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All Journal Jurnal Ilmiah Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Income: Innovation Of Economics And Management Islamiconomic: Jurnal Ekonomi Islam EKONOMIKA SYARIAH : Journal of Economic Studies Business and Economic Publication
Asyari Asyari
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Economics, Econometrics & Finance Social Sciences

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Analisis Pelaksanaan Transaksi Valuta Asing di Money Changer Rambuti Bukittinggi Menurut Fatwa Dewan Syariah Nasional (DSN) MUI No:28/DSN-MUI/III/2002 dan Maqashid Syariah Tisa Julianti; Asyari Asyari
Jurnal Pendidikan Tambusai Vol. 9 No. 3 (2025): Desember
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Transaksi valas dapat dilakukan secara langsung. Salah satunya money changer rambuti yang merupakan perusahaan wirausaha yang melakukan transaksi valuta asing secara langsung. Tujuan dari penelitian ini yaitu untuk mengetahui Analisis pelaksanaan transaksi valuta asing di money changer rambuti berdasarkan fatwa DSN-MUI dan Maqashid Syariah. Jenis penelitian ini adalah penelitian lapangan (field research) dengan metode kualitatif yang bersifat deskriptif kualitatif. Sumber data yang digunakan yaitu sumber data skunder dan sumber data primer. Metode pengumpulan data menggunakan metode wawancara dan dokumentasi. Metode analisis data penelitian ini menggunakan analisis deskriptif kualitatif, yaitu berupa keterangan dalam bentuk uraian untuk menganalisis cara berpikir induktif. Hasil penelitian menunjukkan bahwa analisis pelaksanaan transaksi valuta asing yang ada di money changer rambuti sangatlah membantu bagi masyarakat , karena transaksi yang dilakukan tergolong cepat, mudah dan selesai pada saat itu juga dengan hanya harus mengkonfirmasi identitas diri. Di dalam hasil penelitian pihak money changer rambuti belum sesuai dengan prinsip Fatwa DSN MUI karena meskipun transaki dilakukan secara langsung dan selesai pada saat itu juga, tapi masih terdapat unsur-unsur spekulasi di dalamnya, sehingga dalam segi transaksi yang dilakukan dengan pelanggan atau nasabah Money Changer rambuti masih terdapat unsur spekulasi yang dilarang oleh syariah. Dan terkait Maqashid syariah transaksi valas yang terjadi di Money changer rambuti ini sudah sesuai dengan Maqashid Syariah terkait penjagaan harta, dimana mereka tidak hanya memanfaatkan harta yang mereka punya untuk keperluan pribadi saja tapi untuk kegunaan social dalam rangka membantu sesama manusia, sehingga harta yang mereka miliki tersebut mempunyai nilai ibadah disisi Allah SWT.
Analisis Penggunaan Berkelanjutan Digital Banking Dengan Fitur Layanan Sebagai Variabel Moderasi Pada Nasabah PT. Bank Syariah Indonesia KC Batusangkar Habil Febrian; Asyari Asyari; Dila Anggraini; Nurul Fadhila Hasanah; Anwar Sholihin
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9485

Abstract

This study aims to determine the use of sustainable digital banking with service features as a moderation variable for customers of PT. Bank Syariah Indonesia KC Batusangkar data analysis technique uses PLS (Partial Least Square) with processing using Software Warp-PLS 8.0. The test results using the SEM-PLS approach show that, Moderation effect of service features in the relationship between perceived usefulness and continuance intention in using digital banking during the Covid 19 period. Perceived usefulness of X1 is positive and significant, meaning that service features are able to moderate the relationship between perceived usefulness and use sustainable so that the hypothesis (H4) is accepted. Service features significantly moderate the relationship between perceived usefulness and sustainable use with a p-value
Faktor-faktor Yang Mempengaruhi Perilaku Konsumsi Rumah Tangga Muslim di Perbatasan Rao Pasaman Sumatera Barat Elmunawaroh Elmunawaroh; Asyari Asyari; Anwar Sholihin
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9486

Abstract

Consumer behavior that is vulnerable to rapid changes because it relates to everyday life in order to meet their needs. High consumption is the result of the rapid development of society. So that culture becomes a factor causing consumption behavior. Culture is related to knowledge, beliefs, morals, and other abilities and behaviors that are obtained from society. Cultural values will have an impact on the purchasing and consumption habits of community members in marketing. Where the customer will give high value to the achievement of the goods. As a result, consumers compete to get these products, causing excessive consumption. This high lifestyle is accompanied by an era that continues to develop and is followed by an outside culture that is free and easy to enter which is able to change people's lifestyles to be a little excessive. The next factor is religiosity which is considered as a representation of a Muslim's ability to apply what he believes in and understands from the teachings of his religion in everyday life. Like things that can prevent self-harm. This study aims to determine the factors that influence the consumption behavior of Muslim households on the border of Rao Pasaman, West Sumatra. This research method is classified as a quantitative research. The data used are primary data obtained from filling out questionnaires by respondents using a Likert scale measurement. The sampling technique used in this study was purposive sampling with a population of 7,024 with a sample of 100 people. The data analysis technique used is multiple linear regression. The analysis of this study uses the SPSS application based on the results of hypothesis testing which shows that culture, lifestyle and religiosity as a whole influence consumption behavior. Culture is 2.024 with a significance of 0.046
Understanding Cash Waqf Intention among Academics: The Role of Financial Literacy as a Moderating Variable Zulkarnaen Zulkarnaen; Asyari Asyari; Hesi Eka Puteri; Aidil Alfin
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1410

