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Nur Sandi Marsuni
Contact Email
nursandimarsuni@gmail.com
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+6285796461067
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ar-ribh@unismuh.ac.id
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Gedung Iqro lantai 8 Jl. Sultan Alauddin No.259, Gn. Sari, Kec. Rappocini, Kota Makassar, Sulawesi Selatan 90221
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Kota makassar,
Sulawesi selatan
INDONESIA
Jurnal Ar-Ribh
Published by Universitas Muhammadiyah Makassar
ISSN : 26847477     EISSN : 27146316     DOI : https://doi.org/10.26618/jei.v4i1
Core Subject : Economy,
Economics, Econometrics & Finance
Ar-Ribh : Jurnal Ekonomi Islam [p-ISSN 2684-7477 |e-ISSN 2714-6316] published by the Islamic Economics Study Program of the Faculty of Economics and Business, Muhammadiyah University of Makassar, this journal publishes research articles in the field of Islamic Economics. This journal publishes research studies that use a variety of qualitative and / or quantitative methods and approaches in the field of Islamic Economics. This journal aims to develop concepts, theories, perspectives, paradigms, and methodologies within the scope of Islamic Economics published twice a year, namely April and October. Ar-Ribh : Jurnal Ekonomi Islam examines and examines sharia.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol. 7 No. 2 (2024): Oktober 2024" : 7 Documents clear
Analyzing Sharia Compliance in Fintech: Measuring the Relevance of its Services with the Principles of Islamic Economic Law Risnawati, Nor; Fayyadhi, Weldy Ahmad
Jurnal Ar-Ribh Vol. 7 No. 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.12988

Abstract

This research is a literature review. The method used in this research is Library Research or literature review, which gathers data from literature and other sources that support and are relevant to the discussion in this research. The results of this research are that Fintech that adheres to Sharia principles has significant relevance in the context of Indonesia, where the majority of the population is Muslim. The practice of Fintech in accordance with Sharia economics reflects a commitment to avoiding usury, adhering to principles of Sharia financing, increasing consumer awareness, and supporting the growth of Sharia financial markets. This creates important economic, financial, and social benefits for the Muslim community while simultaneously reflecting values of integrity, transparency, and justice in business operations. Thus, this research emphasizes that the implementation of Sharia principles in Fintech is a wise and sustainable step in supporting the development of Islamic economics and financial services in line with Islamic values in Indonesia.Keywords: Islamic Economic Law, Fintech, Sharia Services
Falah Mart Business Development Strategy as Foundation Supporter in Islamic Economic Perspective Rauf, Abdul; Siradjuddin, Siradjuddin; Haddade, Wahid
Jurnal Ar-Ribh Vol. 7 No. 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.13162

Abstract

This research aims to determine the business development strategy of Falah Mart as a supporter of the Foundation and from an Islamic economic perspective. This research method is qualitative ex post facto focusing on seven research subjects through a purposive sampling method. Data was collected by conducting in-depth interviews and analyzed using the Miles and Huberman theory and SWOT analysis. The research results reveal that there are several strategies from internal and external factors that need to be developed through a combination SWOT Analysis matrix. Other strategies are product development, market development (price, promotion, distribution), business capital development, and human resource quality development. As for the Islamic economic perspective, Falah Mart applies the principles of honesty, friendliness, ta'awun (mutual help), responsibility, noble character, justice, cooperation, awareness of the welfare of life in this world and the hereafter.
Factors Influencing People's Decision to Save in Sharia Bank (Case Study in Sleman District) Fathurrahman, Ayif; Ratnasari, Dian Puspita
Jurnal Ar-Ribh Vol. 7 No. 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.13236

Abstract

This research aims to analyze the determinants that have an influence on savings decisions in regional sharia banks in Sleman Regency. The possibility of a technical sample is the sampling technique in this research. From this technique there were 116 respondents. This research data is primary data with multiple linear regression methods. Research finds that the religiosity variable has no influence on people's decisions to save in Islamic banks. Meanwhile, the variables of trust, level of results and knowledge have a significant positive influence on the decision to save. Meanwhile, simultaneously all the research variables that influence the decision to save at a regional sharia bank in Sleman Regency with a coefficient of 0.630 promise from the results of this research that sharia banks are able to maintain the variables of trust, knowledge and level of profit sharing which are the dominant factors that influence people to save at the k sharia bank.
Sharia-Compliant Digital Marketing Strategies to Boost Sales Revenue for Micro, Small, and Medium Enterprises in Parepare City Asih, Nur; Nurhayati, St.; Zubair, Muhammad Kamal; Semaun, Syahriah; Damirah, Damirah
Jurnal Ar-Ribh Vol. 7 No. 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.13239

