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Ahmad Lutfi
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El-kahfi : Journal of Islamic economics
Published by Sekolah Tinggi Ekonomi Syariah Manna wa Salwa
ISSN : -     EISSN : 27226557     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Elkahfi : Jurnal Ekonomi Islam is a peer-reviewed and open-access platform that focuses on Islamic Economics and Business. The aim of Elkahfi is to be an authoritative source of information on it’s focused. The scope of Elkahfi are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic insurance; islamic accounting
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 135 Documents
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Jua Basambuik Pohon Kelapa Ditinjau Dari Hukum Islam Afif, Rifqul; Yunimar
El-kahfi | Jurnal Ekonomi Islam Vol 3 No 01 (2022): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v3i01.116

Abstract

This research is a qualitative research, after the data is collected, the data is processed and analyzed by re-examining the data obtained in each question according to the problem being studied, describing what is obtained from the research results, and conclusions that conclude the data to answer each of the overall problems. researched. Based on the results of the analysis obtained, it was concluded that the implementation of coconut tree basambuik in Nagari Gunung Padang Alai was canceled because the pillars and conditions of ijarah were not fulfilled. The pillars and conditions that are not fulfilled are: first, the benefits that are the object of the ijarah must be fully known so that there will be no disputes in the future, both in terms of the type, nature and conditions of the goods to be rented or the work to be carried out. Second, sighat in the contract is very important because it is from the clarity of sighat that it becomes an understanding of the implementation of the ijarah, because sighat is a form of agreement from both parties to carry out the ijarah. Meanwhile, in the implementation of sighat coconut tree basambuik carried out by land owners and tenants it is not clear, the existence of gharar, namely uncertainty about the consequences of a case/transaction or, ambiguity between good and bad.
Upaya BPRS Haji Miskin dalam Mengantisipasi Ketergantungan Pedagang Kecil Terhadap Rentenir Asrinaldi; Vira Qutranada
El-Kahfi | Jurnal Ekonomi Islam Vol 3 No 02 (2022): Journal of Islamic Economic
Publisher : Sekolah Tinggi Ekonomi Syariah (STES) Manna wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12345/elkahfi.v3i02.118

Abstract

This study aims to describe the perceptions of small traders towards moneylenders in Lima Kaum District and explain the efforts of PT. BPRS Haji Miskin in anticipating the dependence of small traders on loan sharks in Lima Kaum District. The type of research that the author uses is a type of field research with a qualitative descriptive approach. Data collection techniques with interviews and documentation. The data analysis technique uses the Miles and Hubemen technique, namely data reduction, data presentation, and drawing conclusions. Based on the results of the research conducted by the authors, the authors state that many traders in the sub-district of the Five People still use the services of moneylenders because the loan method is easy, fast and without collateral. Efforts made by BPRS Haji Miskin in reducing the dependence of small traders on moneylenders, namely conducting direct outreach to traders, providing education, distributing brochures to make it easier for prospective customers to find out about weekly products available at BPRS Haji Miskin and carrying out weekly financing realization, with ceilings ranging from 500,000 to 3,000,000 without collateral for 10 weeks of installments.
Pemikiran Al-Syatibi Dalam Bidang Ekonomi Suharyono; Kurniawan, Septian
El-kahfi | Jurnal Ekonomi Islam Vol 3 No 01 (2022): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v3i01.100

Abstract

This study was discusses the thoughts of Al-Syatibi in the economic study. Al-Syatibi was a Muslim scholar who studied the concept of maqasid sharia especially in the area of ​​economics. This study used qualitative analysis using reference to previous studies sourced from scientific literature. The study of Maqasid Syariah, about consumer behavior and policies both individually and the government was one of the studies of AL-Syatibi.The conclusion, Al-Syatibi's thoughts in the field of economics focus on economic activities oriented to benefit.
Youtube dan Perbankan Syariah Rahman, Muthia
El-kahfi | Jurnal Ekonomi Islam Vol 3 No 02 (2022): Journal of Islamic Economic
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v3i02.125

