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Ma'adul Yaqien Makkarateng
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Jurnal Ilmiah Al-Tsarwah
Published by Institut Agama Islam Negeri Bone
ISSN : 26207818     EISSN : 26854686     DOI : https://doi.org/10.30863/al-tsarwah.
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ilmiah Al-Tsarwah merupakan jurnal ilmiah yang diterbitkan oleh Program Studi Ekonomi Syariah Pascasarjana Institut Agama Islam Negeri (IAIN) Bone, dan sebagai sarana publikasi hasil penelitian serta sharing perkembangan ilmu Ekonomi Syariah. Jurnal ini memuat artikel yang belum pernah dipublikasikan sebelumnya yang berupa artikel hasil penelitian ataupun penelitian terapan, artikel telaah yang berkaitan dengan perkembangan Ilmu Ekonomi dan Keuangan (Konvensional dan Syariah) Informasi mengenai pedoman penulisan artikel dan prosedur pengiriman artikel terdapat pada setiap penerbitan. Semua artikel yang masuk akan melalui ‘peer-review process’ setelah memenuhi persyaratan sesuai pedoman penulisan artikel. Penerbitan jurnal ini dilakukan sebanyak enam bulan sekali yaitu pada bulan Juni dan Desember.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 105 Documents
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REORIENTASI DAN STRATEGI PENGUSAHA DALAM MENCAPAI PENINGKATAN KINERJA USAHA MIKRO DAN KECIL (UMK) DI WATAMPONE Astuti, Yuli; Abdulahanaa, Abdulahanaa; Sahaka, Arifin
Jurnal Ilmiah Al-Tsarwah Vol 6, No 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v6i2.5954

Abstract

This research discusses the reorientation and strategies of entrepreneurs in achieving improved performance of Micro and Small Enterprises (MSEs) in Watampone from a sharia management perspective.The main issue is the reorientation and strategies of entrepreneurs in achieving improved performance of Micro and Small Enterprises (MSEs) in Watampone.The objective of this research is to answer problems related to the entrepreneurial orientation model in improving the performance of MSEs in Watampone, the entrepreneurial strategies in improving the performance of MSEs in Watampone, and the orientation and strategies of entrepreneurs in improving the performance of MSEs in Watampone from a sharia management perspective. This research is a field research using psychological and sharia economic approaches. The types of data used are primary and secondary data. This research uses observation, interviews, and documentation methods. The data processing is done by conducting data collection, data reduction, data display, and conclusion drawing. The results showed that: first, it is empirically found that the orientation model used by entrepreneurs in Watampone is the skills of creating renewal, taking advantage of opportunities, being consistent, meticulous in improving their business performance. Second, empirically the strategies used by entrepreneurs in Watampone in improving their business performance are being creative, always utilizing available resources, building relationships, and managing capital properly.Third, the implementation of entrepreneurial orientation and strategies in Watampone has been carried out well and is in line with sharia management.
MAQASID AL-SHARIA IN THE DISTRIBUTION OF PROPERTY Al-Ayyubi, Solahuddin; Harnidar, Evania
Jurnal Ilmiah Al-Tsarwah Vol 6, No 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v6i2.4422

Abstract

There is a prohibition of rotating property on people (Q.S. 59:7) so that the discussion of sharia maqasid on distribution becomes essential to research. This paper aims to know the definition and function of the maqasid of shari'ah in concluding the law. Second, to understand the thoughts of scholars towards maqasid shari'ah. Third, to know the implementation of the shari'ah maqasid on the distribution of property. This article uses a qualitative approach. This article is library research. The results showed that sharia maqasid is an important concept in the study of Islamic law  by paying attention in maintaining faith (din), soul (nafs), mind ('aql), progeny (nasl) and wealth (maal) for humankind. Thoughts of scholars toward sharia maqasid were the main goal (universal value) to be achieved from legal provisions both in general and in particular. Sharia maqasid on the distribution of property creates a turnover of wealth among humans fairly and evenly. Distribution of property can be done through various means including nafaqah, zakat, inheritance, will, waqf, infak, alms, qardul Hasan, feeding the poor, qurban, aqiqah, helping others, fulfilling the rights of neighbours, fulfilling guest rights and Profit, and Loss Sharing (PLS), in addition, the distribution of property can also be done through the delivery of state property to citizens who are considered in need.
PENGARUH KUALITAS LAYANAN PENGADAIAN SYARIAH TERHADAP LOYALITAS NASABAH DI KOTA MAKASSAR Suarni, Agusdiwana; Kasim, Muhammad Najib; Febriana, Asna
Jurnal Ilmiah Al-Tsarwah Vol 6, No 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v6i2.5975

