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Aksioma Al-Musaqoh
Published by Sekolah Tinggi Agama Islam La Tansa Mashiro
ISSN : 2721294     EISSN : 27973816     DOI : 10.55171/jam
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Education
Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies managed by the Islamic Economics Study Program STAI La Tansa Mashiro Rangkasbitung. Published twice a year, in June and December. The journal focuses on providing quality research in Islamic economics, banking and finance. This journal aims to cover topics that are important in modern Islamic economics and finance. The language used is Indonesian. The editor invites researchers, lecturers, reviewers, industry practitioners and observers to contribute.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 66 Documents
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ANALISIS LITERASI KEUANGAN MAHASISWA PADA JURUSAN EKONOMI SYARIAH DI RANGKASBITUNG Maskur Maskur; Budiman Budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 4 No 2 (2021): DESEMBER 2021
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v4i2.534

Abstract

ABSTRACTIn Indonesia, The practice of Islamic financial institutions was strengthened by the implementation of the banking law number 10 of 1998, and fatwa from Indonesian Council of Religious Scholars of bank rate prohibition. Islamic financial institutions must be accompanied by more comprehensive understanding of Islamic economics itself. In this case, the Islamic economic understanding not only be technical socialization, background and history but also moral and how they had to bring their selves in accordance with sharia (Ibnu Taimiyah). It must be work together between the government and scholars in guiding and encouraging the community in terms of life in accordance with Islamic law. Based on the background above, the researcher focused on what factors that affected students' understanding of finance. The objective in this research is describing the level of students’ financial literacy by gender, age, year in, GPA, place of residence, parental education level and income level of parents. This research conducted in Lebak with 86 respondents of economic syariah majoring, and using quantitative descriptive analysis method One Way Anova. It is used to compare the average (mean) more than two samples, hypotheses testing, to reject or accepted H0 based P-value if sig. <Α 0.05, H0 is rejected and if sig. > Α 0.05 then H0 is accepted. The lowest value was 4% and the highest is 60%.The lowest is the respondents were able answer only one question from 25 questions, and The highest are the respondents were able to answer 18 questions correctly (60%). It was found that the mean of respondents is 7.74% and standard deviation of financial literacy mean (average) is 3,071. It can be concluded that the answers of the respondents was varied. The level of students’ literacy rate is divided into three parts, the highest, medium, and the lowest literacy. Only one respondent get the highest level (4%), and  one respondent get the medium level (4%), and the last 84 respondents get the lowest level (92%). So, it can be concluded that the students’ understanding of financial literacy is low, it was under <60%.Keywords: Gender, Age, Year In, GPA, Housing, Education Parents, And Income Parents, Financial Literacy.
ANALISIS KINERJA KOPERASI SIMPAN PINJAM (KSP) BERBASISIS SYARIAH DI KOPERASI KPRI BANGKIT KABUPATEN LEBAK Siti Nurasiah
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 3 No 2 (2020)
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v3i2.540

