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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 235 Documents
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Pendistribusian Zakat Bentuk Pinjaman Dalam Mengatasi Pedagang Usaha Mikro Dari Pinjaman Ribawi Di BAZNAS Kabupaten Kerinci Agustiari Agustiari; Muhammad Fauzi
Jurnal Iqtisaduna Vol 7 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v7i2.25402

Abstract

Penelitian ini dilatarbelakangi oleh fenomena menjamurnya pelaku usaha mikro yang melakukan kredit riba di lembaga keungan yang berbasis konvensional. BAZNAS Kabupaten Kerinci hadir untuk menjawab fenomena ini, dengan peluncuran program pendistribusian dana zakat bentuk pinjaman untuk bantuan modal bagi pelaku usaha mikro. Oleh karena itu, penelitian dilakukan bertujuan untuk melihat pendisitribusian zakat bentuk kredit dalam mengatasi pedagang usaha mikro dari kredit ribawi, sekalaigus melihat apa saja faktor pendukung dan penghambat pendistribusian kredit secar kredit. Penelitian menggunakan pendekatan deskriptif. Data penelitian menggunakan sumber data primer dengan menggunakan model Miles and Huberman sebagai alat analisis data. Penelitian ini menunjukan bahwa pendistribusian zakat bentuk kredit yang diberikan oleh BAZNAS belum mampu mengatasi semua pedagang mikro dari kredit ribawi. Di lihat dari sisi faktor pendukung dukungan zakat kredit adalah bergulir yang telah mencapai Rp. 1.820.000.000 dan pegawai BAZNAS yang profesional di bidang pengembangan pedagang, dan faktor penghambatnya antara keseimbangan dana yang tersedia dengan jumlah modal yang dibutuhkan pedagang, sehingga masih banyak pedagang yang memilih menggunakan pinjaman ribawi sebagai dana tambahan untuk modal usaha.
Pengaruh Harga Kayu Manis Terhadap Kesejahteraan Petani Ditinjau Dalam Aspek Religiusitas Nopita Sari; Dafiar Syarif; Muhammad Fauzi; Mursal Mursal
Jurnal Iqtisaduna Vol 7 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v7i2.25648

Abstract

Isu-isu yang menyebar bahwa eksistensi kayu manis di Kabupaten Kerinci sudah menjadi pentas pasaran global. Hampir semua kayu manis yang di produksi Indonesia berasal dari Kabupaten Kerinci. Penghasil kayu manis terbesar di Kabupaten Kerinci berada pada bagian wilayah Kecamatan Gunug Raya. Lebih kurang 12 (dua belas) Desa di wilayah Kecamatan Gunug Raya mempunyai lahan kebun kayu manis yang sangat luas. Harapan bagi para petani dengan berkebun kayu manis dapat berkontribusi bagi ekonomis dan kesejahteraan mereka. Dari sini, penelitian dilakukan bermaksud melihat pengaruh harga kayu manis terhadap tingkat kesejahteraan petani petani di tinjau dalam aspek religiusitas, dan juga melihat pengaruh pendapatan dalam memoderasi hubungan harga kayu manis dengan tingkat kesejahteraan petani di tinjau dalam aspek religiusitas. Penelitian ini menggunakan penelitian kuantitatif, dan data diambil dari sumber data primer, dengan model regresi linier sederhana digunakan sebagai alat analsis data. Hasil penelitian menunjukkan bahwa variabel harga kayu manis berpengaruh positif terhadap kesejahteraan petani ditinjau dari asepk religiusitas. Sementara hasil analisis variabel pendapatan petani sebagai variabel moderator, tidak memoderasi hubungan antara harga kayu manis dengan kesejahteraan petani ditinjau dari aspek religiusitas.
Islamic Microfinance Institutions, Indonesian Economic Democracy, and Development (A Maqashid Approach System Perspective) Ihsan Rois; Muh. Salahuddin
Jurnal Iqtisaduna Vol 8 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v8i1.26821

