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Jurnal Aksioma Al-Musaqoh
Published by Sekolah Tinggi Agama Islam La Tansa Mashiro
ISSN : 27212947     EISSN : -     DOI : -
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Education
Jurnal Aksioma Al-Musaqoh dikelola Program Studi Ekonomi Syariah dan diterbitkan oleh LPPM STAI La Tansa Mashiro. Sejak Volume 1 Nomor 1 Januari 2018, sebagai terbitan perdana, berkala dengan Frekuensi terbit yakni dua kali dalam setahun yaitu bulan Juni dan bulan Desember.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 62 Documents
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Analisis Konsep Utang Menurut Perspektif Ekonomi Syari’ah Deden Hidayat
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6, No 1 (2023): JUNI 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i1.900

Abstract

Debt is a common thing that happens among people. Someone can be in debt for various reasons. Both to meet basic needs (dhorury) or other needs that are hajiyah (secondary) in nature such as housing, clothing to cover the genitals and tahsiniyat (complementary) needs such as cars, motorcycles, cellphones, watches and others. Islamic Shari'ah allows adherents to be in debt, provided that the debt is paid at a later date. Don't forget, delay payments or even deliberately owe with the intention of not paying. This act is very despicable, because it includes acts of tyranny, consuming other people's property without rightsKeyword: Debt, Shari'a,  Economy
Analisis Implementasi Akad Qardhul Hasan Terhadap Peningkatan Pendapatan Penerima Manfaat Puri Rohmatullah
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6, No 1 (2023): JUNI 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i1.902

Abstract

Non-bank financial institutions are an alternative form for business actors in finding solutions to meet the need for additional capital, the mechanism of which is not onerous and relatively easy. The Amil Zakat Harapan Dhuafa Institute is an institution that provides an alternative by providing capital assistance in the form of a Qardhul Hasan contract. This study was to analyze the effect of the qardhul hasan contract program on increasing beneficiary income. The method used is quantitative, measured using several indicators, namely increased income, operating profit, and increased consumers. Based on the results of the study, it was shown that the lending program using the qardhul hasan contract had a positive and significant effect on increasing the income of beneficiaries in the city of Serang with the results of the t-count test which showed that the t-count value was 5.014 from t-table, which was 2.160. So that the Qardhul Hasan Agreement affects the Increase in Beneficiary Income.Keywords: Qardhul Hasan Contract, Increased Income
Transaksi Online Terhadap Perubahan Pola Konsumsi Mahasiswa Menurut Perspektif Ekonomi Syariah Maskur, Maskur; budiman, Budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6 No 1 (2023): JUNI 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i1.897

Abstract

With technological advances, it is possible to do activities easily and quickly, including online shopping. In Islam, all life has rules that become guidelines as well as in terms of muamalah, the basis of muamalah law is permissible as long as there is no evidence that forbids it. This research is an empirical research conducted in 2022 which aims to test the hypothesis of online transactions on consumption patterns and how much influence online transactions have on consumption patterns. The method used is quantitative method with technique Based on the results of the research conducted, it is stated that (1) There is no significant influence between Online Shopping on Student Consumption Patterns. This is based on the significance value of the coefficients table with a significance of 0.278> 0.05 and based on the Fcount value of 1.225 < Ftable 4.196 so it can be concluded that the Online Shopping variable (X) has no significant effect on Student Consumption Patterns (Y). (2) The magnitude of the influence of Online Shopping on Student Consumption Patterns is 4%. This can be seen from the correlation value of the relationship (R) which is 0.205 with the output of the coefficient of determination (R square) of 0.042 or 0.042 <1, which implies that the independent variable (Online Shopping) on the dependent variable (Student Consumption Patterns) is 4%.Keywords: Online Transactions, Consumption Patterns, Sharia Economics
Analisis Karekteristik Produk Halal Pada Makanan Dalam Perspektif Ayat Ahkam Maskur Maskur Maskur
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6, No 1 (2023): JUNI 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i1.898

