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Analisis Kinerja Keuangan Perbankan Syariah dan Konvensional Sebelum dan Sesudah Covid-19 di Indonesia Periode 2016-2023 Muhammad, Auzia Hilmy
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 1 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i1.2759

Abstract: The impact of Covid-19 includes slowing financing growth and increasing financing problems because many people have lost their source of income. This research aims to find out whether there are differences in the financial performance of Sharia and conventional banks between before and after the Covid-19 pandemic. The samples taken were some Sharia and conventional banks that publish annual financial report data from 2016 to 2023. The number of samples in this research was 5 conventional banks and 5 sharia banks. Testing methods and data analysis using Eviews. The results of this research show that a comparison of financial performance between conventional and sharia banking before the COVID-19 pandemic shows that there is no significant difference in financial performance based on CAR, NPL/NPF and ROA ratios in sharia banking. However, there are significant differences in financial performance based on BOPO and FDR/LDR ratios in Islamic banking. The financial performance of conventional banks showed a decline after the COVID-19 pandemic based on the CAR, NPL/NPF, ROA and BOPO ratios, while the FDR/LDR ratio showed an increase. Meanwhile, the financial performance of conventional banks is worse compared to sharia banks after the Covid-19 pandemic based on CAR, NPL/NPF and BOPO, but better based on ROA and FDR/LDR.

Jual Beli Pakaian Bekas (Thrift) Perspektif Ekonomi Islam: Studi Kasus Di Raskin Second Store Gresik Tamam, Ahmad Badrut
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 1 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i1.2760

This research describes the mechanism for buying and selling used clothes at the Raskin Second Store and how the buying and selling of used clothes is done from an Islamic Economics perspective. The results of this research show that the mechanism for buying and selling used clothes includes: stock procurement, sorting process, cleaning, photographing, giving away. prices, displays and buying and selling transactions with customers. In buying and selling used clothes, Raskin Second Store has implemented several Islamic economic principles, namely monotheism, morals, justice, balance and freedom.

Pengelolaan Program Koin Nahdlatul Ulama Untuk Kesejahteraan Masyarakat Shofiyah; Fendy, Izmet Muhammad
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 1 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i1.2761

To find out the management of the NU coin program at LAZISNU Ranting for the welfare of the community and to find out the obstacles and solutions for managing the NU coin program at LAZISNU Ranting Drajat, is the aim of this research. This research uses descriptive qualitative research methods, with a case study type, data collection using interview, observation and documentation methods. Meanwhile, to prove the validity of the data using data triangulation, data sources and analysis techniques are used with the steps of data correction, data reduction, data presentation and drawing conclusions. The results of this research show that (1) The management of the NU coin program at LAZISNU Ranting Drajat has implemented management functions, namely planning, organizing, mobilizing and supervising. Planning includes short-term planning, medium-term planning, and long-term planning. Organizing forms administrators and determines their respective tasks and functions, mobilization which includes guidance, coordination, motivation, communication and supervision, including supervision in the collection, distribution and finance sections. The management of the NU coin program is also able to improve the welfare of the community, namely prosperity both in terms of physical, mental and spiritual aspects. (2) the management's obstacles in managing the NU coin program were that the administrator was not present at the time of collecting the cans and counting time, distribution was not on time, and members of the cans did not fill the cans. The management is inactive, and financial reporting is not yet good. The solution is to remind the management before it is time to collect the coin cans and counting time, invite other administrators who can, socialize and motivate the can members, replace the management with other people, and plan to collaborate with institutions to improve the quality of administration and finances.

