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Tasharruf: Journal Economics and Business of Islam
Published by Institut Agama Islam Negeri Manado
ISSN : 25280317     EISSN : 25280325     DOI : http://dx.doi.org/10.30984/febi
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Tasharruf: Journal Economics and Business of Islam is a publication forum for scientific journals related to Islamic economics and business (economic journals).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol 7, No 1 (2022): JUNE" : 6 Documents clear
THE ROLE OF PRODUCTIVE ZAKAT IN REDUCING THE INCOME DISCREPANCY IN SOUTH KALIMANTAN PROVINCE Yusuf Asyahri; Faqih El Wafa
Tasharruf: Journal Economics and Business of Islam Vol 7, No 1 (2022): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i1.1738

Abstract

This article aims to analyze the distribution of zakat funds, the impact of zakat funds on income, and the distribution of zakat in reducing income inequality in South Kalimantan Province. The analytical method used is the sample Paired t-test and the Lorenz Curve and Gini Ratio, with a mixed method. The results of the study provide findings, First, the distribution of zakat funds to Mustahik has gone through the stages of indicators including Goal Setting; Planning; Organizing; Staff Filling; Briefing; Supervision; Control; and Coordination. Second, distinguishing income before and after the existence of productive zakat assistance for economic empowerment. Third, the Gini coefficient shows that income inequality can be reduced by a reduction index of 0.1493 after the existence of productive zakat. Thus, it can be concluded that there is a difference in income before and after the distribution of productive zakat for economic empowerment and income inequality can be reduced by a reduction index of 0.1493 after the existence of zakat.
SHARE WAQF: ECONOMIC GROWTH AND POVERTY ALLEVIATION IN INDONESIA Atika Zahra Maulida; Agus Purnomo
Tasharruf: Journal Economics and Business of Islam Vol 7, No 1 (2022): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i1.1758

Abstract

The purpose of empowering business capital taken from profit sharing from Sharia shares managed by the issuer is to encourage economic growth and reduce poverty. In this study, researchers used qualitative methods by conducting interviews with Nazhir, investors, and people in need. The results of the study are as follows: Waqf funds are managed by Nazhir and distributed to capital market products such as sharia shares, sharia mutual funds, Sukuk, SBSN, and others. Profits from share waqf assets will be channeled into economic empowerment activities to provide entrepreneurship training, open job vacancies, and encourage income growth for the community. People who get business capital from Nazhir will be monitored and evaluated based on income growth and business development. The asset management system of share waqf funds distributed is as follows; First, investors and venture capital recipients will agree on both parties regarding the payback period, community capacity, and infaq contributions. The Investment Manager will distribute profits to investors and investors will manage the profits obtained in economic empowerment activities such as entrepreneurship. Profit funds will be given to people in need such as the poor and others and the proceeds from the sale of the resulting products can encourage economic growth and reduce poverty.
INFLATION IN THE UNITED KINGDOM IN TIMES OF WAR AND PANDEMIC (A SOLUTION FROM THE ISLAMIC ECONOMICS) Talha Ayub; Martini Dwi Pusparini
Tasharruf: Journal Economics and Business of Islam Vol 7, No 1 (2022): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i1.1903

Abstract

History discloses that economic turbulence is not merely caused by economic failures such as policies, institutions, or market conditions, there are also a few phenomenon that contributes to a robust impact on the economic decline namely war and pandemics. The purpose of this paper is to reveal the economic downturn such as inflation in the United Kingdom caused by the covid-19 pandemic and worsened by the war between Russia and Ukraine. This paper also proved that the Islamic economic system is a solution to attaining a prosperous economy for society. Using qualitative research through descriptive analysis, this paper analyzed how the Islamic economic system possesses a vital role in facing economic crises in times of war and pandemics. The result of this paper found that Islamic economics is the only economic system that brings justice to all economic actors in the entire world, thus it leads to forming healthy economic circumstances and then avoiding the economic crisis to occur. 
E-COMMERCE ON THE STUDY OF MASLAHAH MURSALAH (A REVIEW FROM AN ISLAMIC ECONOMIC PERSPECTIVE) Hassan Shakeel Shah; Adib Susilo
Tasharruf: Journal Economics and Business of Islam Vol 7, No 1 (2022): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i1.1944

Abstract

Currently, technological developments have provided significant changes in world economic activities and transactions. As a Muslim community that follows Islamic Shari'a, they must have adequate comprehension of the latest forms of transactions so that the economic activities carried out do not conflict with Islamic economic principles. The purpose of this paper is to describe maslahah mursalah, electronic commerce (e-commerce), and how the function of e-commerce is related to maslahah mursalah. Through qualitative research methods with descriptive analysis, this paper describes e-commerce in the study of maslahah mursalah. The results of this paper's discussion reveal that The mechanism of e-commerce has similarities with the as-salam contract in the perspective of Islamic economics. Thus, an E-commerce transaction is a form of Maslahah (providing benefits/convenience) whose level is at Maslahah Hajiyyat in terms of muamalah activities that include the sale and purchase of bai’ as-salam. Thus, the conclusion is that e-commerce has incorporated the requirements of use maslahah al-mursalah.
THE EFFECT OF SERVICE AND PRODUCT QUALITY ON THE DECISION TO BECOME A MEMBER OF BMT UGT SIDOGIRI CAPEM WARU Fitria Ayu Lestari Niu; Ulfa Maqfiroh
Tasharruf: Journal Economics and Business of Islam Vol 7, No 1 (2022): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i1.1834

Abstract

This study aims to determine the effect of service and product quality on the decision to become a member of BMT UGT Sidogiri Capem Waru partially and simultaneously by using a descriptive quantitative approach. Data was obtained by distributing questionnaires to respondents. The results of this study found that partially the service quality has no effect on member decisions with a significance level of 0.842 > 0.05. Meanwhile, product quality has a positive and significant influence on decision-making to become a member. Simultaneously service and product quality influence the decision to become a member by 27.1%, while other variables outside of this study influence the remaining 72.9%. Service quality did not affect the decision to become a member caused of the lack of responsiveness of employees in responding to member the complaints, the lack of sensitivity of employees to the intentions of prospective members, and the lack of active employees in introducing and socializing the Mobile application (BMT UGT Nusantara). Meanwhile, product quality has a significant influence caused the products run by BMT UGT Sidogiri Capem Waru are following sharia principles, both product submission requirements and profit-sharing ratios where this product can reach various levels of various professions of society such as farmers, traders, private employees, civil servants, and students.
MORTGAGE AUCTION AT BANK SYARIAH INDONESIA EX-LEGACY BANK BNI SYARIAH IN YOGYAKARTA Daryoko Daryoko; Abd. Salam Arief; Asmuni Asmuni
Tasharruf: Journal Economics and Business of Islam Vol 7, No 1 (2022): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i1.1820

Abstract

This study analyzes the practice of mortgage auctions at Bank Syariah Indonesia, Ex-BNI Syariah Yogyakarta Branch for the period 2016-2019. The study used a normative-empirical approach with data collection carried out through observation, interviews, and documentation. The informants were selected by purposive sampling and consisted of bank employees who had duties related to mortgage auctions. The results showed that the auction of mortgage rights in its implementation was not in accordance with Law Number 21 of 2008 Article 55 which was confirmed by the Decision of the Constitutional Court Number 93/PUUX/2012. In the harmonization of the law on mortgage auctions, it is necessary to have support with an integral, effective, and relatively low-cost dispute resolution model. On the other hand, in realizing the legal harmonization of mortgage auctions, it is necessary to have a Fatwa from the MUI DSN which can be used as a reference for fulfilling sharia principles for Islamic banks.

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