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Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah
Published by Universitas Islam Zainul Hasan Genggong
ISSN : 27745570     EISSN : 27471330     DOI : https://doi.org/10.55210/arribhu.v2i2.741
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Jurnal Ar-Ribhu merupakan jurnal ekonomi dan bisnis Islam yang diterbitkan oleh Universitas Islam Zainul Hasan Genggong. Jurnal ini menerbitkan penelitian asli di bidang manajemen dan keuangan syariah. Tujuan jurnal ini adalah untuk membahas topik terpenting dalam ekonomi dan bisnis Islam, Keberadaan jurnal Ar-Ribhu ini tentu sangat penting dalam menela’ah, memperkaya dan mengembangkan berbagai pemikiran dan teori-teori. Penelitian terkait ekonomi dan bisnis Islam, dengan demikian jurnal Ar-Ribhu ini akan memberikan kontribusi yang positif dalam memperkaya khazanah pemikiran di bidang ekonomi dan bisnis Islam. Jurnal ini diterbitkan du kali setahun, pada bulan April dan Desember, ISSN (Print): 2774-5570 ISSN (Online): 2747-1330
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 74 Documents
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ANALISIS MANFAAT E-PAYMENT DARI PERSPEKTIF EKONOMI ISLAM Nining Winarsih sadeli
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.798

Abstract

Introduction: Pengembangan teknologi informasi dan komunikasi global atau teknologi internet mengarah pada pembentukan lingkungan elektronik global untuk kegiatan ekonomi, yang salah satu wujud nyata adalah beredarnya Epayment. Methods: Desain yang digunakan dalam Desain yang digunakan dalam penelitian ini melakukan pendekatan deskriptif kualitatif. participant-observation karena peneliti itu sendiri yang harus jadi instrument utama dalam pengumpulan data dengan cara mengobservasi langsung objek penelitian. Results: hasil penelitian menunjukkan bahwa ekosistem digitalisasi sudah mulai massif digunakan karena internet tidak hanya tersedia di wilayah rural namun juga di wilayah urban, bahkan merebak ke penjuru negeri. Namun beberapa masih ada keraguan dalam penggunaan e payment karena penyalahgunaan oleh oknum sehingga tidak sesuai dengan syariat Islam. Oleh karenanya dalam pembahasan dideskripsikan secara lugas prinsip ekonomi Islam saat menggunakan e-payment, Conclusion and suggestion: penelitian ini di rekomendasikan bagi khalayak untuk menambah wawasan dalam memahami digitalisasi ekonomi namun tetap dalam koridor perspektif dan ajaran Islam. Keywords: e-payment; e-commerce; ekonomi islam
THE EFFECT OF HALAL AWARENESS, RELIGIOSITY, PRODUCT INGREDIENTS KNOWLEDGE, AND HALAL CERTIFICATION ON THE PURCHASE DECISION OF HALAL FAST FOOD Syifana Ghita Santosa; Muhamad Rizky Rizaldy
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.804

Abstract

Introduction: Indonesia has become a country with the largest Muslim population in the world. As a Muslim majority population, it is very important to consume halal products that are in accordance with the Qur'an and Sunnah. But in fact, not all products consumed by Muslims have halal certification. Along with the increasing identity of the Muslim community, the current halal lifestyle has become a trend that is in great demand, including the demand of halal fast food. This study aims to analyze the effect of halal awareness, religiosity, knowledge of product ingredients and halal certification in purchasing decisions of halal fast food products. Methods: The data used is primary data collected by using a questionnaire. The analytical technique used is multiple linear regression using the SPSS version 25 application. Results: This study found that the variables of halal awareness (X₁), religiosity (X2), product material knowledge (X3), and halal certification (X4) significantly influenced the decision to purchase halal fast food by 66%. This research produces a multiple linear regression equation as follow: Y=5.073 + 0.318X₁ + 0.106X₂ + 0.137X₃ + 0.351X₄ + e. Conclusion and suggestion: The implications of this research are given to producers and consumers of fast food to consider the importance of halal certification, which starts from awareness of consuming halal products which are then expected to be committed to their religion. With this research, it is hoped that there will be an increase in halal certification in fast food, especially in Indonesia, one of which is through incessant socialization of the importance of halal certification in fast food. Keywords: Halal Awareness, Religiosity, Knowledge of Product Ingredients, Halal Certification of Fast Food.
PENGARUH PEMBIAYAAN MURABAHAH, MUDHARABAH, MUSYARAKAH TERHADAP PROFITABILITAS PADA PT. BANK RAKYAT INDONESIA (BRI) SYARIAH Ovi Yuhana Putri; Citra Mulyasari
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.807

