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All Journal Islamic Ecomonics Journal AKSES: Jurnal Ekonomi dan Bisnis Profetika Tasfiyah Al-Iktisab: Journal of Islamic Economic Law Adzkiya : Jurnal Hukum dan Ekonomi Syariah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Refleksi: Jurnal Filsafat dan Pemikiran Islam Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah AKM: Aksi Kepada Masyarakat Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Safari : Jurnal Pengabdian Masyarakat Indonesia Khaira Ummah: Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan el hisbah: Journal of Islamic Economic Law Al-Hukkam : Journal of Islamic Family Law Al Rikaz : Jurnal Ekonomi Syariah Jurnal Ilmu Syariah dan Hukum ADM : Jurnal Abdi Dosen dan Mahasiswa Ulumul Syar’i : Jurnal Ilmu-Ilmu Hukum dan Syariah Jurnal Studi Islam Indonesia (JSII)
Anindya Aryu Inayati
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Epistemic Values of Islamic Law in Green Financing Contracts Inayati, Anindya Aryu; Rahman, Muhammad Fazlur; Saleh, Hairus
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 12 No 2 (2024): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v12i2.9608

Abstract

TThis research aims to describe the epistemic values of Islamic Law in green financing contracts. The research design used in this research is descriptive qualitative research with a philosophical approach. Regarding the data collection, this study uses the library method with a systematic literature review analysis. The findings show that green financing contracts are business financing contracts that have special conditions, specifically a dedication to going green, conserving the environment, and safeguarding wildlife. The epistemic values of Islamic Law in green financing contracts are transcendence, maslaha, al-islah and humanist values. This study is the first to assess epistemic values in green financing, as far as the author knows. Therefore, this research might provide significant recommendations on green finance for financial institutions and its epistemological objectives
Pendampingan Kepemilikan Nomor Induk Berusaha (NIB) Bagi UMK Produk Olahan Pangan Di Kecamatan Kajen Pekalongan M. Zain, Noorma Fitriana; Inayati, Anindya Aryu; Pratama, Agung Barok
Jurnal Pengabdian kepada Masyarakat Khaira Ummah Vol. 2 No. 01 (2023): Khaira Ummah Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/khairaummah.02012023.5

Abstract

Setiap pelaku usaha memerlukan Nomor Induk Berusaha (NIB) sebagai indentitas dan legalitas pelaksanaan usaha sesuai bidang yang digeluti. NIB menjadi syarat sah dalam perizinan usaha. Namun, fakta di lapangan, masih sangat sedikit pelaku usaha di kecamatan Kajen yang memiliki NIB, termasuk Usaha Mikro Kecil (UMK) produk olahan pangan. Di sisi lain, Badan Penyelenggara Jaminan Produk Halal (BPJPH) mentargetkan sertifikasi halal untuk semua produk olahan pangan pada tahun 2024 mendatang dan membuat program sertifikasi halal gratis (Sehati) bagi Usaha Mikro dan Kecil pada tahun 2022 ini. NIB merupakan syarat wajib pembuatan sertifikasi halal tersebut. Berdasarkan permasalahan tersebut, tema pengabdian ini diangkat, yaitu pendampingan kepemilikan NIB bagi UMK di Kecamatan Kajen untuk mengoptimalkan program Sehati BPJPH. Metode pengabdian yang dilakukan adalah community based research (CBR) dengan melakukan penelitian mengenai kebutuhan masyarakat dan melaksanakan tindak pengabdian berdasarkan kebutuhan masyarakat tersebut. Hasil pengabdian ini adalah diadakannya pengabdian masyarakat terhadap 50 orang peserta dari pelaku UMK produk olahan pangan di Kecamatan Kajen, berupa sosialisasi pentingnya sertifikasi halal dan pendampingan kepemilikan NIB yang merupakan syarat wajib pengajuan sertifikasi halal.
Epistemic Values of Islamic Law in Green Financing Contracts Inayati, Anindya Aryu; Rahman, Muhammad Fazlur; Saleh, Hairus
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 12 No 2 (2024): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v12i2.9608

