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ILTIZAM Journal of Sharia Economic Research
Published by Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
ISSN : 25982222     EISSN : 25982540     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Iltizam Journal of Shariah Economic Research E-ISSN:2598-2540 P-ISSN:2598-2222 is the journal that publishing the research result in the area of sharia economic, namely sharia banking and financing, micro and macro economy, and the issues of regional development that studied by sharia economic perspective. Iltizam cordially invites the academician, researchers, and others to submit their research article that in line with our focus and scope.
Arjuna Subject : -
Articles 176 Documents
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Development of an Environmental Insurance Program based on Islamic Values in the Palm Oil Industry in Indonesia for Community Welfare Arif Darmawan; Dwi Ahmadi
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

Economic development is synonymous with growth rates where the relationship between development and environmental sustainability is very clear. Indonesia is blessed by Allah SWT with abundant natural resources. One of Indonesia's potentials is palm oil or CPO (Crude Palm Oil). The CPO industry is one of the biggest contributors to Indonesia's foreign exchange. Palm oil can contribute around 13.50 % to non-oil and gas exports and about 3.50% to Indonesia's Gross Domestic Product (GDP). Until the end of 2020, the export value of CPO in Indonesia reached 27,326.1 tons from various destination countries. However, in the midst of this perspective industrial climate, environmental issues surrounding the CPO industry continue to be voiced from various circles. As a result of such a large demand, it has an impact on land clearing for oil palm production. Real action from the government and palm oil companies is urgently needed to overcome this. Synergy is needed between the government through its policies and the role of oil palm companies through production mechanisms and programs that support the environment, such as the implementation of environmental insurance programs. The environmental insurance program has two insurance policy applications, namely, Polluter Pay Principle and Instrument Cess. However, this environmental insurance program has not been implemented with the right system. Therefore, the actualization of Islamic values is expected to help optimize the program.
The Influence of Perception and Service on the Satisfaction Level of Pawn Gold Customers at the Handil Jaya Pegadaian Syariah Main Branch Office Rohana; Rofiqoh Ferawati; Khusnul Istiqomah
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

This study focuses on the perception and service of Sharia Pawnshops on the level of satisfaction of Sharia Pegadaian customers. Aims to find out how big the influence of perceptions and services on the level of customer satisfaction.(1) In this study, researchers used a sample of 100 people in the city of Jambi. Researchers with a questionnaire method filled out by each sample voluntarily. In this study, researchers used the SPSS version 16 application for windows 10. (2)The following results were obtained. There is a significant influence between the perception factor (X1) on the level of satisfaction (Y) of 18.5%. And the effect of service (X2) on the satisfaction level of 80.1%. The most influential factor on satisfaction is service. (3) Five factors that affect customer satisfaction, namely, product quality, service quality, emotional and price. Then it can be concluded that perceptions and services affect the satisfaction level of pawn gold customers at the main branch office of the Handil Jaya Pegadaian Syariah.
Penerapan Digital Marketing dalam Upaya Peningkatan Pendapatan Usaha Mirko Kecil dan Menengah Jasri -; Nadia Arfan; Hasanuddin; Hurriah Ali Hasan
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

The use of the internet every day has increased. This is something that must be realized by micro, small and medium enterprises (MSMEs). One of the marketing media that is currently in great demand by SMEs to support sales promotions is digital marketing. This progress is considered very useful as a business marketing strategy that is also carried out by MSMEs. The use of E-business, E-commerce, social media, social chat and even advertising really supports MSMEs in promotion, marketing and sales. The purpose of this study is to identify the business income obtained by MSMEs in Makassar City after using digital marketing. This research method uses a quantitative approach, where data collection is done by distributing questionnaires through google form. The data was processed using the SPSS 22 application. The results of this study found that digital marketing significantly affects the income of MSME actors in Makassar City. This finding illustrates to micro, small and medium enterprises (MSMEs) that the use of digital media is very effective in running a business.
Model Sinergistas Lembaga Pegadaian Syariah dan Perguruan Tinggi Dalam Membentuk SDM Unggul Berbasis Syariah Muhamad Iqbal; Muhamad Rahman Bayumi; Faisal Muttaqin; Muhamad Junestrada Diem
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

