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Determinants Of Msmes Welfare Through Sharia Financial Literacy In Ultra-Micro Financing Hasan, Asyari; Nasution, Siti Sarah; Nasution, Hairatunnisah; Arafah, Santi
Integrated Journal of Business and Economics (IJBE) Vol 8, No 3 (2024): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v8i3.1032

Abstract

This research aims to determine how much influence sharia financial inclusion, financial experience and financial management have on the welfare of MSMEs through sharia financial literacy at PT. Pegadaian Syariah Langsa. This research uses a quantitative approach using 88 MSME actors who are registered in Ultra Micro financing. Based on cross section data using analysis techniques in the form of SEM-PLS. The results of the research analysis conducted with 5% alpha show that  sharia financial literacy moderates by strengthening the relationship between sharia financial inclusion and sharia financial experience on the welfare of MSMEs, while sharia financial literacy neither strengthens nor weakens the relationship between financial management and the welfare of MSMEs. The welfare of MSMEs is based on a good and increasing condition of productive businesses owned by individuals and / or individual business entities that have micro business criteria must be based on an understanding of sharia financial literacy, because sharia financial literacy is a fundamental factor for economic growth and financial stability in sharia
FUNGSI INVESTASI DALAM PERSPEKTIF EKONOMI ISLAM: The Function of Investment in the Perspective of Islamic Economics Siti Sholikhatunnisa; Hasan, Asyari; Alvadia R, Wirdaning; Fachrini, Ariva; Dwi Putri, Nazwa
Journal of Applied Islamic Economics and Finance Vol. 5 No. 1 (2024): Journal of Applied Islamic Economics and Finance (Oktober 2024)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v5i1.5072

Abstract

Abstract: This research provides an overview of the function of investment from the perspective of Islamic and conventional economics. The purpose of this research is to understand the function of investment in the perspective of conventional economics, the purpose of investment in the perspective of Islamic economics, and how the function of investment compares in the perspectives of conventional and Islamic economics. The methodology used in this research is Library Research (literature review) and critical thinking by the author. The review in this research is based on literature and relevant writings related to the main topic of this research, which states that investment is the act of allocating funds or other resources at present, with the aim of obtaining future profits. The function of investment in the conventional perspective is the relationship between investment levels and national income levels that form a curve. The types of investment in the conventional economic perspective are categorized as direct investment and indirect investment. In the function of investment from the conventional economic perspective, it is determined by interest rates, while in the function of investment from the Islamic economic perspective, it is based on the teachings and commandments of paying zakat for productive wealth. Investment in the perspective of Islamic economics serves as a means to achieve social and moral goals, one of which is through zakat, infaq, and sedekah. This concept emphasizes the importance of sharing with the community and helping to address issues of poverty and social inequality. Keywords: : Investment Function, Economics, Conventional, Islam, Sharia Principles Abstrak: Penelitian ini memberikan gambaran tentang fungsi investasi dalam perpektif ekonomi islam serta ekonomi konvensional. tujuan dilakukannya penelitian ini buat mengenali fungsi investasi dalam perspektif ekonomi konvensional, guna investasi dalam perspektif ekonomi islam serta gimana perbandingan fungsi investasi dalam perspektif ekonomi konvensional serta islam. tata cara yang digunakan dalam riset ini merupakan tata cara Library Research (kajian pustaka) serta pula pemikiran kritis dari penulis. ulasan dalam riset ini Bersumber pada literatur serta sebagian tulisan relevan dengan pokok ulasan hasil riset ini kalau investasi ialah aksi mengalokasikan dana ataupun sumber energi yang lain pada dikala ini, dengan tujuan buat mendapatkan keuntungan di masa depan. fungsi investasi dalam perspektif konvensional ialah keterkaitan tingkatan investasi serta tingkatan pemasukan nasional yang membentuk sesuatu kurva.jenis investasi dalam perspektif ekonomi konvensional dibedakan menjadi investasi langsung serta investasi tidak langsung. pada fungsi investasi perspektif ekonomi konvensional didetetapkan oleh suku bunga, sebaliknya pada fungsi investasi perspektif ekonomi islam dilatarbelakangi oleh landasan ajaran perintah membayar zakat untuk yang mempunyai peninggalan produktif. investasi dalam perspektif ekonomi islam ialah perlengkapan buat menggapai tujuan-tujuan sosial serta moral salah satu triknya lewat zakat, infaq serta sedekah. Konsep ini menekankan berartinya berbagi dengan masyarakat, membantu menanggulangi permasalahan kemiskinan serta kesenjangan sosial. Kata Kunci: Fungsi Investasi, Ekonomi, Konvensional, Islam, Prinsip Syariah
Prinsip Islam Tentang Perilaku Ekonomi Islami Tisna, Clara Elmira Junjunan; Lutfiah, Hanifah; Limatahu, Nadia Sintia Ayu; Fathullah, Azmi Zikri; Hasan, Asyari
Jurnal Ilmiah Wahana Pendidikan Vol 10 No 18 (2024): Jurnal Ilmiah Wahana Pendidikan 
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.13870485

