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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Diskursus Islam Laa Maisyir Jurnal Ekonomi Islam Jurnal Minds: Manajemen Ide dan Inspirasi Al Tijarah Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam IJBE (Integrated Journal of Business and Economics) Journal of Economic, Bussines and Accounting (COSTING) Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Al-Amwal : Journal of Islamic Economic Law SENTRALISASI YUME : Journal of Management Iqtishoduna: Jurnal Ekonomi Islam International Journal of Islamic Business and Economics (IJIBEC) JAAF (Journal of Applied Accounting and Finance) Ecces: Economics, Social, and Development Studies Al-Kharaj: Journal of Islamic Economic and Business Jurnal Akuntansi International Journal of Business Economics (IJBE) An Nisa' Jurnal Ilmiah Akuntansi Peradaban Asy-Syarikah : Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam Bertuah : Jurnal Syariah dan Ekonomi Islam Shar-E: Jurnal Kajian Ekonomi Hukum Syariah Management of Zakat and Waqf Journal (MAZAWA)) Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Ekonomi Jurnal Kolaboratif Sains Jurnal Iqtisaduna Islamic Accounting and Finance Review Journal Of Human And Education (JAHE) Jurnal Ekonomika Dan Bisnis Jurnal Ekonomi Syariah dan Bisnis Milkiyah: Jurnal Hukum Ekonomi Syariah Economic Reviews Journal Dedikasi: Jurnal Pengabdian Kepada Masyarakat SENTRI: Jurnal Riset Ilmiah ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Media Riset Bisnis & Manajemen AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab Innovative: Journal Of Social Science Research Basic and Applied Accounting Research Journal Indonesian Journal of Economics, Entrepreneurship, and Innovation Ekalaya : Jurnal Ekonomi Akuntansi Al-Jadwa: Jurnal Studi Islam Jurnal Pengabdian Masyarakat dan Riset Pendidikan IJEIRC COSMOS IECON: International Economics and Business Conference Alkasb: Journal of Islamic Economics International Journal of Islamic Business and Economics (IJIBEC) J-CEKI Islamic Financial And Accounting Review Study of Scientific and Behavioral Management (SSBM)
Murtiadi Awaluddin
Fakultas Ekonomi Dan Bisnis Islam Universitas Islam Negeri Alauddin Makassar Jl. Muh. Yasin Limpo No.36, Samata-Gowa
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MARKET STRATEGY ANALYSIS: A CONCEPTUAL STUDY OF RED OCEAN VERSUS BLUE OCEAN Putri Qonitah Rahim; Sitti Syamsiah; Murtiadi Awaluddin; Sudirman
Al Tijarah Vol. 10 No. 2 (2024): Al Tijarah l December
Publisher : University of Darussalam Gontor

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

Abstract

In the dynamic world of business, competition is a critical aspect that demands strategic attention. The ability to design effective strategies to navigate market challenges is essential for business success. Two prominent approaches in this domain are the Blue Ocean Strategy (BOS) and the Red Ocean Strategy (ROS). BOS focuses on creating new, innovative market spaces where competition becomes irrelevant by delivering unique value. Conversely, ROS emphasizes direct competition in existing markets, aiming to outperform rivals through competitive advantages. This study aims to analyze the concepts and applications of BOS and ROS, exploring the fundamental differences between these approaches and their implications for managing business competition. Through a conceptual approach, this review highlights how these strategies can be integrated to strengthen market positioning, enhance competitiveness, and create sustainable value. Furthermore, the study underscores the potential of BOS and ROS to assist businesses in navigating the ever-evolving dynamics of the global market. This comprehensive analysis is intended to provide strategic insights for business practitioners in selecting and implementing approaches that best align with their objectives.
Membangun Kepercayaan Masyarakat Terhadap Sistem Pembayaran Zakat Digital: Studi Kasus Pada Baitul Maal Hidayatullah (BMH) di Indonesia Abdul Chadjib Halik; Murtiadi Awaluddin; Mashuri Masri
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 5: Agustus 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i5.5135