Abstract

Keuntungan dari kegiatan koperasi salah satunya yaitu dengan pembagian Sisa Hasil Usaha (SHU) kepada anggotanya. SHU yang diberikan koperasi sebagai pelayanan untuk memajukan kesejahteraan anggota koperasi. Dalam penelitian ini penulis menggunakan populasi berupa data keuangan sebanyak 5 tahun dan menggunakan sampel jenuh sebanyak 5 tahun. Adapun tujuan penulisan skripsi ini adalah untuk mengetahui analisis laporan keuangan. Penelitian dilakukan dengan menganalisis data laopran keuangan koprasi selama 5 tahun Untuk menganalisa data digunakan metode kualitatif yaitu mengurai hasil dari analisa laporan data keuangan pada koprasi tersebut.Setelah melalui perhitungan dengan menggunakan metode kualitatif yaitu menunjukan nilai sangat baik  yang berarti bertambahnya persediaan barang untuk dijual. Untuk Rasio Solvabilitas pada koprasi tersaebut menunjukan nilai baik. 100 karena pada tahun 2013 sampai dengan tahun 2017 memiliki persentase nilai debt to asset ratio <150%. Hal ini terjadi karena masih banyak persediaan yang sudah terjual. Dan Rasio Rentabilitas menunjukan nilai baik karena rasio return on asset dalam kritria  baik atau nilai 75 karena pada tahun 2013 sampai dengan tahun 2017 berada dalam persentase nilai 3% - <7%, meskipun demikian setiap tahun KPRI Bangkit mampu menghasilkan laba. Rasio return on equity dalam kriteria kurang cukup baik atau nilai 50 karena pada tahun 2013 sampai dengan tahun 2017 berada dalam persentase nilai 3% - 9% dan 9% - <15% meskipun demikan setiap tahun KPRI Bangkit mampu mengasilkan laba. Sedangkan untuk net profit margin dalam kritria sangat baik atau nilai 100 karena pada tahun 2013 sampai dengan tahun 2017 berada dalam persentasi nilai >15% ini menunjukkan bahwa koperasi mampu menghasilkan pendapatan dari hasil usaha koperasi.Dari hasil penelitian dapat disimpulkan bahwa Berdasarkan rasio dari aspek produktivitas Peraturan Menteri Negara Koperasi dan UKM RI No. 06/M.KUKM/V/2006 tentang Koperasi Berprestasi periode 2013 – 2017 memiliki rata - rata predikat C “Cukup”. Kata kunci : Laporan Keuangan, Kinerja Koperasi, Analisis Rasio Likuiditas, Rasio Solvabilitas Dan Rasio Rentabilitas
DAMPAK COVID-19 TERHADAP PELAKU UMKM (Studi Kasus Lebak, Banten) Noorma Yunia
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 4 No 2 (2021): DESEMBER 2021
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v4i2.542

Abstract

Sampaikan abstrak dalam bahasa Indonesia diusahakan maksimum 300 kata, yang secara Munculnya covid-19 Para pedagang kecil atau para pelaku UMKM mengalami kerugian besar pesat dengan adanya wabah covid-19 ini. Pembatasan aktivitas akibat covid-19 menimbulkan para pelaku UMKM terkendala dalam memenuhi kebutuhannya sehari-hari, dilihat dari penjualannya yang terganggu karena terkendala pembatasan, sulitnya dalam memasarkan produk, Pelaku UMKM kesulitan dalam memasarkan produk kepada konsumen, Bahkan bukan hanya ekonomi para pelaku UMKM saja yang mengalami kemerosotan melainkan ekonomi secara nasional. Dalam hal perumusan masalah, penulis mengamati a) Bagaimana dampak covid-19 terhadap pelaku UMKM, b) Apa solusi yang dapat di gunakan pelaku UMKM pada masa pandemi covid-19. Dilihat dari aspek metodologinya, maka penelitian ini menggunakan pendekatan kualitatif, dengan metode deskriptif, yang teknik pengumpulan datanya diambil berdasarkan hasil survei atau observasi dan dokumentasi. Subjek penelitian ini adalah pelaku UMKM dan objek penelitian ini adalah dampak covid-19 terhadap pelaku usaha di Desa Kadu Agung Timur, Cibadak, Lebak. Sebagai hasil penelitian : 1) Seharusnya para pelaku UMKM mendapatkan bantuan, bukan hanya masyarakat yang umumnya terkena dampak covid dan bantuan dari desa saja. Karena para pelaku UMKM pun lebih memerlukan bantuan untuk usahanya. Dan jika pemerintah memberikan bantuan jangan hanya sebagian dapat dan sebagian tidak harus dipukul rata semuanya menerima bantuan biar adil. 2) Mencari inovasi lain dalam berdagang atau mencari peluang usaha yang produknya banyak diminati oleh masyarakat sesuai dengan keadaan seperti sekarang ini. 3) Usaha online atau memakai media sosial, agar usaha tetap berjalan walaupun dalam keadaan Pandemi ini. Orang lain bisa membeli produk tanpa harus berkerumun ke tempat yang mengakibatkan terdampak Covid-19. Usaha ini akan lebih aman dan praktis jika di gunakan.Kata Kunci : Dampak Covid-19, Pelaku UMKM
ANALISIS PENDISTRIBUSIAN DANA ZAKAT BEASISWA PENDIDIKAN PROGRAM SATU KELUARGA SATU SARJANA (SKSS) DI BAZNAS PROVINSI BANTEN TAHUN 2015-2019 Siti Solehah; Dewi Rahmi Fauziah
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 4 No 2 (2021): DESEMBER 2021
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v4i2.561