Abstract

Despite Indonesia’s substantial potential for cash waqf, its realization remains far below expectations, suggesting relatively low public interest in participating in such initiatives. This study aims to examine the effects of attitudes, subjective norms, religiosity, and information media on the intention to participate in cash waqf, with cash waqf literacy positioned as a moderating variable among lecturers of the Faculties of Islamic Economics and Business at State Islamic Religious Universities (PTKIN) in West Sumatra. This research employs a quantitative, survey-based approach. Primary data were collected via questionnaires distributed to 150 lecturers and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings reveal that attitudes, subjective norms, religiosity, and information media significantly and positively influence cash waqf intention. However, cash waqf literacy does not significantly moderate the relationships between these variables and cash waqf intention. These findings contrast with prior studies suggesting that cash waqf literacy plays a significant role in enhancing participation intention. The absence of a moderating effect indicates that the determinants proposed by the Theory of Reasoned Action (TRA) exert a strong, direct influence independent of literacy levels. In practice, the results imply that waqf institutions and nazhir should reconsider their strategic focus, shifting from literacy-based campaigns to strengthening transparency, trust, and institutional credibility, particularly when targeting academics and upper-middle-class Muslim communities.
Upaya Peningkatan Kualitas Pelayanan dalam Meningkatkan Minat Jamaah Umrah Sultan Trip Holidays Muhammad Rafiq; Asyari Asyari
Business and Economic Publication Vol. 4 No. 1 (2026): Business and Economic Publication
Publisher : Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/bep.v4i1.1759

Abstract

The increasing competition in the Umrah travel industry requires service providers to continuously improve service quality in order to maintain pilgrims' interest. Previous studies generally discuss service quality in a broad context, while limited research specifically examines personalized service strategies and technology-based services in local Umrah travel agencies. This study aims to analyze efforts to improve service quality in increasing the interest of Umrah pilgrims at Sultan Trip Holidays Bukittinggi. This research employed a descriptive qualitative method with data collected through observation, interviews, and documentation. The findings reveal that pilgrims' interest is influenced by several main strategies, including the recruitment of professional and responsive human resources, continuous staff training, empathy-based services, accessible digital information services, and the provision of comfortable travel facilities. The study highlights that the combination of personalized services and the utilization of technology serves as a distinguishing factor that strengthens pilgrims' trust and interest in Sultan Trip Holidays.  
Misuse of PNPM Mandiri Rural Loan Funds (Case Study in Jorong Lubuak Batingkok) Sukma Indah Darianti; Asyari Asyari; Hesi Eka Putri; Rusyaida Rusyaida
INCOME: Innovation of Economics and Management Vol. 6 No. 1 (2026): June
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v6i1.7207

Abstract

Purpose – This study examines the misuse of revolving loan funds in the National Program for Community Empowerment in Rural Areas (PNPM Mandiri Perdesaan) within the Women's Savings and Loans Group (SPP) Usao Amai, Lima Puluh Kota Regency, and identifies contributing factors. Design/methodology/approach – A qualitative descriptive approach was employed, utilizing observation, semi-structured interviews, and documentation involving group members, administrators, and community leaders. Findings/Results – Revolving funds were primarily used for consumptive purposes—household expenses, education, medical costs, and debt repayment—rather than productive business activities. Despite this misuse, repayment rates remained stable due to strong social solidarity and mutual trust. Key factors contributing to misuse include weak supervision, low financial literacy, unstable household economies, and misperceptions of the program as flexible government assistance rather than business capital. Originality/Value – From an Islamic economics perspective, fund misuse deviates from principles of amanah (trustworthiness) and responsibility in managing qardh (loans), though members' commitment to repayment reflects enduring moral values. The study recommends strengthening supervision, providing financial literacy training, and integrating Islamic economic principles into community empowerment programs.
The Influence of Religiosity, Zakat Knowledge and Social Media on the Interest in Paying Zakat of Educated Millennial Muslims Syarif Hidayatullah; Asyari Asyari
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.8084

