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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.

Perspective of Small Medium Enterprises in West Nusa Tenggara on export plans Mas'ud, Riduan; Azizurrohman, Muhammad; Hamim, Khairul; Elbadriati, Baiq; Supiandi, Supiandi
Journal of Enterprise and Development (JED) Vol. 4 No. 1 (2022): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i1.5157

Purpose — The purpose of this study is to investigate how Small Medium Enterprises (SMEs) react to their plans to engage in export activities, particularly in the province of West Nusa Tenggara (NTB).Research method — The method used in this research is descriptive quantitative by distributing questionnaires to respondents containing multiple choice and open-ended questions.Result — This study found that the majority of SMEs have been export-oriented. They want to export for a variety of reasons, including expansion of their business network, international market demand, increased company revenues, and availability of suitable raw materials. Lack of extensive overseas markets/networks, lack of understanding of export procedures, and lack of adequate Human Resources seem to be one of the reasons given by SMEs who say NO or do not want to carry out export activities (HR).Significance/contribution/recommendation — In terms of the issues covered, this study differs from others. The majority of research focuses solely on the impact of SMEs and their export prospects. Meanwhile, the focus of this research is on SMEs' responses when it comes to organizing their product export efforts.

Assessing performance of Mawar Emas as a mosque-based Islamic financing program Supiandi, Supiandi; Pramuja, Risky Angga; Yuli, Sri Budi Cantika; Yakub, Muhammad; El Badriati, Baiq
Journal of Enterprise and Development (JED) Vol. 4 No. 2 (2022): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i2.6500

Purpose — This research aims to assess the performance of the Mawar Emas program since its inception.Method — This descriptive qualitative research involves several types of respondents such as mosque administrators, Chairperson of the Masyarakat Ekonomi Syariah (MES), MES Secretary, and beneficiaries. Data obtained through in-depth interviews were processed using reduction, display, triangulation and conclusion techniques.Result — Using primary and secondary data and qualitative research techniques, the authors found that the Mawar Emas initiative supported 32 mosques in West Nusa Tenggara, totaling 1,194 prospective debtors. In terms of funding, the Mawar Emas program has a yearly budget of Rp. 1,275,000,000. However, these funds have not been used to their full potential since the program's inception. There was a decrease in funding and absorption of funds in the program's second year. Several aspects of this program must be evaluated, including increased funding, defaults, training delivery, outdated data, and the presence of profit-oriented institutions.Contribution — This study contributes by providing performance of a mosque-based Islamic financing program to reduce dependency on conventional moneylenders.

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.

The Impact of Cost Management Practices on Firm Profitability of Sri Lankan Manufacturing Companies during the COVID-19 Rooly, Mohamed Saleem Ahamed Riyad; Nimsith, Subaideen Issath; Badriati, Baiq El
Journal of Enterprise and Development (JED) Vol. 6 No. 3 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i3.11142

Purpose: This study examines the effect of cost management practices on the profitability of listed manufacturing companies in Sri Lanka, focusing on the application of Activity-Based Costing (ABC) during the COVID-19 pandemic.Method: The study employs quantitative methods to analyze secondary data from the annual reports of 70 listed manufacturing companies between 2019 and 2023. Data analysis was conducted using SPSS software, including tests for correlation, multiple regression analysis, data stationarity, autocorrelation, and multicollinearity.Result: The findings reveal a significant negative correlation between direct material costs and profitability, suggesting that effective management of material costs through ABC enhances financial performance. Similarly, direct labor costs also show a significant negative relationship with profitability, emphasizing ABC's role in optimizing labor costs to increase profits. Factory overhead costs exhibit a significant negative correlation with profitability, highlighting ABC's effectiveness in reducing non-productive overheads. In contrast, administrative expenses have an insignificant impact on profitability, indicating the limited efficacy of ABC in managing these costs. Overall, the results affirm ABC's utility in controlling production-related costs but suggest the need for alternative strategies for managing administrative expenses.Practical Implications for Economic Growth and Development: The study emphasizes the importance of efficient cost reduction methods, which can improve firm productivity, increase profitability, and support stability and economic recovery in the post-pandemic period.

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