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All Journal AL-RISALAH An - Nisa` QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam IKRA-ITH EKONOMIKA Al-Qalam Al-Muqayyad Jurnal EK dan BI Jurnal Ilmiah Al-Tsarwah Asy-Syarikah : Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Al-Iqtishod : Jurnal Ekonomi Syariah Al-Muamalat : Jurnal Ekonomi Syariah Islamiconomic: Jurnal Ekonomi Islam Al-Risalah: Jurnal Hukum Keluarga Islam (Ahwal Al-Syakhsiyah) Perbanas Journal of Islamic Economics and Business Journal of Islamic Economics Lariba Benefit : Journal of Bussiness, Economics, and Finance Mu'amalah : Jurnal Hukum Ekonomi Syariah Mutiara: Multidiciplinary Scientifict Journal Islamic Banking and Finance Journal of Financial, Business and Economics Journal of Islamic Economics and Finance Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Social Society Jurnal Inovasi Ekonomi Syariah dan Akuntansi International Journal of Economics, Commerce, and Management Jurnal Manajemen Bisnis dan Keuangan Jipmor: Jurnal Ilmu Pendidikan Dan Humaniora Journal of Islamic Economics and Finance Jurnal Ekonomi, Manajemen, Akuntansi LAN TABUR: JURNAL EKONOMI SYARIAH Journal of Noesantara Islamic Studies
Sitti Nikmah Marzuki, Sitti Nikmah
Institut Agama Islam Negeri (IAIN) Bone
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Social Sciences Other

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Praktek Pengembangan Bagi Hasil Peternakan Sapi Masyarakat Kecamatan Barebbo Kabupaten Bone Sulawesi Selatan Sitti Nikmah Marzuki
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 10, No 1 (2019)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) Universitas Islam Negeri (UIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1069.838 KB) | DOI: 10.32678/ijei.v10i1.115

Abstract

Abstrak. Praktek Pengembangan Bagi Hasil Peternakan Sapi Masyarakat Kecamatan Barebbo Kabupaten Bone Sulawesi Selatan. Praktik bagi hasil peternakan masyarakat masih sering terjadi permasalahan yang muncul karena sistem bagi hasil yang tidak jelas, seperti halnya jika terjadi peristiwa force majeur  pada saat perjanjian bagi hasil. Misalnya terjadi kematian terhadap anak sapi dari hasil peternakan sapi atau induknya sapi yang mengalami kematian. Penelitian ini mengungkap dan menganalisis praktek bagi hasil dan pendapatan masyarakat peternak sapi.  Penelitian ini menggunakan teknik pengumpulan data melalui observasi dan wawancara dengan analisis deskriptif kualitatif. Praktek pengembangan bagi hasil peternakan sapi di Kecamatan barebbo Sistem peternakan sapi di Kecamatan Barebbo pada umumnya menggunakan tiga sistem yaitu  teknik pemeliharaan ekstensif, teknik pemeliharaan intensif dan teknik pemeliharaan semiintensif dengan pendapatan peternak rata 2.000.000 – Rp. 5.000.000 setiap satu ekor sapi tergantung dari kondisi sapi dan teknik bagi hasil yang disepakati. Jika peternak melakukan kerjasama ternak sapi 2 sapi maka peternak akan memiliki keuntungan yang lebih besar. Sistem bagi hasil didasarkan pada  yang dilakukan  Sistem bagi hasil yang diterapkan berdasarkan pendapatan, bagi hasil berdasarkan laba kotor dan bagi hasil berdasarkan laba bersih. Sistem bagi hasil yang paling dominan digunakan oleh masyarakat peternak sapi di Kecamatan Barebbo adalah bagi hasil berdasarkan laba kotor.  Sistem ini dipandang lebih adil dan memberikan mashlahah kepada kedua belah pihak. Sistem ini dapat meningkatkan ekonomi masyarakat peternak di Kecamatan Barebbo Kabupaten Bone. 
Relevansi Kesejahteraan Ekonomi Keluarga dengan Peningkatan Perceraian di Kabupaten Bone Sitti Nikmah Marzuki
Al-Risalah: Jurnal Hukum Keluarga Islam (Ahwal Al-Syakhsiyah) Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (218.436 KB) | DOI: 10.30863/al-risalah.v2i1.435

