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All Journal JURNAL ALAMIAH
Casmita Pujiharto, Yaya Ruhenda
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Religion Economics, Econometrics & Finance Education

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ANALISIS CASHBACK PADA AKAD PEMBAYARAN FINTECH DAN KEMANFAATAN DALAM PERSPEKTIF EKONOMI SYARIAH Sudarma, Ade; Rahmat, Muhammad Imdadun; Casmita Pujiharto, Yaya Ruhenda
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.960

Abstract

The development of internet technology has driven changes in aspect of human transaction affairs, including buying and selling activities. Over time, the growth of online businesses has increased significantly, marked by the rise of e-commerce platforms or startups. Its implication is to encourage innovation in transaction methods. Financial technology (fintech) is one such innovation, with Go-Pay being a prominent example in Indonesia. Go-Pay is a cashless transaction application. Its ease of use and various promotions offered by Go-Pay have attracted consumers. One of the promotions that is often offered is cashback. Cashback refers to the return of funds from the purchase of products or payment for services using Go-Pay. This study aims to analyze the impact of cashback from Go-Pay transactions on the economy of society by employing a qualitative method supported by quantitative analysis, quantitative data was processed using a two-tailed T-test with SPSS version 26 assistance. Qualitative data analysis was done by using analytical descriptive case study approach and library research, incorporating a normative (Islamic law) perspective. Data validity was tested using source and technique triangulation, while the discussion applied the principles of ushul fiqh, specifically istidlal qiyasi (analogical reasoning). The results of this study show a significant value of 52.652, while the T-table at a significance level of 0.05 is 2.020. This indicates that the null hypothesis (H0) is rejected, and the alternative hypothesis (Ha) is accepted. The conclusion is that cashback in Go-Pay transactions has an impact on both the economy of society and its benefits. However, from an Islamic law perspective, cashback still contains elements of riba, which users should avoid. Furthermore, it is recommended that Go-Pay clarify the terms of its transaction in detail and partner with Islamic banks.
MODEL STRATEGI KOPERASI SYARIAH BAYTUL IKHTIAR DALAM PEMBERDAYAAN EKONOMI UMMAT DI KOTA BOGOR Mitra; Casmita Pujiharto, Yaya Ruhenda; Sumengkar , Apung
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.962

Abstract

This study is entitled "Strategy model of Baytul Ikhtiar Sharia Cooperative in empowering the economy of the people in Bogor City" This study aims to examine the strategy model of Baytul Ikhtiar Sharia Cooperative in empowering the economy of the people in Bogor City. By using qualitative methods and SWOT analysis, this study found that the strategy model used is based on sharia finance, mentoring MSME members and optimizing social funds (ZISWAF and Qardhul Hasan) with the Grameen Bank concept, while the factors that influence it are the Implementation of Sharia Principles, Digitalization Support, Mentoring and Training of MSMEs, Optimization of Social Funds (ZISWAF & Qardhul Hasan), Collaboration with Sharia Financial Institutions and partners, Strong Networks and Communities. However, there are several major challenges faced, such as limited capital and competition. The SWOT analysis reveals that the main strengths lie in cooperative services, Mentoring and training, and optimizing social funds in empowerment programs. However, weaknesses such as limited capital, and lots of competition. Opportunities include government support and collaboration with other institutions, increasing public awareness, while threats include economic instability and policy changes, lack of trust in Islamic cooperatives, and competition between other institutions.
PEMBERDAYAAN USAHA MIKRO BERBASIS ZAKAT, INFAK DAN SEDEKAH (ZIS) DI LAZ DAUD BOGOR Tamami, Rijal; Casmita Pujiharto, Yaya Ruhenda; Sumenkar, Apung
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 02 (2025): JULI 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i02.966

Abstract

Micro enterprises play a crucial role in national economic development but often face challenges, particularly in accessing capital and financing. This study aims to examine the mechanisms of collection, management, and distribution of Zakat, Infak, and Sedekah (ZIS) funds by LAZ Daud Bogor in supporting micro enterprise empowerment, as well as to analyze the internal and external factors influencing the program through SWOT analysis. The research employs a qualitative descriptive approach with data collected through interviews, observations, and documentation at LAZ Daud Bogor and its affiliated micro enterprise community. The results indicate that the ZIS fund management mechanism operates in a structured and transparent manner, focusing on capital provision, training, market access, community network strengthening, product development, and sustainability of micro enterprises. The SWOT analysis identifies strengths such as stable funding sources and solid community networks, weaknesses including limited human resources and monitoring, opportunities from government support and digital technology, and threats such as economic instability and market competition. The strategic position of the program lies in the Strengths-Opportunities (SO) quadrant, enabling the implementation of aggressive and innovative strategies to expand social and economic impact sustainably. This study provides strategic recommendations to enhance the effectiveness of micro enterprise empowerment based on ZIS at LAZ Daud Bogor.
PERSEPSI SISWA MADRASAH ALIYAH AL-MUHLISIN TERHADAP PENERAPAN PEMBELAJARAN EKONOMI SYARIAH YANG BERKELANJUTAN Toyib; Rahmat , Muhammad Imdadun; Casmita Pujiharto, Yaya Ruhenda
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 02 (2025): JULI 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i02.970

Abstract

This study aims to examine the perceptions of students of Madrasah Aliyah Al-Muhlisin regarding the implementation of sustainable sharia economic learning. The method applied in this study is quantitative descriptive, with data collection carried out through questionnaires and interviews. The sample analyzed consisted of 48 students, taken using purposive sampling techniques. The data obtained were analyzed using descriptive statistical techniques, assisted by SPSS software. The results of the study indicate that students' perceptions of sustainable sharia economic learning are relatively positive. The majority of students believe that the teaching methods used are quite effective in improving their understanding of sharia economic concepts. Many factors influence students' understanding, including the teaching approach applied by teachers, the availability of teaching materials, and the existence of direct practice in everyday life. The validity test shows that all items in the questionnaire are valid. Meanwhile, the reliability test of variable X (Student Perception) produces a Cronbach's Alpha value of 0.300 and variable Y (Sustainable Sharia Economic Learning) produces a Cronbach's Alpha value of 0.286, indicating that the research instrument has high reliability. In addition, the results of the simple linear regression analysis produced a constant value of 57.603 with a positive value, this can be interpreted that the variables Student Perception (X), and Sustainability of Islamic Economic Learning (Y) are constant and will experience an increase in sustainability of 57.603%. This study recommends that schools improve the quality of Islamic economics teaching by providing more comprehensive teaching materials and training for teachers so that teaching methods become more innovative. Students are also expected to be more active in seeking additional references and being involved in activities related to Islamic economics. Future research is expected to expand the scope of the study by using more in-depth methods.
Co-Authors Mitra Rahmat , Muhammad Imdadun Rahmat, Muhammad Imdadun Sudarma, Ade Sumengkar , Apung Sumenkar, Apung Tamami, Rijal Toyib