Sharia Pawnshop has transformed into one of the strengths of Islamic financial institutions whose existence is quite taken into account. The characteristics of sharia pawns that are solutive for the lower middle class are a strong factor in its progress from year to year. In line with that, the existence of Islamic economics and finance-based study programs in all PTKIN and even most PTN, brings new hope of producing superior sharia-based human resources. A hope that is just waiting for the momentum to make Indonesia a country of Islamic Economic Civilization in the world. Various efforts have been made to produce excellent students who will compete in the world of work, especially in Islamic financial institutions. However, the problem is that there is no relevance between the world of work and the basic knowledge of Islamic economics and finance that is owned, which is an irony and injures the spirit of printing sharia-based superior human resources. Many alumni work in conventional financial institutions, on the other hand, Islamic financial institutions lack sharia-based human resources. This study aims to describe the concept of human resource development in universities that are integrated with Islamic financial institutions, especially Sharia Pawnshop. There are three concrete steps that can be implemented through the integration-interconnection approach, namely the development of thematic courses, strengthening the role of laboratories, and optimizing field work practices for students. By providing an overview and analysis of the strengthening, it is hoped that it can contribute to the formation of superior sharia-based human resources.
Upaya Pemerintah Mengurangi Kemiskinan Dengan Program Bedah Rumah di Kota Jambi Jevi Saputra
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

This study aims to find out how the government is alleviating poverty in Indonesia through various methods that.are continuously used to reduce poverty, one of which is the provision of various.social.assistance.to.the community.through.a.house.renovation.program. in. renovationi the. house Program.is. an .activity. carried.out in the context.of. renovating uninhabitable houses, namely residential buildings that.do not meet sanitation, safety and social requirements. The purpose.of this study is to analyze: 1) the welfare of the community.after.receiving housing repair assistance. 2) The house renovation program has an impact on reducing poverty in the city of Jambi. This study uses a qualitative approach using the qualitative data analysis method of the Miles and Huberman model. The data used is primary data with data collection methods through interviews, observation and document studies. Respondents who were interviewed were interviewed using the purposeful sampling method. The results of this study indicate that; (1) home renovation reduces the number of poor people, (2) home renovation effectively increases wealth.
Problematika Penerapan Accrual Accounting Pada Lembaga Keuangan Syariah Elyanti Rosmanidar; Youdhi Prayogo
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

Today, there is much debate about the basic assumptions that should be used in the financial statements of Islamic entities, namely the accrual basis and cash basis. This study will reveal that the accrual basis which is widely applied in the preparation of financial statements turns out to have many gaps to manipulate data, so that it will cause earnings management to arise. The unpopular cash basis applied in the preparation of financial reports is more able to reveal real conditions, income and expenses. This study also discusses the reasons for using the accrual basis in the framework for preparing and presenting Islamic financial statements based on PSAK 101 whereby Islamic entities must prepare financial statements on an accrual basis. This research will also show the many problems that arise in the application of accrual accounting in Islamic financial institutions today.
Determinants Of Waqf Interest In Jakarta Al-Azhar Waqf Institution MH. Ainulyaqin; Adrianna S.R; Done A.M.P
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

This study aims to determine the influence of social stratification and religiosity on the interests of waqf donation in waqf institutions. Determination of samples using purposive sampling method so that the number of samples obtained 100 waqif Wakaf Al Azhar in 2021. The analysis techniques used are ttest, Ftest, determination coefficient (R2), and multiple regression test. Data processing in this study using IBM SPSS Statistics 25. The results of the Ttest showed that income variables did not have a positive and significant influence on the interest of waqf donation, work variables did not have a positive and significant influence on the interest of waqf donation, educational variables did not have a positive and significant influence on the interest of waqf donation, and religious variables had a positive and significant influence on the interest of waqf donation. Ftest's test results show that income, employment, education, and religiosity together affect the interest in donating waqf. While the result of the coefficient of determination (R2) of 0.427 means that the contribution of independent variables (income, employment, education, and religiosity) affects the variable dependent (waqf interest) by 42.7% while the remaining 57.3% is influenced by other variables outside the research model.
Analisis Tingkat Kesehatan Bank Dengan Metode CAMEL Pada Laporan Keuangan PT. BPRS LT Nur Safira Aulia Nurul Mahmudah; Abdurrahman Faris Indriya Himawan; Anita Akhirruddin
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