Abstract

This study aims to expand on the theoretical notions of sharia economics, economic democracy, and Indonesian development. Economic identity is influenced by religion, culture, and other valuable components of life, including the state's ideology. Religious ideals, cultural constructions, governmental ideology, and/or a synthesis of these values should all be protected from development. This is Auda's considerable offer, which connects maqasid al-shariah with systems theory to bolster Islamic studies' intellectual integrity. The Shariah economy, social system, and state ideology should be united to attain economic welfare. As a result, the maqashid shariah system approach provides a methodological framework for examining the existence of shariah microfinance institutions, economic democracy, and development in their entirety
Etika Etika Pemanfaatan Sumber Daya Alam (SDA) Penggalian Batu Pecah Ditinjau Dari Perspektif Ekonomi Islam Hulfa Raihani Hulfa Raihani; Fajar Budiman; Sriwardona Sriwardona; Muhammad Fauzi
Jurnal Iqtisaduna Vol 8 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v8i1.27665

Abstract

Pemanfaatan Sumber Daya Alam (SDA) pada penggalian batu pecah memberikan manfaat besar bagi perekonomian, sosial, dan lingkungan masyarakat di Kamang Mudiak Jorong Pauah Sei Dareh. Pemanfaatan penggalian batu pecah oleh msayarakat tersebut perlu ditelusuri lebih dalam lagi terutama masalah etika, karena Islam memberikan seperangkat nilai dan etis dalam memanfaatkan Sumber Daya Alam. Oleh karena itu, penelitian bertujuan untuk menganalisis etika pemanfaatan Sumber Daya Alam penggalian batu pecah di Kamang Mudiak Jorong Pauah Sei Dareh ditinjau dari perspektif ekonomi Islam. Penelitian ini adalah penelitian kualitatif. Sumber data penelitian bersumber dari data primer, dengan alat analisis data menggunakan metode Miles dan Huberman. Hasil penelitian menujukan bahwa pemanfaatan penggalian batu pecah memberikan manfaat pemenuhan kebutuhan ekonomi, mengurangi pengangguran dan menciptakan lapangan pekerjaan. Namun pemanfaatan penggalian batu pecah juga terdapat sisi negatif yang merusak lingkungan sehingga tidak sejalan dengan aturan etika secara ekonomi Islam.
Pengaruh Penerapan Etika Pemasaran Islami Terhadap Kepuasan Pelanggan (Studi Pada Pelanggan Produk Chiztikk Surabaya) Farah Avista Melania; Ahmad Ajib Ridlwan
Jurnal Iqtisaduna Vol 8 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v8i1.29069

Abstract

Rasulullah SAW was a successful businessman in his time. He applies key success factors that make his business grow rapidly and get blessings on the side of Allah SWT, and avoid danger and cheating which is prohibited in Islam. As a Muslim business actor, you should be able to carry out the rules of buying and selling in accordance with Islamic law like the Prophet SAW. This study aims to identify the effect of applying Islamic marketing ethics on customer satisfaction for Chiztikk Surabaya products by using simple linear regression. This method is used to test the effect of variables with quantitative analysis. Questionnaires were distributed via google forms to respondents who were selected using a purposive sampling technique by determining the number of samples using the cochran formula. Respondents' answers were measured using a Likert scale. This study shows that Islamic marketing ethics as an independent variable has an influence on customer satisfaction as the dependent variable of 59.5% (R2). This study provides managerial implications for producers or sellers, where the application of Islamic marketing ethics is very important to achieve customer satisfaction.
Sistem Imbal Jasa Pada Agen BRILink: Sebuah Tinjauan Ekonomi Syariah Adi Setiawan; Adi Putra
Jurnal Iqtisaduna Vol 8 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v8i1.29124

