cover
Contact Name
Dian Febriyani
Contact Email
diaanfebr@gmail.com
Phone
+6281510162013
Journal Mail Official
muamalatuna@uinbanten.ac.id
Editorial Address
Jl. Jenderal Sudirman No. 30 Serang Banten
Location
Kota serang,
Banten
INDONESIA
MUAMALATUNA
ISSN : 20853661     EISSN : 2685774X     DOI : http://dx.doi.org/10.37035/mua
Core Subject : Economy,
Muamalatuna is a periodical saintific publication managed by the Department of Hukum Ekonomi Syariah (Islamic Economic Law) Faculty of Sharia UIN Sultan Maulana Hasanuddin Banten. Focus and scope of Muamalatuna is : 1. Islamic Bussines Law 2. Islamic Bussines Ethics 3. Islamic Economic Thought
Articles 82 Documents
Alokasi Dana Amanah Pemberdayaan Masyarakat Lembaga DAPM Kecamatan Konda Dalam Persfektif Hukum Ekonomi Abdul Wahid Mongkito; Muhamad Turmudi; Andi Dwi Indah Putri
MUAMALATUNA Vol 14 No 1 (2022): Januari-Juni 2022
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v14i1.6448

Abstract

Micro-enterprises are one of the components that have a large enough contribution to create jobs in Indonesia, Micro, Small and Medium Enterprises (MSMEs) contributed Rp. 8,573.9 trillion to the Indonesian economy in 2020. However, the potential possessed by MSMEs is not without its weaknesses. especially in terms of capital. To overcome this, the government launched a revolving fund program called the Community Empowerment Allocation Fund (DAPM). The type of research carried out is qualitative research with case study methods on the management of the DAPM program in Konda District. The data used are primary and secondary data through observation, interviews and document studies. The results of this study indicate the allocation of DAPM revolving funds in Konda District in two group categories, namely the Women's Savings and Loans (SPP) and the Productive Economic Business Group with a payback period of up to 20 months. The DAPM institution takes a 1.5% service benefit in monthly installments, as well as a fine if you are late paying off the installments. This practice is contrary to sharia economic law, which is included in usury qardh and usury nasi'ah. The percentage of the population of Konda District reaching 97.83 Muslims needs to be given an alternative contract, based on in-depth research on the community's need for revolving funds, the researcher offers it in the form of Murabahah and Istisna contracts for buying and selling transactions, as well as Mudharaba and Musyarakah contracts for business development.
Implementasi Fatwa DSN MUI No. 75/DSN-MUI/VII/2009 Terhadap Bisnis MLM Syariah (Studi di PT. Best Serang) Seyella Amanda Luthfia; Dedi Sunardi; Nita Anggraeni
MUAMALATUNA Vol 14 No 1 (2022): Januari-Juni 2022
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v14i1.6310

Abstract

Microsoft Office Translator Microsoft Office Translator English translation. Multilevel Marketing is also called network marketing because there are more and more members and form a network. The presence in the modern era world makes business opportunities for people who want to change their finances for the better and be free from debt by that reason this opportunity is one of the goals that are in demand by people who want to be quickly free from debt problems. PT. Bandung Eco Sinergy is a PLBS (Sharia Tiered Direct Sales) company or multilevel marketing. This company not only focuses on selling products but by expanding the network will also get benefits, besides that the products sold are relatively expensive compared to similar products and the rewards given are worth billions and make it attractive for people to join the business in this company. The company also claims to be in accordance with sharia and has received certification from DSN-MUI.
Foreign Workers in Indonesia: A Literature Study of The Islamic Perspective Andrean, Rizky; Safi'i, M. Aris; Surur, Achmad Tubagus
MUAMALATUNA Vol. 15 No. 1 (2023): Januari-Juni 2023
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to describe foreign workers in Indonesia from an Islamic perspective. This research is a literature study using a qualitative research approach. This research uses secondary data that comes from the publication of scientific journal articles, the results of previous studies, and other reference sources that are relevant to the matter being studied. The development of globalization encourages the movement of labor between countries, giving rise to foreign workers. Foreign workers are every person who is not an Indonesian citizen who can do work, both inside and outside the employment relationship, to produce goods or services to meet the needs of society. Foreign workers can have positive and negative impacts on domestic employment conditions. Therefore, the government needs to make regulations regarding foreign workers. The policies issued by the government to regulate foreign workers in Indonesia must be fair. Labor from an Islamic perspective is a partner towards achieving common prosperity that must be treated humanely, including if the workforce is foreign workers. From an Islamic perspective, foreign workers should be respected according to their proportions based on general rules and norms that apply. The existence of foreign workers should be a momentum to advance the nation’s economy.
Pesantren And Community Economy : (Study Of The Effectiveness Of Micro Waqf Bank (BWM) Pesantren In Sumenep) Zaid Raya Argantara
MUAMALATUNA Vol. 15 No. 1 (2023): Januari-Juni 2023
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v15i1.7909