Abstract

The purpose of this research was to investigate how students majoring in subjects other than English, at the Syaria Banking Department in STES Manna Wa Salwa Tanah Datar Sumatera Barat, use social media, particularly YouTube, and to determine the impact it has on their speaking skills. The study was carried out using a descriptive qualitative design, with 25 participants selected from the Syaria Banking Department. The students were asked to speak on prepared topics in front of a phone camera, and five online meetings were held to assess their progress. A semi-structured interview was also conducted to gather more detailed supporting data. The findings indicate that using social media, particularly YouTube, had a positive impact on the speaking ability of non-English major students, as evidenced by iswsissefforts to improve their speaking skills, such as psychological factors (e.g. lack of motivation and confidence), environmental factors (e.g. relationship with their surroundings), and linguistic factors (e.g. finding references, selecting vocabulary, and using appropriate speaking style and gestures). The use of social media, especially YouTube, was found to be helpful in overcoming these obstacles and improving students' speaking ability.
Implementasi Akad Wadi’ah Pada Perbankan Syariah Johari, Elman; Septian Kurniawan, Septian
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 01 (2023): Ekonomi dan Perbankan
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v4i01.101

Abstract

Nowadays, the problem of saving funds is in banking institutions, usually through a system of savings, current accounts and deposits. Deposits (Al-Wadiah) in Wadi‟ah are taken from the word wada‟a, which means to leave because the mandate is left to someone else who receives the deposit. Muhammad bin Ibrahim al-Tuwaijir defines wadi‟ah as property that is handed over to someone else who looks after it without compensation, such as entrusting someone else's hours, cars or money. Wadi‟ah is a contract between two people in which the first party delegates the task and power to the second party to maintain his property. In the implementation of the wadiah contract, certain pillars and conditions must be met. Al-Jaziri expressed the opinion of the imam of the madhhab as follows. According to Hanafiah, alwadiah has one pillar, namely consent and qabul. According to Hanafiah, in sighah, the consent is considered valid if it is done in a clear language (sharia). This also applies to Kabul, the requirements for consignors and trustees and Mukala goods. It is not valid if the person entrusted to take the deposit is a madman or shabiy. To obtain orientit profit, some scholars allow it, and some do not allow it. If the item is intentionally damaged or lost, the stored item must be replaced, in the event of an accident there must be an agreement from the owner.
Analisis Pengembangan Ekowisata Mangrove secara Syariah ditinjau dari Sosial Dan Ekonomi Masyarakat Nagara, Patria; Wahyu, Sartika Dewi Hendra; Ikhfariza, Rahmini
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 01 (2023): Ekonomi dan Perbankan
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v4i01.126

Abstract

The purpose of this study was to obtain an in-depth description and understanding of the impact of mangrove forest ecotourism development on the social and economic community in Apar Village, Pariaman City. This study uses a qualitative approach with in-depth interview data collection techniques and supports in the form of documentation and observation using purposive sampling technique. This research was carried out in Simpang Apar Village, Pariaman City, from March to November 2022. The results of the research on the development of mangrove forest ecotourism on the social and economic aspects of the community in the Apar Village, Pariaman City are that the development and management of mangrove forests has experienced significant changes from year to year and has undergone good management, while the impact of mangrove forest ecotourism on the socio-economic community which is considered the most influential in this ecotourism activity is the environmental carrying capacity, other impacts are opening up new jobs, increasing the amount of income, increasing community welfare.
Potensi Pasar UMKM Halal Dalam Perekonomian Indonesia Sari, Mutiara
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 01 (2023): Ekonomi dan Perbankan
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v4i01.127

