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All Journal El-Mubarak: Islamic Studies Journal International Journal of Islamic Business and Economics (IJIBEC)
Erdah Litriani
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Religion Humanities Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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PRAKTIK BAGI HASIL DALAM USAHA TANI JAGUNG: ANALISIS PERSPEKTIF EKONOMI ISLAM DI DESA PELANGKI OKU SELATAN Dwi Febri Anggela; Erdah Litriani; Khairul RIjal; Vivin Wulandari
El-Mubarak: Islamic Studies Journal Vol. 2 No. 1 (2025): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v2i1.271

Abstract

Kerja sama antara pemilik dan penggarap kebun jagung di Desa Pelangki masih menghadapi beberapa kendala, seperti ketidakjelasan batas waktu perjanjian dan ketiadaan perjanjian tertulis. Hal ini menyebabkan sulitnya penyelesaian ketika terjadi perselisihan, karena tidak adanya bukti yang kuat untuk membela pihak yang dirugikan. Penelitian ini bertujuan untuk mengetahui bagaimana sistem bagi hasil antara pemilik dan penggarap jagung di Desa Pelangki, serta meninjau praktik tersebut dari perspektif ekonomi Islam. Penelitian ini merupakan penelitian lapangan (field research) dengan pendekatan deskriptif kualitatif. Data diperoleh melalui sumber primer dan sekunder, dengan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa sistem bagi hasil yang diterapkan menggunakan akad muzara’ah. Namun, pelaksanaannya belum sepenuhnya sesuai dengan prinsip ekonomi Islam karena tidak adanya kejelasan jangka waktu akad dan perjanjian hanya dilakukan secara lisan. Meskipun demikian, praktik bagi hasil ini tetap mencerminkan nilai-nilai Islam seperti menjunjung tinggi amanah, keadilan, dan kebermanfaatan bagi kedua belah pihak.
Expanding Women’s Access to The Banking Sector: Analysis of Perceptions, Behavior, Culture, and Social Class of Female Customers Towards The Effectiveness of Working Capital Financing at Islamic Banking in Palembang Maftusolikhah, Maftusolikhah; Siti Mardiyah; Erdah Litriani; Sri Delasmi
International Journal of Islamic Business and Economics (IJIBEC) Vol 1 No 2 (2017): Volume 1 Nomor 2 Tahun 2017
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v1i2.1014

Abstract

The increase in micro, small, and medium enterprise (UMKM) units managed by women has contributed a positive impact on reducing poverty rates. The data highlighting lack of female entrepreneurs of UMKM who used and/or are supported with financing facility from banks have led to some emerging questions to be discussed. This present study promotes significance, namely: 1) The effectiveness of financing tends to affect the banks’ performance through created demands; 2) The results of this study are expected to enhance the attention of Islamic banking to female customers by increasing the allocation of financing for those customers; 3) The further implication of these findings is the increase in national economic growth from the UMKM actuated by women; 4) The broader implication is the reduction of working women at high risks because of the conducive business climate in Indonesia with the support of the banking sector. Therefore, this quantitative research that was conducted with regression analysis focused on the internal factors to analyze perceptions, behavior, culture and social class of female customers towards the effectiveness of working capital financing at Islamic banking in Palembang. The findings revealed that the variable of perceptions gave a positive effect on the effectiveness of financing of 0.316, behavior showed a positive impact on the effectiveness of financing of 0.676, culture noted a positive influence on the effectiveness of financing of 0.346, whereas social class demonstrated a negative impact on the effectiveness of the financing of −0.14.
STRATEGY FOR DEVELOPING SUNGAI PINANG BEACH TOURISM VILLAGE USING THE BUSINESS MODEL CANVAS Fakhrina; Maftukhatusolikhah; Erdah Litriani
El-Mubarak: Islamic Studies Journal Vol. 2 No. 2 (2025): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v2i2.439

Abstract

Tourism development can be used as a means to create awareness of national identity and togetherness in diversity. Tourism development is developed with an approach to economic growth and equality for people's welfare and development that focuses on regional, community-based development and community empowerment. The aim of this research is to design ideas for planning a tourism business model for Sungai Pinang Beach in the future by looking at the current condition of the Sungai Pinang Beach Canvas Business Model and then developing a new business model after being analyzed using SWOT. The research method used in this research is qualitative research with a descriptive approach. The results of the analysis show that the condition of the Pantai Sungai Pinang tourist village has many strengths and several opportunities that have not been exploited. The Canvas Business Model has nine model elements, namely 1) tourist customer segment, 2) value proposition, namely natural and peaceful rural atmosphere, sunrise tourism, outbound sensation in rural nature, typical souvenirs, traditional food, easy access , and adequate facilities, 3) channels are social media: Website, Facebook, Instagram, Youtube, making Google maps, brochures, posters, 4) customer relations namely hospitality and social media, 5) income stream is sales of tourist entrance tickets , Discount services, sales of souvenirs and souvenirs, as well as sales of traditional food and drinks, 6) main resources, namely rural land, supporting buildings, human resources, natural raw materials, financial resources of employees and the community and community culture, 7) main activities namely rural natural spatial planning, site maintenance and site care, 8) key partnerships are investors and the government, 9) the cost structure is operational costs, labor wages, marketing costs, development costs and maintenance costs.
PENERAPAN NILAI KEWIRAUSAHAAN PADA SANTRI PONDOK PESANTREN AL-ITTIFAQIAH INDRALAYA DALAM MEWUJUDKAN KEMANDIRIAN EKONOMI MENURUT PEMIKIRAN IBNU KHALDUN Erdah Litriani; Amin Suyitno; Endang Rochmiatun
El-Mubarak: Islamic Studies Journal Vol. 1 No. 1 (2024): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v1i1.36