Abstract

Penelitian ini menginvestigasi faktor-faktor yang mempengaruhi kepercayaan masyarakat terhadap sistem pembayaran zakat maal digital yang dikelola oleh Lembaga Amil Zakat Nasional Baitul Maal Hidayatullah (BMH) di Indonesia. Metode kualitatif digunakan melalui wawancara mendalam, observasi partisipatif, dan analisis dokumen untuk mendapatkan pemahaman yang dalam tentang persepsi masyarakat dan praktik pengelolaan BMH. Hasil menunjukkan bahwa keamanan data yang kuat, transparansi operasional, dan antarmuka pengguna yang user-friendly merupakan elemen krusial dalam membangun kepercayaan masyarakat terhadap sistem ini. Temuan ini menggarisbawahi pentingnya integritas dan responsivitas lembaga dalam menjawab kebutuhan dan kekhawatiran masyarakat terkait pengelolaan zakat digital. Implikasi praktis dari penelitian ini mencakup perlunya implementasi kebijakan yang mengedepankan keamanan data dan transparansi sebagai fondasi untuk meningkatkan adopsi dan partisipasi dalam pembayaran zakat maal digital di masa depan.
Individual Ability In Financial Literacy Adriani; Murtiadi Awaluddin; Baso Sardjan; Sitti Fadjriyah; Indah Ramadhani Amir
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 1: Desember 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i1.6081

Abstract

The aim of the research is to find out how to manage financial literacy using the Du Pont system method. The method used in this research is qualitative and quantitative research methods using the du pont method In measuring financial literacy Regarding ROA, ROE, and interest margins (and non-interest fees), all of them in financial operations for corporate success” (Sundarajan : 2022). Research result DuPont Model which is based on analysis of Return on Equity (ROE) & Return on Investment (ROI). The return on equity disaggregates performance into three components: Net Profit Margin, Total Asset Turnover, and the Equity Multiplier. Return on Investment consists of Assets Turnover and Profit Margin. The return on investment consists of Assets Turnover (Operating Income X Total Assets) and Profit Margin (EBIT X Operating Income). In conclusion, ROE & ROI is the most comprehensive measure of profitability of a firm. It considers the operating and investing decisions made as well as the financing and tax- related decisions
The influence of knowledge and accessibility on customer saving decisions with religiosity as a moderation variable Basri, Muh. Arfah; Wahab, Abdul; Awaluddin, Murtiadi; Muchlis, Mustakim; Kouach Yassine
Alkasb: Journal of Islamic Economics Vol. 3 No. 2 (2024)
Publisher : Islamic Economics Study Program, Faculty of Sharia and Islamic Economics, Universitas Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59005/alkasb.v3i2.552

Abstract

This study aims to determine the influence of knowledge and accessibility on customer saving decisions at Bank Syariah Indonesia with religiosity as a moderation variable. This type of research is quantitative research. The population in this study is all students of the Department of Sharia Economic Law STAI YAPIS Takalar. The sampling techniques used are: purposive sampling. In this study the sample number was 41 people. The data collection technique used is a questionnaire measured by a Scale Likert. Data analysis techniques Moderating Regression Analysis (MRA) with the help of the program SPSS 24.0 for windows. The results showed that 1) simultaneously knowledge and accessibility have a significant effect on customers' saving decisions at Bank Syariah Indonesia, 2) knowledge has a significant effect on customers' saving decisions at Bank Syariah Indonesia, 3) accessibility has a significant effect on customers' saving decisions at Bank Syariah Indonesia, 4) religiosity is unable to moderate the influence of knowledge on customers' saving decisions at Bank Syariah Indonesia,  5) religiosity is able to moderate accessibility to customers' saving decisions at Bank Syariah Indonesia.
Development Types Of The Good & Halal Food Industry In Indonesia Kadir, Syahruddin; Awaluddin, Murtiadi; K, Amiruddin
Islamic Financial And Accounting Review Vol 2 No 1 (2023): Islamic Financial And Accounting Review (iFAR)
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v2i1.5439