Abstract

Introduction: This research is motivated by financial institutions that have several services offered to the public so that people are interested in using the services of financial institutions because more and more people use the services of these institutions indirectly the community also plays a role in economic growth. PT Bank Rakyat Indonesia (BRI) Syariah offers services with a sharia financing system such as financing products with a basic profit-sharing mechanism.All financing products issued by banks have the aim of being able to provide benefits or increase profitability for the bank. The indicator used in this research is the effect of Murabahah, Mudharabah,Musyarakah financing while the level of profitability is measured using the financial ratio Return on assets (ROA). Methods: This research uses a quantitative approach with associative research type. The data used in this study is secondary data obtained from the quarterly financial statements of PT. Bank Rakyat Indonesia (BRI) Syariah for the period 2012-2020 with a total sample of 36 data. The analytical method used in this research is descriptive test, data normality test, classical assumption test which multiple linear regression. Conclusion and suggestion:The results of this study indicate that (1) Murabahah financing has a negative and significant effect on ROA profitability,(2) Mudharabah Financing has a positive andsignificant effect on ROA profitability, (3)Musyarakah financing has a positive and significant effect on ROA profitability,Murabahah, Mudharabah, Musyarakah financing has a positive and significant effect on ROA profitability at PT Bank Rakyat Indonesia (BRI) Syariah. Keywords: Murabahah, Mudharabah, Musyarakah Financing and Profitability
PENERAPAN AKAD NADZAR PADA PEMBIAYAAN QARDH (STUDI PADA KOPERASI BMT MASLAHAH JAWA TIMUR) Saifuddin Syuhri; Abd Ghafur
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.808

Abstract

Introduction: Makalah ini menggunakan pendekatan analisis kualitatif dengan meninjau literatur dan mewawancarai anggota yang mendapatkan pembiayaan qard, untuk mendapatkan informasi tentang fleksibilitas dan kenyamanan akad nadzar serta menetapkan informan ahli sebagai sumber utama yaitu kepala cabang, Direktur, Direktur Utama, Pengurus dan Pengawas BMT Maslahah di 100 kantor cabang yang berkedudukan di wilayah kecamatan, kota kabupaten wilayah propinsi jawatimur. Pengurus Cabang Nahdlatul Ulama’, Pengurus Majlis Ulama’ Indonesia cabang, Pengurus syuriyah Nahdlatul Ulama’, dan beberapa tokoh masyarakat. Wawancara difokuskan pada produk pembiayaan qardh dengan menerapkan akad nadzar kepada anggotauntuk mempresentasikan pandangan para praktisi terkait penerapanakad nadzar pada pembiayaan qardh. Methods: Desain/Metodologi/pendekatan Result: Studi ini menemukan bahwa BMT Maslahah mempunyai model penerapan akad nadzar pada pembiayaan qardmemberikan pemahaman dan kemudahan serta kenyamanan pada anggota. Penerapan akad nadzar pada pembiayaan qardh adalah merupakan produk akad baru yang menjadi alternatif akadyang dapat dijelaskan dalam penelitian ini. Conclusion and suggestion: Temuan penelitian ini menambah literatur tentang penerapan akad nadzar pada pembiayaan qardh di BMTdengan memungkinkan peneliti dan praktisi untuk menelaah terhadap penerapan akad nadzar.Temuan ini juga berkontribusi untuk memperkaya pengetahuan tentang akad-akad pada BMTdan kebutuhan pembiayaan anggota. juga memberikan kontribusi pada bidang ekonomi Islam khususnya kepada Dewan Syariah Nasional Majelis Ulama Indonesia. Keywords: Akad Nadzar,Pembiayaan Qardh, BMT
KARAKTERISTIK KEPEMIMPINAN ISLAMI MENURUT PROF HAMKA DALAM TAFSIR AL-AZHAR Sri Mulyani
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.809

