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At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam
Published by Institut Agama Islam Negeri Padangsidimpuan
ISSN : 2356492X     EISSN : 25499270     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
FOCUS This journal focused on Islamic Management and Business studies and contemporary developments through the publication of articles by research. SCOPE At-tijaroh specializes in Islamic Management and Business studies and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines
Arjuna Subject : -
Articles 194 Documents
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CUSTOMER PREFERENCE TO SYARIAH CARD Ihdi Aini
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3172

Abstract

The purpose of this study was to aimed at determining factors that influence customer preferences in using Sharia Card/iB Hasanah Card of BNI Syariah of the City of Padang by analyzing seven variables, namely sharia and attitudes toward fatwas, brands, features and facilities, services, contracts, fees, and fines. This study, using a qualitative approach. Data collection was done employing structured interview technique by using research instruments in the form of questionnaires. The number of samples taken was 50 customers who used Syariah Card/iB Hasanah Card. To analyze data, Factor Analysis was performed in which the collected data were processed using IBM SPSS Statistics 21. The results showed that of the seven variables that were analyzed, there were four (4) factors that formed and influenced the customer preferences in using Sharia Card/iB Hasanah Card of BNI Syariah of the City of Padang, namely, First: Religious and Rational Factors; factors that are formed from variables‘Contract’ and ‘Cost’ with five statement items. Second: Social Factors; factors that are formed from variables ‘Service’ and ‘Fines’ with five statement items. Third, Psychological factors; factors formed from variables‘Sharia’,‘attitudes toward fatwas’, and ‘Brand’ with four statement items. Fourth: Product Factors; factors that are formed from variables ‘Feature’ and ‘Facility’ with two statement items.
ISLAMIC WEALTH MANAGEMENT DURING THE COVID-19 PANDEMIC Utari Evy Cahyani; Rizal Ma'ruf Amidy Siregar; Rodame Monitorir Napitupulu
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3084

Abstract

The coronavirus disease (COVID-19) pandemic has severe health effects and serious implications for economic. This research is a conceptual article that describes concepts and principles of Islamic wealth management (IWM), Islamic financial planning practice during Covid-19 pandemic, and Islamic social finance for reducing the pandemic effect. There are five stages in IWM that is wealth accumulation, wealth consumption, wealth purification, wealth distribution, and wealth protection. Wealth distribution such as alms, grant, and waqf are important in reducing social and economic impacts due to a pandemic. The existence of Islamic social financial institutions becomes very important to manage that fund. In other hand, practicing Islamic financial planning in household level can mitigate potential poverty in the crisis period. The financial planning manage the provision given by Allah as well which is beneficial for the life of the world and for the afterlife.
FACTORS AFFECTING MUDHARABAH FINANCING IN ISLAMIC BANKS IN INDONESIA Muhamad Agung Japalsyah; Mohamad Zulman Hakim
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 2 (2021): DESEMBER 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i2.4363

Abstract

Abstract            The purpose of this study is to determine the factors that influence mudharabah financing in Islamic commercial banks in Indonesia. The research time period used is 4 years, namely the 2016-2019 period.The population of this study includes Islamic commercial banks registered with the Otoritas Jasa Keuangan (OJK) for the period 2016-2019. The sampling technique was using purposive sampling technique. Based on the predetermined criteria, 10 Islamic commercial banks were obtained. The type of data used is secondary data obtained from the sites of each Islamic commercial bank. The analysis method used is panel data regression analysis.From this research, it shows that Third Party Funds (TPF) have a positive effect on Mudharabah Financing, Capital Adequacy Ratio (CAR) has no effect on Mudharabah Financing, Net Performing Financing (NPF) has no effect on Mudharabah Financing and the Financing to Deposit Ratio (FDR) has no effect. against Mudharabah financing.
PEMETAAN INDUSTRI KREATIF DI KOTA CIREBON (PROSPEK DAN TANTANGANNYA DALAM UPAYA PENINGKATAN EKONOMI MASYARAKAT) Wartoyo Wartoyo; Nur Haida
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 6, No 2 (2020): DESEMBER 2020
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v6i2.2501