Abstract

Penelitian ini bertujuan untuk menjawab Pertanyaan-Pertanyaan yang adadi Rumusan Masalah yaitu: Bagaimana Mekanisme Pendistribusian Dana Zakat Beasiswa Pendidikan Program Satu Keluarga Satu Sarjana (SKSS)? Dan Apakah Di Tahun 2015-2019 Implementasi Pendistribusian Zakat Pada Program Beasiswa Satu Keluarga Satu Sarjana Di Badan Amil Zakat Nasional Provinsi Banten Terlaksana Dengan Baik? Peneliti Menggunakan Pendekatan Kualitatif Dan Menggunakan JenisPenelitian Studi Kasus. Penelitian ini Menggunakan Wawancara, Observasi, dan Dokumentasi untuk teknik pengumpulan data. Dalam proses pengumpulan data, peneliti melakukan trianggulasi data dan meningkatkan ketekunan. Hal tersebut dilakukan peneliti untuk menguji keabsahan data dan digunakan untuk pengecekan data. Selain itu juga peneliti juga melakukan menyajikandata, danmenganalisis data secara sistematis. Penelitian ini menemukan, bahwa proses pendistribusian pada badan amil zakat nasional provinsi banten adalah pendistribusiannya dibedakan menjadi duakomponen, pertama secara di transfer langsung ke Bank yaitu untuk Biaya UKTdan secara cash untuk Living Cost.Kata Kunci: Pendistribusian, Beasiswa, BAZNAS
ANALISIS IMPLEMENTASI JAMINAN PRODUK HALAL TERHADAP PELAKU UMKM Dewi Rahmi Fauziah
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 4 No 2 (2021): DESEMBER 2021
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v4i2.559

Abstract

Dalam Undang-Undang yang menjelaskan tentang penetapan sertifikasi halal dinyatakan bahwa “Sertifikasi Halal harus ada pada setiap produk”, hal ini sedikit banyaknya bertentangan pada setiap produk yang belum memiliki Label Halal khususnya pada produk yang terdapat di Usaha Mikro Kecil dan Menengah (UMKM). Berdasarkan permasalahan tersebut, peneliti tertarik untuk mengambil judul “Analisis Implementasi Jaminan Produk Halal Terhadap Pelaku UMKM Rumusan masalah dalam penelitian ini adalah bagaimana sikap pelaku UMKM di Desa Jiput-Pandeglang terhadap Peraturan Pemerintah Nomor 39 Tahun 2021 tentang Penyelenggaraan Bidang Jaminan Produk Halal?, apakah Peraturan Pemerintah Nomor 39 Tahun 2021 tentang Penyelenggaraan Bidang Jaminan Produk Halal berpengaruh terhadap perilaku pelaku UMKM di Desa JiputPandeglang?, dan seberapa besar pengaruh Peraturan Pemerintah Nomor 39 Tahun 2021 tentang Penyelenggaraan Bidang Jaminan Produk Halal terhadap perilaku pelaku UMKM di Pandeglang? Adapun tujuan dalam penelitian ini yaitu untuk mengetahui sikap pelaku UMKM di Pandeglang terhadap Peraturan Pemerintah Nomor 39 Tahun 2021 tentang Penyelenggaraan Bidang Jaminan Produk Halal; Metode penelitian ini menggunakan metode penelitian kuantitatif, dengan teknik pengumpulan data melalui kuesioner, observasi, dan dokumentasi. Adapun teknik Sampling yang digunakan yaitu teknik Purposive Sampling yaitu peneliti secara sengaja menentukan orang yang akan dijadikan sampel dengan kriteria dan pertimbangan tertentu. Kesimpulan yang diperoleh dari penelitian ini adalah: Berdasarkan Output Coefficients diperoleh nilai thitung sebesar 2,162 > ttabel 2,048 dan nilai signifikasi 0,039 < 0,05 maka dapat disimpulkan bahwa Ho ditolak dan Ha diterima, artinya Penyelenggaraan Bidang Jaminan Produk Halal berpengaruh secara signifikan terhadap Perilaku Pelaku UMKM. Kata Kunci: Jaminan Produk Halal, Pelaku UMKM
PENGARUH PEMBERIAN KREDIT TERHADAP PROFITABILTAS (ROA) (Studi kasus PT Bank Rakyat Indonesia Tahun 2018-2020) Noorma Yunia
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 5 No 1 (2022): JUNI 2022
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v5i1.664

