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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
Optimalisasi Muslim Friendly Tourism Dalam Meningkatkan Daya Tarik Wisata dan Kesejahteraaan Ekonomi Masyarakat Lokal di Pantai Slopeng Kabupaten Sumenep Farisma, Azza; Sunariyah, Anik; Rohman, Abdur
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.v9i2.42172

Abstract

This study explores the impact of Muslim Friendly Tourism optimization at Slopeng Beach Sumenep, on tourism appeal and local economy. The research method used qualitative-descriptive approach involving government, tourism managers, stakeholders, business actors, local communities, and tourists. Slopeng Beach offers natural beauty with desert sand, clear sea water, and amazing sunset. Various nature tourism activities such as swimming, horse riding, ATV rental, camping, and playing sand. However, it faces challenges such as lack of Muslim-friendly facilities, sharia accommodation, low community awareness, promotion needs improvement, budget limitations, and maintenance of slum and unorganized MSMEs. Recommendations include improving facilities, Muslim-friendly services, sharia accommodation, socialization of Muslim-friendly tourism, use of social media and direct promotion to increase visits, communication forum formation, and collaboration with BPRS Bank to support MSMEs. This study provides insights on the importance of Muslim Friendly Tourism in enhancing tourism appeal and local economic welfare at Slopeng Beach.
Penerapan Prinsip Syar'u Man Qablana dan Bara'ah al-Ashliyah Dalam Perbankan Syariah Lubis, Ismul Fakhri; Asmuni, Asmuni; Anggraini, Tuti
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.v9i2.42325

Abstract

This research reviews the key principles of Islamic banking, namely shari'u man qablana and bara'ah al-ashliyah. The concept of shar'u man qablana emphasizes adherence to Islamic law that dates back to the time of the Prophet Muhammad, ensuring that every banking transaction and product follows religious principles. In contrast, bara'ah al-ashliyah gives freedom to financial transactions, protecting individuals and businesses from unauthorized liability, unless there is evidence to support the claim. To review this study, researchers used qualitative research methods with secondary data sources. In the context of Islamic banking, shar'u man qablana leads to the prohibition of usury and the principle of justice, creating products and services that are ethical and in accordance with Islamic law. Bara'ah al-ashliyah provides financial security, ensuring that customers are only liable for legitimate and agreed transactions. This research highlights the positive impact of implementing these two principles. In addition, these principles create a fair and ethical business environment, build customer trust, and strengthen Islamic banking's contribution to the development of an equitable society. These principles pave the way for ethical and transparent product innovation, ensuring that Islamic banking remains relevant and trusted in an ethical global economy.
Analisis Keputusan Pembelian Dengan Religiusitas Sebagai Variabel Intervening Yasika, Regi; Maftukhatusolikhah, Maftukhatusolikhah; Sumantri, Rinol
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.v9i2.42481

Abstract

The development of increasingly modern times makes competition in the business world increasingly fierce. Every producer always carries out innovation and creativity regarding culinary products with the aim of increasing sales of their products. Lubuk Linggau City is one of the cities in South Sumatra which has diverse culinary tourism and the population is predominantly Muslim. So it is interesting to see what factors are most prioritized in the choice of purchasing products consumed by Muslim consumers. This research aims to analyze Muslim consumers' purchasing decisions on food products in Lubuk Linggau City. This type of research is quantitative research. Data were collected through questionnaires and processed using the SmartPLS 4 statistical tool. Secondary data was obtained using questionnaires and documents taken from Muslim consumers in the city of Lubuk Linggau. The results of the research show that (1) The halal label variable has a positive effect on religiosity (2) The halal awareness variable has a positive effect on religiosity (3) The halal label variable has a positive effect on purchasing decisions (4) The halal awareness variable has a positive effect on purchasing decisions (5) The variable religiosity has a positive influence on purchasing decisions (6) Religiosity is able to mediate the positive influence of halal labels on purchasing decisions (7) Religiosity is able to mediate the positive influence of halal awareness on purchasing decisions.
The Impact of Mudharabah Financing On The Advancement of Beef Cattle Industry Cahyani, Adisti; Khoiriyah, Rahmawati
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.v9i2.42704