Abstract

AbstractThe are many cases of adults who ended his life due to economic pressures. Even family life usually becomes quiet when the husband is not able to meet its obligations to provide for the family, cause prolonged conflict that will end in divorce. The divorce rate in Bone regency is very high, not least the economic factors. This situation triggered conflict in the family. The problem then arises is the welfare of the family, if husbend cannot perform its responsibility to make a living. The wife is not able to help her husband to earn a living. But if it isconstantly in progress, and the wife feels particularly a dual role then this problem can be more pointed and lead to conflict within the household and encourage the wife nor the husband decided to divorce. Therefore, the welfare of the family have relevance to the large number of divorces in Bone regency with reasons to leave for economic reasons.
The Application of Khiyar Principles to E-Commerce Transaction: The Islamic Economy Perspective Hafid, Abd.; Bahri, Syamsul; Marzuki, Sitti Nikmah; Muis, Musrini; Idayanti, Rini
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 8, No 1 (2024): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v8i1.20890

Abstract

This essay seeks to analyze the utilization of khiyar in e-commerce transactions within the context of Islamic economics. The principle of khiyar allows individuals to exercise the option to either proceed with or terminate a transaction. This theory is applicable to various types of buying and selling transactions, including those conducted in the realm of e-commerce. This study employs a normative legal methodology with an Islamic economic perspective, which is evaluated descriptively. The data was gathered through an extensive analysis of literary sources, including journal articles, books, journals, legal documents, and other relevant references pertaining to the topic of discussion. Islamic economic theory is applied as an analytical framework to examine the concept of khiyar (option) in the context of buying and selling in e-commerce transactions in Indonesia. The research findings indicate that the utilization of khiyar in e-commerce transactions, in accordance with the Islamic law, is permissible as long as it adheres to the prerequisites and fundamental principles of buying and selling. These include honesty, fairness, and the absence of any fraudulent elements. However, if harm is inflicted upon one of the parties involved, the transaction becomes unlawful. In the Islamic law, there is a rule stating that all forms of muamalah transactions are permissible, as long as there are no contradictory arguments prohibiting them. The contract and payment mechanisms in e-commerce transactions are considered to be in accordance with Islamic law and contain benefits, also in line with the opinion of the ulama in the fatwa of the Indonesian Ulema Council. From an Islamic economic standpoint, engaging in e-commerce transactions for buying and selling is sufficient to contribute to the nation's economic expansion, particularly benefiting the middle class and streamlining transactions.
KECERDASAN KEUANGAN PENGUSAHA MUSLIM BUGIS DALAM PRAKTIK PENGELOLAAN USAHA PEDULI MASLAHAH Anizah, Nur; Marzuki, Sitti Nikmah
Islamic Banking and Finance Vol. 3 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v3i1.5214

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat kecerdasan keuangan pengusaha Muslim Bugis pada UMKM binaan Dinas Perindustrian Kabupaten Bone.  Penelitian ini menggunakan pendekatan kualitatif dari aspek metodologinya dan pendekatan keilmuan dibidang ilmu ekonomi islam. Dalam mengumpulkan data digunakan metode wawancara, data yang digunakan yaitu sembilan pengusaha Muslim Bugis pada UMKM binaan Dinas Perindustrian yaitu masing-masing tiga dari Kecamatan Tanete Riattang, Tanete Riattang Barat dan Tanete Riattang Timur. Hasil penelitian menunjukkan bahwa pengusaha Muslim Bugis pada UMKM binaan Dinas Perindustrian Kabupaten Bone memiliki tingkat kecerdasan keuangan pada tingkat middle class (kelas menengah). Hal ini dilihat dari cashflow pengusaha Muslim Bugis, dari pendapatannya disisihkan untuk pembelian investasi berupa aset, sisanya dikeluarkan untuk beban usaha, dan  biaya konsumsi lainnya. Sedangkan dalam praktik pengelolaan usaha peduli maslahah, dilihat dari aspek manfaat fisiknya, pengusaha Muslim Bugis lebih mengedapankan fungsi produk dari pada profit, dan menjamin kualitas produk. Sedangkan dari aspek non-fisik, pengusaha Muslim Bugis sangat memperhatikan kehalalan produknya, pendapatannya juga disisihkan untuk ZISWAF dan kegiatan sosial lainnya,  selain itu dapat memberikan lapangan pekerjaan kepada orang lain, sehingga pengusaha Muslim Bugis dalam praktik pengelolaan usahanya  sesuai dengan maslahah, yang dapat memelihara agama, diri, akal, keturunan dan harta.
Implementasi Etika Bisnis Islam Pelaku Usaha Mikro Kecil dan Menengah (UMKM) di Kecamatan Sibulue Mutiara, Mutiara; Marzuki, Sitti Nikmah; Amir, Muhammad Fakhri
AL-Muqayyad Vol. 7 No. 1 (2024): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v7i1.1896

