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All Journal Al-'Adalah IQTISHADIA ISLAMICA: Jurnal Studi Keislaman I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Ekonomi dan Bisnis Islam jurnal niara Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Perspektif Ekonomi Darussalam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Ekonomi Islam Distribusi ILTIZAM Journal of Sharia Economic Research Journal of Economic, Management, Accounting and Technology (JEMATech) YUME : Journal of Management Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah Jurnal Surya Kencana Satu : Dinamika Masalah Hukum dan Keadilan FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Informatika Ekonomi Bisnis Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal E-Bis: Ekonomi Bisnis Indonesian Journal of Islamic Business and Economics (IJIBE) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal La Bisecoman ProBisnis : Jurnal Manajemen Salam (Islamic Economics Journal) JURIS (Jurnal Ilmiah Syariah) Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Educational Research Excellence (IJERE) Digital Business Tren Bisnis Masa Depan Jurnal Ekonomi Islam Jurnal Al-Wasith : Jurnal Studi Hukum Islam ISJOUST Jurnal Informatika Ekonomi Bisnis AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Infaq: Jurnal Ekonomi Islam

Ruslan Abdul Ghofur

Universitas Islam Negeri Raden Intan Lampung

Author-ID : 608834

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Comparison Of Sharia Performance And Conventional Mutual Funds In Forming Optimal Portfolio Rika Juwita; Ruslan Abdul Ghofur; Erike Anggraini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 2 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

This research aims to analyze the differences in the performance of Islamic stock mutual funds and conventional stock mutual funds in forming an optimal portfolio using the Sharpe and Treynor models. Purposive sampling was used in determining the data sample which was then analyzed using the descriptive method with a comparative study during the period January 2018 to December 2019. Hypothesis testing used a different test to determine the difference between the two using the SPSS Application Tool. The results showed that the calculation of the performance of stock mutual funds using the Sharpe method, both Islamic and conventional stock mutual funds, there was no significant difference. Likewise, the results of the calculation of the performance of stock mutual funds using the Treynor method show that there is no difference between the performance of Islamic stock mutual funds and conventional stock mutual funds. This is one proof of the development of the Islamic economy in Indonesia, especially in the capital market, so that Islamic mutual funds can compete with conventional mutual funds.

OPTIMALISASI ZAKAT PRODUKTIF DALAM PENGEMBANGAN USAHA INDUSTRI RUMAHAN (STUDI PADA HOME INDUSTRI KERUPUK DI KOTA BANDAR LAMPUNG) Deki Fermansyah; Putri Nur Hidayati; Ruslan Abdul Ghofur
Indonesian Journal of Islamic Business and Economics Vol 2 No 1 (2020): IJIBE
Publisher : Center of Islamic Economics and Halal Business, Faculty of Economics and Business, Universitas Jenderal Soedirman,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20884/1.ijibe.2020.2.1.2795

Usaha mikro merupakan sektor usaha yang telah terbukti berperan penting dalam mengatasi dampak dari krisis ekonomi yang pernah melanda Indonesia ditahun 1997. Namun masih banyak permasalahan yang dihadapi oleh usaha mikro ini, yakni kurang mampu bersaing dengan produsen besar, sulitnya akses terhadap informasi sumber daya produktif seperti modal dan teknologi, yang berakibat menjadi terbatasnya kemampuan usaha mikro untuk berkembang. Oleh karena itu dibutuhkan satu metode yang bisa memberdayakan masyarakat miskin,danmemberikan kemudahan bagi masyarakat miskin untuk mendapatkan akses modal untuk berusaha. Salah satunya adalah zakat. Zakat produktif adalah dimana dana zakat yang diberikan berupa modal usaha mustahik untuk mengembangkan usahanya. Rumusan masalah penelitian ini adalah 1).Bagaimana implementasi penyaluran zakat produktif pada home industri kerupuk kemplang di Kota Bandar Lampung 2).Bagaimana pendayagunaan zakat produktif dalam pengembangan home industri kerupuk kemplang di Kota Bandar lampung. Tujuannya penelitian ini adalah 1).Mengetahui bagaimana implementasi penyaluran zakat produktif pada home industri kerupuk di Kota Bandar Lampung 2). Mengetahui bagaimana pendayagunaan zakat produktif dalam pengembangan home industri kerupuk di Kota Bandar lampung. Jenis penelitian yang dilakukan dengan menggunakan pendekatan kualitatif berupa penelitian lapangan. Populasi dan sampel peneltian ini adalah pelaku usaha home industri kerupuk kemplang di Kota Bandar Lampung sebanyak 8 home industri.Teknik pengumpulan data menggunakan metode observasi, wawancara dan dokumentasi. Teknik pengumpulan sampel dengan menggunakan pendekatan sampling jenuh. Analisis data menggunakan pendekatan deskriptif kualitatif. Hasil penelitian menunjukan bahwa, dalam implementasi penyaluran dana zakat produktif oleh Rumah Zakat melalui beberapa tahapan, yaitu proses penyeleksian, studi kelayakan bisnis, penyuluhan, pengawasan serta evaluasi. Pendayagunaan zakat produktif terhadap pelaku usaha home industri kerupuk kemplang di Kota Bandar Lampung berupa modal usaha sudah cukup berhasil dalam membantu pengembangan usaha mustahik, dilihat dari omzet dan keuntungan penerima manfaat yang rata-rata mengalami kenaikan. Omzet hingga 37% dan keuntungan hingga 48%. Namun, dalam pelaksanaannya masih terdapat beberapa kendala, seperti penyalahgunaan bantuan modal usaha untuk memenuhi kebutuhan lain berupa konsumtif dan kesehatan.