Abstract

This research to determines the type of development of the halal food industry in Indonesia. The growth of the halal industry with the lifestyle of the Indonesian people needs improvement and control from the perspective of Islamic financial institutions and partners of the Halal Product Guarantee Agency known as Halal Product Companion. The research method used is a qualitative descriptive method with an overview of the literature. Based on the results of the analysis, it can be interpreted that the development of the halal food industry can be increased through development in the fields of agro-industry, halal logistics, halal lifestyle Islamic boarding schools, exports through MEA, halal food e-commerce, halal organic and halal finance from Islamic banking. The role of Islamic banking includes providing financial services in terms of controlling halal products, playing a role in supervising companies providing halal logistics services, and playing a role in the literacy of halal products to the public. PPH is tasked with verifying and validating the halal process of business actors' products. With the integration of all parties involved, the halal food industry in Indonesia has better prospects in the future.
Basic Concepts of Islamic Economics Methodology Nahlah Nahlah; Murtiadi Awaluddin; Amiruddin K; Ridwan Markarma
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 6 No. 1 (2023)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v6i1.4087

Abstract

The interest of scientists studying Islamic economic methodology lately is due to several factors, including some who think that the economy is not running well, still exists unemployment is growing along with high inflation rates, and there is almost no reliable solution to fix the local economic depression problems, regional financial crises, even global. This study aims to determine the basic concept of Islamic economic methodology according to several Islamic economists. The research method uses a literary approach from various journals, especially in the field of Islamic economic methodology, to be examined more deeply to obtain information about the basic concepts of Islamic methodology and what kind of methodology in Islamic economics is used by some Islamic economists. From the research results, the methodology in Islamic economics means building a theory (knowledge) and scientifically evaluating the theory (knowledge) by investigating the criteria, rationalizations, arguments, and justifications used. Meanwhile, Islamic economists' methodological approaches differ, but they have similarities in terms of the internalization of Islamic law in economic theory and practice. And in general, have an agreement to reject the conventional economic system that is contrary to Islam.
Work Professionalism And Ethics In Islamic Business Hamka; Nahlah; Murtiadi Awaluddin; Amirudin K
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 6 No. 1 (2023)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v6i1.4124

Abstract

Ummat muslim yang bergerak dalam bidang bisnis wajib mengetahui hukum jual beli, untuk mengetahui apa yang halal dan haram dalam jual beli, dalam proses jual beli tidak ada pebisnis yang ingin gagal dalam menjalankan usahanya dan berusaha untuk mendapatkan keuntungan yang sebesar-besarnya. Dalam islam perdagangan (bisnis) adalah suatu lahan yang mampu menghasilkan banyak keberkahan. Kegiatan perdagangan atau bisnis menjadi sebuah profesi yang paling banyak diperebutkan karena dapat memberikan keuntungan dan kesuksesan. Namun sebagai umat Islam, hendaknya tidak melihat keuntungan materi saja, atau dunia semata. Tapi lebih penting dari itu adalah keuntungan ukhrawi. Barangsiapa yang berjuang mencari akhirat, maka dunia akan mengikuti. Sedangkan perjuangan mencari keuntungan dunia semata, maka keuntungan akhirat tidak akan didapatkan. Seperti itulah pandangan bisnis dalam Islam. Makalah ini akan menjelaskan tatacara dan etika berbisnis dalam perspektif Islam yang dapat mendatangkan keuntungan dunia dan akhirat. Metode yang digunakan adalah metode kepustakaan dengan pendekatan analisis deskriptif.
Strategy Development as A Driver of Business Sustainability Based on Swot Analysis From The Perspective of Islamic Economics in The MSME Sector Sari, Dian; Devy Wulandari; Rizky Amaliyah Ramdhani Ilham; Andi Abdul Gaffar; Murtiadi Awaluddin; Sudirman
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7333

Abstract

The micro, small and medium enterprise (MSME) sector is considered as the main driver of economic growth and as a temporary place for workers who have not been absorbed in the formal sector. In maintaining the existence of a business, it is necessary to conduct a study of the strengths, weaknesses, opportunities, and threats that occur when the business is carried out. SWOT analysis is basically a technique for systematically identifying various factors and determining elements of the development of an institution. This study uses a qualitative approach that focuses on literature studies, where researchers do not conduct field research and rely on data sources from literature. This study takes sources from articles, books, magazines, the articles we take are articles related to the research theme for at least the last 5 years. After the SWOT analysis is carried out, strategies can be developed by utilizing the SWOT matrix, which consists of four types of strategies: SO (Strengths-Opportunities), WO (Weaknesses-Opportunities), ST (Strengths-Threats), and WT (Weaknesses-Threats). SWOT analysis compares external factors of opportunities and threats with internal factors of strengths and weaknesses. Structured external and internal testing is something unique in planning and development. SWOT analysis is carried out using the results of identifying internal and external conditions of an institution or company. These results are identifications from the internal and external sides, so it is necessary to prepare a strategy presented in the form of a matrix with four strategy options. Along with the development of the era, SWOT analysis is not only used in the industrial world, companies or an organization. However, it can also be used as self-control in order to make a person better. Therefore, this study will discuss the use of SWOT analysis to control daily life from an Islamic economic perspective. So that a plan for an institution or organization will emerge that is in accordance with the standards of Islamic economic principles.
Industrial Competitiveness through Porter's Five Forces Framework selmiana salam; Fitriah Ningsih; Muhammad Ilham; Murtiadi Awaluddin; Sudirman
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7370