Abstract

The halal UMKM market is expected to help strengthen the country's economy, along with the recovery of world economic growth after the epidemic. There are potentials that can increase the growth of the halal UMKM market, including the world's sizable muslim population and the increasing global consumption of halal products. The Indonesia Halal Markets 2021-2022 report shows that the world's muslim population has spent US$1.9 trillion on the consumption of halal products in 2020. This study aims to analyze the market potential of halal UMKMs in the Indonesian economy. This research method is descriptive qualitative using secondary data from journals, documented books, and relevant publications. The results show that by utilizing the huge market potential around the world, both in muslim and non-muslim countries, Indonesian halal UMKMs can provide great benefits and strengthen the Indonesian economy. This is supported by the promotion of halal lifestyle which is universal so that it can make the world community aware of the halal function of a product guaranteed by halal certification. The Indonesian government has taken various steps to expand the Indonesian halal UMKM market so that it can compete globally, which can help the nation's economy.
Pelaksanaan Prinsip 5C dalam Penyaluran Dana Pembiayaan Murabahah Putra, Muhahammad Deni; Ningsih, Weli Widia
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 01 (2023): Ekonomi dan Perbankan
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v4i01.128

Abstract

The purpose of this study was to find out how murabahah financing is at BMT Amanah Umat Taram Payakumbuh. The type of research that the authors use is field research. Data collection techniques use interviews, and documentation. Data processing was carried out in a qualitative descriptive manner, through a process of data reduction, data presentation, and drawing conclusions. Based on the results of the research we found first, character in assessing the customer character of the BMT performs by first assessing directly how the character of the customer itself is at the beginning of applying for financing and as a support it is also seen from the neighborhood around the prospective customer. Second, capital, in this case, BMT looks at all income received by prospective customers, both routine and incentives and other additional income. third, the capacity of BMT in checking the ability to pay prospective BMT customers by looking at how many payments are received and expenses that must be financed each month, then BMT looks at the remaining capital of the customer earlier whether it is enough to pay for the proposed financing estimate. fourth, collateral for prospective customers who wish to apply for financing of > IDR 10,000,000, the collateral that must be provided by the prospective customer is in the form of a certificate. Meanwhile, for prospective customers who wish to apply for financing of < IDR 1,000,000, the loan provided by the prospective customer can be in the form of household appliances such as televisions, washing machines, and refrigerators. Fifth, condition of economy In this case the BMT assesses the economic condition of the prospective customer from the development of the business being carried out whether it is progressing or experiencing setbacks in its efforts.
Eksplorasi Kesiapan Perguruan Tinggi Mendukung Pengembangan UMKM Halal Food Nenengsih
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 02 (2023): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v4i02.145

Abstract

This research aims to analyze the readiness of universities in West Sumatra to support the development of halal food SMEs. Halal food SMEs have great potential for growth and development, especially in countries with a majority Muslim population like Indonesia. However, there are various challenges faced by halal SMEs, such as low understanding of halal certification and limited socialization activities. Therefore, universities, as educational and research institutions, play a strategic role in assisting the development of halal food. This study adopts a descriptive analysis approach by collecting data through literature review and interviews with the academic community of universities in West Sumatra. The results show that universities in the region have limited involvement in supporting the halal industry. Although some universities have established study centers or halal centers, direct participation is still relatively low. The role of universities in the development of halal food SMEs can be carried out through various activities, such as producing high-quality human resources, establishing halal product research centers, conducting socialization, education, mentoring, and consultation related to halal certification, as well as developing halal literacy. Halal science and technology research are also crucial in producing halal products that meet consumer expectations. To address global challenges and enhance the competitiveness of halal food SMEs, universities need to enhance their readiness by intensifying their roles and collaborations among universities, government agencies, business entities, and other relevant institutions. By doing so, the development of halal food SMEs in West Sumatra can be effectively implemented, contributing to the regional economy, and meeting the increasing needs of Muslim consumers.
Pengaruh Promosi dan Kualitas Layanan Pick-Up Service Terhadap Pertumbuhan Dana Pihak Ketiga Imran Rajif Akmal; Fauziah, Fauziah; Ramadonna, Yullya
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 02 (2023): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v4i02.146

Abstract

PENGARUH PROMOSI DAN KUALITAS LAYANAN PICK-UP SERVICE TERHADAP PERTUMBUHAN DANA PIHAK KETIGA DI PT. BPRS CARANA KIAT ANDALAS

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