Abstract

Pegadaian Syariah is a formal financial institution in charge of distributing financing in the form of providing loan money to people in need, based on sharia pawning law, is something that needs to get a positive response. In sharia pawning, the most important thing is to keep away from the practices of usury, speculation and Gharar, which result in injustice and injustice to the community and customers. The purpose of this study is a type of quantitative research with the aim of knowing the effect of the quality of sharia pawnshop services on customer loyalty in the city of Makassar. This sample was taken from the customers of Pawnshop Syariah Central Makassar as many as 69 respondents. The type of data used in this study is quantitative data obtained from questionnaires distributed and associated with the problem under study. The research instrument used in this study used the Likert scale method. Based on the results of data research using statistical calculations through the application of the Statistical Package for the Social Science (SPSS) version 26. Based on the partial calculation results, the service quality variable is not significant to the customer loyalty variable, which is indicated by the value of 0.885 which is greater than 0.05 with the T test value showing 0.146. This means that the service quality variable has a positive but not significant effect on customer loyalty at Pegadaian Syariah Makassar City. The service at the Makassar Central Sharia Pawnshop is quite satisfactory even though it does not really affect customer loyalty, but is influenced by other variables.
APPLICATION OF ISLAMIC ENTREPRENEURSHIP VALUES (CASE STUDY ON STUDENT ENTREPRENEURS) MUHAMMADIYAH UNIVERSITY OF MAKASSAR Adawiah, Rabiatul; Nasir, Astia; Wahyuni, Sri; Rizaldy, Andi Risfan
Jurnal Ilmiah Al-Tsarwah Vol 6, No 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v6i2.5335

Abstract

Entrepreneurship is one of the activities to fulfill the needs that are pretty much in demand by various parties. Entrepreneurial activity can be an alternative in terms of solving economic problems. Indonesia is a nation where the majority of the people are Muslims. Muslims are the largest people in the world. However, there are still many Muslims, even those in Indonesia, who are still very minimal interested in building a business or entrepreneurship. Entrepreneurship activities basically in Islam have been taught, trained, and indoctrinated so how to become a fighter, entrepreneur, or entrepreneurship by imitating the nature of the Prophet Muhammad in entrepreneurship and also with the foundation or leading aspect of entrepreneurship contained in the Islamic values of the Qur'an and Hadith. This research was conducted by collecting several concepts which were then compiled from research variables and combined into a new scientific study, using qualitative methods, trying to discover several factors that influence a person's decision to become an entrepreneur. In addition, the purpose of this study is to add a little reference to studies related to Islamic Entrepreneurship values. A country will be strong because of its many strong entrepreneurs.
Digital Economy and MSMEs’ Revenue: Moderating Role of Internet Literacy Al Muffarriddin, Imam Andrianto; Ramadani, Lalu Ahmad; Aminy, Muhammad Muhajir
Jurnal Ilmiah Al-Tsarwah Vol 7, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i1.6955