The Effect Digitalization Zakat Payment Against Potential of Zakat Acceptance in National Amil Zakat Agency Pertiwi Utami; Tulus Suryanto; M. Nasor; Ruslan Abdul Ghofur
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7809

The purpose of this study was to determine the effect of digitalization zakat payments on the potential for zakat acceptance at the BAZNAS Jakarta center. The originality of this research lies in the digitalization analysis of zakat payments to increase the potential for receiving BAZNAS center based on sharia economic approaches, and digital technology theory. The research method used is associative quantitative using a simple linear regression analysis technique with a sample size of 170 respondents selected based on purposive sampling technique. From the results of data analysis using SPSS 19.0, an R-value of 74.8% was obtained, which means that the relationship between the digitalization of zakat payments and the potential for receiving zakat at the BAZNAS is strong. The findings show that the digitalization variable of zakat payment or zakat payment (X) influences the potential for zakat receipt (Y) of 55.9%, and the remaining 40.1% is influenced by other factors not considered. Based on the results of deepening between the theory and practice of digital zakat revealed that the challenges in efforts to increase the potential for digital zakat acceptance in Indonesia are internet access which is still weak and uneven in Indonesian territory, building an 'attachment' relationship between mustahiq, muzzaki and BAZNAS, and the application of principles of sharia in the management of zakat. Therefore, the research explains the strategies that can be done to answer the challenges of digital zakat.

PENGARUH TECHNOLOGY ACCEPTANCE MODEL TERHADAP KEPUTUSAN MUZAKKI MEMBAYAR ZAKAT MELALUI FINTECH GOPAY (STUDI PADA MUZAKKI BAZNAS DKI JAKARTA) Afiful Ichwan; Ruslan Abdul Ghofur
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Indonesia is one of the countries with the most Muslim population. but in Indonesia zakat so far the realization of its acceptance is far from the existing potential. Baznas as a government institution authorized to carry out the processing and distribution of Zakat funds continues to increase Zakat receipts by working together to bring innovative Zakat facilities through fintech Gopay, the results of this innovation with fintech Gopay have managed to help collect donations of 63 billion. By using the Technology Acceptance Model. the authors analyze and understand the factors in influencing the acceptance of use through technology. The formulation of the problem how the influence of the Technology Acceptance Model on the decision to pay Zakat through Fintech Gopay? The results of the study concluded that the Technology Acceptance Model (perceived usefulness and perceived ease of use) partially and simultaneously influences the decision to pay Zakat through Fintech Gopay Keywords: Technology Acceptance Model, Zakat, Gopay fintech, Decision.

