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All Journal al-Afkar, Journal For Islamic Studies IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: Religion Education Social Laa Roiba Journal Teumulong: Journal of Community Service
Sanurdi
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences

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Mengelola Bisnis Syariah bagi Enterpreneur Muslim Zakiah; Muslihun; Sanurdi
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 7 (2024): RESLAJ: Religion Education Social Laa Roiba Journal 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i7.3700

Abstract

Sharia-based business is a business activity from processing to selling products in order to gain profits based on sharia. The aim of this paper is to briefly understand the concept of managing sharia business for Muslim Entrepreneurs. The method used is a literature study where researchers collect data through documentation and literature. Researchers' data analysis techniques rely on books, journals and articles as part of data analysis or interpretation by collecting notes on research findings which are presented in a systematic manner after first carrying out data reduction or data selection. The results obtained show that Muslim entrepreneurs should have good behavior, such as acting friendly towards consumers. Behaving well by implementing polite and courteous behavior will make consumers comfortable and happy. Trust is also a behavior that Muslim entrepreneurs must have in doing business. Rasulluah Saw is an example of an honest businessman because of his trustworthy nature. The concept of Islamic business management contains elements and principles that must be implemented in organizing, the elements are; Planning, Organization, Coordination, Controlling, and Leading. At the level of sharia-based business management practices, a Muslim entrepreneur should have the abilities, namely; First, producing business products must be halal; Second, the Al-Quran and Hadith as the basis for business management; Third, don't make false promises and overpromise in business; Fourth, have business intentions and contracts adhering to Islamic sharia principles.
Progressiveness of Sharia Insurance as A Component of The Islamic Non-Bank Financial Industry in Indonesia Sanurdi; Rafiqah; Ait Si Ali, Hicham; Fakhrurrazi
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 16 No 1 (2024): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v16i1.7427

Abstract

The condition of sharia insurance in Indonesia shows limited development; it ranked fourth and only rose one rank from 2019 as the country with the highest number of operators in the world. The market share of sharia insurance, when compared to conventional insurance, reached 6% at the end of 2020. This study aims to analyze the development of sharia insurance in Indonesia through statistical data analysis of sharia insurance financial performance during the 2018–2022 period. This article is classified as literature research with a qualitative approach. The methodology used is a content analysis study. The results found that sharia insurance in Indonesia experienced asset growth of 3.53%, total gross contribution year-on-year of 16.38%, and continued to record investment results in the 2018–2022 range. The growth was dominated by the capital market sector and the banking sector, which experienced an increase.
THE INFLUENCE OF FINANCIAL LITERACY AND INCOME ON FAMILY WELFARE IN RATO VILLAGE, BOLO DISTRICT, BIMA REGENCY THROUGH FINANCIAL BEHAVIOR AS A VARIABLE INTERVENING Afniatun, Nur; Sanurdi; Saadatirrohmi, Siti Ahdina
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

This study aims to examine the effect of financial literacy, income on financial well-being, bothdirectly and through financial behavior. The population of this study were all heads of familiesin Rato Village, Bolo District, Bima Regency. The sample of this research is 95 heads of familiesusing the Slovin formula with purposive random sampling technique. This study uses aquantitative approach. Data collection techniques in this study using a questionnaire. The dataanalysis technique uses descriptive analysis and path analysis with the SMARTPLS 4.0 program.The results showed that financial literacy and income had a positive and significant effect onfinancial behavior, financial literacy and income had a positive and significant effect on financialwell-being. Financial behavior had a positive and significant effect on financial well-being. Theresults of the mediating effect show that financial literacy and income have a positive andsignificant effect on financial well-being through financial behavior as intervening variables.
Analisis Implementasi Akad Musyarakah Mutanaqisah pada Pembiayaan ASN di Bank NTB Syariah Cabang Sriwijaya Kasry A. Rahman; Muslihun; Sanurdi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (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.v6i9.5041

Abstract

Musyarakah Mutanaqishah is a form of cooperation between two or more parties for the ownership of an item or asset. Where this cooperation will reduce the ownership rights of one party while the other party increases its ownership rights, this transfer of ownership is through a payment mechanism for other ownership rights. This research aims to explain the implementation of the Musyarakah Mutanaqisah contract in ASN financing at Bank NTB Syariah Sriwijaya Branch and the obstacles in implementing the contract. The method used is descriptive qualitative by observing, evaluating, analyzing and describing the phenomena that occur in implementing the Musyarakah Mutanaqisah contract on ASN financing at Bank NTB Syariah Sriwijaya Branch. The results of the study state that the implementation of the Musyarakah Mutanaqisah (MMQ) contract for ASN consumer financing at Bank NTB Syariah Sriwijaya Branch has been carried out by the DSN-MUI fatwa as stated in the SOP for financing implementation. The obstacles faced by Bank NTB Syariah in the implementation of ASN financing with the MMQ contract include, among others, the lack of understanding of customers regarding the regulations and mechanisms for implementing financing with the Musyarakah Mutanqisah (MMQ) contract; some customers cannot provide proof of asset ownership on behalf of the customer or their spouse, some customers apply for financing without bringing their spouse for various reasons, and some customers are unable to provide funds for administrative and insurance costs required before the financing disbursement process can be carried out.
Women in Strengthening the Economy and Welfare of the Ummah in Maccini Sombala District, Makassar Ismawati; Rosman, Romzie; Sulistyowati; Oktaviana, Ulfi Kartika; Hanifah, Nani; Sanurdi; Muhajir
Teumulong: Journal of Community Service Vol. 2 No. 5 (2024): December
Publisher : Institute of Education and Social Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62568/jocs.v2i5.22