Abstract

TThis research aims to describe the epistemic values of Islamic Law in green financing contracts. The research design used in this research is descriptive qualitative research with a philosophical approach. Regarding the data collection, this study uses the library method with a systematic literature review analysis. The findings show that green financing contracts are business financing contracts that have special conditions, specifically a dedication to going green, conserving the environment, and safeguarding wildlife. The epistemic values of Islamic Law in green financing contracts are transcendence, maslaha, al-islah and humanist values. This study is the first to assess epistemic values in green financing, as far as the author knows. Therefore, this research might provide significant recommendations on green finance for financial institutions and its epistemological objectives
Pattern of Sharia Compliance In KSPPS In Pekalongan City (Analysis of Constraints And Solutions To The Deed of Financing) Tarmidzi, Tarmidzi; Inayati, Anindya Aryu; Mulyawisdawati, Richa Angkita; Yaqin, Alamul
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i2.1184

Abstract

This research aims to find out, how is Sharia Compliance KSPPS in Pekalongan City, and the factors causing it in Pekalongan City? The method and approach in this study is a qualitative approach. The qualitative approach is an approach method by capturing social phenomena in the community to be further described in the form of a narrative by revealing the results of the arrests as they are. The results of this research are as follows: first; Sharia compliance discusses the entire process starting from socialization, distribution or application to completion of settlement, in general it has implemented compliance in accordance with sharia principles, although some aspects have not been met. Second; There are patterns of sharia non-compliance from a number of instruments in financing at KSPPS based on three patterns of influence, a) educational perspective: DPS at KSPPS in Pekalongan City still do not have a DPS certificate, customers or members who do not understand and understand clearly related to contracts in sharia financing, managers who do not have an understanding of sharia (muamalah). b) rational perspective: conventional banking facilities and technology are more sophisticated when compared to Islamic banks, the non-applicability of reporting systems and profit sharing in accordance with Islamic principles and Islamic accounting, because they are considered too complicated and difficult for customers. c) the emotional perspective of Muslims who make choices in KSPPS for religious reasons is still small compared to rationality reasons, so they choose conventional banks.
Praktik Jual Beli Jizaf Pada Benih Padi Siap Tanam Rumuzi, Moh.; Rahmawati, Rita; Inayati, Anindya Aryu
el hisbah Journal of Islamic Economic Law Vol 2 No 1 (2022)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v2i1.707

Abstract

The sale and purchase of jizaf on ready-to-plant rice seeds, is a buying and selling practice where farmers sell ready-to-plant rice seeds by hand and tie them together. In this sale and purchase there is no clarity in size, and the measurement is only based on the grip of the hand, whereas in essence the size of each person's palm is different, some are large, some are small. In addition, the strength of the grip affects the content of the rice seeds, so there is no uniformity in the quantity of the dose in this sale and purchase. This type of research is a field research with a qualitative approach. Sources of data in the form of primary data obtained by observation and interviews with sellers and buyers, and secondary data sources obtained by documentation techniques. The data were analyzed using interactive model qualitative data analysis techniques. The results of the study concluded, the sale and purchase of ready-to-plant rice seeds in Lebo Village was in accordance with the pillars and terms of buying and selling by means of jizaf. Another factor in the permissibility of this buying and selling is that there is a great benefit in it, the benefit in terms of doing muamalah to help each other. This buying and selling practice is a habit of the local community ('urf), urf in this sale and purchase is a valid urf and does not conflict with Islamic teachings and can be used as a legal basis.
Akad Ijarah Pada Praktik Pemberian Upah Jasa Penggali Kubur Di Desa Yosorejo Kabupaten Batang Dalam Perspektif ‘Urf Mufarikha, Azka; Inayati, Anindya Aryu; Rosyid, Irkham Abdul
el hisbah Journal of Islamic Economic Law Vol 2 No 2 (2022)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v2i2.825

