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KEPUTUSAN NASABAH DALAM MEMILIH PEMBIAYAAN ATAU GADAI SYARIAH Abdul Wahab
Wahana Islamika: Jurnal Studi Keislaman Vol 5 No 1 (2019): Wahana Islamika : Jurnal Studi Keislaman
Publisher : SEKOLAH TINGGI AGAMA ISLAM AL-HUSAIN MAGELANG

When a customer needs funds and has collateral, the customer can use his collateral to carry out sharia financing or mortgage. Will customers choose sharia financing or mortgage. This causes mutually exclusive, that is if the customer chooses financing, then it does not choose sharia mortgage and vice versa. However, customers will certainly choose one of the alternatives. Therefore the purpose of this study is to find out the factors that distinguish customers in choosing financing or Islamic mortgage. The factors that are considered by customers in choosing financing or sharia pawning studied include: requirements, product variations, costs and expenses, collateral, loan value, services and location. This research is a field research with a sample of 100 people, the technique used is nonprobability sampling, namely purposive sampling, sampling techniques with certain criteria, namely customers who have made sharia financing or mortgage in the Yogyakarta region. As for the data analysis method, the compiler uses descriptive statistical methods and Correspondence Analysis. The results of this study indicate that the factor that distinguishes clients in choosing Islamic finance is the distance factor, namely the location of close Islamic finance services. While the factors that distinguish customers in choosing sharia mortgage are easy requirements

Pemberdayaan Ekonomi Berbasis Syariah Pada Muallaf Dayak Meratus Di Dusun Papagaran Rozzana Erziaty; Agus Purnomo; Umi Hani; Abdul Wahab
Dinamisia : Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 3 (2021): Dinamisia: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Lancang Kuning

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/dinamisia.v5i3.4308

Papagaran is located in Patikalain Village Hantakan Sub-District Hulu Sungai Tengah Regency, which is located in the mountains of Meratus, the majority religion at animism. People who are new to Islam are called Muallaf, thay ara still need help in adapting to their new conditions, whether material, knowledge or social assistance that will protect and strengthen their hearts to embrace for Islam. The purpose of the Community Empowerment Program (PPM) is to strengthen understanding of Islam in the economic field in accordance with regional potential, that are to provide assistance in the management of production, marketing and financial of agricultural products based on sharia. The method used by Rural Apracial Participatory. The population is the perpetrators of Dayak meratus farming of 27 people. The activity was carried out in December 2019. The cognitive assessment results of the PPM pretest participants were 96.3% less 3.7% and 0% good category. The posttest was less than 0%, the category was 55.6% and the good category was 44.4%. The result of the t-test was accepted Hi, namely an increase in the knowledge and skills of participants in the community empowerment training.

Implementasi Maqashid Syariah dalam Operasional Audit Syariah pada Lembaga Keuangan Syariah Abdul Wahab
Jurnal Hukum Ekonomi Syariah Vol 6, No 01 (2022): JURNAL HUKUM EKONOMI SYARIAH (JUNI 2022)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v6i01.6137

AbstractAs sharia financial institutions continue to increase in Indonesia and public awareness of the sharia economy will naturally become an opportunity also in the development of shari'ah audits and become one of the ways to maintain and ensure the integrity of sharia financial institutions in carrying out sharia principles. Maqashid Syariah occupies a very important position in the implementation of sharia audit activities. The purpose of writing this scientific paper is to analyze several important concepts, namely the sharia audit framework, sharia maqashid an initial theory, sharia auditing on sharia financial institutions reviewing its philosophy, and implementation of shariah maqashid on shariah auditing. Maqashid Shari'ah is very relevant to be used as a basis for developing systems, practices, and even sharia audit systems in this multidimensional era, in responding to dynamic contemporary problems, because they are based on the benefit and welfare of the community. The study is conducted with a literature study referring to previous studies and ending with a critical analysis. The results showed that the implementation of maqashid shari'ah in the operation of the Shariah audit of sharia financial institutions provided to customers can provide benefits, namely maintained religion, soul, mind, wealth, and offspring.AbstrakSeiring dengan semakin meningkatnya lembaga keuangan syariah di Indonesia dan dimulainya kesadaran masyarakat terhadap ekonomi syariah, tentunya juga menjadi peluang bagi berkembangnya audit syariah dan merupakan salah satu cara untuk menjaga dan memastikan integritas lembaga keuangan syariah dalam menerapkan prinsip syariah. Maqashid syariah menempati posisi yang sangat penting dalam pelaksanaan kegiatan audit syariah. Tujuan penulisan karya ilmiah ini adalah untuk menganalisis beberapa konsep penting, yaitu kerangka audit syariah, maqashid syariah teori awal, audit syariah pada lembaga keuangan syariah tinjauan filosofis, dan implementasi maqashid syariah dalam audit syariah. Maqashid syariah sangat relevan untuk dijadikan dasar pengembangan sistem, praktik, bahkan sistem audit syariah di era multidimensi ini, dalam menjawab persoalan kontemporer yang dinamis, karena berlandaskan kemaslahatan dan kesejahteraan masyarakat. Penelitian dilakukan dengan studi pustaka yang mengacu pada penelitian-penelitian sebelumnya dan diakhiri dengan analisis kritis. Hasil penelitian menunjukkan bahwa penerapan maqashid syariah dalam operasi audit syariah pada lembaga keuangan syariah yang diberikan kepada nasabah dapat memberikan manfaat yaitu menjaga agama, jiwa, akal, harta, dan keturunannya.

