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<![CDATA[PENINGKATAN SUMBER DAYA MANUSIA PENGELOLA PENCATATAN ZAKAT DALAM PEMBANGUNAN EKONOMI MAKRO ]]>
<![CDATA[Mirza Hisyam Maulana]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1326
<![CDATA[This research aims to reveal methods for increasing human resources for recording and managing zakat in an effort to increase macroeconomic growth in Indonesia. The research method is in the form of a descriptive method or an elaboration method with a type of qualitative research based on the phenomenon of human resource development for zakat managers in Indonesia who have insufficient work competency. The data collection technique uses note-taking techniques on data in the form of sentence descriptions or other data that supports research needs. The data analysis model uses the Miles and Huberman analysis model which consists of three actions, namely data reduction, data presentation, and determining initial conclusions. The research results reveal that actions to increase Human Resources in zakat management are carried out with assistance from superiors in zakat institutions in terms of employee introduction, training and work processes, provision of performance facilities and infrastructure that support employee performance, as well as incentives. Accurately recording, managing and distributing zakat has the impact of increasing macroeconomic growth due to four things, namely income distribution, economic empowerment of the people, social investment, and increased consumption and investment.]]>
<![CDATA[ANALISIS PENGARUH PEMBIAYAAN MUSYARAKAH, MUDHARABAH DAN LIABILITAS TERHADAP LABA TAHUN BERJALAN PADA BANK MEGA SYARIAH TAHUN 2014-2023 ]]>
<![CDATA[Suci Diana Wulansari]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1386
<![CDATA[Analisis pengaruh musyarakah, mudharabah, dan liabilitas terhadap laba tahun berjalan menjadi tujuan utama penelitian ini. Jenis penelitian ini menggunakan deskriptif kuantitatif dengan analisis regresi linier berganda. Sampel yang digunakan adalah Bank Mega Syariah selama 10 tahun mulai tahun 2014 hingga 2023. Teknikiyang digunakanidalam sampeliini adalahiteknik purposive sampling. Proses pengumpulan datanya berupa laporan keuangan tahunan dengan data yang digunakan berupa data sekunder eksternal dan kajian literatur. Temuan penelitianiini menunjukkan bahwa Musyarakah, Mudharabah dan Liabilitas secara simultan mempunyai pengaruh yang signifikan terhadap laba tahun berjalan.]]>
<![CDATA[Efektivitas Pengelolaan Zakat oleh Badan Amil Zakat Nasional (BAZNAS) di Indonesia : Periode Tahun 2018-2022 ]]>
<![CDATA[Rindyi Putri Lestari]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1469
<![CDATA[Zakat has great potential to alleviate poverty and equalize welfare in Indonesia. This potential is influenced by the existence of a very large Muslim population in Indonesia. Therefore, there is a need for BAZNAS to manage zakat effectively in Indonesia. This study uses a quantitative approach with the Allocation to Collection Ratio (ACR) analysis method which aims to analyze the effectiveness of zakat management by BAZNAS in Indonesia. The data of this study were obtained from BAZNAS financial statements during the period 2018-2022. From the research that has been conducted, it shows that from 2018-2022 BAZNAS has carried out zakat management very effectively which has an average score of 95.59%. This shows that BAZNAS has succeeded in achieving its goals and realizing its targets very well. Keywords : BAZNAS, Effectiveness, Zakat, Management Abstrak Zakat berpotensi besar dalam upaya pengentasan kemiskinan dan pemerataan kesejahteraan di Indonesia. Potensi ini dipengaruhi oleh adanya penduduk muslim di Indonesia dengan jumlah yang sangat besar. Oleh karena itu, diperlukan adanya BAZNAS untuk mengelola zakat secara efektif di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis Allocation to Collection Ratio (ACR) yang bertujuan untuk menganalisis efektivitas pengelolaan zakat oleh BAZNAS di Indonesia. Data penelitian ini diperoleh dari laporan keuangan BAZNAS selama periode 2018-2022. Dari penelitian yang telah dilakukan, menunjukkan bahwa sejak tahun 2018-2022 BAZNAS telah melakukan pengelolaan zakat dengan sangat efektif yang memiliki skor rata-rata 95,59%. Hal ini menunjukkan bahwa BAZNAS berhasil mencapai tujuannya dan merealisasikan targetnya dengan sangat baik.]]>
<![CDATA[ANALISIS PEMBIAYAAN IJARAH PADA PERBANKAN SYARIAH ]]>
<![CDATA[Almirah Luthfiyah Nur Aurellia]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1547
<![CDATA[. This research was conducted with the aim of analyzing the application of financing using the Ijarah (rental) scheme in the sharia banking industry. The theories underlying this research include the concept of ijarah itself, the Ijarah financing mechanism, the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) regarding Ijarah, as well as the application and implementation of Ijarah financing in practice. This research is descriptive qualitative research carried out in 2016, using data collection methods in the form of literature studies. The research results show that financing products in Islamic banks based on the leasing principle include two types, namely pure lease (Ijarah) and termination of lease with transfer of asset ownership known as Ijarah Muntahiya Bittamlik (IMBT). IMBT is basically a combination of a rental agreement and a sale and purchase agreement.]]>
<![CDATA[PERAN PENGENALAN SISTEM PEREKONOMIAN SYARIAH TERHADAP PERKEMBANGAN EKONOMI SYARIAH DI INDONESIA ]]>
<![CDATA[Oveliana Puspitasari]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1568
<![CDATA[This research aims to explore information regarding the role of the introduction of the sharia economic system on the development of the sharia economy in Indonesia using a literature study research method involving the process of collecting relevant data related to research topics from various sources, academic books, scientific articles, research reports and theses. . The results of this research explain that the implementation of the Sharia economic system in Indonesia has received a positive response from the public and has also had a positive impact on economic development in Indonesia. However, knowledge regarding Sharia economics itself is not yet fully known by the wider community.]]>