Abstract

This research aims to educate women in Maccini Sombala Village about the role of women who are able to play a role in strengthening the economy and welfare of the community, as well as how to improve the economy according to sharia. This research is a type of qualitative and quantitative research (mix-methods). This research is a form of grounded research using the Participation Action Research (PAR) technique. Meanwhile, the quantitative method used in this research is the experimental method and data processing using the paired sample t test. The results of the research show that it plays a role in changing the views of women in Maccini Sombala District to take a broader view of the role of women, removing the limitations created by society regarding women's freedom of rights, as well as providing education regarding Islamic views and sharia financial management. There was also an increase in women's understanding in Maccini Sombala Village after the socialization activities were held.
Performance Analysis of Islamic Commercial Banks (Comparative Study of Indonesian Islamic Banks and Bank Muamalat Indonesia) Period 2021-2022 Abdullah; Adi Fadli; Sanurdi
al-Afkar, Journal For Islamic Studies Vol. 8 No. 2 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i2.1440

Abstract

In Indonesia, the development of sharia banking has experienced significant progress.. So in such conditions, Sharia commercial banks must be in a healthy condition and full of loyalty in accordance with their name, namely Sharia-based. This research is limited to analyzing the performance of Bank Syariah Indonesia and Bank Muamalat Indonesia specifically, for the 2021-2022 period. This research is qualitative research with a descriptive approach that uses secondary data, annual financial reports for the 2021-2022 period at Bank Syariah Indonesia and Bank Muamalat Indonesia through statistical data analysis in the form of numbers (quantitative). Meanwhile, financial performance measurement uses the RGEC method based on Financial Services Authority Regulation (POJK) No. 10/SEOJK.03/2014. Sharia performance measurement uses the Islamicity Performance Index (IPI) method. The results of this research based on quarterly financial performance measurements for the 2021-2022 period show that the ratio performance at Bank Syariah Indonesia consists of NPF 2.87%, FDR 76.62%, ROA 1.84%, NOM 2.02% and CAR 22.30%, while Bank Muamalat Indonesia showed an NPF ratio of 2.97%, FDR 49.45%, ROA 0.06%, NOM 0.13%, and CAR 18.97%, so it can be concluded that the performance of both banks is in the good category, However, Bank Syariah Indonesia has better performance than Bak Muamalat and there is no significant difference between Bank Syariah Indonesia and Bank Muamalat Indonesia in the NPF ratio.
Pengaruh Konservatisme Akuntansi Terhadap Relevansi Nilai Laporan Keuangan dengan Kualitas Laba Sebagai Variabel Moderasi Amalia Zolehah; Riduan Mas'ud; Sanurdi
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 7 (2024): RESLAJ: Religion Education Social Laa Roiba Journal 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i7.3704

Abstract

The aims of this study to examine the effect of conservatism on the value relevance of financial statements, and the ability of earnings quality as a moderating variabel to interact the relationship between conservatism and value relevance of financial statements. The principle of conservatism is prudance in financial reporting. Where the company does not immediately recognize and measure assets and profits as gains, and expenses and liabilities as losses.The population in this study are manufacturing companies listed on the Indonesia Stock Exchange dor the 2020-2022 period. The sample are choises using the purposive sampling method and the research sample obtanied 62 companies. Hypothesis testing is done by using muliple linear regression method. The results show that the aplication of accounting conservatism had a positive effect on the value relevance. Meanwhile, the moderating variable earnings quality is not able to interact the conservatism realtionship to the value relevance of the financial statements. Future research is expected to be able to use the latest calculation models and other measurements, so that research results can show the latest application and impact of accounting conservatism on the value releance of financial statements with earnings quality as a moderating variabel.
Co-Authors Abdullah Adi Fadli Afniatun, Nur Ait Si Ali, Hicham Amalia Zolehah Fakhrurrazi Ismawati Kasry A. Rahman MUHAJIR Muslihun NANI HANIFAH Rafiqah Riduan Mas'ud Rosman, Romzie Saadatirrohmi, Siti Ahdina Sulistyowati Ulfi Kartika Oktaviana Zakiah