Abstract

The study aims to determine the role of mudharabah financing on the development of beef cattle business in Boyolali. Mudharabah financing is a partnership contract based on the principle of profit sharing by means of one person providing his capital to another to conduct business and both parties share the profits or bear the burden of losses based on the contents of a joint agreement. MSMEs are used as an alternative to creating new jobs or jobs for the community, MSMEs have a very large function and role in encouraging the pace of economic growth. In this study using quantitative methods with primary data or questionnaire distribution as a source of data to be tested in this study and the object of research is beef cattle business. The respondents based on this study are Boyolali people who have a beef cattle business of 40 people / sample. This study used a simple linear regression test and a T test. the conclusion of the data processing results showed that the test results were partially obtained by the T Test, the significance value of 0.000 < 0.05, which means that there is a significant influence between mudharabah financing (X1) on the development of MSMEs (Y). And the regression coefficient of mudharabah financing of 0.619 means that the variable mudharabah financing (X) has a positive effect on the development of MSMEs (Y).
Kinerja Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia Sebelum dan Sesudah Pandemi Covid-19 Kamarni, Neng; Ifriadi, Rike; Arqani, Alfe
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.v9i2.42778

Abstract

Pandemi Covid-19 membawa resiko yang signifikan bagi sektor perbankan di Indonesia, yang berdampak pada menurunnya kinerja sektor perbankan selama periode tersebut. Ancaman ini juga dirasakan oleh Bank Pembiayaan Rakyat Syariah (BPRS). Penelitian ini bertujuan untuk mengukur kinerja keuangan Bank Pembiayaan Rakyat Syariah (BPRS) sebelum dan sesudah pandemi Covid-19 ditinjau dari indikator keuangan. Data yang digunakan dalam penelitian ini berupa laporan keuangan Bank Pembiayaan Rakyat Syariah (BPRS) pada periode Januari 2017 sampai Desember 2019 yang merupakan data sebelum terjadinya Covid-19 dan Januari 2020 sampai Desember 2022 yang merupakan data sesudah terjadinya Covid-19. Analisis data berupa uji wilcoxon signed ranks test karena data dalam penelitian ini tidak berdistribusi normal. Hasil menunjukkan bahwa rasio Capital Adequacy Ratio (CAR), Return On Assets (ROA) dan Non Performing Financing (NPF) memiliki perbedaan yang signifikan pada kinerja Bank Pembiayaan Rakyat Syariah (BPRS) sebelum dan sesudah adanya pandemi Covid-19. Hasil ini berimplikasi bahwa Bank Pembiayaan Rakyat Syariah (BPRS) harus menjaga dan meningkatkan aset yang dimilikinya serta terus berupaya untuk meningkatkan laba dengan menekan angka pembiayaan bermasalah, sehingga kinerja pada Bank Pembiayaan Rakyat Syariah (BPRS) akan semakin baik.
Determinan Keputusan Pengambilan Pembiayaan UMKM di Lembaga Keuangan Syariah dengan Variabel Kontrol Faktor Demografi Febrianti, Fika; Purwidianti, Wida; Handayani, Erna; Yusnar, Alfato
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.v9i2.43108

Abstract

This research aims to determined the effect of financial literacy, procedures, and profit sharing on financing decisions with demographic factors as a control variable in Islamic financial institutions. Sampling technique using convenience sampling with a number sample of 105 MSME actors in Banyumas Regency. Data testing in this research used software tools, namely the SmartPLS 3.0 application. The results of this study showed that: (1) Financial Literacy has a significant effect on financing decisions. (2) the procedure has no significant effect on financing decisions. (3) revenue sharing has a significant effect on financing decisions. (4) the level of education as a control variable does not control the effect of financial literacy, procedures, and profit sharing on financing decisions. (5) income as a control variable can control the influence of financial literacy, procedures, and profit sharing on financing decisions. Keywords: Financial literacy, Procedures, Profit Sharing, Demographic Factors, Financing decision making.
Multi Level Marketing (MLM) dalam Pandangan Hukum Ekonomi Islam Syaharuddin, Syaharuddin
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.v9i2.44201

Abstract

This research aims to look at the views of Islamic Economic Law regarding the implementation of Multi Level Marketing (MLM) in the business world. Apart from that, we will also look at the characteristics and characteristics of Multi Level Marketing (MLM) which are in accordance with the views of Islamic Economic Law. This research is a qualitative descriptive study, which attempts to provide an overview of the characteristics of Multi Level Marketing from the perspective of Islamic economic law which originates from the Koran and the Hadith of the Prophet. Data collection techniques by quoting directly and indirectly from references and related literature. The data processing and analysis techniques are qualitative descriptive in nature from existing data which is then interpreted to draw conclusions which give rise to implications and recommendations. The results of the research obtained show that Multi-level Marketing (MLM) is permissible as long as it does not conflict with the principles of muamalah.

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