Abstract

Studi ini dilakukan untuk menganalisis pengaruh religiusitas, pengetahuan tentang zakat dan penggunaan media sosial terhadap minat muslim millenial terdidik untuk membayar zakat. Metode studi yang digunakan adalah penelitian korelasional (correlation research) dengan jumlah total responden sebanyak 222 orang yang merupakan mahasiswa dari Fakultas Ekonomi Bisnis Islam dari 3 (tiga) Perguruan Tinggi Islam Negeri di Sumatera Barat. Metode pengumpulan data dilakukan dengan cara menyebarkan kuesioner, lalu dianalisis dengan metode Partial Least Square Equation Modeling (PLS-SEM) menggunakan aplikasi SmartPLS 4. Hasil penelitian menemukan bahwa religiusitas mempengaruhi minat untuk membayar zakat. Pengetahuan zakat mempengaruhi minat membayar zakat. Media sosial tidak memiliki pengaruh terhadap minat membayar zakat dengan arah hubungan positif. Studi ini merekomendasikan strategi untuk meningkatkan minat membayar zakat dari generasi muslim millenial terdidik dengan cara memperhatikan tingkat religiusitas dan pengetahuan zakat serta informasi zakat yang tersedia pada media sosial generasi millenial muslim terdidikThis study was conducted to analyse the influence of religiosity, knowledge about zakat, and the use of social media on the interest of educated millennial Muslims to pay zakat. The study method used is correlation research with a total of 222 respondents who are students from the Faculty of Islamic Business Economics from three (three) state Islamic universities in West Sumatra. The data collection method was carried out by distributing questionnaires, which were then analysed by the partial least squares equation modelling (PLS-SEM) method using the SmartPLS 4 application. The results found that religiosity affects interest in paying zakat. Zakat knowledge affects the interest in paying zakat. Social media does not influence interest in paying zakat with a positive relationship direction. This study recommends strategies to increase the interest in paying zakat of the educated millennial Muslim generation by paying attention to their level of religiosity and zakat knowledge, as well as the zakat information available on social media. 
The Effect of Knowledge, Psychological Factors, Technology and Culture in Adopting Islamic Banking Kumaidi; Asyari Asyari
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8622

Abstract

This study was conducted to analyze the extent to which knowledge, psychological factors, technology, and culture influence the preferences of the Minangkabau community in conducting transactions with Islamic banks. The design of this research is quantitative correlational. The population in this study consists of the Minangkabau ethnic community in Bukittinggi, aged between 15 and 34 years, with a total population of 48,106 individuals. A sample size of 397 Minangkabau respondents was selected using Slovin’s formula with a critical value of 5%. The sample was determined through combination sampling to ensure the data collected represented all districts in Bukittinggi. Data were gathered through the distribution of questionnaires and analyzed using multiple linear regression analysis techniques. The results of the study indicate that knowledge has a negative but not significant effect on the intention of the community to transact with Islamic banks. Meanwhile, the variables of psychological factors, technology, and Minangkabau culture have a significant positive influence on the Minangkabau community's intention to transact with Islamic banks. Penelitian ini dilakukan untuk menganalisis seberapa besar pengaruh pengetahuan, psikologis, teknologi dan budaya terhadap preferensi masyarakat Minangkabau untuk bertransaksi di bank syariah. Bentuk penelitian ini adalah kuantitatif korelasional. Populasi dalam penelitian ini adalah masyarakat kota Bukittinggi yang beretnis Minangkabau dengan kisaran usia dari 15-34 tahun dengan jumlah populasi 48.106 orang. Dalam penelitian ini diambil jumlah sampel sebanyak 397 responden masyarakat Minangkabau yang ditentukan dengan menggunakan rumus slovin dengan nilai kritis 5%. Selanjutnya penentuan pengambilan sampel dilakukan secara combination sampling agar data yang diperoleh menyebar mewakili secara area sampling kesetiap kecamatan yang ada di Bukittinggi. Data dikumpulkan melalui metode penyebaran angket kuisioner yang kemudian dianalisis dengan teknik analisis regresi linier berganda. Hasil penelitian menunjukan bahwa pengetahuan berpengaruh negatif namun tidak signifikan terhadap intensi masyarakat untuk bertransaksi di bank syariah. Sedangkan variabel Psikologis, Teknologi dan Budaya Minangkabau mempunyai pengaruh yang positif signifikan terhadap intensi masyarakat Minangkabau untuk bertransaksi di bank syariah.  
Co-Authors Alfin, Aidil Anwar Sholihin Dila Anggraini Elmunawaroh Elmunawaroh Habil Febrian Hesi Eka Puteri Hesi Eka Putri Kumaidi Muhammad Rafiq Nurul Fadhila Hasanah Rusyaida Rusyaida Sukma Indah Darianti Syarif Hidayatullah Tisa Julianti Zulkarnaen Zulkarnaen