Garuda - Garba Rujukan Digital

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

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

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

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

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.

The Effect Of Expert Management, Professional Skepticism And Professional Ethics On Auditors Detecting Ability With Emotional Intelligence As Modeling Variables (Study At The Makassar City Inspectorate) Murtiadi Awaluddin; Nirgahayu; Rulyanti Susi Wardhani
International Journal of Islamic Business and Economics (IJIBEC) Vol 3 No 1 (2019): Volume 3 Nomor 1 Tahun 2019
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i1.1567

This study aims to examine the effect of management experts, professional skepticism and professional ethics on the auditor's ability to detect fraud with intelligence emotional as a moderating variable. This research was conducted at the Makassar City Inspectorate. This research is an explanatory study with a quantitative approach. The study used a saturated sample method with a sample of 25 people. Analysis data in this research using multiple regression analysis with absolute difference value. The results of multiple analysis show that management experts, professional skepticism and professional ethics have a positive and significant effect on the auditor's ability to detect fraud. The result of the analysis show that emotional intelligence is able to moderate expert management and professional skepticism towards the auditor's ability to detect fraud, while emotional intelligence does not moderate professional ethics on the auditor's ability to detect fraud.

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

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

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.

Branding dan Pemasaran Produk Halal UKM Berbasis Persepsi Konsumen Rasnawati, Rasnawati; Sirajuddin, Sirajuddin; Awaluddin, Murtiadi
SENTRI: Jurnal Riset Ilmiah Vol. 4 No. 8 (2025): SENTRI : Jurnal Riset Ilmiah, Agustus 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v4i8.4277

This study examines consumer perceptions of halal product branding and marketing for Small and Medium Enterprises (SMEs) in South Sulawesi, identifying the challenges faced by SMEs in marketing halal products. The main issue raised is consumers' lack of understanding of the added value and advantages of halal products and their impact on purchasing decisions. The purpose of this study is to analyze consumer perceptions and explore the factors influencing halal product purchasing decisions. The approach used was qualitative with descriptive methods, and data were obtained through in-depth interviews, observation, and documentation. The research informants consisted of halal product branding and marketing personnel of Small and Medium Enterprises (SMEs) in South Sulawesi. The results indicate that trust in halal certification, product quality, and effective marketing strategies contribute to consumer purchasing decisions. The implications of this study are crucial for SMEs in formulating more effective marketing strategies. This study recommends that SMEs utilize social media and digital platforms to increase product visibility and educate consumers about the benefits of halal products. The results are expected to provide valuable insights for the development of the halal industry in South Sulawesi.

Peningkatan Literasi Digital Pemanfaatan Qris pada Pelaku UMKM di Desa Pesisir Pantai: Pengabdian Sri Prilmayanti Awaluddin; Murtiadi Awaluddin; Yuli Rahmini Suci; Asriani; Muhammad Zul Fahmi
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.1903

This community service program aims to improve digital literacy among MSME actors in Kassi Village, Jeneponto Regency, particularly in the use of QRIS and digital marketing. MSME actors in this area often face limitations in accessing digital technology that can enhance their business efficiency and competitiveness. The training provided includes an introduction to QRIS as a digital payment system that facilitates transactions, as well as digital marketing techniques through social media and e-commerce platforms. The training results showed a significant increase in MSME actors’ knowledge of QRIS, from 45% in the pre-test to 85% in the post-test. In addition, skills in digital marketing also improved significantly, with more than 60% of MSME actors actively using social media to market their products. The use of QRIS has also accelerated transactions and reduced dependence on cash payments. The implementation of digital marketing has expanded the market reach of local products, which were previously limited to only local markets. Increasing digital literacy (QRIS and marketing) increases efficiency and expands the MSME market, creating more sustainable opportunities.

Determinants of Sharia Financial Literacy: A Literature Review Sapsuha, Mubasysyyratul Ummah; Awaluddin, Murtiadi
JAAF (Journal of Applied Accounting and Finance) Vol 8, No 2 (2024): JAAF (Journal of Applied Accounting and Finance)
Publisher : President University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33021/jaaf.v8i2.5447

In some countries with large Muslim populations, the low level of financial literacy is also one of the things that deserves attention. This study aims to examine the factors that contribute to the low level of Sharia financial literacy and identify potential strategies to improve it. The method used is a systematic literature review of scientific articles published in the last ten years, focusing on empirical studies in Muslim-majority countries. The results of the review show that the low literacy of Sharia finance is caused by several main factors, including the lack of formal education about the concept and products of Sharia finance, the complexity of Sharia financial products that are difficult for the general public to understand, limited access to Sharia financial institutions in some regions, and the emergence of negative perceptions or misconceptions about the Sharia financial system. In addition, psychological factors, consumer behavior, government policies and regulations, and technology still need to be studied more deeply whether there are indications in determining Sharia financial literacy. Therefore, further research is needed to measure the effectiveness of these interventions in different cultural and socioeconomic contexts.

Title

Found 82 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 82 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 82 Documents
Search