<![CDATA[PERKEMBANGAN MINAT MASYARAKAT INDONESIA TERHADAP PERBANKAN SYARIAH ]]>
<![CDATA[Devina Lutfa Dianti]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1573
<![CDATA[The Development of Indonesian Public Interest in Sharia Banking Shows an Increase, Mainly Due to the Increase in Public Awareness of Sharia Banking and the Advancements in Digital Technology Facilitating Access to Sharia Banking Services. This Study Found That Several Factors Influence People's Preference for Conventional Banks Over Sharia Banks, Such as Limited Understanding of Riba and Highly Competitive Market Conditions. However, Some People Choose Sharia Banks Due to the Sharia Values Present in Sharia Banks Being Considered Suitable, as Well as Minimal Administrative Fees and the Implementation of Profit-Sharing by Sharia Banks. The Conclusion of This Study Indicates That Public Interest in Sharia Banks Will Increase Until 2024, Supported by a More Diverse Range of Products, Advancements in Digital Services, and Increasing Public Awareness of Sharia Banking.]]>
<![CDATA[Pemanfaatan Teknologi dalam Perkembangan Operasional Perbankan Syariah ]]>
<![CDATA[Bayu Aji Laksono]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1580
<![CDATA[In the current digital era, the utilization of technology is becoming increasingly important for the banking industry, including Islamic banking. Several reasons why technology must be a major focus for the development of Islamic banking are to improve operational efficiency, expand service reach, enhance customer experience, drive product innovation, and strengthen security and compliance. This study discusses the utilization of technology in the operational development of Islamic banking in Indonesia, as well as the challenges and opportunities faced by the industry in adopting digital technology. Thus, this study provides valuable insights into the dynamics of the development of Islamic banking in Indonesia, particularly in the context of utilizing digital technology to improve the industry's operations and competitiveness.]]>
<![CDATA[Pengembangan Ekonomi Syariah : Tantangan dan Peluang di Era Digital ]]>
<![CDATA[Ayu Sukreni Hakim]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1594
<![CDATA[Ekonomi syariah, yang berlandaskan prinsip-prinsip Islam seperti keadilan, keberlanjutan, dan larangan riba, telah menunjukkan perkembangan signifikan dalam era digital. Transformasi digital memberikan peluang besar untuk memperluas akses dan efisiensi layanan keuangan syariah melalui inovasi teknologi seperti fintech syariah, crowdfunding berbasis syariah, dan blockchain. Penelitian ini mengkaji tantangan dan peluang yang dihadapi dalam pengembangan ekonomi syariah di era digital. Hasil menunjukkan bahwa meskipun terdapat tantangan dalam adopsi teknologi dan pembangunan ekosistem digital, potensi ekonomi syariah untuk berkontribusi pada inklusi keuangan dan pertumbuhan ekonomi yang berkelanjutan sangatlah besar. Dukungan kebijakan, kerjasama lintas negara, dan kampanye edukasi menjadi kunci dalam mengoptimalkan potensi tersebut. Studi ini memberikan wawasan penting bagi pengambil kebijakan, praktisi, dan akademisi dalam memahami dinamika ekonomi syariah di era digital dan strategi untuk menghadapi tantangan yang ada.]]>
<![CDATA[Analisis Hukum dan Ekonomi Prinsip Murabahah dalam Transaksi Perbankan Syariah ]]>
<![CDATA[Ayu Sukreni Hakim]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1595
<![CDATA[This article delves into the intricacies of the murabahah principle within the realm of Islamic banking, examining it from both legal and economic standpoints. Murabahah is a unique form of sale and purchase transaction where an Islamic bank procures goods requested by a customer and resells them at a predetermined price encompassing the original cost and an agreed-upon profit margin. The foundation of this principle rests upon ensuring fairness and transparency in transactions while adhering to Sharia principles that prohibit usury (riba). This research meticulously explores the relevance of murabahah in the context of Islamic banking, the resulting economic implications, and the controversies that arise surrounding its implementation. The findings of the analysis reveal that murabahah not only presents an Islamically compliant financing alternative but also fosters financial inclusion and sustainable economic development.]]>
<![CDATA[Analisis Pembagian Risiko dan Distribusi Keuntungan dalam Kontrak Pembiayaan Musyarakah ]]>
<![CDATA[Narulita, Leira]]>;
<![CDATA[Fauzatul Laily Nisa]]>
<![CDATA[ JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli ]]>
Publisher : <![CDATA[CV. KAMPUS AKADEMIK PUBLISHING ]]>
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DOI: 10.61722/jrme.v1i3.1599
<![CDATA[Musyarakah financing is a partnership model where two or more parties combine capital to fund a project or business. This contract emphasizes fairness, transparency, and active participation. Islamic banks continue to develop musyarakah financing to meet customer needs, supported by supportive regulations. This research aims to understand the distribution of risks and profits in musyarakah financing and analyze its practices. Risks such as operational, market, and financial risks must be identified and managed properly. Profit-sharing is based on initial agreements that consider both capital and non-capital contributions. Evaluation of profit distribution practices highlights the importance of compliance with Sharia principles and transparency. Analysis of practitioner experiences reveals challenges such as differing perceptions and cash flow instability. Practical recommendations include improving risk management, transparency, and product innovation. Policy implications include strengthening regulations and incentives to support musyarakah financing. This research is expected to make a significant contribution to the development of Islamic financing in creating a fair, transparent, and sustainable business environment.]]>
