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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 EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) 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 Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Infaq : Jurnal Ekonomi Islam
Ruslan Abdul Ghofur
Universitas Islam Negeri Raden Intan Lampung
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

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Pengaruh PDRB Perkapita, Populasi dan Partisipasi Angkatan Kerja Terhadap Kemiskinan di Pulau Sumatera: Perspektif Ekonomi Islam Adinda, Delvira Rahma; Ghofur, Ruslan Abdul; Etika, Citra
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.7976

Abstract

This study aims to analyze the influence of per capita GRDP, population, and labor force participation rate (TPAK) on poverty in 10 provinces on Sumatra Island during the 2019–2023 period from an Islamic economic perspective. The data used in this study are panel data sourced from the Central Statistics Agency (BPS), and analyzed using a quantitative approach with the selected regression model, the Fixed Effect Model (FEM). Data analysis using EViews 10 software. The results of this study indicate that partially GRDP per capita has a negative and insignificant effect on poverty in 10 Provinces of Sumatra Island, with a coefficient value of -0.000834 and a probability of 0.6233 (> 0.05), and Labor Force Participation Rate has a negative and insignificant effect on poverty in 10 Provinces of Sumatra Island with a coefficient value of -1.669434 and a probability of 0.6618 (> 0.05), while population has a negative and significant effect on poverty in 10 Provinces of Sumatra Island with a coefficient value of -0.057793 and a probability of 0.0047 (< 0.05). Simultaneously, GRDP per capita, population, and labor force participation rate together have a significant effect on poverty in 10 Provinces of Sumatra Island with an f-statistic value of 1716.848 and an f-statistic probability of 0.000000 (< 0,05). From an Islamic economic perspective, poverty alleviation efforts must also incorporate principles of justice, such as zakat and waqf. These findings provide useful insights for policymakers in formulating effective strategies to improve public welfare.
Mekanisme Pinjaman Tanpa Bunga Kepada UMKM di Dinas Koperasi dan Perindustrian Kota Bandar Lampung Persfektif dalam Hukum Ekonomi Syariah Ruslan Abdul Ghofur; Eva Dwiana; Heni Noviarita; Muhammad Zaki; Maimun
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 12 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i12.4048

Abstract

Following the global impact of Covid-19 on the economy, including Indonesia's, the Bandar Lampung City government has introduced an interest-free loan program aimed at UMKM to help revive the country's economy. During this crisis, it is crucial for the government to prioritize the UMKM sector as it plays a significant role in GDP and serves as a crucial source of employment, substituting the production of consumer goods or semi-finished goods. The interest-free and collateral loan program, initiated by the Bandar Lampung City Government through the Office of Cooperatives and Micro Enterprises (Diskop UKM), is designed to bolster the growth of Micro, Small, and Medium Enterprises (UMKM) in the region. The goal is to increase access to capital for MSMEs that do not have collateral or a good credit history, as well as create jobs. The program also promotes the Islamic principles of mutual care and justice. The use of APBD funds and loan requirements have been adjusted to the maqasid al-shariah principle. The Bandar Lampung City Government needs to make updates to improve the effectiveness of this program in terms of transparency, accessibility, requirements, procedures, and risk assessment.
PENGARUH TECHNOLOGY ACCEPTANCE MODEL TERHADAP KEPUTUSAN MUZAKKI MEMBAYAR ZAKAT MELALUI FINTECH GOPAY (STUDI PADA MUZAKKI BAZNAS DKI JAKARTA) Ichwan, Afiful; Abdul Ghofur, Ruslan
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 | DOI: 10.22236/jei.v12i1.4895

Abstract

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  
OVERVIEW THE LAW OF ZAKAT PAYMENT USES FINTECH IN ISLAMIC PERSPECTIVE Ghofur, Ruslan Abdul; Ichwan, Afiful
Al-Infaq: Jurnal Ekonomi Islam Vol. 11 No. 2 (2020): SEPTEMBER
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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

Abstract

The current development of technology 4.0 has made many major changes, especially in the transaction model. The presence of Financial Technology (Fintech) has transformed cash transactions into a non-cash transaction model that can be done without having to meet face to face. This gives people the convenience of making transactions. Not only in transactions of economic activity, but also non-cash payment through Fintech have been used in paying zakat. The purpose of this research is to find out how the laws of Fintech are used to pay zakat. In this study, the authors used a literature study research method, namely by searchingfor documents such as national and international journals, books, and websites related to research. The results of the analysis using the nine principles of Islamic law conclude that legal fintech itself is allowed as long as the transaction does not contradict sharia principles and does not contain elements of danger.
ANALYSIS OF SHARIA INNOVATION STRATEGIC AND EFFICIENCY TOWARD SUSTAINABLE ABILITY SHARIAH MANDIRI BANKS IN LAMPUNG Andri, Andri; Suryanto, Tulus; Ghofur, Ruslan Abdul; Anggraeni, Erike
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 6 No. 1 (2020): JANUARY-JUNE 2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v6i1.18712

