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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 108 Documents
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Analisis penyaluran zakat untuk meningkatkan kesejahteraan kaum dhuafa pada masyarakat Air Molek di lembaga LAZISWAF Khairul Ummah Pidola, Viras Alti; Indriani, Meisya
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.2745

Abstract

Zakat is a key instrument with a strategic role in wealth distribution and poverty alleviation. The effectiveness of zakat distribution in achieving these goals still requires in-depth analysis within the context of economic and social welfare. This study aims to analyze the distribution mechanism, identify changes in welfare levels, and evaluate zakat distribution towards improving welfare. The study used a qualitative descriptive approach supported by quantitative data. Data were obtained through interviews, field observations, and documentation. Analysis was carried out through data reduction, data presentation, and drawing conclusions with welfare indicators covering economic (income and employment), social (education and health), and spiritual (active worship and independence). The results show that LAZISWAF Khairul Ummah implements two forms of zakat distribution: consumptive zakat to meet basic needs and productive zakat in the form of business capital assistance. Zakat distribution has been proven to have a positive impact on improving the welfare of the poor, indicated by increased income, access to education, and social participation. However, long-term effectiveness still needs to be improved through mentoring programs and ongoing monitoring.
Pengembangan Koperasi ASN di Kabupaten Kutai Kartanegara: Analisis potensi, permasalahan, dan arah kebijakan Panasiah, Santi Eka; Aini, Aini
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.2838

Abstract

The welfare of State Civil Apparatus (ASN) significantly influences their performance, making the formation of cooperatives a vital economic empowerment strategy. This study aims to analyze the potential, challenges, and strategies for developing effective and sustainable ASN cooperatives. The research method used a qualitative descriptive survey, through primary data collection by distributing questionnaires to 387 ASN out of a total of 12,022 using the Slovin formula with a sampling error of 5%. The results showed that 88% of respondents fully supported the diversification of cooperative services. The most popular service was savings and loans (35.7%). However, there are three crucial challenges: (1) low awareness of the role of cooperatives; (2) Weak governance and management (including financial transparency); and (3) lack of inspirational figures. ASN cooperatives in Kutai Kartanegara have high potential for development, especially the savings and loans model. For sustainability, a professional and participatory strategy is needed, including the implementation of web-based technology for management transparency and strengthening member education. It is recommended that a Regent's regulation be issued to systematically regulate the management and supervision of ASN, in order to improve welfare and strengthen the local economy.
Pengaruh dana pihak ketiga dan non performing financing terhadap pembiayaan mudharabah pada bank umum syariah periode 2018-2020 Anggraini, Noppia; Yarmunida, Miti; Julir, Nenan
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.2885

Abstract

This research aims to determine and test the influence of third party funds (DPK) and non-performing financing (NPF) both partially and simultaneously on mudharabah financing in Islamic commercial banks in Indonesia for the 2018-2020 period. Using quantitative research with research objects at Sharia Commercial Banks. Purposive sampling was used to take samples for this research, resulting in a sample of 4 Sharia Commercial Banks. Data analysis techniques use multiple linear regression and hypothesis testing. Testing in this research uses SPSS 26. The research results show data that DPK has a significant effect on mudharabah financing. This is indicated by a significance value of 0.028 <0.05. NPF has no effect on mudharabah financing. This is indicated by a significance value of 0.193 > 0.05. DPK and NPF simultaneously influence mudharabah financing. This is indicated by a significance value of 0.034 <0.05.
Preferensi generasi z terhadap saham, sukuk, dan reksadana pada pasar modal syariah di Indonesia Fitri, Yona; Sari, Sari
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.3147

Abstract

The development of the Islamic capital market in Indonesia is showing rapid growth, along with increasing public interest in investments that comply with Sharia principles. Generation Z, as a technologically savvy, productive age group that dominates the number of digital financial platform users, has great potential as new investors. This study aims to analyze Generation Z's preferences for investment instruments in the Islamic capital market, namely Islamic stocks, sukuk, and Islamic mutual funds. Using a descriptive qualitative research approach with semi-structured interviews, this study involved 10 active investor informants from Generation Z. The results show that Islamic mutual funds are the primary choice due to their ease of access and minimal risk, while Islamic stocks are chosen by those with more advanced knowledge. Islamic sukuk are preferred by investors seeking stable returns. This study contributes to the development of literacy strategies and innovations in Islamic financial products that are friendly to the younger generation. The limitations in the number of informants and the research area open opportunities for broader follow-up studies. Overall, this study shows that Generation Z's investment preferences in the Islamic capital market are influenced by a combination of factors such as ease of access, risk level, investment knowledge, and aspects of religiosity and digital literacy.
Analisis strategi pemasaran produk cicil emas dalam meningkatkan minat nasabah pada Bank Syariah Indonesia Kota Pekanbaru Erman, Nilam; Winario, Mohd.
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.3167