Abstract

Food is not only important to meet human needs for food, but food is also closely related to culture, including technology, social organization as well as societal trust. Consumption of food is a logical consequence of human existence as living beings. Shari'at views that the consumption of food within its minimum limit to maintain existence and preserve life is an obligation, especially if the motivation and purpose of consuming food is to generate energy to carry out the rituals of Shari'ah worship. The formulation of the main problems of this study are: what is the product halal in food in the perspective of the verses of ahkam? what are the characteristics of halal products in food in the perspective of the verses of ahkam? The study in this paper uses normative legal research methods with a conceptual approach, because what is studied in this paper is the concept of halal certification and labeling which is reviewed from a juridical and normative view of Islamic law in the perspective of verse ahkam. The juridical analysis departs from ahkam verses related to the halal aspect of food.               The results of this study indicate that halal products in food are halal products that have been declared halal in accordance with Islamic law and according to the verses of the Koran which explains the syar'i law or determines (istinbat) syar'i law based on these verses.  Halal products have characteristics that become a reference, namely the nature, origin, as well as ways of processing food that indicate Muslim consumers. The criteria for halal eating in Islamic law such as; does not contain pork and ingredients derived from pork, not intoxicating or not khamr or its derivative products, Materials derived from animals must come from halal animals and slaughtered according to Islamic law, not included in the unclean category such as carrion, blood, dirt and others; and all storage, sale, processing, management and means of transportation for halal products may not be used for pigs or non-halal goods. If it has been used for pork or other non-halal and then it will be used for halal products, then it must first be cleaned according to the method regulated according to Islamic law.Keyword: characteristics, halal products, food, ahkam verses
Transaksi Jual Beli Dalam Etika Bisnis Islam (Studi Kasus Aurashafa Collection Rangkasbitung) Noorma Yunia
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6, No 1 (2023): JUNI 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i1.899

Abstract

In this study, researchers found several problems that occurred in the Aurashafa Mumtazah Sewing House in Nameng Village, Rangkasbitung District and formulated as follows: 1) How is the business ethics conducted by the ASM sewing house when conducting transactions? 2) Is the business ethics applied by the ASM sewing house in accordance with Islamic economic law? And the objectives are 1) to determine the application of business ethics in the Aurashafa Mumtazah sewing house 2) to describe the business ethics applied in accordance or not in accordance with Islamic economic law. This research uses a qualitative method by conducting a case study approach. The application of Islamic business ethics is an important element of the establishment of a business in order to continue to develop and advance in the field of commerce. Islamic business ethics is the duty (taklif) of man to be a caliph on earth, which in the translation of business ethics language is formulated as an agent of development. Based on the data analysis carried out, it can be concluded that the results of research on the application of Islamic business ethics in the aurashafa mumtazah (ASM) sewing house are two differences from 2016 to 2020, where in 2016-2018 the application of ethics in the ASM sewing house was quite good even though it only applied business ethics in general, while in 2019-2020 the application of ethics in the ASM sewing house decreased due to pandemic factors, employee turnover and others. The conclusion is that the application of Islamic business ethics in the aurashafa mumtazah (ASM) sewing house has not been implemented perfectly because only general business ethics have been applied.Keyword : Islamic business ethics, Sale and purchase transactions
Dampak Destinasi Wisata Halal Terhadap Pemanfaatan Potensi Ekonomi Kreatif Bagi Masyarakat Di Gunung Luhur Negeri Di Atas Awan Deden Hidayat; budiman budiman
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.v3i2.957