Abstract

The majority of MSMEs in Sibulue District are Muslim and many are interested in culinary businesses, which can trigger competition among business actors. Islamic business ethics are needed to create healthy competition in carrying out business activities. The aim of this research is to determine the application of Islamic business ethics principles and business patterns to culinary MSMEs in Sibulue District. This research is field research using qualitative methods, namely research based on non-numerical data, such as words and pictures. The data sources for this research are primary data and secondary data. In this research, Miles & Huberman's interactive model data analysis is directed at reducing data, presenting data, and verifying data to draw conclusions. The results of this research indicate that several business actors in Sibulue District have implemented the principles of business ethics. There is no evidence of irregularities committed by business actors in facing competition or in serving consumers. Likewise, in implementing business patterns, culinary business actors in Sibulue District do not apply business patterns that can harm other parties.
Tinjauan Ekonomi Islam pada Implementasi Gadai Emas di Pegadaian Syariah Sakirah Sakirah; Wahyuni Wahyuni; Andi Oddang; Sitti Nikmah Marzuki
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i1.2189

Abstract

This study discusses the practice of gold pawn in Islamic Pawnshops from the perspective of Islamic economics, focusing on the validity of the contract and the determination of ujrah (storage fees). The gold pawn product in Islamic Pawnshops involves three contracts: qardh (loan), rahn (collateral), and ijarah (storage fees). The combination of these contracts is often debated, as it is considered a hybrid contract prohibited under certain standards, such as AAOIFI. The research findings indicate that these contracts are carried out separately and in accordance with Sharia principles, making them valid. The determination of ujrah, according to the Fatwa of DSN-MUI, should be based on storage costs, not the loan amount. However, in practice, ujrah is often calculated based on the loan value, which could lead to unfairness. The results of this study show that the gold pawn practice in Islamic Pawnshops generally complies with Sharia principles, although improvements in transparency and the determination of ujrah fees are necessary. Recommendations are provided to enhance education and refine the contract mechanism to better align with Sharia.
PERAN RELIGIUSITAS DALAM PENYUSUNAN LAPORAN KEUANGAN DI PT. JANUS GLOBAL TRADE KAB. BONE Kirana, Ayu Puspa; Fitri, Nur Aulia; Hasminiar, Hasminiar; Marzuki, Sitti Nikmah; Rahmayanti, Vera
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 2 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i2.1570

Abstract

In general, financial statements are prepared by business entities to provide an overview of their financial performance to related parties such as owners, investors, employees, creditors, and others. This is in line with the function of financial statements according to Statement of Financial Accounting Concept (SFAC) Number 1, which is to provide data or information that is useful for potential shareholders and other users of financial statements to assist them in making economic decisions, based on cases of accounting fraud and misuse of financial statements, researchers are interested in examining the role of moral ethics in the aspect of religiosity in making financial statements, while the research method used is field research with qualitative descriptive data analysis. Based on the research results, the preparation of the company's financial statements is made within a certain period, this period depends on the policies of each company. Especially at PT Janus Global Trade, the preparation of financial statements is carried out simply every month. But it cannot be denied, of course there are obstacles faced by the compiler of financial statements that can indirectly cause errors in the preparation of financial statements, such as missing or late deposit of proof of transactions to the finance division, discrepancies with other related divisions, and late payment of receivables that exceed the specified period.
PENGARUH PEMANFAATAN DIGITAL MARKETING DAN CELEBRITY ENDORSEMENT TERHADAP MINAT MENABUNG NASABAH PADA BANK SYARIAH (Studi Pada Nasabah Bank BSI Kabupaten Bone) Sinta Sahara; Abd.Hafid; Sitti Nikmah Marzuki
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 2 No. 1 (2025): MBisKu, January 2025
Publisher : Program Studi Manajemen Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/mbisku.v2i1.944

Abstract

This study aims to determine the effect of the use of digital marketing and the influence of celebrity endorsement on customer savings interest at the BSI bank, Bone branch. The variables used in this study are the dependent variables whether digital marketing and celebrity influence customer savings interest. This study uses a quantitative research method. The data for this study uses primary data by distributing questionnaires to 70 BSI customer respondents in Bone Regency. The sampling technique uses simple random sampling. The data processing for this study uses SPSS software version 29. The results of this study indicate that (1) Utilization of Digital Marketing has a positive and significant effect on Customer Saving Interest. (2) Utilization of Celebrity Endorsement has a positive and significant effect on Customer Saving Interest (3) The value of the coefficient of determination shows that the variables digital marketing and Celebrity Endorsement have an influence of 31.1% while the remaining 68.9% is influenced by other variables not used in this study
The Moderating Role of Shariah Compliance in Millennials' Adoption of Digital Financial Transactions at Bank Muamalat Irsyam, Muh; Syaparuddin; Marzuki, Sitti Nikmah; Strech, David E
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 3 No. 2 (2024)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v3i2.9459

