made by the Indonesian government to advance Indonesia as the centre of the world's Islamic economy through several things, namely strengthening the Halal value chain ecosystem and the digital ecosystem. This research uses descriptive qualitative methods, literature review type, with data collection methods through secondary data obtained from various scientific works such as journals and articles, as well as books and the internet. The research results show that the government has made many efforts to strengthen the Halal value chain and digital ecosystem by implementing appropriate policies and regulations, increasing human resources through training and mentoring, improving facilities and infrastructure, and marketing and campaigns related to halal food and halal tourism. And halal industry. These efforts have placed Indonesia in third place in the world in 2023 in the SGIE (State of the Global Islamic Economy). Keywords: SGIE, Halal value chain ecosystem, Halal food, Halal Tourism Economic creativity.

Model Pengembangan Manajemen Ekonomi Pesantren pada Unit-Unit Usaha di Pondok Pesantren Salaf Modern Thohir Yasin Nasrullah, Nasrullah; Aziz, Ahmad Amir; Badriati, Baiq El; Amini, Titik Husnawati
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 1 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i1.25298

The economic development of Islamic boarding schools through business units is an additional activity besides teaching and learning to support the operational costs of Islamic boarding schools. The purpose of this research is to find out the economic management development model of PPSM Tohir Yasin and its implications for the boarding school, alumni, administrators and the surrounding community. This research uses a qualitative approach by conducting in-depth interviews, observation, documentation, to get significant results, the interview process involves the board of CV. Tohir Yasin consists of the Director, Brand Manager and Employees of the business units. The results of this study explain that there are two economic management development models used, namely First, the holding model is a management system that combines all business units into one to facilitate the acceleration of business achievements, financial administration using the digital-based SIDIK (Collective Digital Information System) application system, vision and mission of building a cottage. The two service models are systems that are accepted to empower alumni in managing existing business units such as the business unit sector, agriculture, plantations, fisheries, animal husbandry, health, services without being paid but given honorarium from business income. Then the implication of the development of business units on the boarding school is that the alumnus is not a member of the boarding school.

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