Pengembangan Ekonomi Kreatif pada Pengrajin Kain Sasirangan dalam Perspektif Ekonomi Syariah (Studi Kasus Toko Luthfiah Sasirangan) Muhammad Effendi; S. Purnamasari; Kurniaty; Purnama Rozak; Abdul Wahab
Formosa Journal of Science and Technology Vol. 1 No. 6 (2022): October 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v1i6.1367

Adanya hambatan untuk menembus pasar nasional mengakibatkan masyarakat kurang mengenal produk kain sasirangan dan dengan ketatnya persaingan bisnis saat ini membuat pelaku bisnis hanya berfokus pada target pasar dan melupakan etika bisnis islam pada aktivitas pemasaran. Tujuan penelitian ini adalah untuk mengetahui bagaimana pengembangan ekonomi kreatif di toko Luthfiah sasirangan dan untuk mengetahui bagaimana pemasaran di toko Luthfiah sasirangan dengan perspektif islam. Metode penelitian yang digunakan yaitu kualitatif. Berdasarkan hasil penelitian dan pembahasan, maka kesimpulan yang dapat diambil adalah Pengembangan ekonomi kreatif di Toko Luthfiah Sasirangan yang diterapkan adalah melakukan promosi melalui media sosial, yakni Whatsapp dan Instagram, Menerapkan pembagian harga produk menjadi 4 bagian, yaitu harga terendah, menengah, menengah ke atas dan tinggi, serta menerapkan kesempatan konsultasi kepada calon konsumen sebelum membeli produk Sasirangan. Pemasaran produk kain Sasirangan yang diterapkan di Toko Luthfiah Sasirangan telah memenuhi Pemasaran dalam islam dan Prinsip bisnis Islam.

PENGARUH TINGKAT PEMAHAMAN DOSEN UNISKA MAB TERHADAP PERENCANAAN KEUANGAN KELUARGA ISLAMI Iman Setya Budi; Abdul Wahab; Zakiyah
Wahana Islamika: Jurnal Studi Keislaman Vol. 7 No. 1 (2021): Wahana Islamika: Jurnal Studi Keislaman
Publisher : STAI Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/2efxx364

In Islam, there is no prohibition for humans to fulfil their needs or desires, as long as these fulfillments can be maintained and their dignity is enhanced. Fulfilment of needs or desires is allowed if it adds maslahah or does not bring harm. Indonesian people are classified as more consumptive when compared to other Southeast Asian countries. The habit of Indonesian people are more likely to use money to meet unimportant needs by behaving consumptively. So people must change their perspective that what must be managed in the family is a financial problem. Because finance is very important in domestic life. To support the welfare of everyone in a family, knowledge of financial planning and management is known, which is called wealth management. So that family financial planning can be effective, efficient, and full of blessings. Therefore, the purpose of this study is to determine the level of understanding of UNISKA MAB lecturers on Islamic family financial planning affects. This research is field research (field research) with a total sample of 57 people, the technique used is nonprobability sampling, namely purposive sampling, sampling techniques with certain criteria, namely permanent lecturers of UNISKA MAB. As for the data analysis method, the compilers used descriptive statistical methods and Simple Linear Regression Analysis. The results showed that the t-test results for the level of understanding variable showed the t value of 5,053 with sig. t is 0.000 (p <0.05), which means that it has a significant influence on the level of understanding of Islamic family financial planning. So, it can be said that the permanent lecturers of UNISKA MAB already understand Islamic family planning.