Abstract

This study explores the integration of Islamic ethical values into business competitive strategies using Porter’s Five Forces framework. The research employs a qualitative descriptive method through literature studies, drawing from academic journals, classical Islamic sources (Qur’an and Hadith), and contemporary scholars. The study examines how each of Porter’s forces threat of new entrants, bargaining power of suppliers, bargaining power of buyers, threat of substitutes, and industry rivalry can be aligned with Islamic ethical principles such as justice (‘adl), honesty (shiddiq), trust (amanah), and public benefit (maslahah). The findings indicate that integrating Islamic values can address weaknesses in Porter’s model, which is predominantly profit-oriented and economically driven. For example, ethical competition encourages market fairness and discourages monopolies; supplier and buyer relationships are guided by transparency and mutual respect; and innovation is seen as a means to serve, not to dominate. The incorporation of Islamic ethics into competitive strategy not only fosters sustainability and long-term business relationships but also transforms competition into a means of spiritual and social contribution. This approach suggests that companies operating in Muslim-majority environments or with shariah-based principles can adopt a more holistic and balanced strategy achieving competitive advantage while adhering to moral responsibilities. The study contributes to the development of Islamic strategic management literature and offers practical implications for Muslim entrepreneurs and policymakers seeking ethical and effective frameworks for industrial competitiveness.
Implementation of Mortgage Guarantee in Housing Financing through Musyārakah Mutanāqiṣah Contract Amir, A. M. Nur Atma; Parmitasari, Rika Dwi Ayu; Muin, Rahmawati; Awaluddin, Murtiadi; Arsyad, Kamaruddin; Wahyudi, Iqmal
Al-Jadwa: Jurnal Studi Islam Vol. 4 No. 2 (2025): March
Publisher : Universitas Islam Internasional Darullughah Wadda'wah Bangil Pasuruan Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/aljadwa.v4i2.1957

