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Nur Sandi Marsuni
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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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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 108 Documents
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The Green Economy Implementation To Umkm Cooking Oils Production At Majene (Syariah Economic Prespective) Lismawati, Lismawati; Nuringsih, Nuringsih; Agussalim, Agussalim
Jurnal Ar-Ribh Vol 6, No 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10631

Abstract

This study aims to determine the application of Green Economy in cooking oil SMEs and analyze the obstacles to the implementation of Green Economy in cooking oil SMEs. Data collection was carried out by conducting in-depth interviews with objects or informants, in this case the village head of Tammeroddo, 4 groups of cooking oil MSME actors and the Karondongan hamlet community. as well as direct observation at the research location. The results of the research found that green economy applications by MSME actors in Karondongan Hamlet are divided into two aspects, namely economic aspects and environmental aspects. Both of these aspects have positive and negative impacts that need to be considered for appropriate solutions both from the cooking oil MSME actors themselves and from the Tammeroddo village government. The view of Islamic economics on the application of green economy in the economic aspect is considered to be in line, but in the environmental aspect it is considered not to comply with the principles of Islamic economics. Some of the obstacles experienced in implementing the green economy for cooking oil SMEs are: (1) the groeng oil SMEs in Karondongan hamlet do not understand in depth about the green economy concept, (2) the application of the green economy concept occurs without them realizing it, and their activities are too profitable. oriented. (3) There is no green economy training available for MSMEs in Karondongan Hamlet (4) There are no village regulations or regional government regulations governing green economy for MSMEs. For this reason, improvement is needed from the MSME actors themselves and the Tammeroddo Village government
The Effect of Brand Equity on the Decision of BMT Al-Hijrah Madukoro Financing Customers in Sorong City Hidayah, Nurul; Wangsi, Mitta Muthia; Aprilia, Nina
Jurnal Ar-Ribh Vol 6, No 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10633

Abstract

Baitul Maal Tamwil (BMT) in its business focus contributes to encourage the economic empowerment of local communities. As a non-bank financial institution operating on sharia principles, it is a challenge for it to build brand equity and maximize its role to increase community financial inclusion. BMT Al-Hijrah Madukoro Branch, Sorong City, is an alternative microfinance institution that collects funds and distributes them into sharia financing products for the local community. This study aims to determine the effect of Brand Equity on customer decisions to take financing products at BMT Al-Hijrah Madukoro Branch, Sorong City. Research using Quantitative methods with convenience sampling techniques. The number of samples was 30 BMT Al-Hijrah financing customers. Data is analyzed with simple linear regression. The data was collected through a questionnaire on the google form link and distributed by BMT Al-Hijrah Madukoro Sorong City employees directly to their financing customers. The results show that there is an influence of Brand Equity on the Decision of BMT AL-Hijrah Financing Customers Madukoro Branch Sorong City
Institutional Framework and Regulatory Challenges in the Development of the Sharia Financial Sector in Indonesia: A Political Economy Perspective Soumena, Fadly Yashari; Anwar, Anas Iswanto; Arsyad, Rahmat; Laming, Ripa Fajarina; Bahasoan, Awal Nopriyanto
Jurnal Ar-Ribh Vol 6, No 2 (2023): Oktober 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i2.12812

Abstract

This study aims to examine the institutional framework and regulatory challenges in the development of the Sharia financial sector in Indonesia.The main objectives of this research are to analyze the role of government institutions and regulatory bodies, as well as to identify regulatory barriers, in order to strengthen the institutional framework and support the growth of the Sharia financial sector in Indonesia.This study utilizes qualitative research to analyze the institutional framework and regulatory challenges in Indonesia's Sharia financial sector from a political economy perspective. Data will be gathered from policy documents, legal regulations, government reports, academic publications, case studies, and expert interviews. The analysis will involve content analysis for policy documents and regulations, interview analysis, and descriptive analysis of statistical data on the sector's growth.Overall, the results of the analysis show that through this active participation, the Indonesian government hopes to strengthen Indonesia's image as the global financial center of Shariah and the country's economic position at the international level. Thus, the role of the Indonesian government in the Sharia financial sector is expected to continue to grow, provide greater benefits to Indonesians, and strengthen Indonesia's position at the international level. Increased intensive collaboration between governments, practitioners, and colleges in the form of development programs to produce competent human resources (HRM) finance. Providing stronger policy incentives and support The government needs to provide stronger incentives and policy support to develop Sharia finance in Indonesia. Encourage the development of innovative Sharia financial products.
Mosque Financial Management ( Study Cases At Mosques In The District Herlang Regency Bulukumba ) Suarni, Agusdiwana; Nurlina, Nurlina; Yulianti, Irna
Jurnal Ar-Ribh Vol 6, No 2 (2023): Oktober 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i2.12817

