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Al-Muqayyad
Published by STAI Auliaurrasyidin Tembilahan
ISSN : 26148102     EISSN : 27153177     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
AL MUQAYYAD adalah Jurnal Program Studi Ekonomi Syariah STAI Auliaurrasyidin Tembilahan yang memuat tentang hasil penelitian, gagasan konseptual, review buku baru, studi naskah dibidang ekonomi keislaman dan keilmuan. Jurnal Al Muqayyad diharapakan mampu menjadi wadah bagi dosen dan praktisi ekonomi islam untuk menerbitkan tulisan ilmiah. Harapan besar tentu semoga jurnal Al Muqayyad dapat dimanfaatkan secara positif di bidang program studi ekonomi syariah.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 100 Documents
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Profit-sharing mudharabah transaction in chicken farming businesses: Exploring the benefits and challenges in sharia village owned enterprises-RIAU Rosadi, Syukri; Andrini, Rozi
AL-Muqayyad Vol. 7 No. 2 (2024): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v7i2.2375

Abstract

The implementation of Mudharabah for chicken farming businesses in Sharia Village-Owned Enterprises (BUMDes Syariah) faces quite big challenges related to understanding concepts and business risk management. The aim is to identify the benefits and challenges of implementing Mudarabah. The method used was a case study approach involving five administrators as informants using qualitative descriptive analysis techniques. The results show that although the implementation of Mudharabah profit sharing has had a positive impact on increasing capital and chicken farming business performance, there are several obstacles such as a lack of understanding of the Mudharabah concept and weak risk management. So intensive training and assistance is needed from sharia financial institutions regarding the proper implementation of Mudharabah. This research has implications for the development of Islamic economic theory and provides practical guidance for managers in optimizing the implementation of Mudharabah. This research underlines the need for more in-depth education and training as well as government policy support for the successful implementation of Mudharabah in the livestock sector and other small and medium enterprises.
Bagi hasil sistem tellon di Madura perspektif ekonomi Islam Ferdianto, Oktavian; Sakinah, Sakinah; Fahrurrozi, Fahrurrozi; Yakin, Ainol; Hidayati, Yulia Eva
AL-Muqayyad Vol. 7 No. 2 (2024): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v7i2.2428

Abstract

In the Madura region, collaboration between landowners and tenant farmers is commonly observed. One such collaboration occurs in tobacco farming. The Madurese community practices the tellon profit-sharing system in tobacco farming partnerships. This study aims to understand how the tellon profit-sharing system is implemented in the tobacco farming practices of the Madurese community. It also seeks to evaluate the alignment of the tellon system with Islamic economics principles. The study employs a qualitative descriptive method, utilizing literature reviews and direct interviews involving landowners and tenant farmers. These parties engage in collaborative efforts in tobacco farming and implement the tellon profit-sharing system. The findings reveal that cooperation within the Madurese community is driven by mutual dependency. The tellon profit-sharing system, rooted in mutual agreement between the parties, aligns with the principles of Islamic profit-sharing systems.
Investasi syariah dalam meningkatkan profitabilitas PT. Asuransi Takaful Keluarga di tengah tantangan ekonomi global Budiman, Ardiyan; Humaemah, Ratu; Surahman, Surahman; Jambunanda, Ahmad Jamaludin
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2333

Abstract

This research examines how the implementation of sustainable Islamic investment can encourage profit growth at PT. Asuransi Takaful Keluarga. This study aims to analyze the effect of the implementation of sustainable sharia investment on the profit growth of PT. Asuransi Takaful Keluarga in the midst of global economic challenges. Through a qualitative approach, this study found that the implementation of sustainable Islamic investment contributed significantly to the increase in company profits. This is due to several factors, including increased investor confidence and reduced operational risk. This research shows that sustainable Islamic investment is not only limited to fulfilling social and environmental aspects, but can also be an effective business strategy to improve the company's financial performance.
Strategi peningkatan usaha kecil mitra bank wakaf mikro Fataha Kampung Maredan Barat Kecamatan Tualang Kabupaten Siak Winario, Mohd; Yasra, Dewi; Asnawi, Mizan
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2487

Abstract

Micro Waqf Bank was established to facilitate access for low-income communities to obtain Sharia-based business financing in a fast, simple, and interest-free manner. This study aims to identify effective strategies in improving the performance of BWM partner small businesses in Maredan Barat Village. This study uses a qualitative method with a descriptive approach. Data were obtained through in-depth interviews, and observations analysis of BWM partner small business actors. SWOT analysis was used to formulate strategies for improving small businesses based on the strengths, weaknesses, opportunities, and threats faced. The results of the study indicate that the BWM program has a positive impact in the form of increased access to capital, income, and managerial skills. However, there are still obstacles in technology adoption, product diversification, and marketing network development. To overcome this, the recommended strategies include strengthening human resource capacity, utilizing digital technology, product diversification, and developing distribution networks. In conclusion, BWM Fataha plays an important role in empowering small businesses, but a more holistic and sustainable strategy is needed to improve the competitiveness of business actors at the local and regional levels.
Penerapan akad hiwalah dalam praktik pada perbankan syariah Nurhasanah, Nurhasanah; Mz, Nurse Fatimah
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2633