Sharia Compliance Implementation on Gold Pawn Products at Sharia Pawnshops and Sharia Banks XYZ Nova Purnama Sari; Ruslan Abdul Ghofur; Khumaidi Ja'far; Surono ,
ILTIZAM Journal of Shariah Economics Research Vol. 5 No. 2 (2021): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v5i2.781

Sharia compliance (sharia compliance) in the gold pawn business in the current era tends to be often violated by sharia companies in order to get greater profits. Even though interest in Islamic gold pawns continues to increase. On the other hand, the shariah compliance component is the main differentiator between sharia companies and conventional companies. Therefore, this study aims to analyze how the implementation of shariah compliance on gold pawn products is applied to Sharia Pawnshops and Mandiri Syariah Banks in Metro City, Lampung. The research was conducted in 2019 at the Syariah Pawnshop and Mandiri Syariah Bank in Metro City. The research method used is a case study in both sharia companies, with a qualitative descriptive analysis method by comparing the implementation of the gold pawn in the two sharia companies with the MUI fatwa and six shariah compliance indicators that the calculation formula does not purely use the loan amount as a cost determination, but only uses presentation only. While the administrative costs are different for each group, the Sharia Pawnshop will provide discounts for customers who do not borrow in full on the estimated pawned goods. Then the administrative costs at Bank Syariah Mandiri have details that are in accordance with the costs that are clearly needed, namely 2 stamps and 0.133% of the loan value

The Influence of Sharia Complaince Against Fraud on The Sharia Banks In Indonesia Ana Santika; Ruslan Abdul Ghofur
Journal of Economic, Management, Accounting and Technology (JEMATech) Vol 3 No 1 (2020): Februari
Publisher : Fakultas Teknik dan Ilmu Komputer, Universitas Sains Al-Qur'an (UNSIQ) Wonosobo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jematech.v3i1.784

Penelitian ini bertujuan untuk menganalisis seberapa besar pengaruh syariah complaince terhadap profitabilitas Bank Umum Syariah Indonesia. Sampel dipilih dengan metode purposive sampling sehingga didapat 9 sampel bank umum syariah Unit analisis dalam penelitian berjumlah 45 laporan tahunan Bank Umum Syariah. Pendekatan penelitian dengan metode kuantitatif menggunakan data sekunder. Jenis data kuantitatif berupa data laporan keuangan (annual report) masing-masing bank dari tahun 2013 sampai 2017. Hasil dari penelitian ini dilihat dari hasil uji F, variabel Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), dan Islamic Invesment Ratio (IIR) secara simultan tidak berpengaruh signifikan terhadap variabel fraud. Dari hasil uji t variabel Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), dan Islamic Invesment Ratio (IIR) tidak berpengaruh dan tidak signifikan terhadap variabel fraud. Berdasarkan hasil analisis diatas dengan tidak adanya pengaruh tersebut disebabkan, kegiatan pada perbankan syariah saat ini melaksanakan kepatuhan pada prinsnip-prinsip syariah, karena semakin rendah tingkat fraud semakin tinggi tingkat shariah complaince pada perbankan syariah. Bagi pihak bank tetap harus meningkatkan tingkat kepatuhan pada pinsip-prinsip syariah dan juga melakukan kegiatan terhadap pencegahan penipuan.

Affect Sharia Compliance and Exchange on the Balance of Payment Insurance Deficit in Indonesia Dewi Tradena; Ruslan Abdul Ghofur; Erike Anggraini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 2 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Annual balance of payments insurance which has increased. An increase in the balance of payments deficit, if not immediately addressed, will have a negative impact on the country's economy and hinder the country's development and ultimately prosperity will be difficult to achieve. The purpose of this study was to examine the effect of financial performance, total sharia reinsurance assets, sharia compliance and exchange rates on the insurance balance of payments deficit in Indonesia. The method used in this research is quantitative research with the data used is secondary data in the form of time series obtained from the Financial Services Authority. Data collection uses documentation, in the form of quarterly data starting from 2010Q1-2019Q4. The total sample in this study was 40 research samples. The collected data were analyzed using multiple linear regression. The test instrument used was the SPSS IBM 21. This study shows that simultaneously financial performance, total sharia reinsurance assets, sharia compliance and the exchange rate have a significant effect on the insurance balance of payments deficit in Indonesia with a significance of 0.000. while the results of the partial test show that financial performance, total assets of sharia reinsurance, sharia compliance negatively affect the insurance balance of payments deficit in Indonesia. Meanwhile, the exchange rate has a significant and positive effect on the insurance balance of payments deficit in Indonesia. The coefficient of determination of Adjusted R^2 is 0.610 or 61%. That is, the ability of the independent variables namely financial performance variables, total assets, sharia compliance and the exchange rate in explaining the dependent variable, namely the Indonesian insurance balance of payments deficit for the 2010-2019 period is 61% and the remaining 49% is influenced by other variables outside the model that are not the study of this research. . Keywords; Balance of Payments Deficit, Exchange Rate, Sharia Compliance

