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Jurnal Iqtisaduna
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 23549629     EISSN : 25491334     DOI : https://doi.org/10.24252/iqtisaduna.v1i1.11825
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
This study aims to determine the efforts of Islamic Financial Institutions in empowering SMEs, strategies and important roles carried out by LKS in order to empower SMEs through the provision of capital to be managed in business. The method used in this research is descriptive analysis method, a method that only describes various forms of paradigms about empowerment strategies for SMEs, the most important data sources in this study are related to the search for library data, relevant books, and scientific papers. others relevant to the object of study. The results of this study indicate that there has been much power and effort carried out by the Islamic Finance Agency in order to empower SMEs, this can be proven by the existence of several programs, products, and financing aimed directly at SMEs. The strategy used is; provide complete information as well as promotion to SMEs, provide financing for their business development, provide financing in accordance with the type of business that SMEs are involved in with the concept of sharia principles. The implication of this research is to continue to provide services professionally and provide the best so that they are truly able to provide community welfare, more selective in providing financing so as to minimize the losses that will occur, increase technological resources so that SMEs can easily access information.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 17 Documents
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Search results for , issue "Vol 9 No 2 (2023)" : 17 Documents clear
Implementation of The Wadi'ah and Mudharabah Agreement on BTM Sang Surya Pamekasan in Increasing The Interest of MSME's Actors Argantara, Zaid Raya; Muhajir, Ahmad
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.36248

Abstract

The existence of funding products at BTM Sang Surya Pamekasan serves as a means of collecting funds from the community which can then be distributed back to the community or UMKM actors who carry out productive economic activities. This funding product uses wadi’ah and mudharabah contracts. The purpose oh this analize is to find out how the implementation of the wadi’ah and mudharabah contracts in BTM Sang Surya Pamekasan in increasing the interest of UMKM actors and what are the obstacles faced by BTM Sang Surya Pamekasan increasing the interest of UMKM actors. This research uses descriptive qualitative methods, data sourced from observation, interviews and documentation. The results of this study explain that the wadi’ah and mudharabah contracts in BTM Sang Surya are applied to funding products, namely wadi’ah futures, wadi’ah savings and mudharabah savings while for the types of contracts used using Wadi’ah yad Al-Amanah, Wadi’ah yad Al-Amanah and Mudharabah mut}laqah. The efforts made by BTM Sang Surya to increase the interest of UMKM actors are carried out using three ways, namely fostering good relationships, lobying to customers then the last one always maintains customer trust in BTM Sang Surya Pamekasan. The obstacles faced by BTM Sang Surya are the increasing number of withdrawals at the same time, weak understanding of digital transactions, and the lack of nominal savings with ball pick-up facilities. Keyword: Implementation, Contract, UMKM
Analisis Penerapan Pembiayaan Mudharabah dan Musyarakah dengan Profit Margin Berbasis Bagi Hasil (Studi Kasus di BMT Makin Amin Kamal) Nurhasanah, Siti; Qadariyah, Lailatul
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.39223

Abstract

Mudharabah and Musyarakah financing are types of sharia financing based on the principle of profit sharing. Mudharabah financing is a business collaboration between the provider of funds and the business manager, while musyarakah financing is a business collaboration between two partners who provide funds and manage the business. Profits and losses are shared according to the agreed ratio. Profit sharing based profit margin is profit calculated based on profit sharing obtained from mudharabah and musyarakah financing. This study aims to analyze the application of mudharabah and musyarakah financing with profit sharing-based profit margins at BMT Makin Amin (a sharia microfinance institution located in Kamal District, Bangkalan Regency). This study uses a qualitative descriptive method with data collection techniques through observation, interviews, and documentation. The data used are primary and secondary data. Primary data will be obtained through in-depth interviews with the management of BMT Makin Amin Kamal. Meanwhile, secondary data will be collected from literature and documents related to the practice of profit sharing-based financing at BMT Makin Amin Kamal. The results of the study show that BMT Makin Amin implements mudharabah and musyarakah financing with profit-sharing-based profit margins in accordance with sharia provisions. Mudharabah and musyarakah financing has a significant contribution to operating income and fluctuated during the study period at BMT Makin Amin.
Portrait of Islamic Economic Literacy on Students of Department Sharia Economics IAIN Kerinci Bustami, Alek Wissalam; Fauzi, Muhammad
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41533

