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All Journal Laa Maisyir Jurnal Ekonomi Islam IJTIHAD Islamic Ecomonics Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics AFRE Accounting Financial Review Jurnal Ekonomi & Keuangan Islam TIJAB (The International Journal of Applied Business) DIJB (Diponegoro International Journal of Business) Inovator : Jurnal Manajemen FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Indonesian Journal of Halal Research Indonesian Journal of Islamic Economics Research El-kahfi : Journal of Islamic economics Invest Journal of Sharia & Economic Law Al Basirah Bukhori: Kajian Ekonomi dan Keuangan Islam Jurnal Pengabdian Masyarakat Bangsa Community Empowerment Journal Proceedings of Femfest International Conference on Economics, Management, and Business IIJSE Islamic Business and Management Journal (IBMJ) KIC Proceedings of Femfest International Conference on Economics, Management, and Business Islamic Economics Journal Research in Education, Technology, and Multiculture Bulletin of Social Studies and Community Development Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Soritua Ahmad Ramdani Harahap
STKIP-STAI Babunnajah, Pandeglang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Basic Needs as the Foundation of Consumer Behavior: An Analytical Study of Al-Ghazali's Thought Bin Lahuri, Setiawan; Nurkholifah, Euis; Zarkasyi, M. Ridlo; Ramdani Harahap, Soritua Ahmad
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.16764

Abstract

Consumer behavior that has a lot of consumptive tendencies makes this pattern incompatible with consumption in the Islamic economics. Society has the ideology of consuming excessively, unknowingly, and sustainably. Purchases of goods are only based on desires and do not consider needs, so it is necessary to enforce consumption patterns so that they do not fall into the excessive category. The research methodology used is a literature study method by conducting an in-depth reading analysis of various references related to consumer behavior, especially examining various existing literature works. Researchers reviewed several books written by Al Ghazali and several related figures to obtain additional analysis in this research. The results of this research indicate that the consumption theory according to Al Ghazali is not only oriented to satisfaction. Consumption in Islam is more to make people more obedient in worship. Humans are not required to meet their needs sporadically but must comply with sharia principles. Other important things by paying attention to halal, good and mashlahah for the goods they consume.  Keywords: Consumer behavior, Islamic Economics, Society, Al-Ghazali
Ekonomi Dalam Pandangan Islam dan Perannya Dalam Peningkatan Daya Saing Sumber Daya Manusia Suminto, Ahmad; Ramdani Harahap, Soritua Ahmad; Zulqurnaini, Ahmad Budi
Invest Journal of Sharia & Economic Law Vol. 1 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (568.206 KB) | DOI: 10.21154/invest.v1i1.2564

Abstract

This study aims to explain the economy from an Islamic perspective: and its role in increasing human resources and the economic development of Islam. This study uses a library research method with a descriptive-analytic qualitative approach, namely explaining and describing the object of research and then analyzing it from the perspective of the Islamic economic system. The results of this study indicate that, First, Islam views the economy as implemented with an attitude towards property ownership, absolute ownership of everything on earth belongs to Allah SWT. Human ownership is only relative, limited to carrying out the mandate of managing and utilizing according to His provisions. The status of assets in Islam is a mandate or deposit (as a truth) from Allah SWT to humans who have the capacity to be His creatures. Meanwhile, from the point of view of monotheism, humans as economic subjects are only limited to trustees. Second, the concept of Islamic economic development demands and makes humans to awaken human nature, namely the birth of a balance between happiness in the world and in the hereafter. This role has implications for the concern for development in Islam itself which emphasizes both physical and metaphysical elements. In addition to physical indicators, Islamic development also pays close attention to moral and spiritual aspects that are not shared by conventional development focus. The concepts of tawhid, khilafah, and 'are inseparable from the foundations of economic development in Islam.  
Optimalisasi Badan Amil Zakat Nasional Dalam Upaya Penyaluran Dana Zakat Melalui Program Sleman Cerdas Terhadap Peningkatan Pendidikan Iqbal, Ahmad; Yusdani, Yusdani; Ramdani Harahap, Soritua Ahmad
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12359

