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All Journal Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah ILTIZAM Journal of Sharia Economic Research International Journal of Economics Development Research (IJEDR) KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Share: Jurnal Ekonomi dan Keuangan Islam Al Huwiyah: Journal of Woman and Children Studies Yurisprudentia: Jurnal Hukum Ekonomi JEBD Bersama : Jurnal Pengabdian Masyarakat Journal of Economics and Development
Muhamad Rahman Bayumi
Universitas Islam Negeri Raden Fatah Palembang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Determinasi Pertumbuhan Ekonomi Studi Kasus di Indonesia Nur Syamsiyah; Yudhistira Ardana; Muhamad Rahman Bayumi
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 10 No 02 (2022): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v10i02.4522

Abstract

Economic growth is still an important goal in the economy of a country, especially for developing countries like Indonesia. If the real Gross Domestic Product (GDP) experiences growth, then the country's economy will grow well. This study will discuss the short-term and long-term effects of taxes, Zakat, Infaq and Alms (ZIS) and inflation on economic growth in Indonesia. This study uses the Error Correction Model with quarterly time series data starting from 2010-2020. The results of the study show that in the short term inflation has no significant positive effect on Indonesia's economic growth, while taxes have an insignificant negative effect and ZIS has a significant negative effect. In the long term, the tax and ZIS variables have a significant positive effect, while the inflation variable has a significant negative effect on economic growth in Indonesia.
Model Sinergistas Lembaga Pegadaian Syariah dan Perguruan Tinggi Dalam Membentuk SDM Unggul Berbasis Syariah Muhamad Iqbal; Muhamad Rahman Bayumi; Faisal Muttaqin; Muhamad Junestrada Diem
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

Sharia Pawnshop has transformed into one of the strengths of Islamic financial institutions whose existence is quite taken into account. The characteristics of sharia pawns that are solutive for the lower middle class are a strong factor in its progress from year to year. In line with that, the existence of Islamic economics and finance-based study programs in all PTKIN and even most PTN, brings new hope of producing superior sharia-based human resources. A hope that is just waiting for the momentum to make Indonesia a country of Islamic Economic Civilization in the world. Various efforts have been made to produce excellent students who will compete in the world of work, especially in Islamic financial institutions. However, the problem is that there is no relevance between the world of work and the basic knowledge of Islamic economics and finance that is owned, which is an irony and injures the spirit of printing sharia-based superior human resources. Many alumni work in conventional financial institutions, on the other hand, Islamic financial institutions lack sharia-based human resources. This study aims to describe the concept of human resource development in universities that are integrated with Islamic financial institutions, especially Sharia Pawnshop. There are three concrete steps that can be implemented through the integration-interconnection approach, namely the development of thematic courses, strengthening the role of laboratories, and optimizing field work practices for students. By providing an overview and analysis of the strengthening, it is hoped that it can contribute to the formation of superior sharia-based human resources.
Sharia Business Ethics Fight for a More Sustainable Post-Pandemic Recovery Muhamad Rahman Bayumi; M. Junestrada Diem; Rizal Alfit Jaya
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 2 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v4i3.2588

Abstract

Sharia business ethics is a set of normative moral principles originating from Islamic law to regulate what should be done and what should not be done. The authenticity of the Islamic teaching system is often misunderstood, misinterpreted, and even facilitated when faced with various business problems that make these activities far from achieving maqashid sharia. The rise of crime during the pandemic disrupted the stability of life. As a country with the largest Muslim population, Indonesia should be the safest country in the world because of the perfection of its religious teachings, which regulate ways of life, socializing, the economy, politics, and all the details of life. This study provides a conceptual description of the re-contextualization of sharia business ethics to achieve more sustainable goals. The question in this research is how to re-contextualize Islamic business ethics in the success of economic activities to improve the order of life starting from the grassroots level to the top level. The findings in this study describe the concept of Islamic business ethics that is applicable, integrative, and interconnected. This research is expected to offer a description, design, policy, and sustainable contract model for policymakers to accelerate and improve life after the pandemic.
Pengaruh Fitur Layanan Dan Keamanan Terhadap Kepuasan Nasabah Menggunakan Mobile Banking Pada Bank Syariah Indonesia Kc Palembang Demang Dengan Kepercayaan Sebagai Variabel Intervening Fadhilah Oktariani; Maya Panorama; Muhamad Rahman Bayumi
Jurnal Ekonomi dan Bisnis Digital Vol. 1 No. 3 (2024): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