Abstract

Pondok pesantren tidak lagi dianggap sebagai pendidikan tradisional tetapi mampu untuk melakukan pendidikan modern yang seimbang antara duniawi dan ukhrawi. Pesantren memiliki potensi besar dalam pengembangan kemandirian ekonomi. Pesantren memiliki potensi besar dalam hal kemandirian ekonomi yaitu: potensi Santri, potensi masyarakat sekitar, dan potensi zakat wakaf. Pondok pesantren al-Ittifaqiah telah menjalankan pendidikan Islam yang seimbang menurut Ibnu Khaldun, bahwa pendidikan tidak hanya didasarkan pada pendidikan formal tetapi membekali santri dengan pendidikan lifeskill kewirausahaan dapat dilihat dari program-program ekstra kurikuler yang dimiliki seperti : pengembangan sofskill : pelatihan seni baca Al-Qur’an dan Marhaban, kursus intensif Bahasa asing, pelatihan khutbah, pidato, pelatihan seni dan olahraga, pendidikan dan praktikum ketrampilan (Komputer, Menjahit, Tenun, Sulam, Sablon, Cetak con blok), pendidikan organisasi, kewirausahaan dan akuntansi. Pendidikan Pers dan Jurnalistik, pelatihan penulisan karya Ilmiah. Kemandirian ekonomi yang dijalankan oleh Pondok pesanten al-Ittifaqiah telah mampu menjadi penopang berdirinya pesantren dengan melakukan berbagai unit usaha yang telah melibatkan berbagai pihak baik santri maupun masyarakat sekitar. Yang dapat dilihat dari kegiatan-kegiatan usaha yang dimiliki seperti : Lembaga ekonomi tersebut adalah Badan usaha Milik yayasan (BUMY), Koperasi, BMT dan beberapa Perusahaan Terbatas (PT) Berdasarkan data yang didapatkan dari website bentuk-bentuk usaha ekonomi yang dimiliki adalah sebagai berikut : Kantin, Warung, Mini market, Toko buku dan ATK, Kebun Sawit 50 Ha, Kebun Karet 5 Ha, Peternakan Ikan, Peternakan sapi 25 ekor, Air Minum Dalam Kemasan, Komposting sampah, Apotik, Guest House, Penerbitan, Percetakan, Media on line, Radio 93 Fm, TV on line “ittifaqiahTV”, Pangkas Rambut, Corn block, Batako, Group Musik, Production House, Warnet, Bakery Ittifaqiah, Pertashop, Air Kemasan “Simaan”, Kebun Cengkeh, Kebun Pisang.
ASPEK MIKRO DAN MAKROEKONOMI ZAKAT Agus Azhar Ma'arif Umpuna Alam; Andi Arsyad; Abubakar Sidik; Erdah Litriani
El-Mubarak: Islamic Studies Journal Vol. 1 No. 2 (2024): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v1i2.125

Abstract

Abstrak Zakat adalah salah satu pilar perekonomian Islam dan memiliki dampak signifikan terhadap kesejahteraan individu dan perekonomian secara keseluruhan. Artikel ini mengkaji aspek mikroekonomi dan makroekonomi zakat serta perannya dalam meningkatkan kesejahteraan individu melalui pemerataan pendapatan dan pemberdayaan ekonomi masyarakat. Pada tingkat mikro, Zakat berfungsi sebagai alat untuk memerangi kemiskinan dan meningkatkan daya beli penerimanya. Di sisi lain, dari perspektif makroekonomi, zakat berkontribusi terhadap pertumbuhan ekonomi dan stabilitas sosial dengan mengurangi ketimpangan pendapatan dan mendukung program sosial. Zakat memiliki potensi besar untuk pengembangan ekonomi, namun tantangan manajerial harus diatasi untuk memaksimalkan dampak positifnya. Artikel ini diakhiri dengan rekomendasi untuk mengembangkan sistem zakat yang lebih efektif dan efisien. Abstract Zakat is one of the pillars of the Islamic economy and has a significant impact on individual welfare and the economy as a whole. This article examines the microeconomic and macroeconomic aspects of Zakat and its role in improving individual welfare through income distribution and community economic empowerment. At the micro level, Zakat serves as a tool to fight poverty and increase the purchasing power of its recipients. On the other hand, from a macroeconomic perspective, zakat contributes to economic growth and social stability by reducing income inequality and supporting social programs. Zakat has great potential for economic development, however managerial challenges must be overcome to maximize its positive impact. The article concludes with recommendations to develop a more effective and efficient zakat system.
Co-Authors Abubakar Sidik Agus Azhar Ma'arif Umpuna Alam Amin Suyitno Andi Arsyad Dwi Febri Anggela Endang Rochmiatun Fakhrina Khairul Rijal Maftukhatusolikhah Maftusolikhah, Maftusolikhah Siti Mardiyah Sri Delasmi Vivin Wulandari