Existence in banking as a fund-raising institution in the community has increased, marked by an increase in the distribution of public funds towards the banking sector. This increase also increases the risks faced by banks. Based on this, it is important for banks to implement prudential banking to maintain their health. Measuring the soundness level of a bank has been regulated based on Bank Indonesia regulations by issuing SK No. 30/11/KEP/DIR April 30, 1997 concerning procedures for assessing the soundness of a bank which contains aspects of research objectives are banking. Financial performance can be reviewed and assessed using the CAMEL approach, which is a method that includes Capital, Asset Quality Assets, Management, Equity, Liquidity. This research was conducted with the aim of assessing financial performance. While the method used in this research is descriptive qualitative.Keywords: bank, bank health, financial statements, CAMEL
Pengaruh Value Added Capital Employed, Value Added Human Capital, dan Structural Capital Value Added Terhadap Return On Assets (ROA) pada Bank Umum Syariah di Indonesia periode 2016-2020 Rena Vidia Hodijah; Iwan Setiawan; Ramadhani Irma Tripalupi
ILTIZAM Journal of Shariah Economics Research Vol. 7 No. 1 (2023): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

The purpose of this study is to determine and analyze the effect of 1)VACA to ROA 2) VAHU to ROA 3) STVA to ROA based on PSAK 19 on Islamic banks in Indonesia. The independent variables in this study are Value Added Capital Employed (VACA) (X1), Value Added Human Capital (VAHU) (X2), and and Structural Capital Value Added (STVA) (X3) and the dependent variable in this study is Return On Assets (ROA) (Y). The method in this study is a quantitative method and uses a descriptive approach. Conducted statistical tests including descriptive analysis, multiple linear analysis, classical assumption test, hypothesis testing consisting of T test and F test and determination analysis. The results in this study according to the T test or partial test stated that 1) VACA (X1) had a positive effect on ROA, 2) VAHU (X2) had a negative effect on ROA, 3) STVA (X3) had a negative effect on ROA. 4) based on the results of the analysis of the F test or simultaneous test, it is stated that VACA (X1), VAHU (X2), STVA (X3) have a positive effect on return on assets (ROA)
The Impact of Rubber Sap Price Fluctuations on The Welfare of Rubber Farmers From Islamic Economics Perspective Dewi Sinta Ritonga; Ahmad Tarmizi; Dessy Anggraini
ILTIZAM Journal of Shariah Economics Research Vol. 7 No. 1 (2023): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

This study aims to find out how the impact of rubber latex price fluctuations on the economic welfare of rubber farmers and to find out how the Islamic economic view is about the impact of rubber latex price fluctuations on the economic welfare of rubber farmers in Sampean Village, Sungai Kanan District, South Labuhanbatu Regency. In this study a qualitative approach and the type of research approach used is descriptive, data collection method by conducting observations, interviews, and documentation. The sample technique used was non-random sampling and purposive sampling was used to determine the sample. Respondents in this study were rubber farmers. The results of this study indicate that, when there are fluctuations in the price of rubber sap, the income and economy of the community are unstable, difficulties in meeting basic needs for clothing, shelter and food, difficulties in meeting primary, secondary and tertiary needs, such as the need for children's education are hampered, difficulties to provide proper place facilities, as well as poor health because at an old age they are still working so that the level of welfare of the rubber farming community decreases. The rubber farming community earns income in accordance with the sharia economic review, which is obtained by a lawful business and this is done solely for the welfare of their lives. If viewed from Islamic principles, the rubber farming community can be said to be prosperous because they can still eat and not starve, and have a place to live. Therefore, if they are based on gratitude then they will feel well-being.   Keywords: Fluctuations, Prices and Welfare.

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