Abstract

Education is one of the Indonesian nation's development sectors to advance society in forming intellectual human resources. It is very important to pay attention to contributions in the field of education, one of which is the use of zakat funds as a solution for children who are less fortunate in terms of education. Even so, it turns out that there are still many people who have not been touched by educational assistance through zakat. This research was conducted in 4 different places, namely at the BAZNAS Sleman Office, SD Negeri Perumnas 3, MTs N 4, and MAN 5 Sleman. The research method used is a qualitative method with a normative juridical and sociological approach. The results of this research are the distribution of zakat funds at BAZNAS Sleman with 5 work programs. The 5 work programs consist of: Productive Sleman, Healthy Sleman, Smart Sleman, Careful Sleman and Taqwa Sleman. Apart from that, BAZNAS Sleman also coordinates with Islamic organizations such as Nahdatul Ulama and Muhammadiyah so that there is no overlap with each other. In particular, the Sleman Pintar program is implemented in coordination with the Education Department and also the Social Service so that it is right on target and helps education to create a superior generation in the future.
Islamic Financial Literacy Analysis of Islamic Economics Students using The Theory of Planned Behavior (TPB): Empirical Studies with SEM-PLS Approach Iqbal ‘Imari; Hartomi Maulana; Ahmad Suminto; Willy Tambayong; Soritua Ahmad Ramdani Harahap
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

Abstract

After the merger, Islamic banks are expected to be able to break the growth of public interest in saving in Islamic banks, because they inherit the good things from each merger bank, namely BNI syariah with its innovations, Mandiri Syariah with its professional system and BRI syariah with a widespread local understanding, in recent years has increased but not much, in this case, it will be seen interest in Islamic banks through students as a benchmark. Seeing that the student's interest in Islamic banking is quite low, so researchers want to see the extent to which Islamic financial literacy in young students is more focused on saving in Islamic banking, so the purpose of this research is to analyze Islamic financial literacy in Islamic economics students. It is located in several universities are especially for students of Islamic economics. This research uses quantitative methods using the Structural Equation Modeling-Partial Least Square (SEM-PLS) tool and uses the Theory of Planned Behavior as a measuring factor. The results of this research were obtained that attitudes, subjective norms, and perceptions of behavioral control had a significant positive effect on students interest in saving in Islamic banks.
Analysis of the Company's Bankruptcy Rate using the Altman Z-Score and Grover Methods on Agricultural Companies Listed on the Indonesia Sharia Stock Index in 2019-2021 Hartomi Maulana; Zaki Rosyadi; Soritua Ahmad Ramdani Harahap
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 2 (2024): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

Abstract

The Covid-19 pandemic hit global stock markets, including Indonesia. As a result, all sectoral indexes experienced a decline in their financial performance, especially the agricultural sector in the Indonesian Sharia Stock Index. This study used quantitative research. The population was obtained from 17 agricultural sector industrial companies registered with ISSI with a sample of 12 companies. The result of this study is that there are differences in score results in each bankruptcy prediction analysis method for 3 periods. The Altman Z-Score method in 2019 predicts 8 companies will be declared bankrupt and 4 companies are declared in good health. In 2020, the Altman Z-Score method predicts that 7 companies will be declared bankrupt and 5 companies will be declared in good health. In 2021, the Altman Z-Score method predicts that 7 companies will be declared bankrupt and 5 companies will be declared in good health. Grover's method in 2019 predicts that 3 companies will be declared bankrupt and 9 companies will be declared in good health. In 2020, Grover's method predicts that 3 companies will be declared bankrupt and 9 companies will be declared in good health. In 2021, Grover's method predicts that no company will be declared bankrupt and 12 companies will be declared in good health. It can be concluded that the Altman Z-Score method is considered optimal in this study to predict bankruptcy rates, assuming aspects of the Altman Z-Score method that highlight the company's profitability so as to affect the deeper accuracy of the company's financial performance.
Umar Bin Abdul Aziz's Role through Zakat to Improve Islamic Public Financial Iqbal, Ahmad; Harahap, Soritua Ahmad Ramdani; Rizqon, Abdul Latif
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 4 No. 2 (2025): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v4i2.4172

