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Soleh Hasan Wahid
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Invest Journal of Sharia & Economic Law
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 27764982     EISSN : 27764354     DOI : http://dx.doi.org/10.21154/invest
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Invest Journal of Sharia & Economic Law, E-ISSN: published by the Sharia Faculty, IAIN Ponorogo, Indonesia. This journal is published every July and December. The Invest Journal focuses on the results of field studies and literature studies in Islamic economic law, especially the integrative study of Islamic economic law in Southeast Asia. This journal publishes original articles on current international issues and trends regarding Sharia economic law, policy, law, social issues to advance knowledge of the theory and practice of Sharia economic law. The Invest Journal of Sharia & Economic Law specializes in research results either theoretically, a particular approach, or geographically in the fields of: Sharia economic law Sharia business law Sharia banking law Sharia financial institution law Non-bank financial industry Fatwa Islamic economics Islamic law Economic Law Business Law Financial Law
Arjuna Subject : Ilmu Sosial - Hukum
Articles 123 Documents
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Analisis Perbandingan Kinerja Keuangan Bank Syariah dengan Bank Konvensional Perspektif Maqashid Syariah Hidayat, Solikhul; Saiban, Kasuwi; Nurfadilah, Nurfadilah; Munir, Misbahul
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022): INVEST - Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3663

Abstract

Accounting as a complement (tahsiniyat) can turn into a necessity (hajiyat) at the maqashid level. Maqashid sharia is not the most decisive factor in giving birth to sharia economic products that can play a dual role as a tool of social control and socio-economic engineering to realize human benefit, sharia maqashid can provide philosophical and rational dimensions to sharia economic law products that are born in economic ijtihad activities contemporary sharia. Islamic banking, which is growing and developing in the country, is currently increasingly in demand by investors and potential investors. However, the problem is that people do not know how far the performance of Islamic banking is, when compared to the performance of conventional banks which first operated. This study is intended to compare the performance of the two banks, this is important so that investors, potential investors know and assess the performance of the two banks. Assessment of financial performance can be seen from the financial ratios of CAR, ROA, ROE, NPL, LDR, and BOPO. The research population is 14 Islamic commercial banks. The sample using purposive sampling, using 3 Islamic banks, Bank Negara Indonesia (BNI) Syariah, Bank Rakyat Indonesia (BRI) Syariah, Bank Mandiri Syariah and 115 conventional banks. Research data from the annual financial statements of the banks under study. The data analysis technique used the Mann-Whitney U Test. The results showed that there was no significant difference in the CAR ratio between Islamic banks and conventional banks. The ratio of ROA, ROE, NPL, LDR and BOPO there are significant differences between Islamic banks and conventional banks. The financial performance of Islamic banks is better in terms of the LDR ratio, while the financial performance of conventional banks is better in terms of the ratios of CAR, ROA, ROE, NPL, BOPO.
Implementasi Kepatuhan Syariah Pada Produk-Produk Pembiayaan di Bayt Al-Mal Surya Mandiri Cabang Pembantu Jetis Khoiron, Hayyin Uhtiyani; Ulfah, Isnatin
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022): INVEST - Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3804

Abstract

The Sharia Economic Law Compilation determines that the field of business to be carried out and the distribution of profits between the two parties must be stated clearly and definitely, as well as according to the agreement. In practice, mudarabah financing at BMT Surya Mandiri Capem Jetis only conducts surveys related to customer conditions without surveying the business fields carried out by customers, so the financing is sometimes used for consumptive needs. While profit sharing is considered less clear and definite, where profits should be shared, BMT only determines the percentage of profit itself without determining the percentage of profits that the customer as manager. In this study, the author looks at how KHES reviews the determination of business fields and profit sharing on financing products at BMT Surya Mandiri Sub Branch Jetis. From this research, it can be concluded that determination of business fields by KHES is financing provided to customers for business capital or increasing business capital. The financing is used for productive and profitable business fields. Meanwhile, the business fields not by the KHES are financing provided to meet the consumptive needs of customers, not for the business sector. The capital is used to meet personal needs that are not profitable. Furthermore, BMT only determines the percentage of its profit and includes the number of instalments and customer services each month without determining the percentage of profit that is part of the manager, so it is not by the provisions of KHES.
The Influence of Price, Product Quality, and Halal Knowledge on Purchase Decisions for Fiesta Chicken Nugget Products with Purchase Intention as an Intervening Variable (Study on Consumers in Salatiga City) Lisdiani, Nur Linna Isti; Annisa, Arna Asna
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022): INVEST - Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3830