Abstract

This study investigates the implementation of sharia-compliant digital marketing strategies to enhance the sales turnover of Micro, Small, and Medium Enterprises (MSMEs) in Parepare City. Using a qualitative approach with a case study methodology, data were collected through direct observation, in-depth interviews, and documentation. The research focuses on understanding the effectiveness of digital marketing through social media platforms such as Facebook, Instagram, and TikTok while adhering to Islamic ethical principles. The findings reveal that before adopting digital marketing strategies, MSMEs in Parepare City experienced stagnant, declining, or inconsistent turnover due to reliance on traditional marketing methods. However, after utilizing social media for product promotion, most MSMEs reported turnover increases ranging from 20% to 80%. Facebook emerged as the most widely used platform, providing significant outreach and engagement opportunities. Additionally, TikTok and Instagram contributed to customer engagement through creative and interactive content. From an Islamic perspective, the study highlights that MSME actors operate their businesses in line with the principles of falah (worldly and spiritual prosperity), emphasizing transparency, fairness, and ethical practices in their marketing efforts. The adoption of sharia-compliant digital marketing strategies not only enhanced sales performance but also supported sustainable and ethical business operations. This study underscores the potential of digital marketing as a transformative tool for MSMEs, particularly when aligned with Islamic values. Future research could expand the scope by exploring additional sectors or regions to provide a more comprehensive understanding of the impact of digital marketing strategies on business growth.
Bank Muamalat Indonesia Branch Kolaka Strategy in Encouraging Small and Intermediate Business in Regency Kolaka Wahyuni, Sri; Suarni, Agusdiwana; Amanda, Meli
Jurnal Ar-Ribh Vol. 7 No. 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.16262

Abstract

The aim of this research is a qualitative descriptive type of research with the aim of finding out the strategy of Bank Muamalat Indonesia Kolaka branch in encouraging small and medium businesses in Kolaka district and to find out the back to back financing mechanism at Bank Muamalat Indonesia Kolaka branch in encouraging small and medium businesses in Kolaka district . The results of the research show data using interviews and data collection regarding the strategy of Bank Muamalat Indonesia Kolaka branch in encouraging small and medium businesses in Kolaka district and to find out the back to back financing mechanism at Bank Muamalat Indonesia Kolaka branch, the author draws an important conclusion, namely a business strategy that can in the form of geographic expansion, diversification, acquisition, product development, market penetration, employee rationalization, divestment, liquidation, as well as to determine and achieve organizational goals and special mechanisms that can differentiate one from another.
Effectiveness of Ziswaf Fundraising Through (QRIS) in Efforts to Increase Institutional Income Nur, Ilman; Lutfi, Muhtar; Efendi, Ahmad; Majid, Jamaluddin; Muin, Rahmawati
Jurnal Ar-Ribh Vol. 7 No. 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.16263

Abstract

The aim of this research is to determine the effectiveness of ZISWAF fundraising through QRIS media for the income of institutions in Wahdah, the inspiration for zakat, Makassar city. The research method used in this research uses a qualitative method using a phenomonological approach to see the phenomena that occur in institutions and society with the existence of QRIS media as a fundraising tool at Wahdah zakat inspiration. The results of the research show that collecting funds through QRIS is quite helpful in making transactions easier for people who want to pay zakat or want to donate to the Wahdah Inspiration Zakat city of Makassar. It's just that with the existence of QRIS media, there are still many people who don't trust collecting through QRIS media and don't even know how to do it. its operation. QRIS media has not had a big impact on fundraising because people who donate large amounts use mobile banking and there is a lack of funds generated through QRIS so it can be said to be ineffective.
The Potential of Sharia Pawnshops in Promoting Financing of Micro, Small and Medium Enterprises (Umkm) in South Sulawesi Rahmah, Syahidah; Sigit, Muh.
Jurnal Ar-Ribh Vol. 7 No. 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.16319

Abstract

This study aims to find out how the potential of sharia pawnshops in encouraging the financing of Micro, Small and Medium Enterprises (MSMEs). The type of research used is a qualitative research method. The processed data is the result of interviews with sharia pawnshop employees in South Sulawesi. Data collection methods in this study are interviews, observation, Documentation Studies in which the authors go directly to see the conditions in the field. The results of this study indicate that the advantages of Islamic pawnshops in financing the MSME sector are: government owned, credit insurance, the process is easy, min -3 working days, guidance to customers but there are some things that need to be considered for MSME actors, namely they cannot take financing at sharia pawnshops when their business does not yet have a business license from the government and also there is no bookkeeping of the business being run so that the sharia pawnshop has difficulty in providing capital to MSMEs.

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