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All Journal QIJIS (Qudus International Journal Of Islamic Studies) An-Nisbah: Jurnal Ekonomi Syariah Al-Ihkam: Jurnal Hukum dan Pranata Sosial DERIVATIF AL QUDS : Jurnal Studi Alquran dan Hadis SYIRKAH NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Ilmiah Bina Bahasa Jurnal Ilmiah Edunomika (JIE) Journal of Enterprise and Development (JED) Jurnal Asy-Syukriyyah Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Jurnal Arastirma Bima Journal : Business, Management and Accounting Journal Journal of Indonesian Management J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Jurnal Fokus Manajemen Mutlaqah: Jurnal Kajian Ekonomi Syariah Journal of Coaching and Sports Science Jurnal Hukum Ekonomi Syariah : AICONOMIA Borneo Islamic Finance and Economics Journal (BIFEJ) Imara: Jurnal Riset Ekonomi Islam Sharia Economic and Management Business Journal (SEMBJ) Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat Jurnal Asy-Syukriyyah An-Nisbah: Jurnal Ekonomi Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Journal of Visionary Sharia Economy (JOVISHE) Madania: Jurnal Kajian Keislaman BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Asnaini Asnaini, Asnaini
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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TINDAK TUTUR ILOKUSI BAHASA IKLAN PRODUK PADA MEDIA SOSIAL INSTAGRAM SHIREEN SUNGKAR Asnaini, Asnaini; Sari, Ayu Puspita Indah
Jurnal Ilmiah Bina Bahasa Vol 16 No 2 (2023): Jurnal Ilmiah Bina Bahasa
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat, Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/binabahasa.v16i2.2932

Abstract

Abstract: This research aims to describe how the illocutionary speech acts of advertising language on Shireen Sungkar's Instagram social media. This research is a type of qualitative research using Rusminto's theory (2009). The data collected in this study used observation techniques and recording techniques. The source of the data is from Shireen Sungkar's Instagram social media in the form of videos in Shireen Sungkar's Instagram channel. The data of this research uses speech in Shireen Sungkar's instagram advertisements taken in the video of Shireen Sungkar's instagram social media. The analysis techniques used by researchers in this study are (1) transcribing existing data (2) classifying data (3) grouping according to forms of speech acts (4) analyzing data (5) concluding research results. Based on the data and discussion, the researcher obtained and found that the advertising speech in Shireen Sungkar's Instagram video used illocutionary speech acts as much as 6 data. The illocutionary speech acts found are assertive, directive, commissive, and expressive consisting of 1 assertive illocutionary speech act, 3 directive illocutionary speech acts, 1 commissive illocutionary speech act, and 1 expressive speech act. The illocutionary speech acts of advertising language on Shireen Sungkar's Instagram social media products become a medium in promoting product results to be very effective. Keywords: Speech, Illocutionary Acts of Speech, Instagram Shireen Sungkar.
Penolakan Konsep Time Value of Money dalam Ekonomi Islam untuk Menjaga Pertumbuhan Ekonomi Tetap Produktif Asnaini, Asnaini; B, Idwal; Yuningsih, Ayu
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v2i1.2631

Abstract

This study aims to reveal that the concept of time value of money in Islamic economics is as a rejection of the practice of interest (usury) or economics that ignores the real sector. The study used qualitative methods of content analysis with secondary data. The results revealed that Islamic economics rejects the concept of time value of money. Money is money, not a commodity. Money should always be positioned as a medium of exchange regardless of changes or additional time. Time cannot be the cause for the increase in the value of money in the past that exists in the present. Additions that are allowed are additional because of both business and social transactions. Additions due to loan contracts that position money as a commodity are strictly prohibited (haram) because they lead to interest (usury) instead of profit (profit). If this happens, it will seriously endanger economic growth. The economy became uncompetitive and the principles in Islamic economics were not fulfilled.
Peran Badan Amil Zakat Nasional (BAZNAS) Provinsi Bengkulu dalam Meningkatkan Perekonomian Masyarakat Melalui Program Z-Mart Puspita sari, Jemi; Asnaini, Asnaini; Pramadeka, Katra
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 4 No. 1 (2025): Aiconomia In press
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v4i1.4942