Abstract

Introduction: Artikel ini untuk mengkaji tentang karakteristik kepemimpinan Islami menurut Prof Hamka yang terdapat didalam Tafsir Al-Azhar. Artikel ini ditulis dengan menggunakan metode literatur review. Karakteristik kepemimpinan Islam menurut Buya Hamka bisa diidentifikasi menjadi karakteristik spiritual, karakteristik moral dan karakteristik fisik. Karakter utama yang harus dimiliki oleh seorang pemimpin diantaranya adalah amanah dan jujur, berani, bijaksana dan setia kawan. Methods: Dalam penelitian ini menggunakan uji kualitatif untuk mengetahuikarakteristik kepemimpinan islami menurut Prof Hamka yang tedapat dalam tafsir Al Azhar. Results : Hasil dari kajian ini bahwa kepemipinan dalam perspektif Islam bisa didekati dengan dua istilah yaitu sebagai khalifah dan imamah. Conclusion : Kepemipinan dalam perspektif Islam bisa didekati dengan dua istilah yaitu sebagai khalifah dan imamah. Menurut Buya Hamka faktor yang bisa mendorong seseorang menjadi pemimpin diantaranya adalah karena faktor keturunan, kekuatan, kepandaian, pemimpin lain mengakuinya sebagai pemimpin, faktor agama dan paham yang dianut serta faktor kegairahan untuk mendapatkan kekuasaan. Karakteristik kepemimpinan Islam menurut Buya Hamka bisa diidentifikasi menjadi karakteristik spiritual, karakteristik moral dan karakteristik fisik. Kata Kunci: Kepemimpinan Islami, Prof Hamka, Tafsir Al-Azhar
ENTREPRENUERSHIP PERSPEKTIF ISLAM Abd. Ghafur; Saifuddin Syuhri
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.810

Abstract

Introduction: Kewirausaan berkaitan dengan tindakan pengambil risiko, petualang kreatif ke dalam bisnis baru atau orang yang menghidupakn kembali bisnis yang sudah ada. Kewiraushaan pespektif Islam merupakan sebuah komposisi dari dua konsep yang diperebutkan secara individual: islam dan kewirausahaan. Islam dalam inti minimalnya adalah pernyataan keyakinan pada Allah dan Rasulnya (Nabi Muhammad Saw). Wirausahaan adalah sseorang yang mana sering mengeksploitasi peluang melalui rekombinasi sumber daya yang ada sambil menanggung ketidakpastian dalam usahanya. Method: Metode yang digunakan dalam penelitian ini menggunakan metode kualitatif dengan model pengamatan dan wawancara langsung untuk mendapat sumber imformasi. Conclusion: Temuan dalam penelitian ini dapat di simpulkan bahwa perilaku seorang wiraushawan Muslim selalu mengikuti nilai-nilai dasar syariat Islam, dimana akan menyelaraskan antara keingainan masyarakat dan individu. Nilai tersebut meliputi adanya keadilan, tidakakan mengekspoitasi orang miskin, adanya moral tanggung jawab, akuntabilitas, serta ekuitas dalam masalah urusan keuangan. Keywords : Islam, Entrepreneur
MODEL PENGELOLAAN DANA FILANTROPI ISLAM DALAM LEMBAGA KEUANGAN SYARIAH (LKS) (Studi Kasus Pada Kjks Bmt Marhamah Wonosobo) Yasifa Fitriani
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.811

Abstract

Background: Penelitian ini bertujuan untuk mengetahui model pengelolaan zakat, infaq dan sedekah (ZIS) serta proses pendistribusiannya untuk pemberdayaan ekonomi yang dilakukan oleh Lembaga Keuangan Syariah dengan studi kasus pada BMT Marhamah Wonosobo. Method: Penelitian ini menggunakan jenis penelitian kualitatif dengan metode deskripsi. Data yang digunakan dalam penelitian ini merupakan jenis data primer yang didapat langsung dari wawancara dan data sekunder yang berasal dari BMT Marhamah Wonosobo. Result & Conclusion:: Hasil penelitian menunjukkan bahwa model pengelolaan yang dilakukan oleh Baitul Mal BMT Marhamah adalah penghimpunan menerapkan logika fundrising, pendistribusian dalam bentuk konsumtif dan produktif, pendampingan berupa pelatihan bisnis dan mengontrol perkembangan modal. Program pemberdayaan mampu meningkatkan ekonomi dan membangun mental masyarakat. Kata kunci: BMT, Model Pengelolaan Dana ZIS
METODE RGEC MENJADI TOLAK UKUR TINGKAT KESEHATAN BANK Moh. Abd. Rahman
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.812