Abstract

AbstractThe development of the economy and creative industry is developing so rapidly, that the Indonesian government encourages all regions to develop the creative economy to boost the local economy, one of which is to form a special body that manages and manages the creative economy from the central to the regional level, namely the Creative Economy Agency or BEKRAF. Cirebon City has a very strategic geographical location because it is located in the path of the crossing of goods and services through the north coast (pantura) which connects the western region which is the center of national economic circulation. This study uses a survey method with a qualitative approach and descriptive analysis. The results of this study indicate that the culinary sub-sector is the largest sub-sector of the other types of creative economy in the city of Cirebon with a percentage reaching 42%, followed by the Fashion economy 15%, Craft Economy, Architecture and Visual Design respectively by 12%. whereas for the most creative economy actors, the District Prosecutor's Office reached 45.8%, followed by Harjamukti District 37%, Pekalipan District 25%, Kesambi District 10.7% and Lemahwutut District 6%. From these data, the culinary economy, Fashion and Craft can be used as a superior subsector for the City of Cirebon, while the District Prosecutors and District Kesambi can be used as a creative economic center in the city of Cirebon. The potential to make the Creative economy as one of the sectors boosting the local economy in the city of Cirebon is very large, with the condition that there is good cooperation between related parties so that the synergy and management of the management run in harmony and balance, in addition it also requires 3 (three) important steps to improve and developing a local economy through a creative economy, namely: building a shared commitment, determining superior accommodation and finally creating local branding. Keywords: Creative Economy, Economic Development, Economic Innovation AbstrakPerkembangan ekonomi dan industri kreatif berkembang begitu pesat, sehingga pemerintah Indonesia mendorong semua daerah untuk mengembangkan ekonomi kreatif untuk menigkatkan ekonomi lokal, salah satunya adalah dengan membentuk badan khusus yang mengelola dan mengurusi ekonomi kreatif dari tingkat pusat hingga daerah yaitu Badan Ekonomi Kreatif atau BEKRAF. Kota Cirebon memiliki letak geografis yang sangat strategis karena terletak di jalur perlintasan barang dan jasa melalui pantai utara (pantura) yang menghubungkan wilayah bagian barat yang menjadi pusat perputaran ekonomi nasional. Penelitian ini menggunakan metode survey dengan pendekatan kualitatif dan analisis deskriftif. Hasil penelitian ini menunjukkan bahwa Sub sektor kuliner merupakan sub sektor paling besar dari jenis ekonomi kreatif lainnya di Kota Cirebon dengan persentase mencapai 42%, disusul kemudian oleh ekonomi Fashion 15%, Ekonomi Kriya, Arsitektur dan Desain Visual masing-masing sebesar 12%. sedangkan untuk wiyalah yang paling banyak pelaku ekonomi kreatifnya adalah Kecamatan Kejaksan dengan persentasi mencapai 45,8%, disusul Kecamatan Harjamukti 37%, Kecamatan Pekalipan 25%, Kecamatan Kesambi 10,7% dan Kecamatan Lemahwungkuk 6%. Dari data tersebut maka ekonomi kuliner, Fashion dan Kriya bisa dijadikan sebagai subsektor unggulan untuk Kota Cirebon, sedangkan Kecamatan Kejaksan dan Kecamatan Kesambi bisa dijadikan sebagai pusat ekonomi kreatif yang ada di Kota Cirebon. Potensi untuk menjadikan ekonomi Kreatif sebagai salah satu sektor pendongkrak ekonomi lokal di Kota Cirebon sangatlah besar, dengan syarat terjadi kerjasama yang baik antara para pihak terkait sehingga sinergi dan manajemen pengelolaannya berjalan selaras dan seimbang, selain itu juga diperlukan 3 (tiga) langkah penting untuk meningkatkan dan mengembangkan ekonomi loka melalui ekonomi kreatif yaitu : membangun komitmen bersama, menentukankomoditas unggulan dan terakhir adalah menciptakan local branding.Kata Kunci : Ekonomi Kreatif, Pembangunan ekonomi, Inovasi Ekonomi
IMPLEMENTATION OF GOOD GOVERNANCE BUSINESS SHARIA (GGBS) IN ISLAMIC BANKING IN INDONESIA R. Juli Moertiono; Muhammad Syahbudi; Saparuddin Siregar
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 2 (2021): DESEMBER 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i2.3355