Abstract

The research investigates the influence of the digital economy on MSMEs’ revenue growth with internet literacy as the moderating variable. This study employed data from 100 MSMEs through Random Sampling and analysis with SPSS software version 26. The results highlight a significant positive correlation between the digital economy and revenue increase, showcasing its role in expanding product marketing through online platforms like e-commerce and facilitating online payments, thus enhancing business efficiency, customer service, and communication. Moreover, the digital economy streamlines sales data recording and analysis, enabling targeted product innovation to directly boost revenue. Notably, internet literacy moderates this relationship, emphasizing the importance of sharing information and knowledge to maximize the benefits of digital tools like online marketing and e-commerce. This underscores the critical need for accessible and affordable internet infrastructure to support SMEs in leveraging digital technologies effectively. The practical implications suggest fostering internet literacy among SMEs and prioritizing initiatives to enhance internet accessibility can significantly contribute to revenue growth, bolstering their competitiveness and sustainability. Policymakers and stakeholders should thus prioritize efforts to provide necessary support and training programs aimed at empowering SMEs to harness the potential of the digital economy for sustained growth and development.
Evolusi Perkembangan Industri Baitul Mal Dalam Tinjauan Historis Islam Isnaizar, Ibrahim; Syah, Rizki Alam; Farhan, Muhammad; Yusuf, Fathoni
Jurnal Ilmiah Al-Tsarwah Vol 7, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i1.5624

Abstract

Baitul mal zaman rasulullah dengan baitul mal zaman kontemporer yang ada di Indonesia ini memiliki persamaan dan perbedaan di dalamnya, hal tersebut menjadikan konsep dan tata kelola dari baitul mal ini mengalami perubahan dan evolusi perkembangan yang pastinya ada kelebihan dan kekurangan masing-masingnya. Tujuan  penelitian  ini  untuk  menganalisis  evolusi perkembangan  baitul  mal dalam tinjauan historis Islam. Penelitian ini menggunakan metode dengan pendekatan  kualitatif  melalui  studi  pustaka  (library  research)  dari berbagai bahan pustaka (referensi) yang relevan. Hasil penelitian menunjukkan bahwa evolusi perkembangan Baitul Mal dalam tinjauan historis Islam mencerminkan adaptasi sistem ekonomi dan sosial Islam terhadap perubahan zaman. Meskipun mengalami pasang surut selama berabad-abad, konsep keadilan sosial dan redistribusi kekayaan tetap menjadi inti dari peran Baitul Mal dalam masyarakat khususnya umat muslim.
Peran Zakat Produktif Dalam Mendukung Perkembangan Industri Halal: Kajian Filantropi Islam Lazis Unisia Yogyakarta Lusiana, Dewi; Irchamni, Isna Arifa; Azizah, Siti Nur
Jurnal Ilmiah Al-Tsarwah Vol 7, No 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i2.8161

Abstract

Sebagai negara dengan umat Islam terbesar di dunia, Indonesia memiliki potensi dalam mengembangkan industri halal. Akan tetapi terbatasnya sektor modal menjadi penghambat dalam mengembangkan industri tersebut. Meski pun le mbaga ikut keuangan syariah andil dalam mendukung industri halal. Maka diperlukan lembaga lain untuk membantu dalam hal mengembangkannya , misalnya lembaga zakat. Tujuan dari penelitian ini yaitu peran mengetahui zakat produktif dalam mendukung perkembangan industri halal. Selain itu untuk mengetahui apa saja faktor yang mendukung dan menghambat dalam mengembangkan industri halal. Metode penelitian yang digunakan dalam penelitian ini adalah deskriptif kualitatif. Objek penelitian ini adalah LAZIS UNISIA Yogyakarta. Hasil penelitian menunjukkan bahwa adanya pendistribusian zakat produktif dapat meningkatkan perekonomian masyarakat , sehingga mengubah nasib seorang mustahik menjadi muzaki . Adapun faktor pendukung dalam mengembangkan industri halal, yaitu hadirnya duku ngan dari berbagai pihak hingga lembaga zakat , dan melimpahnya modal yang dimiliki lembaga tersebut. Sedangkan faktor penghambatnya, yaitu terbatasnya SDM lembaga zakat, kemudian mustahik kurang konsisten dalam menjalankan program industri halal.  
Adopsi Fashion Halal Pada Wanita Sosialita : Teori Planned Behaviour Ardi, Muhammad; Srigandawati, Srigandawati; Mahdin, Mutiyah; Haslindah, Haslindah
Jurnal Ilmiah Al-Tsarwah Vol 7, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i1.6853