Abstract

This study aims to analyze the moderating role of Sharia compliance in influencing the relationships between attitude, subjective norm, and perceived behavioral control variables towards the adoption of digital Islamic networks in financial transactions. Questionnaires were distributed to 204 respondents, and the data were analyzed using a regression approach with SmartPLS version 4 software, then interpreted through the Theory of Planned Behavior (TPB) concerning Sharia compliance. The results indicate that Sharia compliance and perceived behavioral control play a central role in shaping individual behavior in financial transactions. However, Sharia compliance has not been able to moderate attitude, subjective norm, and perceived behavioral control towards the adoption of digital Islamic networks. This suggests that Sharia compliance does not significantly influence how individuals form attitudes, subjective norms, or perceived behavioral control regarding the adoption of the technology. The study suggests that the paradigm shift in financial transactions within the Islamic community should encompass efficiency, transparency, and innovation in accordance with Sharia principles. These findings illustrate a fundamental shift in the convergence of religious values and advancements in financial technology. This study contributes pioneering insights to the literature, focusing on Sharia compliance. It introduces Sharia compliance as a significant moderating factor impacting perceived behavioral control and the adoption of digital Islamic networks.
Soft Skill and Hard Skill Development Model in Improving the Quality of Human Resources in the Higher Education Environment Marzuki, Sitti Nikmah; Muljan, Muljan; Haslinda, Haslinda; Affandi, Lukman
QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Vol 16 No 1 (2024): Qalamuna - Jurnal Pendidikan, Sosial, dan Agama
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Program Pascasarjana IAI Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/qalamuna.v16i1.5070

Abstract

This research aims to identify the soft and hard skills students need to improve the quality of human resources in the tertiary environment. The research was conducted in Bone Regency, focusing on IAIN Bone students and related stakeholders. The research method used is qualitative research, which involves interviews, observations, and questionnaires to collect primary data and documents and literature as secondary data. Data analysis was carried out using qualitative descriptive techniques and descriptive statistical analysis. It is hoped that the results of this research will be able to design practical and applicable skills development models and evaluate the effectiveness of the skills development programs that have been implemented. The ultimate goal of this research is to improve the quality of college graduates so that they are ready to compete in the world of work, support higher education policies, increase the competitiveness of universities, and prepare students to face increasingly complex future challenges. This research provides recommendations to universities regarding developing curricula and learning programs that are more comprehensive and relevant to industry needs.
Co-Authors A.Wulandari Abd. Rasyid R Abd.Hafid Abdullah, Rais Abdullahanaa, Abdullahanaa Affandi, Lukman Akifah Aksi Hamzah Amir, Muhammad Fakhri Andi Musdalipah Andi Oddang Anggryani, Lisa Anisa Anisa Anizah, Nur Ansyah, Arbi Arafah, Muh Ariska, Ayu Ayu Puspa Kirana Buhari, Ulfa Luthfiyah Buhasyim, Muhammad Abdi D, A Zulfikar Fitri, Nur Aulia Hafid, Abd. Hamjan, Andi Lisa Aryani Hardina Pratiwi Haslinda Haslinda, Haslinda Hasminiar, Hasminiar Herianti Herianti Hj. Hukmiah HM, M. Amir Hukmiah Hukmiah Husain, Hukmiah Ida Farida Idayanti, Rini Ihzani, Masdathul Irsyam, Muh Islami, Nur Ainul Islami Jumarni Jumarni Jumriani , Jumriani Jumriani, Jumriani Jusman, Rahmayani Kadir, Syahruddin Karliena, Yayuk Kasnaini KIRANA, AYU PUSPA Masyhuri Masyhuri Muis, Musrini Muljan, Muljan Munawarah Munawarah, Munawarah Mutalib, Ahmad Abdul mutiara mutiara Nur Azizah Nur Hikmah Nurhidayah Nurhidayah Rahmat Hidayat Rahmayanti, Vera Rajul, Ahmad Ramdani, Nurdianti Razak, Syaparuddin Restiani, Vira Rina Novianty, Rina Rosmini Rosmini Sabbar, Sabbar Dahham Sakirah Sakirah Sari, Surya Karmila Shadriyah Sinta Sahara Strech, David E Syahban, Wahyudin Syahraeni Syahraeni, Syahraeni Syamsul Bahri Syaparuddin wahyuni wahyuni