Abstract

The ability of a bank to generate profits (profit) will depend on the ability of bank management to manage assets and liabilities in the bank, and quantitatively can be assessed using Return On Assets (ROA). Therefore, one of the main types of analysis used to assess or measure the level of bank profitability ratios is Return On Assets (ROA). The ability of a bank to generate profits (profit) will depend on the ability of bank management to manage assets and liabilities in the bank, and quantitatively can be assessed using Return On Assets (ROA). Therefore, one of the main types of analysis used to assess or measure the level of bank profitability ratios is Return On Assets (ROA). to find out data on the effect of lending on profitability (ROA) at BRI Syariah. This study uses quantitative methods with statistical tests using the SPSS program. The secondary data source used in this study is data originating from the BRI Syariah monthly financial report document which is recorded and published at the website address: www.ojk.go.id from 2018-2020. in this study is the Return On Assets (ROA) at BRI Syariah based on the results of statistical calculations it can be stated that there is an effect of the Credit variable on the Return On Assets (ROA) variable but it is not significant. This can be seen from the value of sig. 0.134 is greater than the probability value (α=0.05), and tcount is 1.536b which is greater than ttable is 1.694. Meanwhile, from the results of statistical calculations, it is known that there is a positive relationship between Credit and Return On Assets (ROA). This can be seen from the correlation coefficient value of 0.262, meaning that the better the lending, the higher the Return On Assets (ROA) financial ratio will be.Keyword : Credit, Return On Assets (ROA)
ANALISIS STRATEGI PEMASARAN SYARI’AH TERHADAP TINGKAT PENJUALAN FASHION MUSLIM DI RANGKASBITUNG Maskur Maskur; budiman budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 5 No 1 (2022): JUNI 2022
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v5i1.665

Abstract

The number of various Muslim clothing sales centers resulted in consumers being given many choices of product types. making it difficult to increase the number of customers in the existing market so that it affects the level of sales. An appropriate marketing strategy is needed to win the competition with similar businesses. This research is a research that aims to test whether the Islamic marketing strategy has an effect on the level of sales and how much the influence of the Islamic marketing strategy on the level of sales. This research is a quantitative method with 43 research respondents. The analytical method used is simple linear regression analysis, classical assumption test, with partial regression test (t-test) and coefficient of determination test (R2). Based on the results of the research conducted, there is a significant influence between the Islamic marketing strategy on the level of product sales. With a significance of 0.001 < 0.005 and the value of t: the value of Fcount 8.436 > Ftable 2.01954, it can be concluded that the Islamic marketing strategy variable has a significant effect on product sales. The magnitude of the influence of the Islamic marketing strategy on the level of product sales is 63.4%. It can be seen that the correlation value (R) is 0.797 with an output coefficient of determination of 0.634 or 0 < R2 (0.634) < 1, stating that the Islamic marketing strategy has an influence on sales levels of 63.4%.
PENGARUH KUALITAS PELAYANAN TERHADAP TINGKAT KEPUASAN PELANGGAN QUDWAH MART DI LEBAK Ilmi Albadiah; Mahmudin Syukur
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 5 No 1 (2022): JUNI 2022
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v5i1.666

