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All Journal Al-'Adalah 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 EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Indonesian Journal of Islamic Business and Economics (IJIBE) 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 Priviet Social Sciences Journal Jurnal Ekonomi Islam Jurnal Al-Wasith : Jurnal Studi Hukum Islam ISJOUST Jurnal Informatika Ekonomi Bisnis AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah J-CEKI 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 Mathematics Social Sciences Other

Published : 54 Documents Claim Missing Document

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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.

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

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

IMPLEMENTASI FATWA DSN-MUI NOMOR 4/DSN-MUI/2000 TENTANG MURABAHAH PADA BMT DI PROVINSI LAMPUNG juliana, juliana; Liky Faizal; Ruslan Abdul Ghofur
Jurnal Al-Wasith : Jurnal Studi Hukum Islam Vol. 5 No. 2 (2020): Jurnal Al-Wasith: Jurnal Studi Hukum Islam
Publisher : Universitas Nahdlatul Ulama Al Ghazali Cilacap

Writing this journal is motivated by the author's curiosity to find out the financing mechanism for BMT DMS and BTM BIMU in applying Murabahah financing products. More specifically, this study is aimed at analyzing the suitability of the DSN-MUI fatwa regarding Murabahah with the operational procedures for Murabahah financing at BMT DMS and BTM BIMU. In addition, the central position of DSN-MUI as the holder of authority over the status of halal products in Islamic Financial Institutions in Indonesia, LKMS is obliged to comply with all DSN-MUI fatwas regarding the financial products they practice. Murabahah financing products are financing products that are certainly profit and profitable, so they become superior products at BMT DMS and BTM BIMU. Then how is the implementation of murabahah financing at BMT DMS and BTM BiMu and how is the fatwa analysis of DSN MUI No. 04 / DSN-MUI / IV / 2000 on murabahah financing at BTM BiMu and BMT DMS. With the aim of this thesis research is Knowing the implementation of murabahah financing in BTM BiMu and BMT DMS and Knowing the DSN-MUI fatwa analysis on murabahah financing on BTM BiMu and BMT DMS. Data processing methods from research used, namely by interview, observation and literature study methods or with primary data and secondary data. This research is a field research, and the method used is descriptive qualitative analysis. In addition, the analysis also uses inductive analysis. The results show that the implementation of Murabahah in BTM BiMu and BMT DMS generally uses two models, namely direct Murabahah and represented murabahah (bil wakalah). In general, the practice of direct murabahah financing has met the requirements imposed by the DSN-MUI.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i1.4895

Face to Face Consumption According to Conventional and Islamic Concept Basrowi Basrowi; Ruslan Abdul Ghofur
Islamic Studies Journal for Social Transformation ISJOUST Vol 3, No 1, 2019
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) IAIN Pekalongan

The purpose of this study is to get detailed answers to the differences between consumption concepts from conventional and Islamic perspectives. Face to face comparison is believed to provide a complete picture of the differences in these two perspectives. The method used to answer the above problems is by qualitative methods, precisely the method of literature. The results of the in-depth study show that there are very essential differences between the concepts of consumption according to conventional and Islamic perspectives. The difference is not only in values, principles, but also in the application of daily application. This research gives a new perpective in the scientific repertoire of consumption concepts according to Islam because it is able to present differences face to face to get clarity on a phenomenon

The Role of Muslim Generation Community at Zakat Collection on Realizing Sustainable Development Goals (SDGs) in the Era of Digital Society 5.0 Rizal Rizal; Ruslan Abdul Ghofur; Pertiwi Utami
JURIS (Jurnal Ilmiah Syariah) Vol 22, No 1 (2023)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/juris.v22i1.6562

The large potential of zakat funds can support the government’s efforts in alleviating poverty. However, its management has not been seen optimally even though BAZNAS has been designated as the official agency and the only non-structural government agency that manages zakat. This study aims to investigate the important role of the human generation who are members of the Muslim community in collecting zakat at the BAZNAS in the era of digital society 5.0 to realize the SDGs. This study uses a literature study method with library data collection techniques, reading and taking notes, and managing research materials by tracing written sources that have been previously written. This study uses content analysis techniques to obtain written information that focuses on four dimensions, namely human generation, Muslim community, zakat collection, and sustainable development goals. The findings reveal that two generations of humans are members of the Muslim community that have the potential to increase zakat collection. Deeper, Maqāṣid shari’āh as the essence of Islamic law through the values of justice, freedom, and human rights of the Muslim community will support the goal of collecting zakat. The novelty of this research found that building the strength and glory of BAZNAS in the era of digital society 5.0 requires strong social ties from the entire Muslim generation community, especially the younger generation community. The main contribution of this research highlights the ‘zakat movement’ led by BAZNAS to pay more attention to the role of the millennial Muslim generation community and iGeneration in supporting zakat empowerment programs to realize Sustainable Development Goals.

Co-Authors Abdul Qodir Zaelani Adinda, Delvira Rahma 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 Fuadi, Fatih Gustarina Andini Gustika Nurmalia Heni Noviarita Hidayati, Putri Nur Intan Suri Mahardika Pertiwi Ipando, Ogi Marsenal Ja'far, Khumaidi Juliana Juliana Khumaidi Ja'far Leni Riski Hayati 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 Pratiwi, Palupi Purnama Sari, Nova Purwaningtyas, Sifa Ismi Putri Nur Hidayati Ranny Aprilia Pratiwi Ranny Aprilia Pratiwi Reska Maulida Reyhan Aulia Rika Juwita Rizal Rizal Rohmah, Rifka Nazilatur Safira, Isti Santika, Ana Solihah, Adinda Putri Zakiyatus Suhendar Suhendar Suhendar Suhendar Suhendar Suhendar, Suhendar Surono , Surono -, Surono Syamsul Hilal Syamsul Hilal Tulus Suryanto Utami, pertiwi Wiraputra, Jhody Yulia Andriani, Yulia Yulistia Devi Yulistia Devi

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