Articles
<![CDATA[EVALUATION OF THE MODEL OF EDUCATION IN ISLAMIC ECONOMICS AND FINANCE: Empirical Evidences From Indonesia and United Kingdom ]]>
<![CDATA[Euis Amalia]]>
<![CDATA[ INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 8, No 2 (2014) ]]>
Publisher : <![CDATA[State Institute of Islamic Studies (IAIN) Salatiga ]]>
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DOI: 10.18326/infsl3.v8i2.373-394
<![CDATA[This study attempts to evaluate the model of education in Islamic economics and finance that currently adopted in Indonesia and United Kingdom. The study employs the method of Analytic Network Process (ANP). This study decomposes the problem by way of undertaking in-depth interviews and questionnaires as preliminary steps to all stakes holders in these countries comprising practitioners, academicians, experts and users. In order to evaluate and measure these differences, pair-wise comparison is conducted followed by synthesis method to come up with appropriate solutions. The root of the problem comprises of internal and external, while the solution includes short term as well as long terms with strategic policy as the last outcome. The finding of this study demonstrates different results in every cluster of respective countries. Moreover, the findings reveal that quite a few challenges lie ahead in applying the best model to be used as teaching materials in these countries.]]>
<![CDATA[THE EPISTEMOLOGICAL STRUCTURE OF TAFSIR IQTISADI (THE STUDY OF AT-TAFSIR AL-IQTISADI LI AL-QUR’AN AL-KARIM BY RAFIQ YUNUS AL-MASRI ]]>
<![CDATA[Didin Baharuddin]]>;
<![CDATA[Hamdani Anwar]]>;
<![CDATA[Euis Amalia]]>
<![CDATA[ Al-Bayan: Jurnal Studi Al-Qur'an dan Tafsir Vol 6, No 1 (2021): Al-Bayan: Jurnal Ilmu Al-Qur'an dan Tafsir ]]>
Publisher : <![CDATA[Qur’anic and Tafsir studies Programme at Ushuluddin Faculty ]]>
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DOI: 10.15575/al-bayan.v6i1.12631
<![CDATA[This article discusses the epistemological structure of At-Tafsīr al-Iqtiṣādī li al-Qur'ān al-Karīm by Rafīq Yūnus al-Maṣrī. The author of this tafseer is an economist, a researcher at the Center for Islamic Economic Studies University of Malik 'Abdul' Azīz, and is active in Al-Jam'iyah Ad-Dauliyah li Al-Iqtisād London. The author's background makes this book very interesting to study because not many economists have written tafsir studies. This article is a literature study employing a descriptive-analysis method and a historical-philosophical approach. This study shows that the interpretation of At-Tafsīr al-Iqtiṣādī li al-Qur'ān al-Karīm was written in a tartib mushafi model, and predominantly used tafsīr bi ar-ra'yi with the nuances of the tafsīr iqtiṣādī. The nuances of the iqtiṣādī interpretation come from tafsīr ʻilmī, which shows scientific theories from the Qur’an. Through the tafsīr iqtiṣādī, Rafīq Yūnus al-Maṣrī attempted to show that the Qur’an can be interpreted using an economic approach and argued that the Qur’an provides the existence of economic theories. Among these theories are Musykilah an-Nadirah an-Nisbiyah (relative scarcity), at-Tafḍīl az-Zamanī (time preference), and Ta’dzīm al-manāfi’ (profit maximisation).]]>
<![CDATA[The Effect of Micro, Small and Medium Enterprises on Economic Growth ]]>
<![CDATA[Sri Juminawati]]>;
<![CDATA[Abd. Hamid]]>;
<![CDATA[Euis Amalia]]>;
<![CDATA[M. Arief Mufraini]]>;
<![CDATA[Ade Sopyan Mulazid]]>
<![CDATA[ Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August ]]>
Publisher : <![CDATA[Budapest International Research and Critics University ]]>
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DOI: 10.33258/birci.v4i3.2368
<![CDATA[Micro, small and medium enterprises (MSMEs) are declared very capable of playing a crucial role for a region, specifically as one of the drivers of regional economic growth. Micro, small and medium enterprises (MSMEs) are defined as a means to introduce regional creative products and provide business opportunities for enterprise actors in the regions. In addition, the role of micro, small and medium enterprises (MSMEs) actors is considered very vital in order to increase per capita income and improve the economy of a region. Consequently, micro, small and medium enterprises (MSMEs) are required to actively participate in developing the country’s economy. The results of the study showed that 90.1% of MSMEs provided significant effects on the rate of economic growth.]]>
<![CDATA[Strategic Alliances between Sharia Microfinance Institutions and Financial Technology in Strengthening Small Micro Enterprises (MSEs) ]]>
<![CDATA[Euis Amalia]]>;
<![CDATA[Indra Rahmatullah]]>
<![CDATA[ Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 13, No 2 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i2.7743