Abstract

ABSTRACT The purpose of this study was to determine the Service Fee System at BRILink Agents in Air Dikit District, Mukomuko Regency, from an Islamic Economic Perspective. This research is a field research using a qualitative descriptive method. Data collection techniques used are observation, interviews and documentation. The results of this study indicate that the BRILink Agent Service Fee System, Air Dikit District, Mukomuko Regency is a profit sharing system or service fee between BRI and BRILink agents with a fee percentage of 50%:50%. 50% for agents and 50% for BRI. The determination of the BRILink agent service rate, Air Dikit District, Mukomuko Regency, there is no provision for the nominal administrative fee from BRI charged to customers, it's just that BRI provides standard rates with BRILink agents while the additional administrative fees in full are left to each BRILink agent, so BRILink agents can achieve the target of at least 200 transactions / month according to BRI provisions. Analysis of Islamic Economic Perspectives on BRILink Agent Service Fees, Air Dikit District, Mukomuko Regency, is in accordance with the principles of Islamic Economics, namely the principle of help, the principle of appropriateness/appropriateness, the principle/clear, and the principle of benefit. Keywords: Services, BRILink Agent, Islamic Economy
Integrated, Marketing Integrated Marketing Communication Pada Daya Tarik Embrio Destinasi Wisata Bahari Melalui Brand Building Wahyu Eko Pujianto; Lailatul Musyaffaah; Muhammad Muharrom Al Haromainy; Angga Lisdiyanto
Jurnal Iqtisaduna Vol 8 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v8i1.29593

Abstract

Sidoarjo district have an embryo maritime tourism destinations that can be a tourist destination for nautical Sidoarjo district. But, the maritime tourism still has not been exposed or promoted with maximum, so that there are many local communities, global and foreign that have not located a maritime tourism and the beauty of tourism destinations that are owned by sidoarjo. So necessary right to marketing and measurable tourist destination program. The purpose of this study is to find and testing whether integrated marketing communication influences attractiviness the embryo tourism destination, Whether integrated marketing communication impact on brand building tourism destination, and do brand building an influence on thr attractiveness of the embryo tourism destination. This research of quantitative research using a Partial Least Square ( PLS ). Population in this research is all visitors tourism in Sidoarjo district. A sample in the research used design probability sampling by choosing 80 visitors maritime tourism in the sample Technique analysis in research that is descriptive and statistic analysis inferential with the methods Partial Least Square (PLS). The research result explain that integrated marketing communication influences attraction, integrated marketing communication influences brand building , and brand building influences attraction.
Prospek dan Strategi Pariwisata Halal Pada Masyarakat Mayoritas Non Muslim Muhammad Akbar; Syahrir Mallongi
Jurnal Iqtisaduna Vol 8 No 2 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v8i2.26371

Abstract

Berbagai segmen dari pariwisata terus bermunculan salah satu adalah pariwisata halal. Namun sejak kemunculannya di Indonesia pada tahun 2010, pandangan pro dan kontra terjadi pada berbagai kalangan seperti akademisi, pemerintah dan masyarakat berbagai daerah yang penduduknya mayoritas non Muslim. Berdasarkan hal tersebut maka penelitian ini bertujuan melihat prospek dan penerapan strategi pariwisata halal pada masyarakat mayoritas non Muslim di Kabupaten Mamasa Sulawesi Barat. Jenis penelitian ini adalah penelitian kualitatif dengan pendekatan fenomenologi. Sumber data berasal dari data primer dan sekunder dengan Dinas Pariwisata sebagai informan kunci. Analisis data dilakuakan melalui tiga tahapan yaitu reduksi data, penyajian data dan penarikan kesimpulan. Pada analisis data ini menggunakan alat analisis SWOT dan QSPM. Hasil penelitian ini menunjukkan bahwa kondisi pariwisata di Kabupaten Mamasa memiliki berbagai keterbatasan sehingga menjadi suatu keharusan pemerintah Kabupaten Mamasa untuk mengembangkan pariwisata secara profesional dan menyentuh segmen-segmen baru pariwisata yang sedang berkembang. Kondisi pariwisata halal di Kabupaten Mamasa secara spesifik belum dikembangkan namun prospek penerapan pariwisata halal di Kabupaten Mamasa sangat besar. Strategi penerapan pariwisata halal di Kabupaten Mamasa dapat di lakukan dengan 12 alternatif strategi dengan 3 strategi prioritas.
Kepemimpinan dan Budaya Islam dalam Pengembangan Kompetensi Sumber Daya Insani Perbankan Syariah di Tengah Persaingan Perubahan Teknologi Norman Omang; Siradjuddin; Abd. Wahid Haddade
Jurnal Iqtisaduna Vol 8 No 2 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v8i2.31271