Abstract

This study aims to investigate the level of Islalmic Economic Literacy (IEL) among students of the Department of Sharia Economics (DSE) Institut Agama Islam Negeri Kerinci (IAIN Kerinci). Investigation IEL levels in terms knowledge, understanding, and ability to apply attitudes (actions) from Islamic economics material that has been stuDSEd into everyday life. The research data comes from primary data collected using the Miles and Huberman model as a qualitative data analysis tool. This study shows that the level of IEL among students DSE IAIN Kerinci is in the pretty good category. This is evidenced by the fact that there are still many students who lack knowledge and understanding of Islamic economics material. Even though academic achievement or Grade Point Average (GPA) is above 3.50. It was even found that a higher GPA still lacks knowledge and understanding compared to a low GPA. Even though knowledge and understanding are still very minimal, the ability to apply attitudes (behavior) in daily economic activities has been applied in accordance with Islamic economics. This study can be the target of related parties to focus their full attention on increasing IEL in students DSE IAIN Kerinci. This study can also contribute to the reading of Islamic economics literature and the study of IEL, and at the same time, it opens up the door for further research.
Mosque-Based Islamic Social Enterprise: A New ‎Approach to Mosque Management ‎Transformation Fahmi, Rizqi Anfanni; Zulhamdi, Muhammad
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41599

Abstract

This paper explores the potential of Mosque-Based Islamic Social Enterprise (MBISE) as a new approach to mosque management transformation. As a religious entity that relies on donations, mosques often experience stagnation due to traditional management. Transformation is necessary to avoid dependence on donations to achieve the mosque's goals. The study examines the practices of MBISE in Indonesia, focusing on mosque business units. This paper used a mixed method approach by conducting a literature study based on online news and articles in scientific journals focusing on the mosque business unit as a representative of MBISE. Collected data were analyzed using content analysis techniques. The results show that at least 61 mosques have business units. More than 50% of the mosques are in the Java region. Most business is the rental of mosque assets such as halls, mosque courtyards, and shops. The largest source of funds is gathered from donations used as capital for business units (infak). The significant impact felt is the increased independence of the mosque with a source of income other than donations. Another widely enjoyed impact is the implementation of community empowerment around the mosque. The study shows that mosque business units indicate significant characteristics with the Islamic Social Enterprise concept called Mosque-Based Islamic Social Enterprise. This study contributes as a reference for the development of nonprofit organizations, especially mosques, so they can use congregational donations for activities that can multiply mosque income and support the achievement of mosque prosperity through mosque business units.
Strategi Pengembangan Wisata Halal Asta Sayyid Yusuf Talango Kabupaten Sumenep Ana Amanda Syafi'ul Ummah; Hasan, Dony Burhan Noor
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41774

Abstract

Halal tourism is a rapidly growing market segment, especially in countries with a majority Muslim population. However, there are still shortcomings in the development and marketing of halal tourism. The aim of this research is to find out and analyze halal tourism development strategies with GMTI GMTI (Global Muslim Travel Index) standards. Formulating a halal tourism development strategy is considered important, because the potential for halal tourism can become a source of income for local communities. By developing and strategically utilizing halal tourism attractions, it can improve the community's economy, provide employment opportunities and encourage the growth of small businesses in tourist areas. For this reason, researchers want to examine further the strategies for developing halal tourism in Asta Sayyid Yusuf Talango in Sumenep Regency. This research is descriptive qualitative research. The research subject is the management of Asta Sayyid Yusuf. Researchers will use primary and secondary data. This research concludes that in formulating a halal tourism development strategy it is necessary to pay attention to several aspects. First, development of supporting infrastructure. Second, proper promotion and marketing to reach the halal tourism market. Third, developing tourism products and services that comply with halal principles.
Tinjauan Literatur Terkini Tentang Wakaf Fauzi, Muhammad; Efendi, Faisal; Bundo, Mayang; Eriawati, Yossi; Rahmat, Fawza
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41811

Abstract

This study aims to review the latest literature on waqf and highlight directions for future research. This research is qualitative research, with the data search method used is literature review. The data source for this research is literature about waqf, which was collected through search in the Emerald data base for the last 20 months (January 2022 – August 2023), by entering the keyword title in the search column "Waqf, Awqaf". This research uses content analysis as a data analysis tool. The findings show that over the last 20 months, 40 pieces of literature on waqf were obtained, consisting of 2 book chapters and 38 journal articles. This literature has studied waqf from various perspectives, in which case we summarize it into sub-categories (streams). Stream 1 is about awarenes, behavior, decisions to donate to waqf, and stream 2 is about innovation, strategy, development models for waqf, and stream 3 is about practice, performance, accountability, governance of waqf, and finally stream 4 is about waqf and socio-economics. However, waqf also faces criticism and is therefore advised to maintain its identity.
Resiko Dalam Bisnis Peternakan: Konseptual Berbasis Teori Maqashid Ningrum, Eka Rahayu Puspita; Wahyudi, Amin
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41876

