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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 134 Documents
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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.
THE URGENCY OF RESCHEDULING POLICY AS A SOLUTION TO SHARIA BANKING DISPUTE ON MURABAHAH AGREEMENTS Mohamad Hidayatullah A.K Husein; Abdul Mujib; Nenden Herawaty Suleman
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2106

Abstract

The purpose of the study is to examine the rescheduling of Murabahah finance as an alternative to using dialogue as a means of resolving economic issues in Islamic banking. As a result, there will be reciprocal protection and legal clarity for both parties. Therefore, normative legal research will be used in this study because it offers secondary information in the form of secondary legal material by examining or studying the notion of law as a useful tool or norm in the legal system that regulates human existence. This study falls under the category of library research. The possibility of rescheduling murabahah funding contracts in terms of time and shared objectives is studied using secondary data. Results of research The urgency of the scheduling policy undoubtedly benefits both banks and customers. Banking solutions can be discovered to resolve difficult financing issues in Murabahah contracts by discussion and consensus to find a way out of these challenges by opening this policy space and changing the thinking of customers. The bank strengthens risk management and makes sure that Sharia law is followed when implementing every policy. But in this instance, improving and overseeing management is undoubtedly preferable. Consumers who have trouble completing payments are additionally given assistance, and customers are given instructions to help them avoid this issue in the future. as well as possibilities for consumers to collaboratively draft the terms of the agreement and make the murabahah contract's provisions clear to them.
REDETERMINING HALAL LIFESTYLE: A QURAN PERSPECTIVE Adib Susilo; Muhammad Kurnia Rahman Abadi; Setiawan Lahuri; Rizal Achmad
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2065

Abstract

This study aims to explore the verses in the Al-Qur'an which discuss the halal lifestyle which is the main resource for Muslims in everyday life. The method used in this study is a qualitative method with a library research approach which was carried out to explore the interpretation of the Qur'an about the halal lifestyle from the holy book, the Al-Qur'an. This study found that the halal lifestyle based on the perspective of the Qur'an can be continued in the aspect of consumption or lifestyle in choosing food, namely choosing between food, medicine, and products that are forbidden containing alcohol or pork, or choosing Food that is lawful in Islam, the food that is halal and?tayyib. It is the same also in the aspect of Muslim fashion, halal travel, and tourism, as well as in the fields of finance and charity. This research focuses on exploring the most common and familiar lifestyles practiced by the current generation. Further study of the details or even the digital lifestyle should be carried out by future research.
THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS AS AN EXPLANATION OF CHANGES IN NON-PERFORMING FINANCING AT BANK BNI SYARIAH Sudirman Sudirman; Trimulato Trimulato; Andi Sadapotto; Yulianti Yulianti
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2084

Abstract

The purpose of this research is to analyze the influence of internal variables including Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operational Costs to Operating Income (BOPO), and external variables, including Inflation and value of the exchange rate on Non-Performing Financing (NPF). The data used is secondary data obtained from financial statements from Bank BNI Syariah and Central Statistics Agency. The type of data analyzed is time series quarter period last ten years, from 2011 to 2020. The data analysis method is carried out using multiple regression with SPSS version 26. The results of this study found together the Financing to Deposit Ratio variables (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange Rates have a significant effect on Non-Performing Financing (NPF). Meanwhile, the partial Financing to Deposit Ratio (FDR) variable has a negative and insignificant effect on Non-Performing Financing (NPF). Likewise, Operational Costs on Operating Income (BOPO) have a positive and insignificant effect on Non-Performing Financing (NPF). Meanwhile, Capital Adequacy Ratio (CAR) and Inflation have a positive and significant effect on Non-Performing Financing (NPF). However, the exchange rate has a negative and significant effect on Non-Performing Financing (NPF). The conclusions were tested together with variables Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange rates have a significant effect on Non-Performing Financing (NPF) at Bank BNI Syariah.
MONETARY INFLUENCE ON INVESTMENT IN LAMPUNG PROVINCE: SHARIA ECONOMIC ANALYSIS Anggoro Sugeng; Fajar Setiono; Ku Abdul Muhaimin Yusof
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2115