This research aims to analyze or find out how Service and Security Features influence Customer Satisfaction using Mobile Banking with Trust as an intervening variable at Bank Syariah Indonesia KC Palembang Demang because not all customers think that service features are able to make customers feel satisfied with online transactions provided by the party. BSI. This research uses quantitative methods. The population in this study are customers who use BSI mobile banking with the total number of customer information obtained from BSI Demang being 13,584 users. This research uses primary data through the distribution of questionnaires distributed to 99 respondents, then analysis is carried out using the Structural Equation Model (SEM). The results of the data analysis test show that the Service Feature variable does not have a positive and significant effect on customer satisfaction when using mobile banking at Bank Syariah Indonesia KC Palembang Demang. The Security variable has a positive and significant effect on Customer Satisfaction using mobile banking at the Indonesian Sharia Bank KC Palembang Demang. The Trust variable has a positive and significant effect on Customer Satisfaction using mobile banking at the Indonesian Sharia Bank KC Palembang Demang. The Service Feature variable has a positive and significant effect on customer trust in using mobile banking at the Indonesian Sharia Bank KC Palembang Demang. The security variable has a positive and significant effect on customer trust in using mobile banking at the Indonesian Sharia bank KC Palembang Demang. The Trust variable is able to mediate Service Features on Customer Satisfaction using mobile banking at Bank Syariah Indonesia KC Palembang Demang. The Customer Trust variable is able to mediate Security and Customer Satisfaction using mobile banking at Bank Syariah Indonesia KC Palembang Demang
Rekonstruksi Konsep Bisnis Halalan Thayyiban Penguatan Integrasi-Interkoneksi Ekosistem Halal Value Chain Bayumi, Muhamad Rahman; M. Iqbal; Diem, M. Junestrada; Muhlis
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.28543

Abstract

The progress of the Halal Value Chain (HVC) ecosystem cannot be separated from the role of the government and other formal and informal institutions. In the HVC ecosystem, every organization/institution plays an important role in creating a halalan thayyiban business industry zone. One of the ways to promote halalization in supporting economic progress is to implement it through strengthening the Halal Value Chain in the economy. The purpose of this paper is to offer a reconstruction of the Halalan Thayiban business concept by strengthening the integration and interconnection of each subject in the HVC ecosystem. Using a descriptive qualitative approach, it is hoped that it will provide an overview of the concept of advancing a real HVC ecosystem. The results of this analysis will provide a long-term picture of the importance of promoting and accelerating HVC in terms of quality, not quantity. This study will discuss the reconstruction of the halalan thayyiban business concept and the importance of initiating an economic industry based on Islamic business ethics. By providing an overview and analysis of HVC acceleration efforts, it is hoped that this research will be oriented toward building the long term economy. Keywords: Reconstruction, Halalan Thayyiban, Integration and Interconnection, Islamic Business Ethics
Transition to Sharia-Compliant Finance in Aceh: Miscommunication, Misperceptions, and Resistance Bayumi, Muhamad Rahman; Jaya, Rizal Alfit; Diem, M. Junestrada
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.22552

