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Peran Bank Wakaf Mikro Syariah Di Pesantren Mawaridussalam Dalam Pemberdayaan Ekonomi Masyarakat Isnaini Harahap; M Mailin; Salisa Amini
TANSIQ: Jurnal Manajemen Dan Bisnis Islam TANSIQ | Vol. 2 | No. 2 | 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara Medan

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Abstract

Poverty is no longer a new thing and has always been a complex problem for Indonesian people. Besides poverty there is also an economic inequality that usually occurs in rural areas. The community actually needs economic affairs as a solution to say the economy. Pesantren is an institution that educates not only the students but also the surrounding community. The presence of pesantren in the middle of the community, especially rural in addition to giving influences in the religious surroundings, also began to revive its economy. Limited business capital is sometimes a matter of people who want to start business. The government also started to look at the Pesantren for the program to empower the economy of people who have the majority of rural poor to be established by the Bank. The government aims to establish the Bank Wakaf Micro Sharia in Pesantren so that the pesantren has a role to the community so that it has strong attachment as well as a container empowering its community economy. But all is not that easy, there is still a challenge when the empowerment process will or is being executed. For that need to be careful with the aim to know the role of Pesantren Mawaridussalam through the business unit of the Bank WAKAF Micro Sharia towards community empowerment, to know the challenge of pesantren Mawaridussalam in community empowerment through The business unit micro Sharia Bank. The research methods used are observation, interviews, with a qualitative descriptive approach. The results of the study showed that pesantren through Bank Wakaf Micro Sharia has a role in empowering the community by providing business capital loans, escape from the trap of moneylenders and the flower or RIBA system and to add the religious sciences already Clearly give people welfare.
Homo Islamicus as an agent of socio-economic change: A study in the perspective of Surah An-Nisa Amini, Salisa; Tarigan, Azhari Akmal; Syahriza, Rahmi; Ismail, Ismail
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art13

Abstract

IntroductionThere are several challenges faced by Homo Islamicus when dealing with the conventional economic principles that often dominate economic practice today.ObjectivesThis research aims to explore the role of Homo Islamicus in creating social and economic welfare and how Islamic values can be integrated into everyday economic practices. This research focuses on the concept of Homo Islamicus as an agent of social and economic change in the context of modern society, with an emphasis on the perspective of Surah An-Nisa. MethodThe method used in this research is a qualitative analysis of the Qur'anic texts, especially Surah An-Nisa, and a literature study on the application of Islamic economic principles in a modern context. The scope of the research includes an analysis of the differences between Homo Islamicus and Homo Economicus, where Homo Islamicus is not only oriented towards material gain but also considers moral and social responsibility.ResultsThe results show that although there are challenges in applying the concept of Homo Islamicus, such as the gap between ideality and reality, this concept remains relevant as an ethical framework for building a more just and prosperous society. Homo Islamicus plays an essential role in maintaining justice in economic transactions and contributing to the welfare of society through the practice of zakat, infaq, and sadaqah.ImplicationsThe conclusion of this research confirms that sustainable social and economic welfare should be achieved. An adaptive and educative approach is needed in applying the principles of Homo Islamicus. This research recommends strengthening Islamic economic education, emphasizing social responsibility and ethics in every economic interaction.Originality/Novelty This study contributes to the body of knowledge on Homo Islamicus in the Quranic perspective as a basis for the philosophy of Islamic economics.
Konsep kredit dalam bingkai pemikiran Zaid bin Ali serta relevansinya di era kontemporer Ismail, Ismail; Amini, Salisa; Misrah, Misrah
AL-Muqayyad Vol. 7 No. 2 (2024): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v7i2.2288

Abstract

Humans continuously engage in various activities, encompassing both divine obligations (hablumminallah) and social interactions (hablumminannas). Islam provides clear guidance on permissible credit transaction schemes and prohibits those that lead to riba. This study employs a descriptive qualitative approach, analyzing the thoughts of Zaid bin Ali through a review of journal articles published on Google Scholar. The research aims to explore Zaid bin Ali's perspective on the concept of credit in Islamic economics and to analyze its relevance to contemporary Islamic financing practices. The findings reveal that, according to Zaid bin Ali, credit transactions with higher prices than cash payments are permissible, provided they are based on mutual agreement and consent between the parties involved. This perspective aligns with the practices of Islamic financial institutions, as regulated by DSN MUI Fatwa No. 04/DSN-MUI/2000.
SEM ANALYSIS OF THE INFLUENCE OF CONVENIENCE, PRODUCT QUALITY, PRICE AND PROMOTION ON PURCHASE DECISIONS AT SHOPEE BERKAH Amini, Salisa; Muda, Iskandar; Soemitra, Andri; Yusrizal; Ismail
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i2.17544