Abstract

Determining the potential of the economic sector in regional development is important as an effort to allocate available resources appropriately. The potential growth of the economic sector in an area is believed to encourage the growth and development of other economic sectors in the local area and the economy of the surrounding area. The research uses descriptive qualitative methods to explain existing phenomena with developed economic potential. The results of research and field observations in the economic field of this study produce data on the economic field and the income generated either in the tourism sector or sectors outside of tourism. Like a gold mine of trade outside the country's tourist destinations above the clouds and agriculture. Community income from the tourism sector has a component of 33% and outside the tourism sector has a higher level of 67%. This result is in accordance with the geographical and cultural location of the community in which 90% of their livelihood is farming. For them, income outside of farming is just an addition, not a main source of livelihood. Judging from the income obtained by K1 as much as 13% in the tourism sector and 30% outside the tourism sector. Then K2 in the tourism sector as much as 12% and outside the tourism sector as much as 17%. In K3 8% and 20% in the non-tourism sector. So it can be concluded that the level of utilization of the creative economy sector can be utilized even though it is not maximized.Keywords: Halal Tourism, Economic Potential, Income, Community
Pengaruh Pembiayaan Mikro Syariah Dalam Mengembangkan Usaha Di Kabupaten Lebak Maskur Maskur; budiman budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 2, No 2 (2019)
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v2i2.958

Abstract

This research is motivated by the fundamental problem of Islamic banking which has an important role in the development of the community's economy in financing the microeconomic sector, banks have demands to pay attention to the small business sector, especially related to financial limitations. in developing micro businesses of independent Islamic bank customers in Lebak district, the problem formulation in this study is as follows: (1) What is the mechanism of sharia microfinance applied by Bank Syariah Mandiri, (2) What is the concept of Akad used in microfinance at Bank Syariah Mandiri, (3) How is the implementation of microfinance in helping to develop micro businesses in Lebak district? The purpose of this research is to find out and describe microfinance, and find out how the contracts used in sharia microfinance, and to find out the implementation of microfinance in developing micro businesses of Bank Syariah Mandiri customers in Lebak Regency. This research uses quantitative research methods with a quantitative descriptive analysis approach, then from 58.8% because the selling price (poko + margin) offered is quite light, 23.4% think otherwise. 43.4% felt that there was no capital solution in microfinance and 56.6% stated that microfinance really provided capital solutions for micro, small businesses. 36.6% stated that microfinance makes it difficult for them to do business, and 63.4% stated that microfinance does not make it difficult at all. Then 53.4% stated that microfinance at independent Islamic banks had elements of usury, and 46.6% stated that microfinance at independent Islamic banks had no elements of usury. Then 84.4% of sales results are getting better, 16.6% of sales results are normal. As well as 46.6% there was an increase in working capital in micro businesses, 54.4% there was no increase in capital. 33.4% of businesses run developed 66.6% of businesses run normally, 36.0% the level of income increased 16.0% the level of business income did not increase, then from 64.0% the profit from business results increased 0.4% it was normal.Keywords: Financing, sharia, business
Analisis Perbandingan Sistem Ekonomi Kapitalis Dengan Ekonomi Islam Dewi Rahmi Fauziah; Sarkani Sarkani
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6, No 2 (2023): Desember 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i2.961

Abstract

The capitalist economic system is an economic system based on a principle often called the free market and private ownership of economic resources. Meanwhile, Islamic Economics is a science that discusses human behavior in meeting the needs of life based on the rules of Islamic religion. So in designing this research has the aim of comparing a capitalist economic system with Islamic economics in economic, social and ethical aspects. The capitalist economic system is based on the principle of private ownership and competition to achieve economic efficiency in the free market principle, while the Islamic economy involves the principles of justice, sustainability, and equitable distribution of wealth. The research method uses a qualitative approach through extensive, comprehensive literature research, document analysis, and previous journals related to the topic. The data were analyzed to identify the differences, strengths, and weaknesses of each economic system and the associated social and ethical implications. The results of this study show that the capitalist economic system has advantages in promoting economic growth, innovation, and individual financial freedom. However, it also causes significant economic inequality, social inequality, and environmental impacts. The Islamic economic system emphasizes social justice, balance, and participation in productive economic activities. This study provides a better understanding of the differences, strengths, weaknesses, of the capitalist and Islamic economic systems. The study also provides a more comprehensive picture of the social and ethical implications of the two systems. The results of this research study are expected to form the basis for a more inclusive and sustainable future economic policy that combines the strengths of both systems and minimizes the weaknesses. Keywords: Islamic Economy; Capitalist Economy; Qualitative; Comprehensive; Comparison;
Pengaruh Konsep Menabung Dengan Sistem Lumbung Padi Terhadap Kesejahteraan Masyarakat Menurut Perspektif Ekonomi Islam Di Desa Citorek budiman budiman; Deden Hidayat
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 4, No 1 (2021): JUNI 2021
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v4i1.964