Abstract

The implementation of Qanun (Islamic Law) Aceh No. 11 of 2018, mandating all financial institutions in the province of Aceh, Indonesia, to operate solely on Islamic principles from January 4, 2022, sparked protests from certain parties, and thus became a nationwide controversy. Some media reports often depicted the Qanun as causing heightened unemployment and poverty due to the exclusion of conventional banking. This research investigates the discourse contestation surrounding the prohibition of conventional banks in Aceh. Employing a philosophical qualitative approach, the study analyzes instances of miscommunication, misperceptions, and resistance concerning the Qanun's implementation. Primary data collection involved interviews with diverse stakeholders, including grassroots communities, members of the Sharia Economic Society (MES), the Indonesian Association of Islamic Economists (IAEI), Financial Services Authority (OJK) officials, religious leaders, and economists.  Researcher observations conducted in 2019 and 2022 in Aceh further enriched the data. Secondary data, comprising online news and relevant documents, supplemented the findings. Through triangulation techniques and an integration-interconnection paradigm, the study revealed that the perceived conflict was largely amplified by media portrayals of protests, often lacking comprehensive and objective analysis. Consequently, this study proposes solutions, strategies, and models to facilitate the effective implementation of the Qanun, aiming to realize its intended benefits and contribute to Aceh's sustainable progress through the advancement of maqashid sharia.========================================================================================================ABSTRAK – Transisi ke Keuangan Syariah di Aceh: Miskomunikasi, Mispersepsi, dan Resistensi. Qanun Aceh No. 11 Tahun 2018, yang mewajibkan penerapan prinsip keuangan syariah di seluruh lembaga keuangan di Aceh sejak 4 Januari 2022, memicu berbagai reaksi dan menjadi perbincangan nasional. Media massa kerap mengaitkan Qanun ini dengan peningkatan angka pengangguran dan kemiskinan di Aceh akibat pelarangan operasional perbankan konvensional. Penelitian ini mengkaji kontestasi wacana terkait pelarangan bank konvensional di Aceh menggunakan pendekatan kualitatif filosofis. Penelitian ini menganalisis miskomunikasi, mispersepsi, dan resistensi terkait penerapan Qanun Aceh No. 11 Tahun 2018. Data primer dikumpulkan melalui wawancara dengan berbagai pemangku kepentingan, termasuk komunitas akar rumput, anggota Masyarakat Ekonomi Syariah (MES), Ikatan Ahli Ekonomi Islam (IAEI), pejabat Otoritas Jasa Keuangan (OJK), tokoh agama, dan ekonom. Observasi lapangan juga dilakukan pada tahun 2019 dan 2022. Data sekunder berupa berita online dan dokumen relevan lainnya turut dikaji untuk memperkaya analisis. Teknik triangulasi dan paradigma integrasi-interkoneksi digunakan untuk menganalisis data. Analisis menunjukkan bahwa resistensi terhadap Qanun tersebut sebagian besar disebabkan oleh penggambaran media tanpa analisis yang komprehensif dan objektif, seringkali hanya fokus pada satu atau dua kejadian. Penelitian ini menawarkan beberapa solusi, strategi, dan model untuk memfasilitasi penerapan Qanun yang efektif dan mencapai manfaat yang diinginkan, serta berkontribusi pada kemajuan Aceh yang berkelanjutan melalui pemajuan maqashid syariah.
Kontribusi Peran Perempuan dalam Membangun Perekonomian sebagai Penguatan Kesetaraan Gender di Indonesia Bayumi, Muhamad Rahman; Jaya, Rizal Alfit; Shalihah, Bunga Maratush
Al Huwiyah: Journal of Woman and Children Studies Vol. 2 No. 2 (2022): Al Huwiyah: Journal of Woman and Children Studies
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/jwcs.v2i2.14317

Abstract

Kesetaraan gender merupakan satu persoalan kompleks yang kajiannya tidak terbatas pada aspek sosial saja, tapi juga akan berkaitan dengan aspek ekonomi, politik, budaya, agama, dan ilmu pengetahuan. Keberadaan perempuan seringkali disalah artikan perannya dalam kehidupan, yaitu perempuan dianggap tidak lebih baik dan berhak dari laki-laki, baik untuk mendapatkan posisi di ranah personal, publik dan negara. Tulisan ini memaparkan peran dan kontribusi perempuan dalam membangun perekonomian dalam mengatasi isu aktual untuk penguatan capaian kesetaraan gender di Indonesia. Penelitian ini adalah jenis penelitian kualitatif, dengan memanfaatkan sumber data sekunder berupa laporan, jurnal, buku, dan dokumentasi yang relevan untuk melakukan studi literatur dalam menganalisis persoalan ini. Teknik analisis dalam penelitian ini menggunakan pendekatan deskriptif. Hasil penelitian ini menguraikan bahwa perempuan memiliki peran dan kontribusi yang sangat penting dalam membangun perekonomian demi tercapainya kesetaraan gender di Indonesia.Kata Kunci: Perempuan, Pembangunan Ekonomi, dan Kesetaraan Gender
Management Strategy for Community Zakat Fund Collection for Sustainable Human Prosperity and Well-Being in Singapore Bayumi, Muhamad Rahman; Diem, M. Junestrada; Jaya, Rizal Alfit; Wibisono, Eristian
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 6 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i6.9008

