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INDONESIA
Jurnal Istiqro'
Published by Institut Agama Islam Darussalam
ISSN : 24600083     EISSN : 25993348     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Social Sciences Other
Arjuna Subject : -
Articles 151 Documents
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Tradisi dan Budaya Simpan Pinjam Perempan Berbasis Mudharabah Pada Jamaah di Kecamatan Tegaldlimo Kabupaten Banyuwangi Sofi Faiqotul Hikmah
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2188

Abstract

This research has three objectives, namely: 1) To analyze how the tradition and culture of Women’s Savings and Loans is implemented in Purwoasri Village, 2) To analyze what the contribution of the Women’s Savings and Loans program is to the economy of the people of Purwoasri Village, and 3) To analyze how Islamic law views this mudharabah-based SPP transaction for pilgrims in the Tegaldlimo District, Banyuwangi Regency. The research method that the author uses is descriptive qualitative. The results of the study show that: 1) The implementation of the Women’s Savings and Loans begins with forming a group, submitting data on the name of the group, survey, submits a fund to BUMDESMA, legality, disbursement, repayment, and payment of fees Women’s Savings and Loans members. 2) The contribution are: As additional business capital, encouraging institutional strengthening, helping to meet consumptive needs, maintaining harmony among congregation members, increasing village income, and reducing poverty and unemployment. 3) Islamic law views the implementation of Women’s Savings and Loans, that Women’s Savings and Loans transactions use an interest system, not profit sharing. The implementation of the Women’s Savings and Loans is not al-Qard, because it is not in accordance with the criteria stated in the DSN Fatwa regarding Qard. SPP has not fully used the mudharabah contract because it is still 73% with the mudharabah contract criteria.
PERILAKU KONSUMTIF K-POP FANS BERDASARKAN TEORI KONSUMSI AL GHAZALI Madaniya, Nadiya El
Jurnal Istiqro Vol. 10 No. 2 (2024): Juli 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i2.2276

Abstract

The Korean wave phenomenon is currently loved worldwide, and teenagers in Indonesia are no exception. So that it causes the level of consumption of k-pop fans to increase, where they cannot distinguish between what is a mere need and want. In Islam, consumption must comply with Islamic law to avoid things prohibited by law. This study aims to find out how the consumption behaviour of k-pop fans is based on al-Ghazali's consumption theory. This study uses a qualitative method with a phenomenological approach, the data collected is in the form of information, comments, opinions or suggestions about the phenomenon of the consumptive behaviour of k-pop fans. The objects studied were respondents who are k-pop fans on social media, and interviews with the closest people who are k-pop fans. The study results show that the consumption behaviour of k-pop fans is not in accordance with al-Ghazali's consumption theory, in which they buy or consume only for desire and satisfaction without regard to needs. Most fans spend their wealth too much without seeing the benefits and functions of these items. But in fact, there is no prohibition if the needs of hajiyyat and dharuriyyat have been met, and there is no element of coercion in buying these goods.
Pengaruh Program Keluarga Harapan Untuk Kesejahteraan Masyarakat Menurut Perspektif Ekonomi Islam Shomadani, M. Haikalus; Masyhuri; Pramujianto
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2410

Abstract

This research aims to find out the program keluarga harapan for the welfare of society in an Islamic economic review, using qualitative research methods and a descriptive approach. The results of this study are that the PKH assistance program has an impact on the welfare of the Karangjati village community, with PKH assistance the community can be assisted in meeting their needs and requirements in education and health, in terms of Islamic economics PKH assistance provides social security through complementarity provided in accordance with the rules that have been made by the Indonesian Ministry of Social Affairs, that the social security provided is health insurance and education insurance, so that PKH beneficiaries directly get this social security.
The ABU HAMID'S APPLICATION OF ISLAMIC ECONOMICS AL-GHAZALI ON THE ROLE OF MONEY IN THE CONTEXT OF THE MURSALAH PROBLEM: ABU HAMID'S APPLICATION OF ISLAMIC ECONOMICS AL-GHAZALI ON THE ROLE OF MONEY IN THE CONTEXT OF THE MURSALAH PROBLEM Dina, Dina Anisya R; Mugiyati, Mugiyati
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2710