<![CDATA[Sharia microfinance and financial technology have a very significant role as an effective solution for accessing finance for small and micro-enterprises (MSEs). The research aims to investigate the business model used, type of contracts employed, other legal aspects, and the risk mitigation dimension involved. By utilizing qualitative methods and critically analyzing a specific case study related a business model by the alliances between PT Ammana Fintech Sharia and a sharia microfinance institution, BMT Syahida Ikaluin. In generating the data, interviews with several experts and practitioners. The study found that the business model used was based on crowdfunding, compliant with sharia principles dan has a strong basis both in positive law and Islamic edict (fatwa). The research showed that the strategic alliance between a sharia microfinance institution and financial technology is capable of strengthening access to capital sources for small and micro-enterprises. It also improves community financial literacy and financial inclusion. This research could contribute to the creation of innovative products concerning sharia microfinance and sharia financial technology. Furthermore, it could also become a benchmark in formulating policies to strengthen these strategic institutional alliances.]]>
<![CDATA[PERBANKAN SYARIAH DI INDONESIA: ]]>
<![CDATA[Euis Amalia]]>
<![CDATA[ Jurnal Dialog Vol 32 No 1 (2009): JURNAL DIALOG ]]>
Publisher : <![CDATA[Sekretariat Badan Litbang dan Diklat Kementerian Agama RI ]]>
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DOI: 10.47655/dialog.v32i1.122
<![CDATA[This article discusses the development of Islamic banking in Indonesia, its contribution to and role in the constellation of national economy, particularly in empowerment of medium, small and micro enterprise (UMKM) which constitutes the pillar of national economy. This article also analyses a number of challenge faced by the Islamic banking institutions and attempts made by university as the centre for research, training human recourse to be capable and comprehend Islamic economy and to professionally develop Islamic financial industries, educating and advocating society for the strengthening of the regulation implementation. This is needed in order that the acceleration and development of Islamic banking in Indonesia could be realized in short time.]]>
<![CDATA[The Realization of Directive Illocutionary Act of Male and Female English Teachers in Junior High School ]]>
<![CDATA[Euis . Amalia]]>;
<![CDATA[Rahmad . Husein]]>;
<![CDATA[Anni Holila Pulungan]]>
<![CDATA[ LINGUISTIK TERAPAN Vol 19, No 1 (2022) ]]>
Publisher : <![CDATA[Universitas Negeri Medan ]]>
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DOI: 10.24114/lt.v19i1.34325
<![CDATA[This study deals with Directive Illocutionary Act of male and female English Teacher in SMP Ad-Durrah Medan. The objectives of this study is to describe the realization of directive illocutionary act of male and female English teachers at SMP Ad-Durrah Medan. This study applied qualitative descriptive method. The techniques for collecting data are through applying observation by taking eight meetings for male and female English teachers to get realization of directive illocutionary act by male and female English. The results of this study found that realization of directive illocutionary act realized from the collaborative, competitive, conflictive , and convivial, where one of the realization was showed that the teacher makes a group discussion for doing the task and the teachers help the students by making a discussion for each student, making a collaboration for their task related to the content of their lesson and presenting the discussion in the class.]]>
<![CDATA[Solusi Financial Technology Syariah Terhadap Persoalan Keuangan Anggota Koperasi Karyawan ]]>
<![CDATA[Nuruddin Muhammad Ali]]>;
<![CDATA[Euis Amalia]]>
<![CDATA[ Al-bank: Journal of Islamic Banking and Finance Vol 2, No 2 (2022): July - Desember 2022 ]]>
Publisher : <![CDATA[IAIN Batusangkar ]]>
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DOI: 10.31958/ab.v2i2.6642
<![CDATA[This study is to seek Islamic financial solution for members of employee cooperative in a particular firm by using Financial Technology platform which meet sharia terms and conditions. Methodology is Using the existing literature on FinTech and incorporating these contributions into a traditional Islamic financial structure, characteristics are outlined and placed into a framework that describes the industry. The findings that Islamic P2P Financing could propose a solution for financial problem faced by employee who need with limited amount for short period of time which Islamic banks could not provide. The findings of the study serve as a reference to industry players and regulators in formulating peer to peer financing for employee cooperative members and other similar cooperatives. This paper contributes by defining FinTech in Islamic finance and proposes term peer to peer financing instead of peer to peer lending which is not suitable with the nature of Islamic finance.]]>
<![CDATA[Islamic Personality Model as Psychometric Tool To Assess Creditworthiness of Micro Financing ]]>
<![CDATA[Hardiansyah Hardiansyah]]>;
<![CDATA[Euis Amalia]]>;
<![CDATA[Abdul Hamid]]>
<![CDATA[ ETIKONOMI Vol 22, No 1 (2023) ]]>
Publisher : <![CDATA[Faculty of Economic and Business ]]>