Abstract

Purpose: Good zakat management has always been a challenge for zakat institutions. For this reason, the main reference that is often used is to imitate the management of zakat that has been done by Umar bin Abdul Aziz. This study aims to determine the role of public financial management through the zakat instrument applied during the reign of Umar bin Abdul Aziz. Islamic public financial management, especially zakat, aims to achieve the goal of community life, namely prosperity and welfare. Methodology/approach: This research method is a literature-based qualitative research to explore the role of zakat management as Islamic public policy during the time of Umar bin Abdul Aziz. This research takes various references related to the role of Islamic public policy in a structured manner ranging from primary and secondary books and journals that discuss this matter. Results/findings: The conclusion of this research shows that the key to success during the reign of Umar bin Abdul Aziz was the fair and targeted management of zakat. The success carried out by Umar bin Abdul Aziz was by conducting several programs, including integrating the management of zakat by the state, being selective in choosing amil, expanding the object of zakat, and distributing the distribution of zakat funds on target. By doing this, Umar bin Abdul Aziz was able to provide a general picture of being able to manage Islamic public finances so that all levels of society benefited. Conclusion: Zakat is one of the pillars of Islam that must be practiced. Zakat also plays a role in eliminating the gap between the poor and the rich. In addition, zakat also plays a role in reducing the poverty rate in a country. Limitations: In this study, researchers focus on the strategy and management of zakat during the reign of Umar bin Abdul Aziz in managing Islamic public finance to create justice for the entire community. Contribution: This research has a contribution to explain how the management of zakat instruments should be fair and right on target. The potential of zakat is very high but the achievement of zakat fund collection has not been able to be absorbed properly so that the distribution of zakat has not been evenly distributed.
Micro, Small and Medium Enterprises Development in The Post COVID 19 Pandemic: Case Study of MSMEs in Indonesia Maulana, Hartomi; Astuti, Rahma Yudi; Ramdani Harahap, Soritua Ahmad; Ari Anggara, Fajar Surya
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.15294

Abstract

The regulation of the Ministry of Home Affairs No. 15 of 2021 concerning PPKM had an impact on the operational decline of several important economic sectors including food and beverage, transportation, retail and also the tourism sector. No exception, micro, small and medium enterprises (MSMEs) were also affected. As a result, they have significantly decreased performance of their operational. The objective of this study is to analyses current condition of MSMEs operation in the post COVID 19 crises. A quantitative approach was employed in this study. Around 371 MSME owners were selected as sample of this study. Descriptive analysis with SPSS tools was applied as analysis technique. The results show that there is an impact of COVID 19 on the decline in the performance of MSMEs, particularly Micro and Small businesses. There is a decrease in sales turnover and profit, unavailable or expensive raw materials as well as a reduction in staff or workers. The study suggests the need for capital assistance, relaxation of loan installments and increased sales via online to help continuity of their business in facing COVID19 pandemic.
Factors affecting investment decision in Indonesia: Mediating role of intention to invest Maulana, Hartomi; Ulya, Alfina Zein Syarifa; Syahruddin, Syahruddin; Abadi, M. Kurnia Rahman; Hastuti, Ely Windarti; Harahap, Soritua Ahmad Ramdhani
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art6

Abstract

Purpose – This study examines the effects of digital financial literacy and cognitive ability on investment decisions. The study also investigates how the intention to invest mediates the relationship between digital financial literacy, cognitive ability, and Sharia investors’ decisions.Methodology – The methodology used in this study is a quantitative approach with probability sampling techniques of the cluster sampling method. The sample determination was performed using the Slovin formula. As a result, 400 respondents from seven major cities in East Java were obtained. Partial Least Square - Structural Equation Modelling (PLS-SEM) was used as an analysis technique.Findings – The results indicate that digital financial literacy and cognitive ability have a significant effect on investment decisions. Investment intention has been proven to act as a mediating variable linking digital financial literacy and cognitive ability with investment decisions.Implications – It is important for investors to have a good level of digital financial literacy and adequate cognitive abilities to improve investment decision-making. Investment intention is an important factor mediating the influence of both variables on investment decisions.Originality – This study contributes significantly to the comprehension of the factors that influence investment decisions, as well as the contribution of investment intention to the process.
The Maqasid Al-Shariah Model and Its Application in Islamic Banking: An Analysis From Scholars And Academics Perspective Ramdani Harahap, Soritua Ahmad; Maulana, Hartomi; Maemunah, Hayatul; Rahmadani, Muhammad Rizky
El-kahfi | Jurnal Ekonomi Islam Vol 5 No 01 (2024): economics and islamics economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v5i01.229