Abstract

In the development of Sharia banking with the merger of several Sharia Banks to become Bank Indonesia Shariah (BIS), is hoped that it can progress very rapidly, as is the case of Islamic banking in Indonesia which has grown significantly. The development of Sharia banking must be accompanied by good governance so that it is not only a tag line for Islamic financial institutions. The Standard Operating Procedure of Islamic banking must be carried out properly based on Sharia principles. Therefore, Bank Indonesia issued Bank Indonesia Regulation No. 11/33/ PBI 2009 concerning the Implementation of Sharia Business Governance (GGBS) for Sharia Commercial Banks (BUS/ Bank Umum Syariah) and Sharia Business Units (UUS/ Unit Usaha Syariah). The five principles are: Transparency, Accountability, Responsibility, Professionalism and Fairness or equality. GGBS is a banking management system designed to improve compliance with the prevailing moral ethics laws and regulations. According to Chapra, the implementation of Good Corporate Governance is a requirement for Sharia Banks to develop properly and in accordance with Sharia compliance. The implementation of GGBS in Sharia banking is expected to create a business that is healthy, conducive, transparent and efficient and a blessing.
DETERMINAN PREFERENSI MASYARAKAT KOTA MEDAN DALAM MENGGUNAKAN PEMBAYARAN NON TUNAI M Ridwan; Nurlaila Nurlaila; Rangga Salam
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 6, No 2 (2020): DESEMBER 2020
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v6i2.2655

Abstract

Penelitian ini memiliki tujuan untuk mengetahui  apakah Efesiensi, Kewajiban, Keamanan, Kemudahan dan  Diskon berpengaruh pada preferensi masyarakat pada pembayaran non tunai di Kota Medan. Jenis penelitian ini berupa analisis kuantitatif, dalam penelitian ini merupakan uraian atau penjelasan dari hasil pengumpulan data yang kemudian dianalisis sehingga diperoleh gambaran yang jelas mengenai objek penelitian,  di Kota Medan yang meliputi para pekerja mulai dari karyawan, pelaku usaha dan juga mahasiswa serta orang yang dinilai terkait dalam penelitian ini. Pemilihan lokasi ini terkait peneliti yang juga tinggal didaerah sekitar Medan. Berdasarkan analisis pengolahan data diperoleh hasil bahwa secara parsial adanya pengaruh Efesiensi, Kewajiban, Keamanan, Kemudahan dan  Diskon berpengaruh pada preferensi masyarakat dengan nilai t-hitung paling besar variabel kemudahan yakni 4,817. Secara simultan adanya pengaruh positif dan signikan yakni sebebsar 21,640. Kata Kunci : Pembayaran Non Nunai, Preferensi Masyarakat
HALAL PRODUCTION AT THE MEATBALL HOME INDUSTRY IN BENGKULU CITY Miti Yarmunida; Nilda Susilawati; Khairiah Elwardah
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3175

Abstract

Abstract,Halal certification is a must in the culinary field, especially in supporting Indonesia as a world halal tourism destination. However, the phenomenon that is developing in the city of Bengkulu, there are still many processed foods, especially flour and meat such as meatballs, which are very popular with the public, do not have a halal certificate in their sales In fact, there is only 1 meatball business in Bengkulu that is registered in the 2020 LPPOM MUI halal product shopping. Thus, the purpose of this study is to describe how the process of production of food processed with flour and meat, which is mostly a category of home industry in Bengkulu City, and analyzes it using production theory in Islam. This research method is descriptive qualitative. Research informants were home industry food producers, namely food producers from processed meat and flour. This business does not yet have a brand or production permit from the related party, even though they produce the food every day and it is sold freely in the city of Bengkulu. The research instrument was an open interview guide to dig deeper into the information about the production process that the informant did. Data analysis through restatement, description and interpretation of data. The results of the study found that the meatball home industry food production process in Bengkulu City has not had a halal standard of production as regulated in production theory in Islam. This happened on the background of the lack of knowledge of home industry players about halal production and tended not to consider the issue of halal label and production permits from related parties as important.
IS GOJEK DRIVERALREADY PROSPEROUS BY MAQASID SYARIAH? Anita Rahmawaty; Kharis Fadlullah Hana; Aryanti Muhtar Kusuma; Anggie Nurulita
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3107