Abstract

Penelitian ini menjelaskan bahwa dalam konteks Islam, kegiatan ekonomi mempunyai landasan kuat prinsip-prinsip agama yang menjadi pedoman etika, moral, dan hukum. Prinsip-prinsip ini tidak hanya mempengaruhi cara individu dan komunitas Muslim melakukan bisnis dan keuangan, namun juga memberikan kerangka kerja yang berupaya mencapai keadilan sosial dan kesejahteraan umum. Artikel ini mengkaji prinsip-prinsip dasar ekonomi Islam seperti syariah, zakat, mudharabah, musyarakah dan lain-lain. Pergeseran ini menekankan peran etika dan moralitas dalam memandu aktivitas ekonomi, sejalan dengan pandangan Islam tentang sifat manusia yang berjuang untuk kebaikan. Konsumsi dan produksi yang beretika menjadi prioritas dalam penerapan prinsip maslahah yang berkaitan dengan kesejahteraan umum dan kepentingan bersama. Artikel ini membahas tentang konsep Homo Economicus dan Homo Ethicus, menjelaskan hakikat manusia dalam Islam, ciri-ciri keinginan dan kebutuhan, serta konsep maslahah dalam konsumsi dan produksi. Data akan dianalisis untuk mendukung klaim dan kesimpulan artikel. Artikel ini menggambarkan bagaimana prinsip etika, moral dan maslahah dapat diterapkan pada konsumsi dan produksi. Hal ini antara lain mencakup penghindaran konsumsi yang bertentangan dengan nilai etika, metode produksi berkelanjutan, peran keadilan sosial, dan perlindungan lingkungan.
Relevansi Pemikiran Ekonomi Sosialisme Islam H.O.S. Tjokroaminoto Dalam Konsep Ke-Indonesiaan Cahyani, Maya Septi; Hasan, Asyari
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14672

Abstract

The socialist movement is conceptualized to fight oppression and demand justice among human beings. Islam as a religion that has values applicable to all humans and is valid at all times, is considered a teaching capable of providing solutions to problems that occur in people's lives. Based on this, Islamic thinkers and movement fighters in Indonesia studied and developed, one of which was H.O.S. Tjokroaminoto. The method used by the author in this journal is library research, which is collecting data contained in the literature, be it books, journals, and others. The nature of the research used is qualitative, namely in the form of sentences and relying on creative interpretations from the researcher. The data analysis process was carried out by summarizing, selecting the main things so that a clear picture of the theme raised could be obtained. The results of this study reveal that H.O.S. Tjokroaminoto about Islamic socialism aims to create prosperity in people's lives. H.O.S. Tjokroaminoto’s economic thinking about Islamic socialism has relevance in the Indonesian context, which is in accordance with the ideals of the Indonesian people contained in the 1945 Constitution.
Competition of Mobile Banking Service Quality of Syariah Banking in the Digital Era Khomariyah, Nurul; Hasan, Asyari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.4493