Abstract

Halal and non-halal meat zoning policies impact consumer intentions for a product. The product, Fiesta Chicken Nugget in Salatiga, is one of them. Whether positive or negative, the policy will impact the sale of processed meat products. This research is based on the background of processed chicken meat products, namely Fiesta Chicken Nugget in Salatiga, which is affected by the Halal Zoning policy. The study aimed to determine the effect of price, product quality, and consumer knowledge of halal on purchasing decisions for Fiesta Chicken Nugget products in Salatiga City, with buying interest as an intervening variable. This research uses quantitative research. The sampling technique used purposive sampling with a total of 100 respondents. This study conducted validity, reliability, correlation coefficient, determination coefficient, regression analysis, t-test with SPSS application and Sobel analysis to test the effect of intervening variables. The results of the hypothesis stated that price, product quality, halal knowledge, and buying interest had a positive and significant effect on purchasing decisions. While the study's results indicate that price and product quality affect buying interest, halal knowledge does not. Then the price, halal knowledge and buying interest do not affect purchasing decisions, but product quality does affect the Fiesta Chicken Nugget product.
Hukum Fee Kafālah di Lembaga Keuangan Syariah Perspektif Fikih Maksum, Muh.
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022): INVEST - Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3922

Abstract

The contracts in Fiqh Muamalah have all been implemented in Sharia Financial Institutions. One of the implemented contract products is kafālah. Kafālah is a binding contract between a kāfîl (guarantor) to a guaranteed party (makfūl lah) for the receivables given for the implementation of a project/work. In Islamic Financial Institutions, the kafālah contract is applied as a Bank Guarantee, Letter Of Credit and Sharia Credit Card (Syariah Card). Contract products that use the kafālah system all have a fee. However, the problem is that many people are confused about the law on the existence of the kafālah fee. This paper describes the law, basis and reasons for Ulam related to kafālah fees implemented in Islamic Financial Institutions. This research uses a type of literature research or library research, namely by collecting data that is the main source from various books, books, articles, scientific journals, and other writings related to the kafālah. The approach taken by the researcher is using a qualitative approach, where the data collected is not in the form of numbers, but the data is obtained from the study and review of literature on bibliographic sources. The results of the analysis of researchers related to the law of kafalah fees in Islamic Financial Institutions from the perspective of fiqh are different in the opinion of scholars (ikhtilaf). A kafālah contract is a tabarru contract (charity program), not a tijari contract entitled to a fee. This principle makes some Fiqh scholars not allow a kāfîl to take a fee for insurance services given to the makfūl 'anhu. However, some scholars allow fees on kafālah contracts because of the condition of a general-purpose, so that if there is no fee, it will not realize the benefit and carry out good deeds.
The Influence of Halal Knowledge and Labeling on Food Product Purchase Decisions Febrilyantri, Candra
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022): INVEST - Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.3946

Abstract

The food and beverage industry is currently more concerned about the manufacture and procurement of halal food products because the level of public knowledge is increasing with social media and is supported by data on the development of Muslims worldwide. For Muslims, the essential thing to do when buying products is halalness. This study examines the level of knowledge and halal labeling on purchase decisions of food products for IAIN Ponorogo students. The number of samples in this study was 100 people, with multiple linear regression analysis methods and using the SPSS for Windows v25. Based on the result of the SPSS test, the result was: (i) Based on the simulation test, knowledge variables and halal labeling affected food purchasing decisions. (ii) Based on a partial test, the knowledge variable does not affect food purchasing decisions, but the halal labeling variable affects food purchasing decisions.
Transaksi Berjangka Komoditas Pertanian di Desa Sukorejo Perspektif Islam Fuadi, Septiyan Hudan
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022): INVEST - Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.4242

Abstract

Nowadays, there are many forms of buying and selling transactions that are developing in the community, one of which is using the futures model on agricultural commodities in Sukorejo Village, Sukorejo District, Ponorogo Regency. The characteristic of this transaction is that the middleman buys agricultural commodities at a higher price than the current market price but the payment is made at a later date. This transaction was motivated by several farmers who found that their harvests were not good due to a lack of personnel in maintaining agricultural products, in addition to unstable price fluctuations due to the COVID-19 pandemic that occurred in Indonesia. Over time, this futures transaction has an impact on the community, namely the harmony of the community is reduced. This research is a field research using descriptive qualitative method. While the purpose of this study is to discuss the validity of the contract and the social impacts that occur from the futures transaction from an Islamic perspective. The conclusion that can be drawn from this research is that futures transactions are valid by contract because in Islam it is also known as Nasi'ah buying and selling. Whereas in the aspect of social impact, in principle, this transaction is worth maslahah because the majority of people feel helped.   
Penggunaan Teknologi Dan Potensi Penerapan Internet Of Things (IoT) Dalam Pengembangan UMKM: Studi Kasus Resto Ayam Buldak Wijaya, Buana Handa; Asyiqin, Akbar Dzukha; Damanuri, Aji
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022): INVEST - Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.4672