Abstract

Strategic management in the management of zakat in Singapore has provided a leading breakthrough in encouraging minimal risks from community fund management. Practices that are far from corruption, collusion and nepotism make the fund management institution an institution that is worthy of being adopted. Good zakat fund collection has been proven to have a positive influence on increasing zakat collections in Singapore in the sector of the availability of social services, education facilities, health and employment for the Muslim community. Singapore as the only developed country in Southeast Asia is very appropriate to be a pilot country in various aspects of zakat fund management. This study aims to explore and describe the practice of zakat fund management in Singapore. This study was designed with a qualitative approach. Data were collected through interviews, interviews and observations. The data analysis technique used Miles Huberman with the stages of data collection, data reduction, presentation and drawing conclusions. The findings of this study provide extensive learning about comprehensive zakat fund management that is beneficial for any institution or country in achieving sustainable prosperity and prosperity. This study provides several recommendations for countries and institutions managing community funds in achieving sustainable prosperity and welfare goals.
TRANSFORMING ECONOMIES: NAVIGATING GLOBAL CHALLENGES IN THE DIGITAL ERA Muhamad Rahman Bayumi; Dur Brutu; Ria Agustina; Rizal Alfit Jaya
Journal of Economics and Development Vol. 1 No. 2 (2024): Journal of Economics and Development (JEnD)
Publisher : CV. Cendikiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/jend.v1i2.172

Abstract

The rapid digital transformation has significantly reshaped the global economy, introducing both opportunities and challenges. This study aims to analyze the impact of digital transformation on economic development, particularly in addressing contemporary global issues such as climate change, economic inequality, and post-pandemic recovery. Utilizing a qualitative approach, this research relies on secondary data analysis from scientific articles, global reports, and case studies of both developed and developing countries. The findings reveal that countries with high levels of technology adoption experience faster economic growth but face persistent digital divides. Digitalization is also identified as a catalyst for sustainable development, offering innovative solutions in sectors such as education, health, and e-commerce. However, addressing infrastructure gaps, digital literacy, and policy frameworks remains crucial. This study highlights the importance of inclusive and collaborative strategies to ensure that digital transformation supports resilience and sustainability in the global economy.
FINANCIAL LITERACY TRAINING TO INCREASE SELF-CAPACITY STUDENTS AT IT IZZATUNA HIGH SCHOOL Lidia Desiana; Muhamad Rahman Bayumi; Nur Hesthria; Fernando Africano
Bersama : Jurnal Pengabdian Masyarakat Vol. 1 No. 1 (2023): Bersama : Jurnal Pengabdian Masyarakat
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/bersama.v1i1.214

Abstract

Islamic banking is currently growing rapidly and this can be seen from the increasingly complete Islamic bank products. The presence of Islamic bank products can certainly be an option in order to prioritize Islamic principles. Basically, Islamic banks carry out the same three functions as conventional banks, it's just that Islamic bank products have very different principles from conventional banks. Islamic bank products generally apply a profit-sharing system that is mutually beneficial for customers and banks. In this article, we will discuss further about the products and services contained in Islamic banks.
Co-Authors Africano, Fernando Bunga Mar’atush Shalihah Diem, M. Junestrada Dur Brutu Fadhilah Oktariani Faisal Muttaqin Jaya, Rizal Alfit Lemiyana LIDIA DESIANA M. Iqbal M. Junestrada Diem Maya Panorama Muhammad Iqbal Muhammad Junestrada Diem Muhlis Nur Hesthria Nur Syamsiyah Ria agustina Rizal Alfit Jaya Rizal Alfit Jaya Rizal Alfit Jaya Shalihah, Bunga Maratush Wibisono, Eristian Yudhistira Ardana Zahra, Nadya Az