Abstract

The increasing competition in the Indonesian Islamic banking industry has encouraged many Islamic banks to improve the quality of service to customers by utilizing the rapid development of information technology. The study aims to analyze the competition in Mobile Banking Service Quality that occurs at Bank BSI and Bank Muamalat. This study uses an associative-comparative research type with a quantitative approach. The data source used for this study is primary data. The data collection technique used is a questionnaire with the number of samples was 100 respondents. The data analysis technique used in this study is simple linear regression analysis. The results obtained from the current study indicate that the service quality of mobile banking has a positive and significant influence on customer satisfaction at Bank BSI and Bank Muamalat. There is a difference in the quality of mobile banking services towards customer satisfaction between Bank BSI and Bank Muamalat with respective values ​​of 62.07 (62%) and 38.39 (38%). This shows that the quality of Bank BSI's mobile banking services is higher in customer satisfaction.
Microfinance Cooperation Base On Loan Sharks Hasan, Asyari; Prasetyowati, Riris Aishah
International Journal of Supply Chain Management Vol 14, No 1 (2025): International Journal of Supply Chain Management (IJSCM)
Publisher : ExcelingTech

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59160/ijscm.v14i1.6293

Abstract

This study aims to observe the motivational factors for the moneylender business of the Batak tribe known as shark loans. The discriminant analysis method is used to classify motivation into two different factors based on the pull and push theory. The testing was also carried out on two different groups of respondents, namely the favorable and the unfavorable. These results show that the determining factors for the motivation of borrower customers in the loanshark cooperative in this case are divided into two parts, namely; 1) pulling factors consisting of; independence, money, challenges/achievements, seeing opportunities, and lifestyle. 2) driving factors consisting of; job dissatisfaction, changes in the world of work, assistance from employers, and the needs of children/families. The results of the study prove that overall, all of these determining factors contribute to the Batak moneylender business. The Batak moneylender business based on the motivation factor of the pull and push theory in both community groups that support and oppose the Batak moneylender business shows that its existence is still very much needed, reaching 66.5%. Because the weak economic community in general do not have access to banking and do not have adequate requirements for creditworthiness or bank loans.
Relevansi Pemikiran Ekonomi Sosialisme Islam H.O.S. Tjokroaminoto Dalam Konsep Ke-Indonesiaan Cahyani, Maya Septi; Hasan, Asyari
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14672

Abstract

The socialist movement is conceptualized to fight oppression and demand justice among human beings. Islam as a religion that has values applicable to all humans and is valid at all times, is considered a teaching capable of providing solutions to problems that occur in people's lives. Based on this, Islamic thinkers and movement fighters in Indonesia studied and developed, one of which was H.O.S. Tjokroaminoto. The method used by the author in this journal is library research, which is collecting data contained in the literature, be it books, journals, and others. The nature of the research used is qualitative, namely in the form of sentences and relying on creative interpretations from the researcher. The data analysis process was carried out by summarizing, selecting the main things so that a clear picture of the theme raised could be obtained. The results of this study reveal that H.O.S. Tjokroaminoto about Islamic socialism aims to create prosperity in people's lives. H.O.S. Tjokroaminoto’s economic thinking about Islamic socialism has relevance in the Indonesian context, which is in accordance with the ideals of the Indonesian people contained in the 1945 Constitution.
Optimalisasi Peran Sukuk dalam Meningkatkan Kinerja Industri Halal di Indonesia Shafira, Alfina; Rizal, Sofyan; Aziz, Roikhan Mochamad; Hasan, Asyari
JENTRE Vol. 6 No. 1 (2025): JENTRE: Journal of Education, Administration, Training and Religion
Publisher : Balai Diklat Keagamaan Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38075/jen.v6i1.536