Financial Sustainability Ratio (FSR) Pada BUS di Indonesia Tahun 2012-2018: Penggunaan Metode Maqashid Syariah Index (MSI) Rifka Nazilatur Rohmah; Ruslan Abdul ghofur Noor; Erike Anggraeni
Al-Tijary AL-TIJARY VOL. 6, NO. 2, JUNI 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Many methods can be used in measuring company finances, including Islamic Commercial Banks. Maqashid Sharia Index (MSI) is a measuring tool in calculating the Financial Sustainability Ratio (FSR). This study aims to measure the FSR of Islamic commercial banks using the MSI measuring instrument method. The results will see the extent to which MSI can calculate the FSR of Islamic retail banks. MSI also estimates how far MSI is connected to the FSR. The method used in this research is descriptive quantitative research. The data obtained is in the form of secondary data. The data is compiled based on the financial reports of BUS that are registered with the OJK from 2012 to 2020. Sampling was done using the purposive sampling technique. The data collection technique uses the documentation method. The analysis used includes regression test, partial test, ANOVA test, and coefficient of determination. The results showed that MSI has a positive effect on FSR. MSI also provided information that the FSR provided positive results for Islamic commercial banks by being aware of the ummah's problems.

STRATEGI DIGITAL MARKETING DI MASA PANDEMI COVID- 19: STUDI UMKM DI KOTA METRO Gustarina Andini; Moh. Bahrudin; Ruslan Abdul Ghofur
Distribusi - Journal of Management and Business Vol. 10 No. 2 (2022): Distribusi, September 2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v10i2.199

Beberapa pelaku UMKM Kuliner di Kota Metro dimasa Covid-19, mengalami penurunan penjualan. Salah satunya Kripik Pisang Tunas. Hal ini menyebabkan pelaku usaha mengalami kerugian yang cukup signifikan. Oleh karena itu, perlu strategi yang tepat dalam mengatasi permasalahan yang terjadi misalnya dengan melakukan strategi penggunaan digital marketing. Penelitian ini menjelaskan efektifitas penggunaan digital marketing dalam meningkatkan penjualan pelaku usaha kuliner, khususnya Kripik Pisang Tunas Metro di masa pandemi Covid-19. Peneliti menggunakan metode penelitian kualitatif dengan pendekatan penelitian lapangan. Sebelum adanya pandemi covid-19 penjualan Kripik Pisang Tunas mengalami peningkatan tetapi tidak signifikan. Setelah adanya pandemi covid-19 dengan merubah pemasaran yang sebelumnya offline menjadi digital marketing maka penjualan mengalami peningkatan secara signifikan karena jangkauan pemasaran yang semakin luas. Hal ini menunjukkan bahwa UMKM yang memanfaatkan digital marketing mampu bertahan di tengah pandemi Covid-19.

Co-Authors Abdul Qodir Zaelani Afiful Ichwan Ali Mustofa Amanatun Nisfah Nurun Nikmah Ana Mustaâ€™anah Ana Santika Andri Andri anggi saputra Apriani, Rahma Ayuning Larasati Basrowi Basrowi Citra Etika Deki Fermansyah Dewi Tradena Diah Prayogi Diah Dini Anggraini, Dini Diyah Anggraeni Diyah Anggraeni Erike Anggraeni Erike Anggraini Erike Anggraini Ermawati, Liya Ersi Sisdianto Eva Dwiana Evi Ekawati Fadila, Dila Fatih Fuadi Gustarina Andini Gustika Nurmalia Heni Noviarita Heni Noviarita Hidayati, Putri Nur Intan Suri Mahardika Pertiwi Juliana Juliana Khumaidi Ja'far Liky Faizal M. Nasor, M. Madnasir Madnasir Maimun Marfilia, Alda Moh Bahrudin Muhammad Iqbal Fasa Muhammad Nasor Muhammad Zaki Nadila, Nadila Nova Purnama Sari Nur Wahyu Ningsih Nur Wahyu Ningsih Nurul Hida Yati Pertiwi Utami Pertiwi Utami Pranika, Ranita Purwaningtyas, Sifa Ismi Putri Nur Hidayati Ranny Aprilia Pratiwi Ranny Aprilia Pratiwi Rifka Nazilatur Rohmah Rika Juwita Rizal Rizal Santika, Ana Solihah, Adinda Putri Zakiyatus Suhendar Suhendar Suhendar Suhendar Surono , Syamsul Hilal Syamsul Hilal Tulus Suryanto Utami, pertiwi Yulistia Devi

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