Abstract

Every human being cannot fulfill his needs without other people. So, Allah ordered His servants to fulfill the help. Human relations according to Islamic law are muamalah. In general, wages are the agreed total amount of replacement services determined by workers covering certain periods and conditions. This study aims to explain the practice of giving grave diggers wages in Yosorejo Village, Batang Regency in the 'Urf Perspective and to analyze the Conformity between the Ijarah Agreement and the Practice of Grave Digger Service Wages in Yosorejo Village, Batang Regency. This type of research is a socio legal research approach or empirical legal research and a conceptual approach. Primary data sources were obtained from observations and interviews by gravediggers and the community. Sources of secondary data obtained from research journals, previous research, and fiqh books related to research problems obtained by documentation techniques. Data analysis is carried out continuously. The results of this study indicate that the practice of providing wages for gravediggers in Yosorejo Village, it appears that the practice of wages is an inherent and long-standing tradition. Tradition in a society is a custom that is not easy to abolish or replace with new habits.
Kelalaian Pelaku Usaha Terhadap Produk Tanpa Label Halal dan Informasi Kedaluarsa: Analisis Hukum Ekonomi Syariah dan Undang-Undang Perlindungan Konsumen Abdussalam, Fahmi; Inayati, Anindya Aryu
el hisbah Journal of Islamic Economic Law Vol 3 No 1 (2023)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v3i1.984

Abstract

The negligence of business actors who do not include halal labels, ingredient composition, and expiration dates on their products causes risks to consumers. Whereas product safety is very necessary to protect consumer rights. The purpose of this study is to analyze business actors who do not include halal labels, composition, and expiration dates from the perspective of Islamic economic law and consumer protection laws. The research method uses empirical juridical with a qualitative, legislative, and conceptual approach. This study was conducted on tempeh chip business actors in Tegal Regency. Data collection techniques used observation, interviews, and documentation. The analysis technique used an interactive model. The results of the study show that, according to Islamic economic law, business actors who do not include halal labels, product composition, and expiration dates are prohibited because they cause harm to the community, in this case, consumers. Meanwhile, according to the Consumer Protection Law, business actors are required to fulfill consumer rights in providing correct, clear, and honest information regarding the condition and guarantee of goods and/or services, so as not to endanger consumers. The findings of this study contribute to efforts to improve the enforcement of consumer protection laws.
Flash Sale Dalam Tinjauan Maslahah Mursalah: Strategi Marketing Atau Manipulasi Harga? Inayati, Anindya Aryu; Prasetyo, Dieky Adi; Zeem, Fiqih
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 4 No. 1 (2025): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jebmak.v4i1.1028

Abstract

Shopee yang merupakan marketplace terbesar saat ini di Indonesia, dimana banyak pelaku usaha Muslim yang turut berjualan di shopee. Tapi di sisi lain, ada praktek digital marketingnya yang belum diketahui kesesuaiannya dengan prinsip hukum Islam. Oleh karena itu, penelitian ini bertujuan untuk mengkaji praktek flash sale sebagai suatu strategi dalam melakukan pemasaran di marketplace shopee melalui perspektif maslahah mursalah. Metode penelitian yang digunakan dalam penelitian ini ialah penelitian hukum empiris dengan menggunakan pendekatan kualitatif dan konseptual. Sumber data primer didapatkan dari hasil wawancara kepada seller dan konsumen program flash sale shopee, sedangkan sumber data sekunder didapatkan dari dokumen yang terkait, kemudian dianalisis dengan metode analisis deskriptif. Hasil penelitian menunjukkan bahwa praktek strategi flash sale dengan menggunakan harga terendah sebagai media promosi, tidak menyalahi aturan harga dalam Undang Undang Persaingan Usaha Tidak Sehat karena terbatas hanya di platform Shopee dan dengan jumlah yang telah ditentukan. Adapun praktek ini dapat dikategorikan sebagai maslahah tahsiniyah karena memberikan manfaat kepada kedua belah pihak, yaitu pembeli dan penjual. Praktek strategi ini juga tidak menyalahi prinsip strategi marketing Islami sehingga tetap diperbolehkan. Hakikatnya segala sesuatu dalam transaksi muamalah itu hukumnya boleh.
Digitalisasi Pemasaran dan Optimalisasi Pembayaran Menggunakan QRIS bagi UMKM di Kelurahan Kajen Pekalongan Inayati, Anindya Aryu; M. Zain, Noorma Fitriana; Darmaningrum, Khaerunnisa Tri
ADM : Jurnal Abdi Dosen dan Mahasiswa Vol. 3 No. 1 (2025): ADM : Jurnal Abdi Dosen dan Mahasiswa
Publisher : Penerbit dan Percetakan CV.Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jurnaladm.v3i1.1027