Abstract

This study analyzes the influence of religiosity, attitudes and subjective norms on Halal Fashion Adoption through the mediation of intention. This research is a correlational survey research with the support of questionnaire data from 200 respondents from Socialite Females in Bone. Data analysis and hypothesis testing were carried out through structural equation modeling. This test was carried out through three testing stages, namely: EFA test which was analyzed using the SPSS software application, CFA test and SEM (Structural Equation Modeling) test using the LISREL version 8.70 statistical application. The results show that socialite females in Bone districs rejects the Planned Behavior Theory and must be supported by other theories. The use of halal fashion is only influenced by Subjective Norms and intentions are influenced by the behavior of adopting halal fashion. However, there is also the potential for religiosity and attitudes to influence this behavior. It was found that socialite females in using halal fashion only followed what was trending.
Implementasi Akad Ijarah Muntahiyah Bit Tamlik Pada Pembiayaan Bank Syariah Di Indonesia Arief, Fitriani; Sapa, Nasrullah Bin; Haddade, Abdul Wahid
Jurnal Ilmiah Al-Tsarwah Vol 7, No 1 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i1.7055

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi akad IMBT pada pembiayaan bank syariah di Indonesia, dengan fokus pada faktor pendukung dan penghambat. Data diperoleh melalui pendekatan kualitatif dengan desain deskriptif dari berbagai sumber literatur, laporan keuangan, dan regulasi terkait. Hasil penelitian menunjukkan bahwa regulasi dari Bank Indonesia dan Fatwa DSN-MUI, serta meningkatnya pemahaman nasabah, mendukung implementasi akad IMBT di Perbankan Syariah. Namun, terdapat beberapa tantangan dalam implementasi akad IMBT yaitu  kurangnya pemahaman nasabah tentang akad IMBT, kompleksitas operasional, risiko kredit yang lebih besar, dan risiko pemasaran yang tinggi.
Sistem Pengelolaan Dana Pensiun Lembaga Keuangan Pada Pt Bank Muamalat Cabang Pembantu Bone Muis, Musrini; Anugrah, Suci Mutia; W, Wilda
Jurnal Ilmiah Al-Tsarwah Vol 7, No 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v7i2.7596

Abstract

Bank Muamalat Indonesia Tbk memiliki program dana pensiun yang menawarkan kemudahan dan fleksibilitas kepada nasabah dan karyawannya untuk mempersiapkan masa tua dengan lebih baik. Program ini bertujuan memberikan jaminan, keamanan, dan kebahagiaan di masa pensiun. Penelitian ini dilakukan melalui metode penelitian lapangan. Hasilnya menunjukkan hal-hal berikut: Pertama, PT Bank Muamalat Capem Bone menerapkan pengelolaan dana pensiun yang ketat sesuai prinsip syariah, dengan beragam investasi dan komitmen pada keamanan dana. Mereka mengelola kontribusi dana dengan hati-hati, mengelola risiko, dan memberikan informasi transparan kepada peserta dana pensiun. Kedua, kontribusi dari PT Bank Muamalat Capem Bone bervariasi sesuai dengan kesepakatan antara perusahaan dan Dana Pensiun Lembaga Keuangan (DPLK), serta ketentuan yang berlaku, dapat disesuaikan dengan gaji karyawan. Perusahaan juga memberikan kontribusi tambahan sebagai insentif, bergantung pada kebijakan perusahaan dan masa kerja karyawan. Ketiga, kendala dalam pengelolaan dana pensiun meliputi perubahan regulasi yang tidak konsisten, fluktuasi pasar yang tidak terduga, tingkat kesadaran dan partisipasi karyawan yang berbeda-beda, serta pengaruh faktor eksternal seperti suku bunga dan inflasi.

Page 9 of 11 | Total Record : 105

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