Abstract

The existence of pesantren is required to respond to social phenomena that occur from time to time, pesantren play the first role in social change, especially in its three main objectives, namely; (1) As an institution in the development of ulama (2), as a form of resilient Human Resources (HR), and (3), as a community development institution. BPS data states that Sumenep City is ranked in the top three with poor populations in East Java. One of the community empowerment institutions at this time is the Islamic micro waqf bank (BWM) managed by pesantren. This research measures the level of effectiveness of community empowerment through Islamic micro waqf banks managed by pesantren in the city ofumenep. This study uses descriptive qualitative methods with data collection sources through interviews, observation and documentation, descriptive qualitative approaches are used in this study to determine the effectiveness of Islamic micro waqf banks (BWM) managed by pesantren. The population in this research is BWM located in the city ofumenep, namely in BWM Al-Pend Barokah Mandiri and BWM Kariman Birajuda Al-Karimiyah. The efforts of sharia microfinance institutions (BWM) Al-Pend Barokah Mandiri and BWM Kariman Birajuda Al-Karimiyah in conducting community economic empowerment are by providing financing without collateral and interest, and providing routine assistance every week. The effectiveness level of BWM Al-Pend Barokah Mandiri and BWM Kariman Birajuda Al-Karimiyah is at a percentage level of 87%, this rating explains that BWM Al-Pend Barokah Mandiri and BWM Kariman Birajuda Al-Karimiyah Islamic boarding schools are currently included in the moderately effective category.
The Effect of Product Promotion Strategy and Service Quality on Customer Satisfaction with Social Media as an Intervening Variable for Bank Syariah Indonesia Customers at UIN K.H. Abdurrahman Wahid Pekalongan Imani, M. Fathrezza; Adinugraha, Hendri Hermawan
MUAMALATUNA Vol. 15 No. 1 (2023): Januari-Juni 2023
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v15i1.8026

Abstract

The position of humans as social beings in meeting their needs cannot be produced by the individual himself. Therefore he needs to work together and needs help with others, one of which is an Islamic Financial Institution. As a result, Islamic Financial Institutions here have an important role in today's modern economy and to assist people in meeting their needs. Along with changing patterns of competition, a company requires an assessment of the elements that can affect its competitive ability to achieve the goals implemented, including Indonesian Sharia Banks that are included in the scope of Islamic Financial Institutions. This type of research is field research with a quantitative research approach. The population in this study are BSI customers who are domiciled in the former Pekalongan Residency area. While the sampling was carried out according to the Lemeshow formula with a total sample of 200 respondents. Sources of data in this study are primary data and secondary data. Data collection method used is the distribution of questionnaires. And the method of analysis used is through Path Analysis, where the Social Media variable is positioned as an intervening variable. Based on the research results, two path test equations were obtained. The result of testing these two equations is that there is an influence on the two independent variables used, namely the Product Promotion Strategy and Service Quality variables on Customer Satisfaction, either directly or indirectly through the Social Media variable. Keywords: Product Promotion Strategy, Service Quality, Customer Satisfaction, Social Media.
Analysis of Buying and Selling Mystery Boxes on the Online Marketplace in the Islamic Law Perspective Mabruroh, Mabruroh; Sunardi, Dedi; Tarihoran, Naf'an; Sanusi, Ahmad; Usman, Usman
MUAMALATUNA Vol. 15 No. 1 (2023): Januari-Juni 2023
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v15i1.8157

Abstract

Buying and selling is an activity in everyday life and has a long history for humans, it has become a daily social interaction, humans cannot live alone but must help each other in every matter, this also happens in the matter of buying and selling, in Islamic law this is has been regulated as well as the legal process, because this buying and selling activity can also cause doubts or damage to goods where it cannot be ascertained how the quality sold, in the online marketplace there are activities using this scheme, we try to analyze the Islamic religious perspective for this scheme. This research uses a qualitative research approach, which boils down to literature research methods, and collects source sources from Books, E-books, E-journals, Thesis, Qur'an and Hadith. The results of the analysis of this study show that buying and selling (Mystery box) on the online marketplace in the online buying and selling scheme some opinions related to jurisprudence show permissible, but Imam Shafi'i forbids it because it can be called buying and selling with the Gharar method
Auction Practices Viewed from Islamic Business Law Jamaludin Jambunanda, Ahmad; Wiratama, Reva; Sunardi, Dedi
MUAMALATUNA Vol. 15 No. 1 (2023): Januari-Juni 2023
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v15i1.8172