Abstract

Background: Banks are the backbone of the economic and financial system in Indonesia as the channeling back of funds owned by excess economic units to economic units that need funds or deficits. The RGEC method is a structured way of assessing bank health compared to the previous valuation method, CAMELS. In article 2 paragraph (3) BI regulation No. 13/1 / PBI / 2011 concerning health assessment of commercial banks including risk profile, good corporate governance, earnings, and capital. Method: Document review is one of the research methods by comparing standards with financial statement documents to be examined. The documents that will be reviewed include the report on financial position, income statement and Good Corporate Governance report. The data that will be used in this study are quantitative data types. Quantitative data is numeric data such as financial position reports, income statements and other measurable data. Research Result: Seen from the four aspects measured in the form of risk profile, GCG, earnings, and capital as a whole are ranked very healthy even though there are differences in the value of the composite in each study year either overall BUKU IV Bank or individual banks, for the most consistent banks within the Bank BUKU IV category, according to the researchers, is BRI Bank because the composite value obtained by BRI each year is not too much different. Conclusion: The results of the analysis of the soundness of Bank BUKU IV namely BRI, BNI, Mandiri, BCA, and CIMB Niaga based on the RGEC method from 2012 to 2018 show that the bank's performance is in the Composite Rating 1 (PK-1) which means Bank BUKU IV is located in very healthy condition. Keywords: Bank Health, RGEC, BUKU
SISTEM KEUANGAN SYARIAH PADA UMKM DI DESA JATIURIP KECAMATAN KREJENGAN PROBOLINGGO Moh. Samsul Arifin
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.814

Abstract

Introduction: A good Islamic financial management system is very meaningful for UMKM in carrying out their business so that industrial values ​​and profits can be optimized, prosperity is formed, industrial image is created, and industrial responsibilities are carried out Methods: The research method used is qualitative metode using primary data sources through interviews about data and information related to research. System of Islamic financing for UMKM in Jatiurip Krejengan Probolinggo Regarding the method of implementation, interviews are divided into 3 types, namely: freelance interviews, guided interviews, free guided interviews, interviews as a means of data collection, and at the same time collecting data. Results: The results of this research activity indicate that the reporting of sharia-based financial systems for MSMEs is not optimal and financial reports are very important in order to understand the role and benefits of implementing Islamic financial management for MSME business implementation. Conclusion and suggestion: It is hoped that UMKM will be able to make financial reports with national accounting standards so they can analyze profit and loss and manage Islamic finance. Keywords: UMKM, Islamic Financial Management, Implementation
IMPLEMENTASI KESEJAHTERAAN SOSIAL BAGI PENYANDANG MASALAH LANJUT USIA PERSPEKTIF MAQASHID SYARI’AH DI KOTA MALANG F.T. Mu’alim; M. Djakfar; A.S. Supriyanto
Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/arribhu.v3i1.815

Abstract

Introduction: Malang City is committed to be an Elderly Friendly City. A number of policy innovations and pro social welfare programs for the elderly have been implemented. But in fact the aid is still in the form of material such as money and basic necessities. The varied conditions of the elderly require the fulfillment of non-material needs such as health, moral support and religious development. To understand the implementation of welfare for people with elderly problems in Malang City, the maqashid shari'ah perspective is used so that the factual needs of the elderly can be understood more comprehensively. Methods: The research method used is a qualitative paradigm with the type of case study research. The data analysis technique uses data reduction, presentation, conclusion and verification. Results and Conclusion: The results of the study indicate that the social welfare program is tentative and continuous. The tentative program is material, while the continuous program is non-material. The implementation of the program is carried out by the Social Service in collaboration with TKSK, PSM and local village officials. The stages in program implementation are receiving reports, visitation by providing an analysis of environmental potential and ending with evacuation if needed. Maqashid shari'ah corrects that social welfare programs have implications but have not maximized maintaining religion, soul, mind, lineage and property, especially during the Covid-19 pandemic. The implication for the unproductive elderly comes from non-material assistance such as assistance and love. Meanwhile, material assistance has implications for productive elderly people for business empowerment. Key words: Implementation of Social Welfare, Elderly Problems, Maqashid Syari'ah.

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