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DOI: 10.15408/etk.v22i1.30370
<![CDATA[This study aims to develop an Islamic personality model as a psychometric tool to assess creditworthiness as an alternative predictive character analysis for micro businesses. The method designed to formulate the proposed model coded in R Studio uses two approaches. First, we modify Moslem Religiosity Personality Inventory and then frame a structural model based on Partial Least Square. Subsequently, we use the random forest technique to see the model's accuracy. The result shows a valid and reliable model and performs with 89.47 % accuracy with an Area Under Curve -Receiver Operating Characteristic of 90.06 %. This model implies a solution to strengthen the assessment of the character of creditworthiness of a potential micro-business and helps Islamic Financial Institutions to assess prospective micro-business to determine credit risk and pricing.JEL Classification: B41, D81, D87, G21, P43How to Cite:Hardiansyah., Amalia, E., & Hamid, A. (2023). Islamic Personality Model as Pychometric Tool To Access Creditworthiness of Micro Financing. Etikonomi, 22(1), 233–246. https://doi.org/10.15408/etk.v22i2.30370.]]>
<![CDATA[Pengolahan Kompos Sistem Bokashi dari Sampah Organik Limbah Dapur sebagai Upaya Peningkatan Kesehatan Masyarakat ]]>
<![CDATA[Mohammad Imam Sufiyanto]]>;
<![CDATA[Ihwana As’ad]]>;
<![CDATA[Euis Amalia]]>;
<![CDATA[Mulono Aprianto]]>;
<![CDATA[Wuri Ratna Hidayani]]>
<![CDATA[ Bubungan Tinggi: Jurnal Pengabdian Masyarakat Vol 5, No 1 (2023) ]]>
Publisher : <![CDATA[Universitas Lambung Mangkurat ]]>
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DOI: 10.20527/btjpm.v5i1.7617
<![CDATA[Permasalahan serius di desa Bunder adalah belum terbentuknya pengolahan sampah organik. Pengabdian kepada Masyarakat (PkM) ini memiliki tujuan untuk mengatasi pengolahan sampah yang ditimbulkan oleh banyaknya sampah organik yang dibuang setiap harinya. Metode demonstrasi digunakan dalam pengolahan sampah organik menjadi kompos. Waktu pelaksanaan adalah 14 Juni-9 Juli 2021. Sasaran kegiatan ini ialah masyarakat sekitar desa Bunder. Melalui kegiatan ini didapatkan beberapa kendala yang menghambat proses pengomposan, adanya belatung serta bau dari kompos yang dihasilkan namun menjelang pada minggu ke tiga bau dan belatung mulai hilang seiring terbentuknya kompos siap pakai. Kegiatan pengabdian berupa pengolahan dari sampah organik menjadi pupuk kompos yang telah dilakukan bisa menjadi satu pemecahan masalah dalam mengurangi sampah di lingkugan lingkup terkecil yaitu rumah. Oleh karena itu diperoleh simpulan bahwa pengolahan kompos menggunakan bokashi efektif dalam mengurai sampah organik sehingga akan mengurangi jumlah sampah organik di setiap rumah yang ada di Desa Bunder.A serious problem in Bunder village is that organic waste processing has not yet been established. This Community Service aims to overcome the processing of waste caused by the large amount of organic waste disposed of every day. The demonstration method is used in processing organic waste into compost. The implementation time is June 14-July 9, 2021. The target of this activity is the community around Bunder village. Through this activity, several obstacles were found that hindered the composting process, the presence of maggots and the smell of the compost produced but towards the third week, the smell and maggots began to disappear as ready-to-use compost was formed. Community service activities in the form of processing organic waste into compost that has been carried out can solve the problem of reducing waste in the smallest environment, namely the house. Therefore, it is concluded that composting using bokashi effectively breaks down organic waste to reduce the amount of organic waste in every house in Bunder Village. ]]>
<![CDATA[ANALISIS KOMPARATIF SYARIAH CARD PADA BANK SYARIAH DI INDONESIA DAN MALAYSIA ]]>
<![CDATA[Husni Shabri]]>;
<![CDATA[Euis Amalia]]>
<![CDATA[ Tamwil Vol 9, No 1 (2023) ]]>
Publisher : <![CDATA[IAIN Batusangkar ]]>
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DOI: 10.31958/jtm.v9i1.9724
<![CDATA[Tujuan penelitian adalah untuk membandingkan praktik kartu kredit syariah pada bank syariah yang ada di Indonesi dan Malaysia. Metode penelitian menggunakan metode kualitatif dengan pendekatan deskriptif komparatif. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi melalui Systematic Literature Review. Hasil penenlitian menunjukan bahwa terdapat perbedaan produk syariah card pada bank syariah di Indonesia dan Malaysia ditinjau dari akad yang digunakan. Syariah card di Indonesia mengacu pada Fatwa DSN No.54 menggunakan akad kafalah, qard dan ijarah. Sedangkan syariah card di bank syariah Malaysia menggunakan akad Bay al inah, Wadiah, dan Qard al hasan. Masih ada perbedaan pandangan terhadap penggunaan akad pada syariah card baik di Indonesia maupun di Malaysia. Pengguna kartu kredit syariah saat ini masih sangat sedikit karena masih ada keraguan dalam penggunaan akad sehingga perlu alternatif lain dalam penggunaan akad pada kartu kredit syariah seperti akad musyarakah dan murabahah.]]>