Abstract

Technology can be a facilitator in dealing with the problem of limiting social mobility. Product marketing as one of the main activities of a business unit can be done online using technology. In this journal, discussions will be conducted on the use of technology and the internet of things as facilitators in developing the Resto Ayam Buldak business unit as an innovation strategy. The business unit model began in January 2020, when the community had social restrictions due to Covid-19. The business unit of Resto Ayam Buldak is included in the category of Micro Enterprises based on the regulation of the Indonesian Law No.20 of 2008. Research in this journal is carried out by qualitative methods using substructural interview techniques to extract data and information. Based on the research results, it is known that technology supported the development of Resto Ayam Buldak during the Covid-19 pandemic. Various product information can be known through digital media, including websites, google business, grab food, food, and superfood. The collaboration of various digital technologies encourages the development of the company's image among consumers and the expansion of product marketing coverage areas. In its business process, the restaurant also uses the cashier application as an Enterprise architecture that helps make it easier for owners to control financial transactions in the business unit. The potential application of the Internet of Things IoT in controlling the production house of Resto Ayam Buldak can be made through the concept of smart production. However, the use of the Internet of Things (IoT) is still not applied in the business activities of Resto Ayam Buldak, which belongs to the Criteria for Micro Enterprises. This problem requires large investment capital to develop smart production in the business unit. The role of the government is needed in supporting technology-based creative economy activities carried out by UMKM.
The Relevance of Ibn Khaldun’s Economic Thought on The Prices Mechanism in The Modern Economy Nisak, Khoirun
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022): INVEST - Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5092

Abstract

Ibn Khaldun is known as one of the Muslim scholars who made significant contributions to the social sciences, including economics. Ibn Khaldun developed his thoughts on the price mechanism in the market by looking at the condition of Andalusian society at that time. This study aims to discover Ibn Khaldun's thoughts regarding the price mechanism, both from the supply and demand sides, and whether these thoughts remain relevant to today's economic phenomena. The results of the analysis show that naturally,  the price in the market is formed due to the process of attraction between demand and supply. This research found that people's tastes are a factor that shifts the demand curve.   Meanwhile, product scarcity and production costs shift the supply curve. Ibn Khaldun's thought aligns with modern economic theory and remains relevant to present economic phenomena.
KONSEP INFLASI : PERBANDINGAN PEMIKIRAN IBNU KHALDUN DAN AL MAQRIZI SERTA IMPLIKASINYA DI INDONESIA Alwa, Moh. Abdul Aziz; Wahyudi, Amin
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022): INVEST - Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5099

Abstract

Inflation is a problem in the economic system that has occurred repeatedly from the beginning of the development of human civilization. Since people started using money to trade goods and services, inflation has remained constant. On the other hand, the inflation rate is also used as a macroeconomic analysis of a country/region, such as economic growth, external balance, and income distribution. Conditions of high inflation, if not handled thoughtfully and appropriately, will cause economic depression. However, in the Islamic world, there are scholars, namely, Ibn Khaldun and Al-Maqrizi. These two Muslim thinkers provide an overview of the phenomenon of inflation since the 14th century AD. This research seeks to find the slices of Ibn Khaldun and Al-Maqrizi's thoughts about the causes of inflation and to offer solutions to the phenomenon of inflation that occurs. We chose the literature study research to explore the thoughts of Ibn Khaldun and Al-Marqizi in classic books and several primary sources that discuss the thoughts of the two and compare them with the concept and conditions of inflation in Indonesia through the official websites of BPS and Bank Indonesia. The study found that a country's weak administrative system and corrupt mentality cause inflation. To overcome inflation, improving the two causes of inflation above is the solution offered by these two experts.
Maqāshid Sharia-Based Zakat Distribution Model: Zakat Distribution Program in National Zakat Agency DKI Jakarta Mahmudah, Siti Nur; Aziz Alwa, Moh Abdul
Invest Journal of Sharia & Economic Law Vol. 2 No. 2 (2022): INVEST - Vol. 2 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i2.5101

Abstract

Based on Law Number 23 of 2011 concerning Zakat Management, which strengthens BAZNAS as an institution authorized to manage Zakat responsible for supervising zakat management based on Islamic law, mandate, benefit, justice, legal certainty, integration, and accountability, the purpose of this article is to explain how BAZNAS distributes Zakat in DKI Jakarta. The research method involves literature, including websites, books from the National Amil Zakat Agency, and articles on the studied topics. The National Amil Zakat Agency (BAZNAS) distributes economic empowerment, economic programs, and educational programs from the point of view of dharuriyat (faith, soul, descent, reason, and wealth), hajiyyat, and tahsiniyat (BAZNAS). Regarding Maqāshid Sharia, this paper concludes that the "Jak B Be Taqwa" program, the "Jak B Cerdas" program, the "Jak B Sehat" program, the "Jak B Hijau" program, and the "Jak B Berdaya" program implemented from 2019 to 2022 are a form of implementation of the Maqāshid Sharia -based zakat distribution model by BAZNAS in DKI Jakarta.

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