Analisis Produksi dalam Sistem Ekonomi Islam: Prinsip, Praktik, dan Implikasinya terhadap Kesejahteraan Umat Choerunnisa, Alivia; Aisyul Hana, Ubaid; Sa’idatuurrohmah, Nur
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 1 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i1.2788

This research aims to analyze production in the Islamic economic system with a focus on principles, practices and empowerment towards the welfare of the people. Islamic economics, which is based on sharia, offers a unique approach to production that is different from conventional economic systems. This study examines the basic principles of Islamic economics such as justice, balance and social responsibility, as well as how these principles are applied in production practices. Through a qualitative approach and literature analysis, this research finds that production in an Islamic economy does not only focus on material profits, but also considers moral and social aspects. The research results show that the application of Islamic economic principles in production can improve the welfare of the people through fairer distribution, reduce poverty, and create more ethical employment opportunities. In addition, this research identifies challenges faced in implementing the Islamic economic system, such as a lack of understanding and regulatory support. In conclusion, production in an Islamic economic system has great potential to improve the welfare of the people if implemented well, and further research is needed to overcome existing challenges and optimize the application of sharia principles in a modern economic context.

Strategi Repositioning Bisnis Multi-Level Marketing Syariah dalam Menghilangkan Stigma Praktik Money Game Ghofur, Abdul; Sulistyowati
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 2 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i2.3065

The purpose of this study is to analyze the differences between multi-level marketing (MLM) businesses and money games. This analysis is considered necessary due to the negative stigma in society that equates the MLM system with money games. The study also analyzes how MLM businesses can reposition themselves to eliminate this negative stigma. This research uses the Library Research method, which involves utilizing existing materials or data sources such as books, articles, scientific journals, reports, archives, and other documents available in libraries or other literature sources. The differences between Sharia-compliant MLM businesses and money games can be seen from several perspectives, including legal foundations and principles, sources of income, structure and sustainability, legality, and the risks for members. Steps to restore the positive image of MLM businesses can be taken through several measures, such as: engaging Public Relations (PR) to collaborate with parties who recommend that MLM businesses are haram, having stakeholders clarify to the public that there is a distinction between MLM businesses and money games, terminating employees found to be involved in money game practices, and changing the company's name and leadership if the company has already acquired a negative image.

Urgensi Marketing Public Relations (MPR) dalam Membangun Brand Awareness di Era Digital Mudawamah, Dewi; Sulistyowati
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 2 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i2.3132

The purpose of this study is to analyze the differences between multi-level marketing (MLM) businesses and money games. This analysis is considered necessary due to the negative stigma in society that equates the MLM system with money games. The study also analyzes how MLM businesses can reposition themselves to eliminate this negative stigma. This research uses the Library Research method, which involves utilizing existing materials or data sources such as books, articles, scientific journals, reports, archives, and other documents available in libraries or other literature sources. The differences between Sharia-compliant MLM businesses and money games can be seen from several perspectives, including legal foundations and principles, sources of income, structure and sustainability, legality, and the risks for members. Steps to restore the positive image of MLM businesses can be taken through several measures, such as: engaging Public Relations (PR) to collaborate with parties who recommend that MLM businesses are haram, having stakeholders clarify to the public that there is a distinction between MLM businesses and money games, terminating employees found to be involved in money game practices, and changing the company's name and leadership if the company has already acquired a negative image.

Analisis Stabilitas Perbankan Syariah dan Perbankan Konvensional di Indonesia Tahun 2008-2020 Akhmad Taufiq Satrio Wibowo
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 2 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i2.3221

Banking stability is a crucial problem in the current economy, especially after the Asian economic crisis in 1997 and the global crisis in 2008. This research aims to analyze the stability of Islamic banking by including macroeconomic variables in the form of the BI rate, inflation, exchange rate. tariffs and GDP as variables. its independence. Several previous studies applied NPF/NPL which measures credit risk ratios to test bank stability. Current research uses Z-Score to test bank stability. This research aims to find out whether there are differences in the financial performance of Islamic and conventional banks from 2008 to 2020. Testing and data analysis methods use Eviews. The results of this research show that banking stability, both conventional and sharia, is a vital aspect in maintaining the integrity of a country's financial system. Z-score as an indicator provides a comprehensive picture of a bank's stability by considering internal and external risks. In the context of this research, the finding that the BI Rate has a negative impact on the stability of conventional banks highlights the importance of monetary policy in managing interest rates to maintain the health of the banking sector. On the other hand, the negative impact of inflation on the stability of conventional and sharia banks emphasizes the need to control inflation to prevent disruption to banking performance.