Abstract

Auction is a system of buying and selling transactions with certain terms and conditions that are adjusted to the agreed contract between the seller and the buyer. The auction system is also explained in Islamic law. So this study aims to determine the auction technique with Islamic business law. Islamic business law is a provision that explains the rules of trading with Islamic advice according to the guidelines of the Al-Qur'an and As-Sunnah. One of them is the discussion of auction practices in Islamic business law which is often carried out by today's society. Auction practice is part of the process of buying and selling goods using different techniques, but having certain terms and conditions in common. In fact, the practice of auctions is approved and permissible with clear Islamic business law recommendations and does not have a negative impact in the future. The community needs to understand and carry out auction practices in accordance with the requirements and provisions that apply to Islamic business law.
Analysis of the Financial Statements of PT. Sumber Alfaria Trijaya Tbk. to Assess the Company's Performance Before and During the Covid-19 Pandemic Khrisna Sri Prihatin
MUAMALATUNA Vol. 15 No. 1 (2023): Januari-Juni 2023
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v15i1.8338

Abstract

This study to assess the company’s performance financial uses a quantitative descriptive approach with the object of research on financial statements, where in this study uses four financial ratios, namely liquidity ratios, solvency ratios, profitability ratios and activity ratios for assess the company's performance. The results of the financial ratio analysis, the current ratio in 2018 was 1.15, in 2019, 1.2 and in 2020 it was 0.88. Quick ratio in 2018 was 0.50, in 2019 it was 0.55, and in 2020 it was 0.39. The debt to asset ratio in 2018 was 0.73, in 2019 it was 0.71 and in 2020 it was 0.70 while the debt to equity ratio in 2018 was 2.68, in 2019 it was 2.48 and in 2020 it was 2.40. Return on assets in 2018 was 3.0, in 2019 it was 4.7 and in 2020 it was 4.2. While the return on equity in 2018 was 11.10, in 2019 it was 16.54 and in 2020 it was 14.25 and total asset turnover in 2018 was 3.03, in 2019 it was 3.16 and in 2020 it was 3.03 and working capital growth in 2018 was 11.86, in 2019 it was 11.30 and in 2020 it was 10.44. From the results of the analysis, it shows that there is a decline in company performance during the pandemic.
The Marketing Strategy for Convection Production Results in Samong Village, Ulujami District, Pemalang Pujianto, Eko; Adinugraha, Hendri Hermawan
MUAMALATUNA Vol. 14 No. 2 (2022): Juli-Desember 2022
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v14i2.6593

Abstract

The digital era encourages convection entrepreneurs in Samong village to try new ways to market their products. With the emergence of marketplaces, goods-to-goods services that can reach almost all parts of Indonesia that provide convenience in marketing their products. The research aims to find out how to maintain and develop a convection business, how to market convection products in Samong village and how to influence the progress of the digital era on the marketing of convection products in Samong village. The research method used in this research is qualitative descriptive analysis method. The results obtained from this study, namely things that can be done to maintain the convection business are to improve and maintain product quality, harmonious relationships with employees, harmonious relationships with co-workers (distributors/clothing traders) and also use marketing strategies appropriate and effective. Meanwhile, to develop its convection business, namely by making new innovations in accordance with fashion trends, expanding the market as wide as possible and using digital media as a medium for marketing its products. The marketing strategy carried out by several resource persons is by collaborating with distributors and clothing traders, as well as expanding the market, as well as with digital media. As for the influence of the progress of the digital era on the marketing of convection production, which was previously dominant by traveling around the market offering products, Cooperation with distributors and clothing traders began to switch to using digital media for marketing media.
Village Fund Management System Against Financial Reports and Revenue Budgets in Rowolaku Sa'adah, Naelu; Adinugraha, Hendri Hermawan
MUAMALATUNA Vol. 14 No. 2 (2022): Juli-Desember 2022
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v14i2.6613

Abstract

The Village Fund is a number of budgets received by the village every year originating from taxes, APBN, and Regency/City APBDes which are used to fund village development activities. This study aims to determine the meaning of village funds, how village funds are managed by the village government, how the financial accounting system for managing village funds is, and how the influence of the village fund management system on village financial reports. The research method used is qualitative research by conducting interviews and observations. The village fund management system will affect village financial reports. If there was a transaction that issued or received new cash, it would be recorded. Then with the development of technology, the accounting record system has changed from a manual basis to an accrual basic. From this change, the staff experienced difficulties due to the education level of the staff employees who only reached SMA/SMK equivalent which at the time they received minimal education in accounting learning. In this case, the village fund management system in Rowolaku Village, Pekalongan Regency has undergone a change, namely from a manual system to a computerized system where from these changes it is hoped that these problems can be resolved properly.