Abstract

This study aims to analyze the welfare of Millenial Gojek driver in Kudus district from the perspective of maqashid sharia. This research is field research using a qualitative approach. Research data were collected through interviews, observation, and documentation. Informants in this study are Millenial Gojek drivers who operate in Kudus district and have joined as Gojek partners for at least four months. The results showed that first, Millenial Gojek drivers in Kudus district have not fully achieved maslahah welfare. This is because the needs for dharuriyat has not been fully met, namely 5 research indicators among others hifdz al-din, hifdz al-nafs, hifdz al-aql, hifdz al-nasl, dan hifdz al-mal. Second, the hajiyat needs of informants have been met, namely having a motorbike and smartphone. Third, tahsaniyat needs of the informants have not been fulfilled, namely health insurance.
IMPLEMENTATION OF ZAKAT ACCOUNTING BASED ON PSAK 109 IN LAZISMU PAYAKUMBUH CITY Nopiardo, Widi
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 2 (2021): DESEMBER 2021
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i2.4751

Abstract

The problem in this research is that not all components of the accounting report made by the officer, such as the report on changes in assets, are not yet available. The recording process still has a very simple report format according to the knowledge of the registrar. Reports on changes in funds are only recorded for the amount of money in and out without any other supporting information. The audit of zakat accounting reports is only carried out internally. From the initial data, the researchers are interested in discussing it. The method in this study uses a descriptive approach that aims to explain the solution to existing problems based on data to be analyzed and interpreted. The results showed that the application of Zakat Accounting based on PSAK 109 in LAZIS MU Payakumbuh City as follows: Initial Recognition of Zakat, the receipt of zakat is recognized when cash or other assets are received. Measurement After Initial Recognition, if there is a decrease in the value of non-cash zakat assets, the amount of loss incurred must be treated as a deduction of zakat funds or as a deduction for amil funds. Initial recognition of infaq / alms, infaq / alms received is recognized as bound or unrestricted infaq / alms funds in accordance with the objective of the donors of infaq / alms in the amount received. Measurement after initial recognition, donations / alms received can be in the form of cash or non-cash assets. Non-cash assets can be in the form of current or non-current assets. The distribution of infaq / alms, the distribution of infaq / alms funds is recognized as a deduction for infaq / alms funds in the amount given. Non-halal Funds, Non-halal receipts are all receipts from activities that are not in accordance with sharia principles, including receiving current accounts or interest from conventional banks. Presentation, Amil presents zakat funds, infaq / alms funds, amil funds, and non-halal funds separately in the balance sheet of the financial position statement. Amil zakat discloses matters related to zakat transactions. Transitional provisions, this statement applies to transactions of zakat and infaq / alms that occur on or after the effective date. Effective Date, the presentation of financial statements based on PSAK 109 began to apply LAZIS MU Payakumbuh City since 2015. Constraints so far in LAZIS MU Payakumbuh City are still limited human resources in applying PSAK 109. There is no PSAK 109 training program for managers who manage finances, so far it is still understand independently, so that the management's knowledge is limited. In addition, operational costs are also limited, so they have limitations in carrying out activities that are to improve the quality of human resources, especially in the financial sector.
ANALISIS STRATEGI PEMASARAN DENGAN METODE SWOT DAN PERSPEKTIF SYARIAH PADA PT NATURAL NUSANTARA YOGYAKARTA Mega Tunjung Hapsari
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 6, No 2 (2020): DESEMBER 2020
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v6i2.2715

Abstract

Environmental and ecosystem damage globally has led PT Natural Nusantara to carry halal and environment friendly products in the field of agro-complex. However, fierce and fast business competition requires an appropriate marketing strategy in decision making. This study aims to analyze marketing strategies through the SWOT method and sharia perspective at PT Natural Nusantara Yogyakarta. The research method uses a descriptive qualitative approach based on primary and secondary data. The results of the study based on the Strengths - Weaknesses - Opportunities - Threats (SWOT) matrix, supported by the Internal Factor Evaluation (IFE), External Factor Evaluation (EFE), and Cartesius Diagram showed that the score of IFE 3,36 and EFE 3,20. This score indicates the quadrant I position, which is the strategy needed is growth oriented strategy. Besides that, business commitment based on virtue and piety in product marketing evidenced by the permission from BPOM and halal certification from MUI.

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