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All Journal al-Afkar, Journal For Islamic Studies Journal Islamic Economics Ad Diwan As-Syirkah: Islamic Economic & Financial Journal
Moh. Asep Zakariya Ansori
Institut Ummul Quro Al-Islami Bogor
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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MANAJEMEN KEUANGAN ALA RASULALLAH SAW DAN PARA SAHABAT DALAM BERDAKWAH Moh. Asep Zakariya Ansori
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 2 No 2 (2023): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v2i02.534

Abstract

This paper discusses the Financial Management Ala Rasulallah Saw and the Companions so that they can be used for preaching to spread Islam. financial management is carried out to organize a fair and solid economic order of society so that the prophet's preaching mindset is not only through war and bloodshed but through good management and management. Balanced and transparent management of state revenues and expenditures is one of the policies that must be carried out to maintain the welfare of the community. The purpose of this paper is to review the management and economic policies that have been made by Rasulallah Saw so that they can be applied in the present. The method used in this writing is qualitative, namely by analyzing various reading literature and drawing a conclusion
PENGARUH MODAL USAHA DAN LOKASI USAHA TERHADAP PENDAPATAN UMKM DI DESA TAPOS I KECAMATAN TENJOLAYA KABUPATEN BOGOR Gunawan Marwan; Moh. Zaenal Muttaqin; Moh. Asep Zakariya Ansori
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 2 No 2 (2023): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v2i02.535

Abstract

Income can be influenced by different elements, this study uses initial capital, and business location as independent variables. This study aims to determine the impact of start-up capital and business location on income. The sample of this research is 80 respondents who are MSMEs in Tapos I Village, Tenjolaya District, Bogor Regency. Data collection techniques using a questionnaire. The analysis technique used is multiple linear regression, with income as the dependent variable and initial capital and business location as independent variables. After the classical assumption test, the results of the data are normally distributed and do not experience deviations. Judging from the results of the F test, it is found that the calculated F value is 112,344 with a significant level of F 0.000, using a significant level of 0.05 and an F table value of 3.115, then F arithmetic (112.344) > F table (3.115) or a significant F 0.000 shows in below 0.05. So it can be concluded that the two independent variables, namely initial capital and business location, both affect income. Partially, initial capital and business location have a significant effect. Of the two independent variables, the most dominant variable affecting MSME income is the initial capital variable, with a t-count value of 10,790 and a significant probability of 0.000. MSMEs are one of the backbones of the Indonesian economy that must be continuously created
Microeconomic Theory According to Abu Ubayd And Al-Shaibani Moh. Asep Zakariya Ansori; Yadi Janwari; Ahmad Hasan Ridwan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 3 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i3.731

Abstract

This study aims to analyze the microeconomic theory according to Abu Ubayd in his book entitled Al-Amwal and Al-Syaibâni in his book entitled Al-Kasb. The research method used is descriptive qualitative with content analysis techniques obtained from both books. Abu Ubayd in Kitab al-Amwal explains various aspects of microeconomics in the management of public finance or commonly called state assets, such as taxation, zakat, law, as well as administrative law and international law. Meanwhile, Al-Syaibâni in Al-Kasb discusses microeconomic studies that revolve around the theory of al-kasb (income) and its sources as well as guidelines for production and consumption behavior. The conclusion of this study is that the thoughts of Abu Ubayd and al-Syaibâni contributed greatly to the development of economics, especially in the sub-field of microeconomics. Further studies can be conducted to compare their views with other modern theories to identify which aspects are still relevant today
Membangun Kepercayaan Pengguna Melalui Transparansi Akad Syariah Sebagai Strategi Peningkatan Penggunaan Fintech Syariah Moh. Asep Zakariya Ansori; M. Wanri Wahyudin; Hanan Alawiah; Syahra Putri Syuardiansyah; Suhendri Suhendri
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 1 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/

Abstract

The development of Islamic fintech in Indonesia faces user trust challenges despite offering financial services based on sharia principles. This research aims to analyze the influence of sharia contract transparency on user trust and its implications for increasing Islamic fintech usage. The research method employs a literature study with a qualitative approach, analyzing trusted journal articles using keywords "Islamic fintech", "sharia transparency", "user trust", and "sharia-based digital financial innovation". The research findings indicate that sharia contract transparency plays a crucial role in building user trust by providing clear information regarding contract types, transaction mechanisms, rights and obligations, as well as sharia legal foundations. Transparency is capable of reducing risk perception and uncertainty, while simultaneously increasing public sharia financial literacy. Trust functions as a mediating variable that bridges sharia principle transparency with the increase in Islamic fintech usage. This research affirms that contract transparency is not merely a normative obligation, but also an effective business strategy for building long-term relationships with users and strengthening the competitiveness of the Islamic finance industry. Practically, the research findings can serve as a reference for Islamic fintech providers in designing more transparent and accountable operational communication, as well as providing input for regulators in strengthening Islamic fintech governance in Indonesia.
Analisis Implementasi Pembiayaan Murabahah Berdasarkan Fatwa DSN-MUI pada PT. Bank Syariah Indonesia Tbk Periode 2023-2025 Moh. Asep Zakariya Ansori; Roisyatin Roisyatin; Widya Yulia Nabila; Sintia Najwaludin; Siti Nuraeni Siva; Azi Febrian; Darma Trianggoro; Fajar Cahya Gumilar
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 3 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/eez1ts35

Abstract

This study aims to analyze the trend of sharia compliance in the implementation of murabahah financing based on the DSN-MUI Fatwa No: 04/DSN-MUI/IV/2000 and evaluate the effectiveness of the Sharia Supervisory Board (DPS) supervision at PT. Bank Syariah Indonesia Tbk (BSI) during the period 2023–2025. The methodology used is descriptive qualitative with a comparative approach through literature meta-analysis of 10 empirical studies, which are analyzed in stages at the macro (headquarters), meso (branch offices), and micro (sub-branch offices) levels. The results of the study indicate a dynamic fluctuation in compliance trends. In 2023, the implementation of murabahah in consumer products (such as KPR BSI Griya Simuda) shows very high sharia compliance and margin transparency thanks to the preventive supervision of the central DPS through standardization of legal contracts. However, significant structural challenges were identified in 2024–2025, including the practice of signing dual contracts (murabahah and wakalah simultaneously) at the branch branch level, the recognition of late fees (ta'zir) as bank income, and information asymmetry due to low public literacy. On the other hand, BSI successfully demonstrated ethical compliance in resolving problem financing through fair collateral auction procedures. This study concluded that the effectiveness of DPS supervision is significantly influenced by the disciplined integration of Sharia compliance into the bank's digital governance system.
Co-Authors Azi Febrian Darma Trianggoro Fajar Cahya Gumilar Gunawan Marwan Hanan Alawiah M. Wanri Wahyudin Moh. Zaenal Muttaqin Roisyatin Roisyatin Sintia Najwaludin Siti Nuraeni Siva Suhendri Suhendri Syahra Putri Syuardiansyah Widya Yulia Nabila Yadi Janwari