Abstract

This study aims to reveal the influence of factors that influence the ability of 'sustainable banks' in facing threats from the internal and external environment, especially financial technology. The novelty of this article lies in the discovery of research results that provide a complex development model in the strategy of Islamic financial institutions in maintaining sustainable capability. Quantitative research methods with Islamic economics approach are chosen to answer the research hypotheses. The 30 sample respondents consisting of Branch Managers and Senior Employees from branch offices and sub-branch offices of the Bank Syariah Mandiri (BSM) Lampung Province are potential primary data used. The results revealed that there was a positive and significant effect of 80.6% between sharia innovation and efficiency on the sustainability of Bank Syariah Mandiri in Lampung Province. While the remaining 18.4% is influenced by other variables not examined in the study. In creating new innovations and efficiencies, BSM Lampung Province must always be in the corridors of Islamic principles as rahmatan lil alamin.Keywords: Bank, Efficiency, Innovation, Sharia, Sustainability
ANALISIS  PENGARUH  REALISASI PENDAPATAN NEGARA, PENGELUARAN PEMERINTAH, DAN  ZAKAT TERHADAP TINGKAT KEMISKINAN DI INDONESIA DITINJAU DALAM  PERSPEKTIF EKONOMI ISLAM (2001-2024) Reyhan Aulia; Ruslan Abdul Ghofur; Yulistia Devi
Jurnal Media Akademik (JMA) Vol. 3 No. 11 (2025): JURNAL MEDIA AKADEMIK Edisi November
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/n0nq8065

Abstract

Kemiskinan telah menjadi permasalahan penting menjadi, yang dapat menyebabkab permasalahan dalam stabilitas ekonomi dan perkembangan sosial. Meskipun pendapatan negara dan pengeluaran pemerintah terus meningkat disetiap tahun, tingkat kemiskinan di Indonesia masi belum memperlihatkan penurunan yang signifikan dari tahun ketahun. Di sisi lain, potensi zakat yang besar belum sepenuhnya bias mengoptimalkan  sebagai instrumen pengentasan kemiskinan. Fenomena ini memberikan pertanyaan penting yang belum banyak diteliti. Sehingga Penelitian ini dilakukan untuk menganalisis apa pengaruh pendapatan negara, pengeluaran pemerintah, dan zakat berpengaruh terhadap tingkat kemiskinan di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linier berganda. Pengujian dilakukan menggunakan model regresi berganda yaitu uji normalitas, multikolinearitas, heteroskedastisitas, normalitas, uji T, uji f, dan uji R2 . Jenis data yang digunakan merupakan data sekunder yang diambil  dari Badan Pusat Statistika (BPS) Indonesia, dan badan amil zakat(BAZNAS). Data meliputi pendapatan negara, pengeluaran pemerintah,  zakat, dan tingkat Kemiskinan di  Indonesia dari tahun 2001-2024. Hasil penelitian memberikan penjelasan bahwa pendapatan negara memiliki pengaruh negatif signifikan terhadap tingkat kemiskinan, sedangkan pengeluaran pemerintah memiliki pengaruh positif signifikan terhadap tingkat kemiskinan. Zakat   menunjukkan pengaruh negatif tidak signifikan terhadap tingkat kemiskinan. Dalam perspektif ekonomi Islam, menggaris bawahi pentingnya pemberdayaan tingkat kemiskisnan yang bijaksana dan berbasis syariah, yang menghindari terkadinya riba dan memastikan bahwa dapat digunakan untuk pembangunan yang berkelanjutan. Secara keseluruhan, penelitian ini menyimpulkan bahwa tingkat kemiskinan mempertimbangkan faktor makro ekonomi dan kondisi ekonomi yang lebih luas, serta penerapan prinsip-prinsip ekonomi Islam untuk mencapai keberlanjutan dan keadilan
Co-Authors Abdul Qodir Zaelani Adinda, Delvira Rahma Afiful Ichwan Ali Mustofa Amanatun Nisfah Nurun Nikmah Ana Musta’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 Ja'far, Khumaidi 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 Purnama Sari, Nova Purwaningtyas, Sifa Ismi Putri Nur Hidayati Ranny Aprilia Pratiwi Ranny Aprilia Pratiwi Reyhan Aulia Rika Juwita Rizal Rizal Rohmah, Rifka Nazilatur Santika, Ana Solihah, Adinda Putri Zakiyatus Suhendar Suhendar Suhendar Suhendar Suhendar Suhendar, Suhendar Surono , Surono -, Surono Syamsul Hilal Syamsul Hilal Tulus Suryanto Utami, pertiwi Yulistia Devi Yulistia Devi