Abstract

Risk is a certainty that cannot be trusted. Every risk inherent in life will be diverse and varied settlement solutions. Likewise in animal husbandry which is often a problem. Risk management on farms in the perspective of maqashid syariah is a must. Because animal husbandry is actually a profitable business but also a high potential risk. This study aims to describe risk management from the perspective of sharia maqashid which focuses on livestock business which is considered as an unstructured business and regulations that are the solution. This study used description analysis with library research method. The results showed that there are several risks to livestock, one of which is financial risk. In the concept of maqashid sharia, the main purpose of carrying out economic activities is not only limited to financial benefits but is benefit with the value of welfare and goodness of life. The concept of sharia maqashid also advocates an element of prudence in running a livestock business to avoid uncertainty. In this case, researchers found one of the regulations that is a solution to the financial risks in livestock businesses, namely sharia-based livestock insurance.
Model Manajemen Keuangan Keluarga Muslim Pada Perempuan Pekerja di Socah Dalam Prespektif Kesetaraan Gender Islam Ahsaniya, Shynta Yuli; Endriyanti, Enni
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41901

Abstract

In managing family finances, women who work have greater opportunities, with good abilities women have a high influence in handling the family's economic conditions and the husband's trust in his wife influences the financial management of Muslim families and also has management principles in accordance with Islam which are beneficial for family both long and short term. Using the IFWM (Islamic family wealth management) design where families will live better is influenced by their expertise in designing and managing their respective finances. This research uses a qualitative method using a descriptive analysis approach. The research carried out by researchers aims to provide a significant solution in the form of providing a model of Muslim family financial management for working women in Socah from an Islamic gender equality perspective, so that working women throughout Indonesia have an idea of ​​how to manage Muslim family finances so that they do not make too many mistakes in management. Muslim family finances, especially for working women in Socah, Bangkalan district.
Implementasi Etos Kerja Islam Pedagang Muslim Pada Destinasi Wisata Pantai Jumiang Rusmania, Septi Tri; Faraby, Muhammad Ersya
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41908

Abstract

This research discusses the implementation of the Islamic work ethic by Muslim vendors at the Jumiang beach tourist attraction in Pamekasan Regency. This is one of the many reasons why scholars are interested in diving further into the topic of how Muslims in the tourism industry in Pamekasan Regency have incorporated the Islamic work ethic into their operations. In this research a qualitative descriptive approach was used. The research subjects were Muslim tour operators in the Jumiang Beach area. The data used in this research includes primary and secondary data, with secondary data collection carried out through interviews, observation and documentation. Data reduction, data visualization, and drawing conclusions are all steps in the data analysis process. The research was conducted at Jumiang Beach, Tanjung village, Pademawu district, Pamekasan district. The aim of this research is to better understand the implementation of the work ethic of Muslim traders at the Jumiang Beach tourist destination.
Distribusi Pendapatan dan Kemiskinan di Indonesia dalam Perspektif Ekonomi Islam: Tantangan dan Prospek Masa Depan Syahputra, Angga; Harahap, Isnaini; M. Nawawi, Zuhrinal; Kaswinata, Kaswinata
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.41929

Abstract

This research examines income distribution and poverty in Indonesia through the lens of Islamic economics. By focusing on the principles of inclusiveness, fairness, and sustainability in Islamic economics, this research goes in-depth on economic inequality and poverty in Indonesia through a descriptive qualitative approach. The findings show that despite a decline in poverty, income inequality in Indonesia is still high, creating a widening gap between the rich and poor. In-depth analysis reveals the important role of Islamic economics, zakat, infaq, and Islamic financial institutions in addressing inequality and poverty. The research also examines the challenges in implementing Islamic economic principles and presents innovative strategies to improve income distribution. The focus on zakat and infaq as potential redistribution instruments highlights the need for a more structured and sustainable approach. This research provides a foundation for inclusive and equitable policies, guiding Indonesia's steps towards equitable and sustainable economic growth. By integrating Islamic economic principles, this research suggests ways to create a more just and prosperous society, in accordance with Islamic principles and global sustainable development principles.

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