KEPUTUSAN NASABAH DALAM MEMILIH PEMBIAYAAN ATAU GADAI SYARIAH Abdul Wahab
Wahana Islamika: Jurnal Studi Keislaman Vol. 5 No. 1 (2019): Wahana Islamika: Jurnal Studi Keislaman
Publisher : STAI Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/5y1r4511

When a customer needs funds and has collateral, the customer can use his collateral to carry out sharia financing or mortgage. Will customers choose sharia financing or mortgage. This causes mutually exclusive, that is if the customer chooses financing, then it does not choose sharia mortgage and vice versa. However, customers will certainly choose one of the alternatives. Therefore the purpose of this study is to find out the factors that distinguish customers in choosing financing or Islamic mortgage. The factors that are considered by customers in choosing a financing or sharia pawning studied include requirements, product variations, costs and expenses, collateral, loan value, services and location. This research is a field research with a sample of 100 people, the technique used is nonprobability sampling, namely purposive sampling, sampling techniques with certain criteria, namely customers who have made sharia financing or mortgage in the Yogyakarta region. As for the data analysis method, the compiler uses descriptive statistical methods and Correspondence Analysis. The results of this study indicate that the factor that distinguishes clients in choosing Islamic finance is the distance factor, namely the location of close Islamic finance services. The factors that distinguish customers in choosing a sharia mortgage are easy requirements.

Analisis Halal Value Chain Pada Pengembangan Produk Wisata Halal Makam Habib Basirih Di Kota Banjarmasin Zakiyah Zakiyah; Iman Setya Budi; Parman Komarudin; Abdul Wahab
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 9 No 1 (2023): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Agu
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.v9i1.911

Halal value chain merupakan sebuah ekosistem atau rantai pasok halal yang mencakup beberapa sektor industri dari industri hulu sampai hilir. Halal value chain ini merupakan sektor ekonomi syariah yang memainkan peranan penting dalam kemajuan ekonomi di Indonesia. Akan tetapi, bagi Indonesia, halal adalah potensi ekonomi yang belum dimanfaatkan secara maksimal. Tujuan yang diharapkan dari penelitian ini adalah menganalisis halal value chain pada pengembangan produk wisata halal Makam Habib Basirih Di Kota Banjarmasin. Penelitian ini merupakan penelitian lapangan (field research) dengan pendekatan kualitatif. Penelitian ini menggunakan dua jenis sumber data yakni data primer dan data sekunder. Teknik pengumpulan data dilakukan dengan observasi, wawancara 1 orang dan dokumentasi. Teknik analisis dilakukan melalui model Miles dan Huberman yakni reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukan bahwa halal value chain pada pengembangan produk wisata halal makam Habib Basirih di kota Banjarmasin mesih perlu pembenahan khususnya pada aspek akomodasi dan kuliner yang belum memiliki sertifikat halal.

ANALISIS PENGARUH BAURAN PEMASARAN SYARIAH TERHADAP KEPUTUSAN MAHASISWA MEMILIH PRODI EKONOMI SYARIAH UNISKA MAB BANJARMASIN Iman Setya Budi; Abdul Wahab; Zakiyah
Wahana Islamika: Jurnal Studi Keislaman Vol. 9 No. 2 (2023): Wahana Islamika: Jurnal Studi Keislaman
Publisher : STAI Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/nxgpep54

Increasingly intense competition in the current era of globalization indirectly results in organizations always trying to maintain their existence in society. Rapid and dramatic environmental developments and changes, including changes in consumer tastes, technological advances, and socio-economic changes, have affected the higher education sector, resulting in intense business competition in the higher education industry. Efforts to increase competitive advantage can be made by implementing a Sharia marketing mix strategy. This study aims to examine and determine the effect of the Sharia marketing mix on students' decisions to choose the Islamic Economics study program either partially or simultaneously. This research includes field research by exploring data from research locations, namely students of the Islamic Economics Study Program at UNISKA MAB Banjarmasin. Data collection was carried out using a questionnaire with a measurement scale, a Likert scale, and documentation. Determination of the sample using probability sampling technique, namely using simple random sampling with a total sample of 83 respondents and research data analysis using multiple linear regression analysis. The results of the study show that: 1) Partially, the variables Product, Promotion, Place, People, and Physical Evidence have a significant effect on the Student's Decision to Choose an Islamic Economics Study Program. While the Price and Process variables have no significant effect in this study. 2) Simultaneously, there is a significant influence of the Sharia marketing mix on the Student's Decision to Choose the Islamic Economics Study Program with a score of 81.020 with sig. F = 0.000 (p < 0.05).