Abstract

This study explores the strategic role of sukuk (Islamic bonds) in advancing the performance of Indonesia's halal industry, which holds vast potential given the country’s large Muslim population. The purpose of this research is to identify how sukuk can be utilized as an effective Islamic financial instrument to support the growth of various halal sectors, including food, cosmetics, pharmaceuticals, tourism, and fashion. Employing a qualitative descriptive method through a literature review, this study synthesizes data from scholarly journals, institutional reports, and regulatory sources. The findings show that sukuk significantly contributes to the financing needs of the halal industry, particularly in infrastructure development, production capacity expansion, and market competitiveness. Furthermore, the integration of sukuk-based financing supports Indonesia’s vision to become a global hub for the halal economy. The study concludes that optimizing sukuk issuance and public awareness through multi-stakeholder collaboration—including government, Islamic scholars, financial practitioners, and industry players—is essential for accelerating the industry's performance. It is recommended that Indonesia strengthen policy frameworks, enhance halal certification efficiency, and encourage sukuk-backed investment mechanisms to boost national halal industry competitiveness.
The Effect of Timely Guarantees Based on Kafalah Bil Ujrah on Shopee on Customer Satisfaction Dahlia, Iis; Hasan, Asyari
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 8, No 2 (2025): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v8i2.8097

Abstract

Customer trust is a critical element in ensuring operational continuity and success of a marketplace platform. Shopee, one of the largest marketplaces in Indonesia, strives to increase customer satisfaction through various innovative programs, one of which is the Timely Guarantees Program based on the kafalah bil ujrah. This study aims to analyze kafalah bil ujrah in the timely guarantees program at shopee to increase customer satisfaction and user confidence in the marketplace in terms of delivery accuracy. This study aims to analyze kafalah bil ujrah in the timely guarantees program at shopee to increase customer satisfaction and user confidence in the marketplace in terms of delivery accuracy. Data were collected through questionnaires distributed to 300 respondents who are active shopee users. This research uses a quantitative approach with a survey method. The results showed that the implementation of the timely guarantees program using the kafalah bil ujrah contract significantly affected customer satisfaction. With this warranty, customers feel safer and more confident in making transactions. Descriptive analysis shows that the majority of respondents are satisfied with the timely guarantees program implemented by shopee. The results of multiple linear regression tests state that the variables of the timely guarantees program (x1) and the kafalah bil ujrah contract (x2) significantly affect customer satisfaction (y). The novelty of this research is that the significance of these results reinforces the importance of the guarantee mechanism in increasing customer trust and satisfaction on e-commerce platforms. The benefits of research are that it can increase trust with a clear time guarantee and certainty in claim settlement can increase trust in the shopee platform and provide a better understanding of the kafalah bil ujrah contract (guarantee on the basis of ujrah or fee) which may not be widely known by customers and sellers.
Optimalisasi Peran Sukuk dalam Meningkatkan Kinerja Industri Halal di Indonesia Shafira, Alfina; Rizal, Sofyan; Aziz, Roikhan Mochamad; Hasan, Asyari
JENTRE Vol. 6 No. 1 (2025): JENTRE: Journal of Education, Administration, Training and Religion
Publisher : Balai Diklat Keagamaan Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38075/jen.v6i1.536

Abstract

This study explores the strategic role of sukuk (Islamic bonds) in advancing the performance of Indonesia's halal industry, which holds vast potential given the country’s large Muslim population. The purpose of this research is to identify how sukuk can be utilized as an effective Islamic financial instrument to support the growth of various halal sectors, including food, cosmetics, pharmaceuticals, tourism, and fashion. Employing a qualitative descriptive method through a literature review, this study synthesizes data from scholarly journals, institutional reports, and regulatory sources. The findings show that sukuk significantly contributes to the financing needs of the halal industry, particularly in infrastructure development, production capacity expansion, and market competitiveness. Furthermore, the integration of sukuk-based financing supports Indonesia’s vision to become a global hub for the halal economy. The study concludes that optimizing sukuk issuance and public awareness through multi-stakeholder collaboration—including government, Islamic scholars, financial practitioners, and industry players—is essential for accelerating the industry's performance. It is recommended that Indonesia strengthen policy frameworks, enhance halal certification efficiency, and encourage sukuk-backed investment mechanisms to boost national halal industry competitiveness.