Abstract

Pemasaran digital dan penggunaan uang elektronik (e-money) di Kabupaten Pekalongan dan khususnya di Kelurahan Kajen yang merupakan representasi bagi desa-desa lainnya di kabupaten Pekalongan menarik untuk dikaji. Ditemukan bahwa proses digitalisasi masih tergolong lemah, baik dari sisi pemasaran dan pembayaran. Untuk itulah dilaksanakan program pengabdian masyarakat dengan tujuan meningkatkan perekonomian UMKM melalui edukasi dan praktek digital marketing dan optimasi pembayaran menggunakan QRIS, dimana tim PkM mendampingi UMKM dalam proses pengajuan dan pembuatan QRIS merchant (unit usaha). Metode yang digunakan adalah Community Based Parcipatory Action Research/ CBPAR. Dimana tim PkM melakukan riset dan pendataan sebelum terjun untuk melakukan edukasi dan pendampingan bagi UMKM di Kelurahan Kajen. Hasil pengabdian kepada masyarakat ini, yaitu data jumlah penggunaan QRIS sebagai media pembayaran UMKM. Data tersebut diserahkan kepada mitra Kerjasama, yaitu BSI untuk dibuatkan QRIS Merchant, QR Code khusus pelaku usaha. Selanjutnya dilakukan edukasi dengan materi pertama yaitu mengenai pemasaran digital dan praktek memasarkan produk menggunakan media digital yang dekat dengan masyarakat. Adapun materi kedua adalah literasi keuangan digital mengenai urgensi keuangan digital, manfaat dan tantangan dalam penggunaan media pembayaran digital dan langkah-langkah penting dalam melakukan pengelolaan keuangan menggunakan media keuangan digital. Outcome dari kegiatan ini adalah kode QRIS Merchant yang dapat digunakan oleh UMKM selama pelaku usaha menghendakinya.
THE IMPACT OF FINANCIAL RATIO INDICATORS ON PROFITABILITY IN SHARIA BANKS IN INDONESIA PERIOD 2019-2023 Mulyawisdawati, Richa Angkita; Khoiriyah, Lu'luatul; Inayati, Anindya Aryu; Imtihanah, Ani Nurul
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 11 No 1 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Ag
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i1.1572

Abstract

This study aims to analyze the impact of financial ratios on the profitability of Sharia banks in Indonesia during the period 2019–2023. The financial ratios used in this research include Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and Net Operating Margin (NOM). Profitability is measured by Return on Assets (ROA). The research method employed is a quantitative approach with panel data analysis using secondary data obtained from the annual financial reports of Sharia Commercial Banks published by the Financial Services Authority (OJK). The results of the partial research (t-test) indicate that the CAR, FDR and NOM variables have positive and significant effect on profitability (ROA). Meanwhile, the NPF and BOPO variables do not have a significant effect on ROA.
Co-Authors Abdussalam, Fahmi Ahmad Fauzan Alfianalia, Alfianalia Ananda, Arini Shauba Anggi Herawati Putri Azizah Nur Azka Mufarikha Dahrul Muftadin Darmaningrum, Khaerunnisa Tri Dede Khomsatun Eko Nur Cahyo Ellora Rizqa Nufa Fahmi Abdussalam Fikri Amalia Rosyada Hayu Naila Nadzifa Imtihanah, Ani Nurul Indah Purwanti Irkham Abdul Rosyid Jumailah Khoiriyah, Lu'luatul Mufarikha, Azka Muhammad Ladzidzur Rizqi Muhammad Rumuzi Nafilatuz Zahra Noorma Fitriana M. Zain Noorma Fitriana M. Zain, Noorma Fitriana Novita Nurus Sa'adah Nur Afifah Nur Malisa Nurul Hikmah Sofyan Prasetyo, Dieky Adi Pratama, Agung Barok Rahman, Muhammad Fazlur Richa Angkita Mulyawisdawati Richa Angkita Mulyawisdawati, Richa Angkita Risqiani, Rifatul Rita Rahmawati Rita Rahmawati Rizqi Mursalina Rosyid, Irkham Abdul Rumuzi, Moh. Saleh, Hairus Yaqin, Alamul Zeem, Fiqih