Abstract

The rise of modern retail market businesses means small scale micro businesses are experiencing a lack of interest. This is due to the limited availability of trading materials for sale and limited capital.  The National Zakat Amil Agency is one of the official zakat management institutions in Indonesia that distributes zakat productively. One of BAZNAS' flagship programs is Z-Mart, which aims to empower mustahik through developing zakat-based retail businesses. This program not only provides business capital assistance, but also training, mentoring and professional business management to the beneficiaries. The aim of this research is to analyze the role of BAZNAS Bengkulu Province in improving the community's economy through the Z-Mart program. This stage includes implementation, distribution of funds and development of the Z-Mart program. Using qualitative descriptive methods, data was collected through observations and interviews with mustahik who received the Z-Mart program and BAZNAS Bengkulu Province in the field of collecting funds and utilizing zakat funds. These findings emphasize the importance of targeted distribution and community empowerment through coaching so that they can be productive and independent. This process cannot be separated from the aim of the Z-Mart program so that the sustainability of mustahik businesses can increase and mustahik become more independent..
Analisis Kinerja Keuangan Pada Perushaan Sektor Ritel Sebelum Dan Sesudah Akuisisi (PT Supra Boga Lestari TBK Tahun 2021-2022) Putriani, Anike; Asnaini, Asnaini; Indra, Yetti Afrida
Jurnal Arastirma Vol. 5 No. 1 (2025): JURNAL ARASTIRMA
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jaras.v5i1.46986

Abstract

Tujuan. Tujuan penelitian ini adalah untuk menganalisis kinerja keuangan pada Perusahaan Sektor Ritel sebelum dan sesudah Akuisisi PT Supra Boga Lestari Tbk pada tahun 2021-2022. Metode. Pada penelitian ini, peneliti menggunakan metode kuantitatif, dalam hal ini penelitian tidak menggunakan sampel karena penelitian hanya dilakukan pada satu perusahaan, dengan teknik pengumpulan data sekunder yaitu berupa laporan keuangan per triwulan pada tahun 2021-2022, adapun pengukuran kinerja keuangan yang digunakan yaitu berupa Rasio Likuiditias, Rasio Profitabilitas, Rasio Solvabilitas, dan Rasio Aktivitas. Teknik analisis data pada penelitian ini, menggunakan metode pengujian statistik deskriptif, uji normalitas data dan uji beda rata-rata berpasangan dengan menggunakan program SPSS versi 16. Hasil. Dari hasil penelitian dan pembahasan diketahui bahwa terdapat lima rasio keuangan yang diuji pada sebelum dan sesudah akuisisi tidak terdapat perbedaan yang signifikan yaitu Rasio Likuiditas (CR, QR), Rasio Solvabilitas (DTE, DTA), Rasio Profitabilitas (NPM) dan terdapat lima rasio yang diuji sebelum dan sesudah akuisisi memiliki perbedaan signifikan yaitu Rasio Profitabilitas (ROA, ROE, ROI, EPS), Rasio Aktivitas (TATO). Implikasi. Dengan adanya penelitian ini diharapkan dapat membantu untuk penelitian selanjutnya sebagai salah satu bahan literasi yang digunakan dalam menyelesaikan penelitian mengenai analisis kinerja keuangan pada perusahaan sektor ritel sebelum dan sesudah akuisisi.
Analisis Peran Strategis Bank Syariah Indonesia Terhadap Pertumbuhan Ekonomi di Indonesia Pasca Covid-19 Harniati, Resi; Asnaini, Asnaini; Muttaqin, Faisal
JOVISHE : Journal of Visionary Sharia Economy Vol. 1 No. 1 (2022): Edition June 2022
Publisher : Yayasan Lembaga Studi Makwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57255/jovishe.v1i1.78

Abstract

Tujuan penelitian ini adalah untuk mengetahui peran keberadaan Bank Syariah Indonesia (BSI) terhadap ekonomi di Indonesia berdasarkan pada perspektif muamalah yang berkaitan dengan syariah islam serta mengetahui peran strategis yang dilakukan Bank Syariah Indonesia (BSI) dalam mendorong pertumbuhan ekonomi di Indonesia pasca covid-19. Untuk menguji hal ini, peneliti menggunakan metode kualitatif dengan desain studi pustaka (library Research) dengan teknik pengumpulan data sekunder berupa observasi, studi literature dan dokumentasi. Teknik analisis data yang digunakan adalah analisis isi (Content Analysis). Dari hasil penelitian ditemukan bahwa keberadaan bank syariah Indonesia memiliki peranan penting dalam pertumbuhan ekonomi sebagai sektor industri keuangan syariah yang menerapkan prinsip muamalah berdasarkan Al-Quran dan as-sunnah,  dan peran strategis bank syariah Indonesia dalam meningkatkan pertumbuhan ekonomi salah satunya dengan meningkatkan perkembangan pembiayaan modal bagi pelaku usaha khususnya dibidang UMKM untuk meningkatkan aktivitas ekonomi yang berpengaruh pada pertumbuhan ekonomi Negara, untuk meningkatkan pendapatan produk domestik bruto (PDB), mengurangi tingkat kemiskinan dan pengangguran serta menjaga tingkat inflasi yang stabil. Dimana saat itu perekonomian Indonesia melemah di tahun 2020, bahkan seluruh dunia mengalami kesulitan ekonomi yang disebabkan oleh wabah covid-19, virus ini tidak hanya menyerang kesehatan fisik namun juga menyerang kesehatan ekonomi finansial manusia. Abstract The purpose of this study was to determine the role of the Indonesian Sharia Bank (BSI) in the economy in Indonesia based on the muamalah perspective related to Islamic sharia and to find out the strategic role played by the Indonesian Sharia Bank (BSI) in encouraging economic growth in Indonesia post-covid-19.  To test this, researchers used qualitative methods with a library research design with secondary data collection techniques in the form of observation, literature study and documentation.  The data analysis technique used is content analysis.  From the results of the study it was found that the existence of Indonesian Islamic banks has an important role in economic growth as an Islamic financial industry sector that applies muamalah principles based on the Al-Quran and as-sunnah, and the strategic role of Indonesian Islamic banks in increasing economic growth is one of them by increasing development  capital financing for business actors, especially in the field of UMKM to increase economic activity that affects the country's economic growth, to increase gross domestic product (GDP) income, reduce poverty and unemployment rates and maintain a stable inflation rate.  At that time, the Indonesian economy was weakening in 2020, even the whole world was experiencing economic difficulties caused by the Covid-19 outbreak. This virus not only attacked physical health but also attacked human financial and economic health.  
Potensi Kontribusi Institusi Pendidikan Islam Terhadap Perkembangan Bank Syariah di Indonesia Asnaini, Asnaini; Oktarina, Amimah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2020)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v6i1.3521