Abstract

This research is motivated by the rapid development of e-commerce in Indonesia, especially the Shopee platform, which is one of the largest marketplaces in Southeast Asia. In a rapidly evolving digital ecosystem, it's important to identify the factors that influence consumer purchasing decisions. The purpose of this study is to analyze the influence of convenience, product quality, price, and promotion on purchase decisions at Shopee Berkah using the Structural Equation Modeling (SEM) approach. The research method used was quantitative with purposive sampling technique, involving 100 UINSU student respondents who had shopped at Shopee Berkah. Data collection was carried out through the distribution of online questionnaires, and data analysis using Partial Least Squares (PLS) with the help of SmartPLS software. The results showed that the price and quality of the product had a positive and significant effect on the purchase decision, with t-statistical values of 13.005 and 3.151 respectively (p-value < 0.05). Meanwhile, the convenience and promotion variables did not show a significant influence with p-values of 0.306 and 0.937, respectively. The research model was able to explain 84.8% of the variation in consumer purchasing decisions. In conclusion, in the context of Shopee Berkah, price and product quality are the main factors that affect consumer purchase decisions, while ease of use and promotional strategies have not shown a significant influence.
Larangan Al-Israf dan Dzulm dalam Praktik Ekonomi Islam Ismail; Kamaruddin; Amini, Salisa
Journal of Global Islamic Economic Studies Vol. 1 No. 1 (2023): Journal of Global Islamic Economic Studies
Publisher : Penerbit Merdeka Kreasi

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Abstract

Sebagai agama yang mempunyai slogan Rahmatan lil alamin, Islam selalu mengatur semua tatanan kehidupan yang bersifat universal, integral serta komprehensif dalam kehidupan ummat manusia. Sebagai pedoman bagi ummat, Islam selalu mengatur segala sesuatu didalam bidang apapun, dari segi yang sederhana hingga ke segi yang sangat sulit sekalipun. Di dalam bidang aspek ekonomi, politik, pendidikan, budaya, seni dan sebagainya. Islam adalah agama yang sempurna, bahkan didalam bidang ekonomi semua sudah diatur. Sifat Israf dan dzulm merupakan perbuatan yang sangat tercela dan selalu bersanding karena keduanya merupakan penyakit rohani yang menimpa ummat manusia yang tidak memiliki rasa syukur dalam menjalani kehidupan. Penelitian ini bertujuan mengeksplor konsep Al-Israf dalam al-Quran, dalam literarur Fiqh Muamalah dan Untuk mengetahui Implikasi al-Israf dalam perspektif Ekonomi Islam. Penelitian ini merupakan penelitian kualitatif dengan pendekatan tafsir tematik.
Praktik dan Pemikiran Wakaf di Indonesia: Komparasi Pemikiran Mustafa Edwin Nasution dan Hendri Tanjung Ismail; Husna, Asmaul; Amini, Salisa
Journal of Global Islamic Economic Studies Vol. 1 No. 1 (2023): Journal of Global Islamic Economic Studies
Publisher : Penerbit Merdeka Kreasi

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Abstract

Indonesia memiliki potensi wakaf yang besar baik dari segi jumlah maupun dari luas. Potensi tersebut tersebesar di seluruh provinsi di Indonesia dalam jumlah dan luas yang berbeda. Sementara ini, wakaf didistribusikan untuk kepentingan masjid, musholla, sekolah, sosial lainnya, makam, pesantren. Untuk mengoptimalkan potensi tersebut maka diperlukan pemikiran yang kreatif dan inovatif. Tulisan ini mencoba untuk melakukan penelitian terhadap komparasi pemikiran tokoh pemikir wakaf di Indonesia yaitu Mustafa Edwin Nasution dan Hendri Tanjung. Dalam melakukan penelitian terhadap tiga tokoh tersebut maka dilakukan pendekatan kualitatif deskriptif yang didukung oleh sumber skunder yang didapatkan dari berbagai sumber. Hasil penelitian menunjukkan bahwa ketiga tokoh di atas menyetujui bahwa wakaf salah satu instrument penting dalam bidang ekonomi, dan wakaf harus dikembangkan dalam bentuk produktif serta pengembangan wakaf ke depan dilakukan dengan pengumpulan model wakaf tunai.