Abstract

Penelitian ini bertujuang untuk mengetahui: 1) implementasi kepemimpinan dan budaya islami; 2) urgensi pengembangan kompetensi sumber daya insani ditengah persaingan perubahan tekhnologi; 3) kompetensi apa saja yang dibutuhkan sumber daya insani; 4. peluang dan tantangan pengembangan kompetensi sumber daya insani di ditengah persaingan perubahan teknologi; dan 5) pengembangan kompetensi sumber daya insani pada Bank Muamalat Indonesia Regional Sulampua. Jenis penelitian yang digunakan adalah penelitian kualitatif. penelitian kualitatif. Adapun pendekatan penelitian yang digunakan adalah pendekatan theologi normatif dan pendekatan fenomenologi, dengan sumber data primer dan sekunder. Teknik pengumpulan data dengan observasi, wawancara dan dokumen-tasi. Teknik analisis adalah reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa: 1) implementasi kepemimpinan dan budaya islami sudah sesuai dengan kode etik, dan nilai-nilai muamalat IDEAL; 2) urgensi pengembangan kompetensi SDI adalah: teknologi digital, perilaku konsumen dan kebutuhan profesi; 3) Kebutuhan kompetensi SDI adalah: aspek personal (skill, knowledge, traith, values and motive), aspek organisasional (kompetensi komunikasi, perencanaan, strategi aksi, manajemen diri, kompetensi multicultural, dan team work); program core training, functional training, aspek behavioural and managerial, dan aspek spiritualitas; 4) tantangan pengembangan kompetensi SDI adalah: inovasi baru dibidang digital, komitmen dari semua pemangku kepentingan, ketersediaan anggaran, perubahan lanskap, tingginya sikap skeptis masyarakat atas keamanan, culture shock nasabah di daerah-daerah tertentu, turn over cukup tinggi. Sedangkan peluang adalah: regulator OJK yang mengharuskan perusahaan membuat roadmap pengembangan kompetensi SDI; dan 5) Upaya pengembangan kompetensi SDI adalah: program reskilling, upskilling, muamalat officer development program.
Pemberdayaan Santripreneur di Pesantren: Kajian Kepemimpinan Perempuan (Nyai) dalam Meningkatkan Keterlibatan Santriwati dalam Berwirausaha Ratih Pratiwi; Windi Novia Ratri Wardhani; Shidqon Prabowo; Farikhah Amaniyah; Fatkhur Rohim
Jurnal Iqtisaduna Vol 8 No 2 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v8i2.31321

Abstract

Pesantren is basically an institution that plays a very important role in the era of globalization, namely shaping one's personality. Character education in the current era of globalization really needs character education, because the purpose of character education is to expand spiritual intelligence. The biggest challenge in facing globalization and modernization is where the empowerment of human resources (HR) and the economy in life has changed in every way, especially social and socio-cultural which is very fast and fundamental in every aspect of life. Islamic boarding schools must be able to create people who are IMTAQ (faithful and pious), who are knowledgeable and charitable and form modern humans who are sensitive to contemporary social realities such as "al muhafadotu 'ala qodimish sholih wal akhdu bi Jadidil Ashlah" (maintaining good old things and taking matters into account). For this reason, several strategic steps need to be taken, namely: knowledge, entrepreneurial spirit and work ethic/independence. Islamic boarding schools have developed and won the trust of the community through the implementation of a dormitory system that allows students to receive religious guidance using a reading system or madrasa. In addition to showing the level of diversity, orientation of the pesantren leadership and the independence of the kiai, the high number of Islamic boarding schools indicates that pesantren is a private educational institution that is very independent and is actually a community-based educational practice. The typical leadership of Nyai has a very broad influence on the development of pesantren in society. Based on the analysis of the situation, it is necessary to have an effort to provide alternative solutions that can increase the entrepreneurial involvement of female students through the leadership of Nyai in Islamic Boarding Schools in Semarang City.

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