PENDAMPINGAN PEDAGANG DI KECAMATAN AMUNTAI TENGAH KABUPATEN HULU SUNGAI UTARA TENTANG PENETAPAN HARGA DALAM PERSPEKTIF ISLAM Rahmatul Huda; Parman Komarudin; Abdul Wahab
JURNAL PENGABDIAN AL-IKHLAS UNIVERSITAS ISLAM KALIMANTAN MUHAMMAD ARSYAD AL BANJARY Vol 9, No 2 (2023): AL-IKHLAS JURNAL PENGABDIAN
Publisher : Universitas Islam kalimantan MAB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/jpaiuniska.v9i2.12294

Harga merupakan komponen yang berpengaruh langsung terhadap laba usaha. Sehingga penetapan harga akan berpengaruh pada pendapatan total dan biaya total, maka keputusan dan strategi penetapan harga memegang peranan penting dalam setiap usaha atau bisnis. Kesalahan dalam penentuan harga dapat menimbulkan berbagai konsekuensi. Hal ini juga dialami oleh para pedagang di Kecamatan Amuntai Tengah. Daerah ini berada di Kabupaten Hulu Sungai Utara, Kalimantan Selatan. Mayoritas penduduk di Kabupaten Hulu Sungai Utara bekerja di sektor jasa, salah satunya sektor perdagangan. Berdasarkan data Badan Pusat Statistik (BPS) Kabupaten Hulu Sungai Utara, masih didominasi oleh penduduk yang bekerja pada kelompok sektor jasa-jasa sebesar 54,77%. Berbagai perkembangan dan tantangan dihadapi oleh para pihak yang berkecimpung di bidang ini. Kendala tersebut diantaranya adalah terjadinya persaingan usaha yang tidak sehat karena perang harga yang dilakukan para pedagang, hal ini juga disebabkan minimnya pengetahuan masyarakat tentang penetapan harga yang sesuai dengan ketentuan Islam. Berdasarkan kondisi tersebut, maka upaya pendampingan menjadi sangat penting untuk dilaksanakan. Berdasarkan kondisi tersebut, maka upaya sosialisasi kepada masyarakat menjadi sangat penting untuk dilaksanakan. Adapun metode pelaksanaan kegiatan dilakukan dalam beberapa bagian, yaitu penyajian materi, tanya-jawab, dan evaluasi kegiatan berupa pre-test dan post-test yang digunakan sebagai alat untuk mengukur tingkat pemahaman peserta kegiatan. Target luaran yang ingin dicapai adalah publikasi ilmiah dalam Jurnal Pengabdian Kepada Masyarakat.

PENDAMPINGAN PEDAGANG DI KECAMATAN AMUNTAI TENGAH KABUPATEN HULU SUNGAI UTARA TENTANG PENETAPAN HARGA DALAM PERSPEKTIF ISLAM Rahmatul Huda; Parman Komarudin; Abdul Wahab
JURNAL PENGABDIAN AL-IKHLAS UNIVERSITAS ISLAM KALIMANTAN MUHAMMAD ARSYAD AL BANJARY Vol 9, No 2 (2023): AL-IKHLAS JURNAL PENGABDIAN
Publisher : Universitas Islam kalimantan MAB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/jpaiuniska.v9i2.12294

Harga merupakan komponen yang berpengaruh langsung terhadap laba usaha. Sehingga penetapan harga akan berpengaruh pada pendapatan total dan biaya total, maka keputusan dan strategi penetapan harga memegang peranan penting dalam setiap usaha atau bisnis. Kesalahan dalam penentuan harga dapat menimbulkan berbagai konsekuensi. Hal ini juga dialami oleh para pedagang di Kecamatan Amuntai Tengah. Daerah ini berada di Kabupaten Hulu Sungai Utara, Kalimantan Selatan. Mayoritas penduduk di Kabupaten Hulu Sungai Utara bekerja di sektor jasa, salah satunya sektor perdagangan. Berdasarkan data Badan Pusat Statistik (BPS) Kabupaten Hulu Sungai Utara, masih didominasi oleh penduduk yang bekerja pada kelompok sektor jasa-jasa sebesar 54,77%. Berbagai perkembangan dan tantangan dihadapi oleh para pihak yang berkecimpung di bidang ini. Kendala tersebut diantaranya adalah terjadinya persaingan usaha yang tidak sehat karena perang harga yang dilakukan para pedagang, hal ini juga disebabkan minimnya pengetahuan masyarakat tentang penetapan harga yang sesuai dengan ketentuan Islam. Berdasarkan kondisi tersebut, maka upaya pendampingan menjadi sangat penting untuk dilaksanakan. Berdasarkan kondisi tersebut, maka upaya sosialisasi kepada masyarakat menjadi sangat penting untuk dilaksanakan. Adapun metode pelaksanaan kegiatan dilakukan dalam beberapa bagian, yaitu penyajian materi, tanya-jawab, dan evaluasi kegiatan berupa pre-test dan post-test yang digunakan sebagai alat untuk mengukur tingkat pemahaman peserta kegiatan. Target luaran yang ingin dicapai adalah publikasi ilmiah dalam Jurnal Pengabdian Kepada Masyarakat.

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