Abstract

Market share of Islamic banking in Indonesia is considered still small when compared to other majority Muslim countries. Currently the Indonesian sharia banking market share is only around 5.7 percent. But so far, the form of support from the Government to strengthen the role of Islamic education institutions in the utilization of Islamic banking in Indonesia is still very minimal. Therefore, this paper will reveal the potential of Islamic education institutions in developing Islamic banking in Indonesia. With the library method, an in-depth study of the topics discussed is conducted. The results of his discussion that the number of PTKIN in Indonesia as many as 58 PTKIN spread throughout Indonesia both UIN, IAIN, and STAIN. To increase the rate of development of Islamic banking, namely the Political Will Government to provide great support in the field of cooperation in Islamic Education Institutions with Islamic banking as a service used for payment traffic and community Break Up Trust towards Islamic banking by directing students especially to become sharia banking customers.
Pengaruh Volume Pembiayaan Bagi Hasil Dan Pembiayaan Murabahah Terhadap Kinerja Keuangan Bank Umum Syariah Periode 2015-2020 Quatro, Celine; Asnaini, Asnaini; Oktarina, Aminah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2021)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v7i1.2927

Abstract

This study aims to determine the effect of profit-sharing volume and murabahah financing on the performance of Islamic commercial banks for the 2015-2020 period. This research uses ECM (Error Correction Model) analysis with Eviews 8 software. The sample used in this study is 13 Islamic commercial banks that have been registered with the Indonesian Financial Services Authority (OJK). The sampling technique used the purposive sampling method because researchers needed certain criteria, namely Islamic commercial banks that have published financial ratios. The data used in this study are secondary data with documentary data collection techniques and literature studies. The results of this study indicate that the R square value is 0.0362370 indicating that 36% of changes in the ROA variable can be explained by independent variables and 64% are explained by other factors outside the model..
Analisis Kinerja Keuangan Bank Syariah Dengan Menggunakan Rasio Likuiditas, Solvabilitas dan Efisiensi Nopiantika, Tiara; Asnaini, Asnaini; Indra, Yetti Afrida
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v9i1.2603

Abstract

This study aims to determine the financial performance of Bank Muamalat Indonesia using liquidity, solvency and efficiency. this type of descriptive research with a quantitative approach. using secondary data, namely the annual financial statements of Bank Muamalat for the 2017-2020 period. The analysis technique of this research is Microsoft Excel software. The results showed that liquidity using the quick ratio and cash ratio of Bank Muamalat Indonesia's performance was not healthy, while using the loan to deposit ratio and asset to loan ratio the performance was said to be healthy. Solvency financial performance using the primary ratio and capital ratio is said to be healthy, while using the second risk ratio is not healthy. Financial performance with efficiency using cost of funds and an unhealthy levereg ratio, the higher the deposit interest rate, the higher the burden on the bank and the higher the risk of the company failing to pay creditors.
Peningkatan Profitabilitas Melalui Efisiensi Modal Kerja dan Likuiditas Pada Perusahaan Terdaftar di Jakarta Islamic Index (JII) Monalisa, Helen; Asnaini, Asnaini
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i1.2770