Abstract

This research aims to examine how the implementation of hiwalah is practiced in the contemporary era in sharia financial institutions, especially sharia banking. This research is of the type of library research or library research using qualitative methods by conducting content analysis using the Content Analysis model. The results of the research show that the conversion of classic hiwalah to contemporary hiwalah is a form of sharia banking product. The hiwalah contract can be applied to factoring, post-date checks and bill discounting. The hiwalah changes from a tabarru' character with a qard hiwalah contract to a mu'waddah using a bil ujrah hiwalah contract with the provisions of using the muthlaq hiwalah type. The bank will determine additional fees or fees for transferring customer debts based on MUI Fatwa NO:12/DSN-MUI/IV/2000 and Fatwa NO:58/DSN-MUI/V/2007. SE OJK No. 36/SEOJK.03/2015
Kontroversi gaya hidup konsumtif dan penerapan prinsip ekonomi syariah pada generasi muda Auralia, Tita; Syarif, Dafiar
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2700

Abstract

Consumptive behavior is a person's habit of buying or consuming goods and services excessively without considering their actual needs. This study aims to evaluate the level of consumerism among the younger generation. This study uses a descriptive qualitative method, data was collected through interviews, observations, and documentation of FEBI IAIN Kerinci students. This study shows that understanding of Islamic economic principles such as qana'ah, tasarruf, and the prohibition of israf is still low. Consumption decisions are often triggered by influencers and online promotions. Therefore, early Islamic economic education, Islamic entrepreneurship training, and the use of digital media are needed to spread Islamic financial values. This approach is expected to shape the lifestyle of the younger generation who do not just follow trends, but are also in line with Islamic teachings in managing finances wisely.
Prinsip dasar ekonomi syariah dan relevansinya terhadap ayat-ayat ekonomi dalam Al-Quran Tasriani, Tasriani; Hanif, Khairul
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2723

Abstract

Islamic Economics is an economic system based on sharia principles, which are sourced from the Qur'an and hadith. The main objective of Islamic economics is to create prosperity, justice, and socio-economic balance. This study aims to examine the basic principles of Islamic economics and the relevance of economic verses in the Qur'an in forming an economic system that is just and in accordance with Islamic teachings. This study uses a type of library research with data collection techniques using documentation. In the Qur'an, there are several basic principles that are the main foundations in the implementation of Islamic economics, such as the principle of monotheism, the principle of justice, the prohibition of usury, zakat and alms as instruments of Islamic economics, the permissibility of business, and freedom of business as long as it does not violate sharia. Thus, these basic principles of Islamic economics are in accordance with the main values ​​in economic verses that are relevant to current economic practices, namely economic balance, the principle of trade, the prohibition of monopoly and injustice, and the obligation to pay zakat and share.
Pengaruh perbankan konvensional terhadap pertumbuhan ekonomi dengan perbankan syariah sebagai variabel moderating menggunakan SEM-PLS Widjiantoro, Surya Tegar; Yusuf, Muhammad
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2728

Abstract

Islamic banking assets in Indonesia remain significantly behind conventional banking. In 2023, the assets of conventional banks reached over IDR 11,000 trillion, while Islamic banks accounted for only around IDR 580 trillion. This considerable asset gap motivates further investigation into the roles of both banking systems in economic development. This study aims to examine the influence of conventional banking on economic growth, the impact of Islamic banking on economic growth, and whether Islamic banking moderates the relationship between conventional banking and economic growth. The research employs the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method, using annual secondary data from 2007 to 2023. The findings reveal that conventional banking significantly influences economic growth, while Islamic banking does not have a significant effect. Moreover, Islamic banking does not moderate the relationship between conventional banking and economic growth. These results highlight the need to strengthen the role of Islamic banking to enhance its contribution to national economic development.
Pengaruh penanaman modal dalam negeri, penanaman modal asing, pengeluaran pemerintah dan tenaga kerja terhadap pertumbuhan ekonomi di provinsi pulau Jawa dalam perspektif ekonomi Islam Rahmadhani, Mutia; Malik, Anas; Rahman, Taufiqur
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2734

Abstract

Economic growth in Islamic economic teachings is strengthened in the Quran, as-sunnah, and the writings of previous scholars. The growth and development of Islamic economics are reflected in the development of human resources and nature to strengthen human dignity, not only including financial fulfillment, but also desires and preparation for life in the afterlife. This study aims to determine the effect of Domestic Investment, Foreign Investment, Government Spending and Labor on Economic Growth in the Province of Java Island in the Perspective of Islamic Economics. The study used panel data from 6 provinces in Java Island. The results of the study showed that the selected model was the fixed effect model test which stated the results of the t-test that the PMDN variable had a positive and significant effect on economic growth, the PMA variable had a positive but insignificant effect on economic growth, the government spending variable had a positive and significant effect on economic growth and the labor variable had a negative and insignificant effect on economic growth.
Analisis pengaruh persepsi kemudahan, keamanan, dan kualitas pelayanan penggunaan QRIS terhadap inklusi keuangan generasi z di coffee shop Bandar Lampung dalam perspektif ekonomi Islam Alvira, Riza; Iqbal, Muhammad; Dedi Satriawan
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2751

Abstract

Generation Z, born between 1997 and 2012, is recognized as a tech-savvy cohort that prefers digital payment methods over cash. This study aims to analyze the influence of perceived ease of use, perceived security, and service quality on the financial inclusion of Generation Z using QRIS (Quick Response Code Indonesian Standard) as a digital payment method. A quantitative research approach was employed, with data collected through Google Forms questionnaires distributed to Generation Z individuals visiting coffee shops in Bandar Lampung. The sampling technique followed Lemeshow’s method, with 100 respondents, and variables were measured using a Likert scale. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 3. The results indicate that perceived ease of use and perceived security of QRIS significantly influence Generation Z’s financial inclusion. However, coffee shop service quality does not have a significant effect. These findings provide practical implications for strategies to enhance QRIS adoption in supporting financial inclusion while offering insights from an Islamic economics perspective in the context of digital payments

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