Abstract

Islamic banking is struggling in maintaining it in the financial industry by adhering to sharia principles. The development of Islamic banking continues to increase, starting from the performance, products, and other services. However, there are some problems in Islamic banking such as the murobahah financing which still supports the approval of Islamic banking and the lack of public understanding of about Islamic finance products. The research method used in this study through a qualitative approach to the form of stages of observation, interviews with practitioners and academics to complete the data and data documentation. To achieve valid results, interviews were conducted using purposive sampling techniques. This research reveals that in general the main purpose of maqāṣid al-sharī‘ah according to the agreement of the scholars is to achieve maslahah. To see the above, the maqāṣid al-sharī‘ah model is one model that can measure the performance of Islamic banking with a conception based on Islamic scholars. The three main points that become aspects of the benchmark are Tahdhib al-Fard (Educating individuals), Iqamah al-`Adl (Establishing justice) and Jalb al-Maslahah (Promoting Welfare).
Optimalisasi Badan Amil Zakat Nasional Dalam Upaya Penyaluran Dana Zakat Melalui Program Sleman Cerdas Terhadap Peningkatan Pendidikan Iqbal, Ahmad; Yusdani, Yusdani; Ramdani Harahap, Soritua Ahmad
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12359

Abstract

Education is one of the Indonesian nation's development sectors to advance society in forming intellectual human resources. It is very important to pay attention to contributions in the field of education, one of which is the use of zakat funds as a solution for children who are less fortunate in terms of education. Even so, it turns out that there are still many people who have not been touched by educational assistance through zakat. This research was conducted in 4 different places, namely at the BAZNAS Sleman Office, SD Negeri Perumnas 3, MTs N 4, and MAN 5 Sleman. The research method used is a qualitative method with a normative juridical and sociological approach. The results of this research are the distribution of zakat funds at BAZNAS Sleman with 5 work programs. The 5 work programs consist of: Productive Sleman, Healthy Sleman, Smart Sleman, Careful Sleman and Taqwa Sleman. Apart from that, BAZNAS Sleman also coordinates with Islamic organizations such as Nahdatul Ulama and Muhammadiyah so that there is no overlap with each other. In particular, the Sleman Pintar program is implemented in coordination with the Education Department and also the Social Service so that it is right on target and helps education to create a superior generation in the future.
Co-Authors Abadi, M. Kurnia Rahman Abda Abda Abdul Latif Rizqon Abdul Thoriq Achmad Arif Achmad Noerkhaerin Putra Ahmad Iqbal Ahmad Suminto Al Farizi, Muhammad Ari Anggara, Fajar Surya Azmi, Muhammad Ulul Baleo Hilal Hasibuan Dadang Irsyamuddin Dadang Irsyamuddin Dadang Irsyamuddin Dhika Amalia Kurniawan Elang Bintang Ely Windarti Hastuti Ely Windarti Hastuti, Ely Windarti Euis Nurkholifah Fajar Surya Ari Anggara Fajar Surya Ari Anggara Fajar Surya Ari Anggara Fajar Surya Ari Anggara, Fajar Surya Ari Fazari Zul Hasmi Kanggas Hartomi Maulana Hartomi Maulana Hartomi Maulana Hartomi Maulana Maulana Hasna Dini Nur Fuady Hayatul Maemunah Imam Haryadi Imam Kamaluddin Iqbal Imari Iza Hanifuddin Kazi Md Tarique Lathiefa Rusli M. Zaenal Abidin Mentari Fazrinnia Fazrinnia Mentari Mentari Fazrinnia Mohammad Ghozali Mohd Thas Thaker, Mohamed Asmy bin Muhammad Qodri Pangestu Muhammad Ridlo Zarkasyi Muhammad Ulul Azmi Muhammad Ulul Azmi Muhammad Ulul Azmi Muhammad Ulul Azmi Muhammad Ulul Azmi Muhammad Ulul Azmi Muhtar, Ali Mutia Asmarani Muwatsiqul Aisy Nur Briyan Nurkholifah, Euis Nusa Dewa Harsoyo Nusa Dewa Harsoyo, Nusa Dewa Rahma Yudi Astuti Rahma Yudi Astuti Rahma Yudi Astuti, Rahma Yudi Rahmadani, Muhammad Rizky Rambe, Sulthon El Hasbi Ridlo, Muhammad Rizky Rahmadani, Rizky Rusyda Afifah Ahmad Setiawan Bin Lahuri Setiawan Bin Lahuri Sulthon El Hasbi Rambe Sulthon Elhasbi Rambe Suminto, Ahmad Suyoto Arief Syahruddin Syahruddin Syamna, Danial Khalid Syamsuri Syamsuri Syamsuri Taufani, Mochammad Kharits Ulya, Alfina Zein Syarifa Willy Tambayong Yayan Firmansah Yusdani Yusdani Zaki Rosyadi Zulqurnaini, Ahmad Budi