Abstract

Cicil Emas is an Islamic investment product that facilitates gold ownership through an installment system based on the murabahah contract. This study aims to analyze the marketing strategy of Bank Syariah Indonesia (BSI) for the Cicil Emas product and to examine its influence on customer interest in Pekanbaru City. A descriptive qualitative method was employed, with data collected through in-depth interviews, observation, and document analysis involving informants from the bank's internal divisions (marketing and financing) as well as customer users and non-users of the product. The findings indicate that BSI's marketing strategy encompasses digital education, social media promotion, community-based outreach, and collaboration with religious figures. Factors influencing customer interest include the perceived value of gold investment, payment flexibility, transparency of the sharia contract, and social influence. This strategy is assessed as moderately effective in enhancing customer understanding and interest, despite obstacles such as the low level of Islamic financial literacy among some community segments. In conclusion, BSI's marketing strategy aligns with sharia principles and contributes to building public trust in the Cicil Emas product.
Pengaruh Islamic human development index dan pertumbuhan ekonomi terhadap ketimpangan pendapatan di Indonesia tahun 2019-2023 Lestari, Jelita Ayu; Iqbal, Muhammad; Saefurrohman, Ghina Ulfah
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.3232

Abstract

This study aims to analyze the effect of the Islamic Human Development Index (I-HDI) and economic growth on income inequality in Indonesia during the 2019-2023 period. The research employs a quantitative approach using secondary data from 34 provinces in Indonesia, obtained from the Central Statistics Agency (BPS) and other official sources. The analysis method applied is panel data regression, with the best model selected through the Chow and Hausman tests, which confirmed the Fixed Effect Model (FEM) as the most appropriate estimation model. The results show that partially, I-HDI has no effect on income inequality, while economic growth has a negative and significant effect. Simultaneously, I-HDI and economic growth have a significant effect on income inequality, with a contribution of 57.1%, while the remaining 42.9% is explained by other factors outside the model. These findings emphasize that inclusive economic growth plays an important role in reducing inequality, while improving human development quality based on maqaşid al-shari'ah requires more equitable distribution to optimally reduce income disparity.
Pengaruh investasi asing langsung, nilai tukar, dan inflasi terhadap pertumbuhan PDB negara-negara OKI dalam perspektif ekonomi Islam Wati, Silvi Kesuma; Bahtiar, M. Yusuf; Kurniawan, Agus
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.3246

Abstract

One of the main indicators for measuring a country's economic performance is GDP. This study aims to analyze the effect of foreign direct investment, exchange rates and inflation on GDP in OIC countries. This research method uses an Associative quantitative approach with a Panel Data Regression model. The population in this study is 57 OIC countries. The sample in this study was selected using Purposive Sampling Technique, using Secondary Data. Data were analyzed using Eviews10. The results of the study show that foreign direct investment and exchange rates have an insignificant effect on GDP while inflation has a significant effect on GDP in OIC, and simultaneously the three variables do not have a significant effect on OIC GDP.
Pengaruh IPM, TPT, dan pendapatan per kapita terhadap kemiskinan multidimensi di Indonesia dalam perspektif ekonomi Islam (2015–2024) Dairobbi, Ahmad; Nurlaili, Nurlaili; Fitri, Ainul
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.3249

Abstract

Multidimensional poverty refers to a condition in which individuals or households are unable to meet their essential needs, encompassing the dimensions of education, health, and a decent standard of living. Islamic economics emphasizes the principles of social justice, equitable wealth distribution, and social responsibility as strategic efforts to alleviate poverty. From an Islamic perspective, poverty is not merely an economic issue but also a social and moral problem that can disrupt the balance of societal life. This study aims to examine the influence of the Human Development Index, the open unemployment rate, and per capita income on multidimensional poverty in Indonesia within the framework of Islamic economic principles. The research employs a quantitative method using the VECM approach by analyzing 34 provinces in Indonesia. The results indicate that the fixed effect model is the most appropriate model, showing that the t-test results reveal a negative and significant effect of the Human Development Index and per capita income on multidimensional poverty, while the open unemployment rate has a positive and significant effect on multidimensional poverty in Indonesia.

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