Abstract

Study This aim For investigate practice management financial funds for mosques in the district Herlang , Regency Bulukumba . Study This use method qualitative descriptive that combines observation , interviews , and documentation as tool data collection . Data sources used in study This consists from primary data and secondary data . Research results indicated that fund management at the Nurul Yaqin Mosque , Nurul Hijad , Nurul Amin, and Babul Khaer Mosque based on principles management finance , incl planning , implementation , and evaluation . Management of mosque funds involves a number of aspect important , like system receiving funds, managing funds, and reporting funds. The potential funds managed by the mosque make it possible become A source well-being for public local area and contribute to the prosperity of the mosque yourself . In context this , practice management Good finances in the Mosque are very important For ensure that funds are received and managed with efficient and transparent . Research results This can give valuable insight _ about How management finance can improved in context management of mosque funds in this region.
The Role Of Zakat In Poverty Reduction In Indonesia Jaya, Asri; Muin, Rahmawati; Haanurat, A Ifayani; Khaliq, Abdul
Jurnal Ar-Ribh Vol 6, No 2 (2023): Oktober 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i2.12813

Abstract

Indonesia is a developing country and is the fourth most populous country in the world and has a Muslim majority population. For developing countries, poverty is a problem that becomes homework for which a solution must be found. Several government programs that have been launched in the context of poverty alleviation need to be relied on more to be the solution to this problem, instead of being successful, the poverty rate in Indonesia is getting higher. In Islamic economics, zakat is a concentrated discourse as an alternative solution to the problem of poverty. The majority of Indonesia's Muslim population provides a great opportunity to achieve the mission of alleviating poverty. It is believed that the more Muslims are aware of the obligation to pay zakat, the greater the potential for zakat collected. Wise zakat management and fair and equitable distribution are certainly one of the conditions that must be met so that all levels of society can feel the function of zakat. This paper uses a literature approach and draws the conclusion that the potential for zakat in Indonesia reaches fantastic figures. Zakat can be used as an alternative solution to the problem of poverty in Indonesia. With professional management, the people of Indonesia must be optimistic that the poverty rate will soon be reduced.
An Analysis of the Comparative Financial Performance of Sharia Banks and Conventional General Banks Based on the Banks Monetary Ratios from 2017 to 2019 Ningsih, Sinta Anisa; Diana, Nana
Jurnal Ar-Ribh Vol 6, No 2 (2023): Oktober 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i2.12818

Abstract

Sharia accounting that is an information system, is an effort that one of which is to deconstruct modern accounting in the form of humanist and the requirements of the values that feature the values of Islam. Sharia Accounting Information System has a major responsibility in moral problems. The method of analysis used is content analysis method is useful to know what is Sharia accounting. The goal of writing this study was to know the performance of the financial sharia and banks of conventional banks in the period 2017-2019 obtained from the financial statements of banks with the type of quantitative research. The population of the study of this research is the general bank of the conventional public sharia bank in the Indonesia Stock Exchange in the period of 2017-2019. The sample used in writing this research by Purpose Sampling method, and the sample used is Bank BRI and BRI Shariah, Bank BNI and BNI Syariah. Then there is a measuring tool for this research that is the basis of financial BOPO, ROE (Return On Equity), ROA (Return On Asset), NPL ( Non Performing Loan), LDR (Loan to Deposit Ratio) and CAR (Capital Adequacy Ratio).
Social Media, Halal Marketing and Consumer Behavior (Study in Fashion and Cosmetic Product) Alam, Andi Rifqah Purnama; Hendriadi, Hendriadi; Suwardi, Wisda Zulaeha; Islamiyah, Nurhidayati; Monalisa, Monalisa
Jurnal Ar-Ribh Vol 6, No 2 (2023): Oktober 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i2.12814

Abstract

Consumers have become more sensitive to what they consume. Comprehensive information search and more accessible information acquisition will make it easier for consumers to make decisions. Social media is a supporting aspect for consumers in making decisions. Social media, which was previously used for personal communication, has now been used for communication in the broader business realm and plays a role as one of the supporters in the halal marketing process. The use of social media in marketing helps producers or sellers inform that the products being sold are halal products for Muslim consumers. Through social media, consumers can also easily obtain detailed information about a product before consumers make purchasing decisions. Halal marketing has become phenomenal in recent years because several products not in the form of food products have been branded as halal products. Products that are pioneers in halal branding include fashion and cosmetic products. This effort has altered the view that halal products are only limited to food products. This study used an interview method with 106 samples of productive age from several districts and cities in South Sulawesi Province. The results showed that 80% of the sample wanted cosmetic products to be halal to make purchasing decisions. In contrast, for fashion products, only 30% of the samples required the product to be halal to make a purchase decision.
Determinants of Zakat Payment Behavior through Digital Platforms in Makassar City K, M Yusuf; Parmitasari, Rika Dwi Ayu; Haddade, Abdul Wahid
Jurnal Ar-Ribh Vol 6, No 2 (2023): Oktober 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i2.12815