Abstract

This study aims to determine the effect of Interest Rates, Inflation, and Exchange Rates on Investment in Lampung Province as well as Islamic economic views on Investment. The types and sources of data use a quantitative approach, with secondary data in the form of time series data from 2007-2016. Based on multiple linear regression analysis using the T-test, it was found that: Interest Rates did not affect Investment with a significant value of 0.292> 0.05, Inflation had an effect on Investment with a significant value of 0.02 <0.05, and Exchange Rates had an effect on Investment with a significant value of 0.000 <0.05. While testing using the F test shows that: Interest Rates, Inflation, and Exchange Rates have a significant effect on Investment in Lampung Province with a significant value of 0.000 <0.05. The conclusion of this study shows that interest rates have no effect on investment; because changes in monthly interest rates do not immediately get a response from the market. In Islam, investment is highly recommended to avoid unproductive assets and must comply with Islamic principles.
SURVIVAL STRATEGIES FOR EVENT ORGANIZERS DURING A PANDEMIC FROM THE PERSPECTIVE OF ISLAMIC BUSINESS ETHICS Muhammad Iqbal
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2121

Abstract

This research was conducted to see how service business owners who focus on event organizers are surviving during a pandemic. by conducting this research, we hope that the strategies implemented by surviving entrepreneurs can be duplicated and applied to other companies. Data collection techniques in this study used observation, interview, and documentation techniques. The result of this research at PT. Orbit Semesta Production implements several strategies, including action, investment, and operations. The company has also fulfilled the elements of business according to the Islamic view by not doing things that are not in line with PT. Turindo also carries out a business divestment strategy by streamlining operational offices and transferring resource functions through online media. In applying business ethics, business people follow the elements of ethics. In other businesses, CV. Flazh Production implements a reduction strategy, namely cutting team member rights, because the new production strategy does not follow what has been implemented in entrepreneurial ethics, such as not helping and being responsible for what the company owns.
THE DISCOURSE OF USURY IN THE VIEWS OF ISLAM AND CHRISTIANITY Krueger Tumiwa; Rüdiger Lohlker; Telsy Samad
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2314

Abstract

Before the emergence of Abrahamic religion, the population in the past experienced both economic calamity and humanitarian crisis as a result of usury practices. Various historical studies reveal that the Babylonian period was an era where human civilization showed dreadful facts as a result of usury praxis. This study focuses on Islamic and Christianity views of usury in economic activities. This paper aims to examine usury starting from semantic discussions to usury practices which are closely related to economic activity from both an Islamic and Christianity perspective. The method used in this paper is a qualitative method with a literature study approach taken from various national and international sources, namely books and journals and citing explanations from the Bible and Qur’an. The results of this research reveal that in Christianity, the study and prohibition of usury practices are mostly discussed in the Old Testament in Deuteronomy, Exodus dan Leviticus, while the New Testament tends to discuss things that need to be done to avoid usury practices. Associated with the economy in general in Christianity refers to the practice of lending money (loans) to those in need without asking for interest or additional returns as a form of profit. Meanwhile, in Islam, the discourse of usury can be found in al-Baqarah, al ‘Imran, al-Nissa‘, al-Rum and the kind of prohibited Usury in is Riba Nasiah, Fadhl and Jahiliyyah which related to purchases and loans.
THE ROLE OF WAQF ON HALAL INDUSTRY AND ISLAMIC ECONOMIC DEVELOPMENT IN INDONESIA: A SWOT ANALYSIS Azwar Azwar; Fakhri Sungit
Tasharruf: Journal Economics and Business of Islam Vol 8, No 1 (2023): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v8i1.2372

Abstract

This study aims to analyze the strengths, weaknesses, opportunities, and threats as well as strategies for the role of waqf on halal industry and Islamic Economy development in Indonesia. This research is a qualitative descriptive study using literature study methods and SWOT analysis techniques. The results of the study show that the strengths of waqf in Indonesia lie in the existence of well-established waqf institutions, the existence of a Waqf Core Principle (WCP) as a guideline and the existence of a scheme that integrates social funds and commercial funds. However, Indonesia’s waqf also has several weaknesses, namely the not-yet optimal digitalization of user-friendly waqf collection, the lack of development of instruments that integrate waqf with merchant products, the large number of individual nazirs who are not registered and do not work full-time, and the distribution of most of the waqf funds to sectors that are relatively less productive. Meanwhile, the opportunities for waqf in Indonesia lie in the increasing diversity of multipayment services on various e-commerce sites, the high intention to donate from the Indonesian people, the increasing number of universities that specifically teach Sharia economics. However, the threats that must be faced are the lack of awareness regarding cash waqf, the lack of public literacy about waqf, and the dominant public perception of traditional waqf. Several strategic programs that can be carried out include: (1) increasing waqif and public awareness of waqf; (2) strengthening the waqf ecosystem; and (3) strengthening the institutional integration of zakat institutions.

Page 9 of 14 | Total Record : 134

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