Abstract

In the banking system, collateral serves as a crucial tool for protecting creditors and ensuring debtors fulfill their obligations, particularly in transactions involving valuable assets like property. This study aims to analyze the implementation of collateral in the Musyārakah Mutanāqiṣah Contract on the Hijrah Home Ownership product at Bank Muamalat Indonesia (BMI) Makassar Branch and to evaluate the suitability of the application of collateral in housing financing through the Musyārakah Mutanāqiṣah Contract with Islamic economic principles. This study is included in the category of field research by implementing descriptive qualitative research procedures and using phenomenological and juridical-normative approaches. This study was conducted using four data collection techniques, namely participant observation, structured interviews, documentation, and literature review. This study’s data analysis involved the collection, reduction, presentation, and drawing of conclusions. Data validity testing was carried out by triangulating data sources and triangulating theories. The results of the study indicate that the implementation of collateral in the Musyārakah mutanāqiṣah contract at the Bank Muamalat Indonesia Makassar branch effectively provides legal protection for the bank against the risk of default while maintaining the balance of customer rights through a transparent and fair process. The use of collateral in the Musyārakah mutanāqiṣah (MMQ) contract at Bank Muamalat Makassar is also in line with Islamic economics’ five principles, which are fairness, trustworthiness, security, prosperity, and brotherhood. This study is expected to provide new contributions in the field of Islamic economics, especially in the context of the implementation of the MMQ contract in Islamic banking at the local and national levels.
Co-Authors , Aisyah , Sudirman - Sri Prilmayanti Awaluddin, - Abdul Chadjib Halik Abdul Gani Abdul Wahab Abdullah, Muhammad Wahyuddin Abdullah, Muhammad Wahyudin Abdullah, Wahyuddin Abdurrahman Mansyur Adriani Adriani Affandi, Muh Akbar Akbar. C Alifurahman, Alifurahman Alika, Nur Hikmah Alim Sholihin Aminuyati Amir , Indah Ramadhani Amir, A. M. Nur Atma Amiruddin K Amiruddin K Amirudin K Andi Abdul Gaffar Andi Harmoko Arifin Andi Nur Annisa M Andi Nur Rahma Andi Sitti Aisah Andi Sylvana Andi Sylvana Andi Ummul Khair Anshar Daud Arifin, Asriadi Arsyad, Kamaruddin Arsyadi, Baso Asriadi Arifin Asriani Aswar Aswar Azwar Anwar Bahrul Ulum Rusydi Baso Sardjan Basri, Muh. Arfah Berlian Berlian Devy Wulandari Dewi Pratiwi Dian Dian Dian Sari Dueramae, Hussam Eka Indriyani MS Elis Elis Elis, Elis Elvi Syahria Maznawati Eril, Eril Fadjriyah, Sitti Fahrika, Andi Ika Fajriah, Fadillah Febriani Setijawan Fitriah Ningsih Haeranah Hamka Hasbiah Hasbiah, Hasbiah Herianti, Herianti Ihwan Wahid Minu Ilham Gani Ilham Ilham Indah Ramadhani Amir Irwandi Islahuddin Islah K, Amiruddin Kadir, Syahruddin Kara, Muslimin H Kasim, Sjaiful Khaerah Amalia Khaerunnisa, Syarifa Kouach Yassine M. Iqbal Suhaeb Mahmuddin Mahmuddin Malle, Syarif Syharir Mardan, Muh. Zulhadi Mashuri Masri Maulana Muchlis, Mustakim Muh Akil Rahman Muh. Akil Rahman Muh. Ridwan Markarma Muh. Rum Muh. Rum Muhammad Akil Rahman Muhammad Gazali Suyuti Muhammad Ikhsan Alif MUHAMMAD ILHAM Muhammad Zul Fahmi Muin, Rahmawati Muslimin H. Kara Muslimin Kara Mustofa Umar Mutakallim Sijal Mutmainna, Aenun Mutmainna, Dian N. Nurjanah Nahlah Nahlah, Nahlah Nasrullah Bin Sapa Ni'mah, Fadhilatun Niniek Fariaty Lantara Nirgahayu Nirgahayu Nirgahayu Nirgahayu, Nirgahayu Novianti Novianti Novianty, Anisa Utami Nur Anisa Nur, Fira Nuraeni Nuratikah, Nuratikah Nurmiati Nurmiati Oktoviasari, Vera Ayu Parmitasari, Rika Dwi Ayu Putri Qonitah Rahim Radinal, Radinal Rahim, Adhira Imawardhani Rahman Ambo Masse Rahman, Muhammad Akil Rahmawati Muin Rahmawati Muin Rasnawati, Rasnawati Reniati Reniati Rini andriani Rizky Amaliyah Ramdhani Ilham Rohani, Dian Amalia Putri Rulyanti Susi Wardhani Rusnawati Rusnawati, Rusnawati Safruddin . Saifuloh, Nur Imam Samsunar, Muh. Sanusi, Nina Utami Y Sapiri, Muhtar Sapsuha, Mubasysyyratul Ummah Sardjan, Baso Sari Fatimah Mus Sastri Ayu Wiranitania Selmiana Salam Sijal, Mutakallim Siradjuddin Sirajuddin Sirajuddin Sirajuddin Sitti Fadjriyah Sitti Syamsiah Sudarmi Sudirman Sudirman . Sudirman Sudirman Suhartini, Eka Sukmawati Sukmawati Sumarlin Sumarlin Sumarlin Sumar’in, Sumar’in Syahruddin Kadir Syam, Agus Syamsul Syamsul Syarif Syharir Malle Sylvana, Andi Sylvana, Andi Tawwab, M. Abdut Tri Gunarsih Tuarita, Adam Tunggul Prasodjo Un Dini Imran Usman Jafar Wahyuddin Abdullah Wahyudi, Iqmal Wahyudin Abdullah Wahyudin Abdullah, Muhammad Yuli Rahmini Suci yumita, yumita Zahra, Sufiani