Abstract

This study aims to examine the factors that determine muzakki behavior in paying zakat through digital platform services in the city of Makassar. The type of research used is applied research with field studies. The approach used in this research is quantitative with causal associative. The method in this study is through primary data collection by distributing questionnaires and secondary data through data collection at BAZNAS and LAZ in Makassar City as well as through reference journals related to the study title. The sample technique used is the Ferdinand formula with a sample size of 332. The data analysis technique used in this study is the Structural Equation Model (SEM). The results of this study show that the perception of usefulness has a significant effect on the intention of muzakki, the perception of ease of use has a significant effect on the intention of muzakki, digital knowledge has a significant effect on the intention of muzakki, the perception of usefulness does not affect the behavior of muzakki, simple perception. usage has a significant effect on muzakki behavior, digital knowledge has a significant effect on muzakki behavior, intention has a significant effect on muzakki behavior, perception of usefulness has a significant effect on behavior through muzakki intention, perception of ease of use has a significant effect significant on behavior through muzakki intention and digital knowledge has a significant effect on behavior through muzakki intention
The Relevance Of Economic Policy In Khulafal Rasyidin And Modern Era Kurniadi, Kurniadi; Mu'min, Muh. Dian Nur Alim; Amir, AM Nur Atma; Misbahuddin, Misbahuddin; Siradjuddin, Siradjuddin
Jurnal Ar-Ribh Vol 6, No 2 (2023): Oktober 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i2.12816

Abstract

After the death of Rasulullah saw, the country's economic system, especially in economic matters, was taken over by the khulafaul Rashidun. There were four leading figures in this phase, namely Abu Bakar Assiddiq, Umar bin Khattab, Uthman bin Affan, and Ali bin Abi Talib. The caliphs carried out their government system based on the guidance of the Prophet Muhammad based on the Qur'an and Sunnah. The purpose of this study was to find out the policies among the caliphs in managing the country's economic problems, as well as the relevance of the economic system during the Khulafaul Rashidun era to modern times. This research is a "field research" using qualitative methods. The results of the study show that there are differences between the friends in implementing various economic policies both in terms of state revenues and the method of channeling or distributing state assets to solve economic problems. One of the influencing factors was the existence of new problems arising from the conditions, both in terms of revenue, regional and political, which were faced by each caliph in his government. Until the modern era, the Islamic economy continues to adapt to the conditions of the times so that the Islamic economy continues to exist in the future and become a compatible economic system.
The Influence of Islamic Branding and Life Style on Decisions to Purchase Muslimah Fashion Products in Makassar City With Celebrity Endorsement as a Moderating Variable Hadisa, Nur; Haddade, Abd. Wahid; Parmitasari, Rika Dwi Ayu
Jurnal Ar-Ribh Vol 7, No 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.12827

Abstract

This research aims to examine the factors that influence consumers in making product purchasing decisionsfashion  Muslim women in Makassar City through influenceislamic branding to the Purchase Decision,life that muchon Purchase Decisions, moderation effectCelebrity endorsement betweenislamic branding on purchasing decisions and moderating effectsCelebrity endorsement betweenlife style to the purchase decision. The type of research used is quantitative. The approach used in this research is causal associative. The method in this research is through collecting primary data by distributing questionnaires and secondary data through reference journals related to the research topic. The sampling technique uses the Heir formula with a sample size of 225. The data analysis technique used in this research isSPSS 26. The results of this research show thatIslamic branding dan life  style has a positive and significant effect on product purchasing decisionsfashion Muslim women in Makassar City and for moderation,celebrity endorsement does not moderate the relationship betweenIslamic branding  on purchasing decisions is different fromLife style in this case,celebrity endorsement strengthen the relationship betweenlife style to the purchase decision. The implications of this research show that consumers should filter all information and interactions, both on the internet and in the surrounding environment, and continue to base Islamic teachings in their daily lives because a person's lifestyle is formed from the results of interactions with their environment. Consumers also have to choose which celebrities can direct us to goodness and adhere to Islamic values. For the perpetratorsindustry fashion Muslim women in particular can show that the materials and manufacturing processfashion Muslim women are in accordance with Islamic values so that consumers are increasingly confident in purchasing products. Then, future researchers can examine other variables that are not yet in this research related to purchasing decisions.

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