Abstract

Abstract: Islamic economics, as an integral part of Islamic teachings, has a firm view on the issue of wealth in general, including money in particular. Within this framework, Islamic economics has a unique perspective on money, explaining the types and functions of money, as well as setting parameters that guide Muslims on permissible and impermissible actions in financial matters. The uniqueness of Imam Al Ghazali's views on economic aspects, both in general and specifically related to money, is an interesting thing to explore and investigate. This research is a library research with a descriptive approach. That is by describing or explaining Abu Hamid Al-Ghazali's thoughts about money in the perspective of maslahah mursalah. The relevance of Imam al-Ghazali's thoughts on Islamic economics in the book Ihya' 'Ulum al-Din to contemporary (conventional) economics has been able to provide a good solution. Based on Islamic law by implementing the concept of maslahah mursalah, including in managing finances properly, producing goods and services according to community needs and conducting muamalah activities in accordance with existing ethics. Islamic economics according to Imam al-Ghazali in its achievement must prioritize the benefit of society. Economic goals should not only be concerned with one side of life alone, but must be balanced between the world and the hereafter
STRATEGI PENGELOLAAN MODAL KERJA DALAM MENJAGA TINGKAT LIKUIDITAS DAN PROFITABILITAS PADA BMT- AL HIDAYAH KABUPATEN LOMBOK TIMUR Ainul Arofah; Zaenudinmansyur; Zulpawati
Jurnal Istiqro Vol. 10 No. 2 (2024): Juli 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i2.2754

Abstract

This research aimed to determine the working capital management  in maintaining liquidity and profitability levels and how the impact of the policy which has been implemented. This research was descriptive 0qualitative research using primary and secondary data, with data collection techniques namely observation, interviews and documentation of the financial reports from 2019 to 2021. The analysis used was data reduction, data presentation, drawing conclusions, and financial report analysis used the calculation of liquidity and profitability ratios.The results of the research showed that the working capital management policy used by BMT AI-Hidayah in maintaining the level of liquidity, namely establishing partnerships with sharia banks and non-banks, setting cash budgets, and allocating the funds to branch offices, while the policy used by BMT in maintaining its profitability level was distribution in the funding form. The impact of the policy implemented by BMT in terms of liquidity, namely having sufficient funds in its operations to pay the obligations. It can be seen in the ratio calculation from 2019 to 2021. NWC, current ratio, cash ratio  are in a fairly good category. the impact on the profitability side was that BMT has increased revenue and this can be seen in the ROE calcultion which is in the very good category,  while the ROI calcultion is in the fairly good category.
THE EMPOWERMENT STRATEGIES OF VILLAGE-OWNED ENTERPRISES (BUMDES) TOWARDS SUSTAINABLE DEVELOPMENT IN KIRIG VILLAGE Ali Fahmi, Noor; Ghofur Wibowo, Muhammad
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

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

Abstract

BUMDes is a village-owned enterprise managed by the local community that aims to manage village potential so as to develop the village economy and increase village income sources. BUMDes of Kirig village is relatively new so there is still a need for efforts from the government and village officials to highlight the potential of the village. This research uses SWOT analysis tools with the aim of seeing the potential of Kirig village, so that it can map what opportunities and challenges the BUMDes will face. This research also uses canva business model analysis with the aim of mapping the aspects that must be considered by BUMDes in running a business. Based on the results of the SWOT model analysis and the canva business model, it is found that the BUMDes of Kirig village is still new so that there is no maximum result and it is found that there is no participation from the community so that the BUMDes has not maximized employment and has not been able to prosper the community.
PENGARUH FINANCIAL LITERACY DAN INVESTMENT PLATFORM TERHADAP MINAT BERINVETASI PADA PASAR MODAL SYARIAH (Studi Generasi Millenial Kota Parepare): (Studi Generasi Millenial Kota Parepare) Wardana, Wisnu; Suarning, Suarning; Kamal Zubair, Muhammad; Semaun, Syahriyah; Muliati, Muliati
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2824

Abstract

Investment is a component that is used as a standard for measuring economic growth in a country. The high and low level of investment in a country will greatly affect the cycle and economic activity in the country. One of the investment instruments that is increasingly in demand by the public today is the capital market, including the Islamic capital market. This is based on the phenomenon of increasing the number of investors in the Islamic capital market, especially during the Covid-19 pandemic which is dominated by millennials and z generations. The increase in the number of millennial generation investors is supported by increasing awareness of financial literacy. Another supporting factor is the development of technology and information systems that make it easier to invest in investment platforms that can be accessed on gadgets. So the purpose of this study is to provide an overview of the interest of the millennial generation of Parepare City to invest in the Islamic capital market. The influencing factors are financial literacy and investment platform as independent variables and investment interest in the Islamic capital market as a dependent variable. The research method uses quantitative descriptive research with the type of Field Research research (field research). The population in this study is the millennial generation of Parepare City, with a sample of 100 people. Based on the results of data analysis, financial literacy variables positively affect the interest of the millennial generation to invest in the capital market. The investment platform variable has a positive effect on the millennial generation's interest in investing in the Islamic capital market.
Pengaruh Pengaruh Kualitas Produk Dan Harga Terhadap Minat Beli Ulang Konsumen Smartphone Xiaomi Di Kota Bandung Anjellia, Raden Roro Dewita; Herawati, Siti
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2825

