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All Journal Jurnal Ilmiah Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Islamiconomic: Jurnal Ekonomi Islam 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

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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, indicating relatively low public interest in participating in cash waqf 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 approach using a survey method. Primary data were collected through questionnaires distributed to 150 lecturers and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. 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 in the Theory of Reasoned Action (TRA) exert a strong and direct influence independently of literacy levels. Practically, the results imply that waqf institutions and nazhir should reconsider their strategic focus by shifting from literacy-based campaigns toward 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.  
Co-Authors Alfin, Aidil Anwar Sholihin Dila Anggraini Elmunawaroh Elmunawaroh Habil Febrian Hesi Eka Puteri Muhammad Rafiq Nurul Fadhila Hasanah Tisa Julianti Zulkarnaen Zulkarnaen