Abstract

Qudwah Mart is a minimarket brand that sells daily necessities such as food, drinks, stationery, and others.The formulation of the problem in this study is, first, how is Qudwah Mart's service quality, and second, how is the effect of service quality on customer satisfaction. While the objectives in this study are, firstly to determine the quality of service, the second to determine the effect of service quality on customer satisfaction. The method used is a quantitative method. Correlational quantitative method is research that aims to determine the effect or relationship between two or more variables. The population in this study amounted to 347 students while the samples taken were 52 students from the total population. The conclusion in this study is that the services provided so far to customers must always be improved so that customers are more satisfied and believe, Qudwah Mart Customer Satisfaction will be created if customers are satisfied with the products and services received. The results based on the (t test) show that service quality has a significant effect on customer satisfaction with the correlation value t count > t table (t count 9.387 is greater than the value t table = 2.008). The coefficient of determination test results obtained R Square of 0.638, which means that 63.8% of customer satisfaction is influenced by the service quality variable. The remaining 36.2% is explained by other variables. Keywords: Service Quality and Customer Satisfaction
DAMPAK USAHA MIKRO KECIL MENENGAH DOMPET MAS DI MASA PANDEMI COVID 19 (Penelitian Kualitatif Deskriptif di Lebak, Banten) Deden Hidayat
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 5 No 1 (2022): JUNI 2022
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v5i1.667

Abstract

Developments in the era of globalization are very dependent on the economic sector as a measure of success carried out by the government. The role of the community in national development, especially in economic development, is Micro, Small and Medium Enterprises (MSMEs). The position of MSMEs in the national economy has an important and strategic role. This condition is very possible because the existence of MSMEs is quite dominant in the Indonesian economy. MSMEs after the economic crisis continued to increase from year to year. This also proves that MSMEs are able to survive in the midst of an economic crisis. MSMEs are also proven to absorb a larger workforce in the national economy. With the number of workers absorbed, the MSME sector is able to increase people's income. Thus, MSMEs are considered to have a strategic role in reducing unemployment and poverty. For the contribution and role of MSMEs, it is important for the government to continue to support MSMEs through strengthening so that their role as pillars in building the nation's economy can run optimally.Keyword : Micro, Small and medium, enterprises Gold Wallet, Covid-19 Pandemic
PERSEPSI MASYARAKAT TERHADAP PENDIDIKAN DAN EKONOMI DI MASA PANDEMI COVID-19 Dewi Rahmi Fauziah
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 5 No 1 (2022): JUNI 2022
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v5i1.668

Abstract

Knowledge is an alternative path that is needed by many people, because without knowledge, life is like darkness. Likewise with the economy, education without a strong economy also cannot run well, because the economy is very supportive of education. With the current condition of the world which is experiencing the Global Pandemic Corona Virus Disease-19 (Covid-19) as stated by the World Health Organization (WHO) on March 11, 2020.            The method used is descriptive qualitative method, where the data obtained in the field will be analyzed by revealing trends in thoughts and opinions to obtain more in-depth data from a literature review as well as by conducting interviews.            The results of this study show that the Covid-19 disruption has indirectly changed the mindset of the education and economic community. This pandemic has completely disrupted the education system. Schools that initially focused on traditional academic skills suddenly have to move to online learning which is more inclined to provide opportunities for critical thinking skills and adaptability. To encourage economic growth to continue in the midst of the economic crisis due to the COVID-19 outbreak, the Indonesian government has issued a stimulus which is summarized in 3 stimuli, namely fiscal stimulus, non-fiscal and the economic sector.Keyword : Pendidikan, Ekonomi dan Covid-19

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