Abstract

The purpose of this study is to analyze the effect of product quality and price on the repurchase interest of Xiaomi Smartphone consumers in Bandung City. In this study, the author used a quantitative approach. Determination of samples in the study using purposive sampling techniques which included nonprobability sampling involving 90 respondents. Primary data is obtained from questionnaires by sharing them online. This questionnaire has been tested for validity & reliability. The data have also passed the classical assumption test and meet the requirements for multiple regression tests to generate hypotheses. The results of this study state that product quality has a positive and significant effect on the repurchase interest of Xiaomi Smartphone consumers in Bandung City, price has a positive and significant effect on the repurchase interest of Xiaomi Smartphone consumers in Bandung City , product quality and price have a positive and significant effect simultaneously on the repurchase interest of Xiaomi Smartphone consumers in Bandung City .
PENGARUH PENGGUNAAN QRIS TERHADAP PERILAKU KONSUMSI MAKANAN GENERASI Z : ANALISIS THEORY OF PLANNED BEHAVIOR (TPB) Safitri, Junaidi
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2827

Abstract

This research aims to analyze the use of the Indonesian Standard Quick Response Code (hereinafter referred to as QRIS) on the food consumption behavior of Gen-Z in Sleman Regency from an Islamic economic perspective. Researchers use theory from the Theory of Planned Behavior (TPB). This research is quantitative, both partially and simultaneously. The sample in this study was 91 respondents from generation Z users of the QRIS application. Data was collected using a non-probability sampling method with the sampling technique used was purposive sampling by distributing questionnaires online using G-From. The research results show that partially the attitude variable has no significant effect on the use of QRIS with a significance level of 0.414 > 0.05 and a calculated t value of 0.820 < 1.987. The subjective norm variable has a significant effect on the use of QRIS with a significance level of 0.000 < 0.05 and a calculated t value of 4,118 > 1,987. Behavioral control variables have a significant effect on the use of QRIS with a significance level of 0.000 < 0.05 and a calculated t value of 4,248 > 1,987. Simultaneously, the influence of attitudes, subjective norms and behavioral control on the use of QRIS in food consumption in Gen-Z is shown by a determinant coefficient of 0.499 or 49.9%, meaning that the variables of attitude, subjective norms and behavioral control simultaneously have an influence on the use of QRIS in consumption behavior. Gen-Z food.
IMPLEMENTASI PERATURAN WALIKOTA PAREPARE NO. 7 TAHUN 2018 TENTANG EFEKTIVITAS AKUNTABILITAS PENGELOLAAN ZAKAT DI BAZNAS PAREPARE Sarmila, Sarmila; Mahsyar, Mahsyar; Muliati, Muliati; Semaun, Syahriyah; Musyarif, Musyarif
Jurnal Istiqro Vol. 10 No. 2 (2024): Juli 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i2.2832

Abstract

This thesis discusses the implementation of Parepare City Regulation No. 7 of 2018 regarding the effectiveness of accountability in zakat management at BAZNAS Parepare. The purpose of this research is to determine the implementation of Mayor Regulation No. 7 of 2018 on the effectiveness and accountability of zakat management at the National Amil Zakat Agency (BAZNAS) in Parepare City. The research method used is qualitative research with a field research design. The number of informants in this study was 3 people from BAZNAS, and the data collection techniques included observation, interviews, and documentation. Data analysis employed data reduction, presentation, and conclusion drawing. The results of this research indicate that: 1) The implementation of Mayor Regulation No. 7 of 2018 on zakat management at BAZNAS Parepare has been carried out well in accordance with legal provisions for zakat management. BAZNAS has demonstrated commitment to accountability and transparency by integrating open reporting mechanisms that are easily accessible and comply with Sharia principles. 2) The effectiveness of zakat management at BAZNAS Parepare shows effective management, as evidenced by an open and easily accessible reporting system for the public, and BAZNAS's ability to ensure that zakat funds are distributed appropriately in accordance with Sharia principles and community needs. 3) Accountability in zakat management at BAZNAS Parepare indicates that BAZNAS Parepare has shown a high level of accountability in zakat management. The independent audit process validates BAZNAS's performance in ensuring compliance with accounting standards and Sharia provisions, demonstrating BAZNAS's seriousness in maintaining transparency and integrity, and making zakat management responsive to community needs

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