Abstract

This study aims to analyze the increase in profitability through working capital efficiency and liquidity in companies listed on the Jakarta Islamic Index (JII) for the period 2018-2020. The population of this study are 40 companies listed on the Jakarta Islamic Index (JII) for the period 2018-2020. The technique used in determining the sample is purposive sampling technique with a total sample of 15 companies. The results showed that working capital efficiency had an effective and significant effect on increasing profitability, while liquidity had a positive and insignificant effect on increasing profitability. The R-square value of 0.674286 indicates that the 67.42% increase in profitability indicated by ROE can be influenced by working capital efficiency and liquidity, while 32.58% is influenced by other variables outside of these variables.
Analisis Perilaku Konsumtif Pengguna Layanan Buy Now Pay Later dalam Konsep Konsumsi Menurut Muhammad Abdul Mannan Triyana, Triyana; Asnaini, Asnaini; Polindi, Miko
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1605

Abstract

Tujuan penelitian ini adalah untuk menganalisis dan menilai kesesuaian perilaku konsumtif mahasiswa pengguna layanan Buy Now Pay Later dalam konsep konsumsi menurut Muhammad Abdul Mannan. Penelitian ini merupakan penelitian lapangan yang menggunakan metode deskriptif kualitatif, dilakukan sejak Juni 2023 hingga Maret 2024, yang memfokuskan pada 14 mahasiswi dan 1 mahasiswa angkatan 2020, Program Studi Ekonomi Syariah, Universitas Islam Negeri Fatmawati Sukarno Bengkulu sebagai informan utama. Teknik pengumpulan data dilakukan melalui observasi langsung, wawancara mendalam, dan dokumentasi untuk mengumpulkan data yang akurat dan objektif mengenai fenomena di lapangan. Analisis data dilakukan melalui reduksi data, penyajian data, serta penarikan kesimpulan untuk menginterpretasikan data yang diperoleh. Hasil penelitian menunjukkan bahwa dalam penggunaan layanan Buy Now Pay Later oleh mahasiswa memiliki dampak yang ganda. Di satu sisi, layanan Buy Now Pay Later memberikan kemudahan dan fleksibilitas dalam memperoleh barang atau layanan tanpa menunggu ketersediaan dana. Di sisi lain, penggunaan berlebihan layanan ini dapat menjerumuskan mahasiswa ke dalam siklus utang, terutama bagi mereka yang kurang memiliki literasi finansial. Dampak negatif ini diperparah oleh perilaku konsumtif yang didorong oleh gratifikasi instan. Selain itu, perilaku konsumsi mahasiswa tersebut nyatanya seringkali bertentangan dengan prinsip-prinsip konsumsi yang diajarkan oleh Muhammad Abdul Mannan, seperti keadilan, kebersihan, kesederhanaan, kemurahan hati, dan moralitas, yang semuanya menekankan pentingnya keseimbangan, tanggung jawab, dan pertimbangan etis dalam konsumsi.
Co-Authors Abdul Kohar Adisel, Adisel Afrianty, Nonie Ahmad Muzakky Apriani, Yustika Arifin, Rahman Arisandy, Yosy Aulia, Atika Ayu Yuningsih Azizah, Rahmi Nur B, Idwal Bahril, Muthi Adilah Damayanti, Sindi Livia Dwi Anggraini, Adita Eenfryanti, Yunida Fachry Abda El Rahman Fatasya, Putri Aulia fatimah Fatimah Fryanti, Yunida Een Gloria, Chenny Maulyca Gunawan, Rolly Handayani, Metri Harniati, Resi Harpepen, Andi Hartini, Kustin Heriansyah Hilmi, M. Izdad Idwal, Idwal Ilmi, Muhammmad Izdad Indra, Yetti Afrida Investama, Tirta Irwan Abdullah Irwan Irwan Isnaini, Desi Joyo, Harisman Junaidi, Anwar Kustin Kustin, Kustin Lesmana, Gusman lestari, lupi ayu Makmur Makmur Marandika, Muhammad Andrian Miko Polindi Miko Polindi, Miko Monalisa, Helen Muttaqin, Faisal Muttaqin, Fasial Nopiantika, Tiara Novita, Dwi Novitasari, Riri Nur Wahidah, Titi Oktarina, Amimah Oktarina, Amimah Oktarina, Aminah Pramadeka, Katra Purnamasari, Helen Puspita sari, Jemi Puspita, Yeza Putra, Haris Maiza Putri, Anindya Cahya Putri, Anita Eustacia Putriani, Anike Qara, Indra Bagas Quatro, Celine Rahmat Hidayat Rini Elvira Rini Fitria, Rini Safitri, Tia Angraini Saputra, Susilo Adi Sari, Ayu Puspita Indah Septyana, Mutiara Shar, Aan Subhan Subhan Triyana, Triyana Uswatun Hasanah Wahyudi, Jarot Wasisman, Zeti Agesti Yani, Yepi Yanti, Atika Norma Yanto, Muhammad Pebri Yuningsih, Ayu Yusril Yusril YUSTATI, HERLINA Zaldi, Farhan Zulkarnain Zulkarnain