Abstract

In general, Wewengkon Citorek is surrounded by mountains and resembles a valley, with its strategic location on flat and wide land surrounded by high mountains. The majority of the community's livelihood is farming (not farm labor). To fulfill the needs of life, both clothing and food, the community generally relies on agricultural products, especially agriculture in the field of rice (sawah) which is only harvested for one year. In addition, there are also people who work in trade or other economic activities. Until now, rice as an agricultural product is the main priority for the life of the Citorek community and is a superior commodity. From the above, it can be concluded that the level of economic capability of the community can be divided into three phases, namely 30% of the community is well-off, 40% of the community is moderately well-off, less well-off and below the poverty line reaches 30%. This is due to the unavailability of jobs that can open up the community's economic path. The discussion in this research can be formulated as follows: How is the saving system with rice barns done by the middle citorek community and how much influence it has on the welfare of the community. This research aims to find out the system of saving rice barns in the village of Central Citorek and the extent of its influence on community welfare. It is seen from the opinion that is stored in the barn. The data used in this study are primary data obtained from direct research results by means of intervew. Then the data that has been obtained is processed using SPSS.16.00. and the analysis used is simple regression analysis with the Ordinary Least Square (OLS) method. From the results of the analysis and processing of Spss.16.00, it is concluded that the system of saving with rice granaries on the welfare of the community has a very high relationship, namely, 0.994 is above 0.90 and this is in accordance with 66% of the people of Citorek Tengah Village out of 100% are farmers. and the effect of saving with rice granaries affects welfare up to 98.8% and the other 1.2% is influenced by variables outside the study, namely traders, services and craftsmen. thus it can be seen how much influence saving with the rice granary system on community welfare. Keywords: Saving, Management, Lumpung Padi, Welfare 
Analisis Iklim Lingkungan Kerja Terhadap Peningkatan Kinerja Karyawan Ahmad Faisal Hadziq; budiman budiman
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 6, No 2 (2023): Desember 2023
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v6i2.993

Abstract

This study aims to determine: (1) the condition of the work environment at the National Amil Zakat Agency (BAZNAS) of Lebak Regency, (2) employee performance at the National Amil Zakat Agency (BAZNAS) of Lebak Regency, and (3) is there an influence between the work environment on employee performance at the National Amil Zakat Agency (BAZNAS) of Lebak Regency. This research is a correlational quantitative research using simple linear regression analysis. The population in this study were all employees of the National Amil Zakat Agency (BAZNAS) of Lebak Regency, totaling 22 employees. Probability sampling was taken by using simple random sampling technique with a sample of 22. The results showed the following. (1) The condition of the work environment at the National Amil Zakat Agency (BAZNAS) of Lebak Regency, falls into the good category with the categorization results, namely 11 who stated good. (2) Employee performance at the National Amil Zakat Agency (BAZNAS) of Lebak Regency, falls into the good category with the results of categorization, namely 10 who stated good. (3) There is a positive and significant influence between the work environment and employee performance at the National Amil Zakat Agency (BAZNAS) Lebak Regency, with a correlation coefficient (R) of 0.548 and a coefficient of determination of 0.300. This means that 30% of employee performance at the National Amil Zakat Agency (BAZNAS) of Lebak Regency is influenced by the work environment, while the other 70% is determined by other variables not explained in the study.Keywords: work environment, employee performance.

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