Implementasi Manajemen Fundrising Dan Distribusi Dana NU Care LAZISNU Ranting Tunggul Paciran Lamongan Ahmad Badrut Tamam; Laila Alfun Nada
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 2 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i2.3222

This research aims to find out how the management of fund raising and distribution of coin funds at NU CARE LAZISNU Ranting Tunggul Paciran Lamongan. The results of the research show that fundraising is carried out through the formation of coordinators in each region, there are cans distributed in each resident's house, each administrator has duties and responsibilities, fundraising is carried out door to door, information about collecting funds is online and offline. The distribution of the proceeds from the funds collected is still invested within the scope of NU and is focused on the Tunggul Village community, including annual activities to provide compensation for orphans during the month of Ramadan, educational scholarships, compensation for orphans and grief compensation.

Digitalisasi Toko Kelontong Melalui Program Ayo SRC dalam Perspektif Ekonomi Islam: Studi Kasus Toko SRC (Sampurna Retail Community) Kecamatan Paciran Shofiyah; Nafilah Shobibatur Rohmah
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 2 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i2.3224

This research aims to describe the management of the utilization of the Ayo SRC program application at SRC shops in Paciran sub-district as well as management and utilization from an Islamic Economics perspective. This research uses qualitative descriptive research with a case study type. Data collection was carried out using interviews, observation and documentation methods. To prove the validity of the data using triangulation. The data sources and analysis techniques used are data reduction steps, data presentation and drawing conclusions. The research results show that the management of the use of the Ayo SRC program application is in accordance with the management of retail store management, including the strategy for setting prices and store profits. The SRC shop is also digitizing so that it can keep up with current developments in various aspects. From an Islamic perspective, it is also in accordance with Islamic principles by not committing acts of maisir, gharar, dzalim, iktikar, usury. Meanwhile, the contract used in the MY AYO application uses a greeting contract, namely the buyer pays first and then the goods will be delivered by the seller to the consumers.

Fenomena Investasi Syariah Di Era Digital Sifwatir Rif’ah
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 2 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i2.3225

Sharia investment in the era of globalization provides profitable investment prospects as well as benefits for financial inclusion and sustainable economic development. The purpose of this study is to determine Sharia investment and its impact on digital life. The research method used is qualitative research with a data collection method of literature study, then analyzed using a descriptive analysis method. Furthermore, information from the literature study will be integrated with the research theoretical framework to help understand the complex relationship between technology and sharia investment. The results of this study are that many sharia investment instruments have been systematically followed the digitalization era. Able to create a positive impact in the financial world, increase accessibility, efficiency, and transparency. It is hoped that the sharia financial industry in Indonesia can continue to grow and provide broader benefits for the Muslim community in investing in accordance with sharia principles.

Home Page

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Editorial Team

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Reviewer

Google Scholar

Contact Name
Eny Latifah

Contact Email
eni.lathifah@gmail.com

Phone
+6285733553883

Journal Mail Official
almusthofa@iai-tabah.ac.id

Editorial Address
Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Tarbiyatut Tholabah Jl. Deandles No.1 Kranji, Paciran, Lamongan 62264 Jawa Timur

Location
Unknown,

Unknown

INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Eny Latifah

Contact Email eni.lathifah@gmail.com

Phone +6285733553883

Journal Mail Official almusthofa@iai-tabah.ac.id

Editorial Address Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Tarbiyatut Tholabah Jl. Deandles No.1 Kranji, Paciran, Lamongan 62264 Jawa Timur

Location Unknown, Unknown INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Eny Latifah

Contact Email
eni.lathifah@gmail.com

Phone
+6285733553883

Journal Mail Official
almusthofa@iai-tabah.ac.id

Editorial Address
Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Tarbiyatut Tholabah Jl. Deandles No.1 Kranji, Paciran, Lamongan 62264 Jawa Timur

Location
Unknown,

Unknown

INDONESIA