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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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Model Pemberdayaan Ekonomi Masyarakat Lokal Dalam Meningkatkan Pendapatan Melalui Pasar Krempyeng dan Peran Pemerintah Ponorogo Ditinjau Dari Perspektif Ekonomi Islam (in press) titiksriwinih sri
Jurnal Iqtisaduna Vol 9 No 1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i1.33722

Abstract

The model for empowering the Ponorogo district government in empowering the local community's economy through the krampyeng market is viewed from an Islamic economic perspective. This activity at the Krempyeng market is a form of economic empowerment model for local communities in order to prosper, improve and revive the economy of the Ponorogo area, especially in rural areas or sub-districts. The enthusiasm of the Ponorogo district government regarding the krampyeng market is that the Chairperson of the Empowerment and Family Welfare Mobilization Team (TP PKK) has the role of facilitator, planner, implementer, controller and activator at each level for the implementation of the PKK program. In leading an area, as a leader Ponorogo Regency when viewed from an Islamic economic perspective is in accordance with conceptual leadership such as the basis of monotheism, leader responsibility, justice, equality among fellow Muslims, deliberation. The krampyeng market program has an impact in the economic, social and cultural fields. Keywords: empowerment, krampyeng market, role of government, Islamic economics
Islamic Views on Online Shopping Nur Apriyani
Jurnal Iqtisaduna Vol 9 No 1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i1.35559

Abstract

Sale and purchase is an agreement to exchange goods/services that have value, between 2 parties with agreements/conditions justified by syara'. Shari'a means that buying and selling is tried in accordance with the terms, pillars and other matters related to buying and selling. Humans as social beings who live together need one another, hikmah from buying and selling can help humans for this qualitative survival. This study uses a literature research study through novels, diaries and other literature to form a theoretical basis. To examine written sources such as scientific diaries, literature reference novels, encyclopedias, scientific essays, scientific papers and other sources both in writing and in digital formats that are relevant to the object being researched either in the form of text or writing as well as to describe the online shop. Buying and selling in essence is not only consumptive in nature and only has material factors to gain profit in this world, but also essential benefits in the hereafter, of course by paying close attention to the principles of buying and selling which are permissible according to syar'i. At present, business models are emerging using modern technological sophistication. With the development of electronics, it influences aspects of human life, especially in online buying and selling transactions, namely the internet. Technological growth makes it easier for someone to access the internet. This convenience is utilized in fulfilling all daily needs as well as buying and selling transactions of goods or services via the internet/online. Online transactions are the same as offline, which distinguishes the place for transactions in cyberspace, even though they are in different regions. Buying and selling online is permissible if it matches the requirements of Islam. As long as no one is harmed and agrees, buying and selling online is allowed.
Pendayagunaan Zakat Produktif Berbasis Al-Adl Dalam Meningkatkan Kesejahteraan Mustahiq di Wahdah Inspirasi Zakat Kota Makassar Munawwarah Sahib; Jamaluddin Jamaluddin; Nur Ifna
Jurnal Iqtisaduna Vol 9 No 1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i1.36038

Abstract

This research was conducted to find out to which the implementation of the utilization of productive zakat based on justice in increasing the welfare of mustahiq, this study used a qualitative descriptive analysis approach. Data collection used are observation, interviews, and documentation. The results of this study indicate that the empowerment of productive zakat is carried out in the form of providing business capital to micro and small business actors in three programs, namely business skills training, micro-enterprise development in the archipelago, and independent mother entrepreneurs. Utilization of productive zakat in the context of justice, Wahdah Inspirasi Zakat has applied the principles of justice in the process of utilizing zakat to mustahik, where the principle of justice in Islam is justice in a proportional form, namely by distributing zakat funds based on the level of need for mustahik on a priority scale, there are also the term justice in the form of equal rights and obligations in the sense of not discriminating between one mustahik and another mustahik, so that mustahik who have felt the benefits of zakat funds directed to productive activities can improve welfare and help meet the needs of their families in the future
Pengaruh Profitabilitas, Leverage dan Ukuran Perusahaan Terhadap Pengungkapan Islamic Social Reporting dengan Dewan Pengawas Syariah Sebagai Variabel Moderasi (Studi Empiris pada Bank Umum Syariah di Indonesia) Murliani Musa; Muhammad Wahyuddin Abdullah; Abdul Wahid Haddade
Jurnal Iqtisaduna Vol 9 No 1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i1.36044

Abstract

This study aims to determine the effect of profitability, leverage and company size on the disclosure of Islamic Social Reporting. This research is a quantitative research with a causal approach. Purposive sampling method as many as 13 Islamic Commercial Banks in Indonesia. Multiple linear regression analysis for the hypothesis of profitability, leverage and firm size on disclosure of Islamic Social Reporting. And analysis of regression moderation with the absolute difference value approach for the hypothesis of profitability, leverage and company size on disclosure of Islamic Social Reporting which is moderated by the sharia supervisory board. The results of the study with multiple linear regression analysis show that profitability, leverage and firm size have a positive effect on disclosure of Islamic Social Reporting. Analysis of the moderating variable with the absolute difference value approach shows that the sharia supervisory board is able to strengthen the influence of profitability, leverage and company size on disclosure of Islamic Social Reporting.
Model Pemberdayaan UMKM Berbasis Masjid Andi Faisal; Fakhruddin Kurnia M
Jurnal Iqtisaduna Vol 9 No 1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i1.36054

Abstract

This research explores the MSME empowerment model carried out by mosque managers. The study was designed using a qualitative method. The research design used an interpretive paradigm to describe and understand social situations, interactions, and the role of the research object's actions in empowering the community's economy. Ernams in Robiatul argues that the interpretive paradigm is a social system that interprets behaviour in detail by directly observing. The approach used in this study is phenomenological. The object of this research is the Great Mosque of Sidrap and several other mosques. Data collection techniques using observation, interviews and documentation. The study results show that the MSME empowerment model carried out by mosque managers is by building a sharia cooperative system using the concept of profit sharing. Sharia cooperatives based on the type of savings and loan business can be implemented using the idea of mudharabah, and sharia cooperatives based on the type of product business or the sale of staple goods can be implemented using the musyarakah concept. Keywords: Role Model, Empowerment, MSMEs, Mosque Empowerment
Analisis Faktor- Faktor Keputusan Milenial Kota Medan Dalam Berinvestasi Emas Logam Mulia Pada Bank Syariah Mildayani Siregar; Annio Indah Lestari Nasution; Siti Aisyah
Jurnal Iqtisaduna Vol 9 No 1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i1.36544

Abstract

Penelitian ini Bertujuan untuk mengetahui seberapa besar pengaruh pengetahuan, harga emas, pendapatan dan motivasi terhadap keputusan milenial dalam berinvestasi emas logam mulia. Jenis penelitian ini adalah kuantitatif dengan menggunakan metode analisis deskriptif. Teknik pengumpulan data dengan menggunakan kuisioner serta populasi dan sampel dalam penelitian ini sebanyak 400 orang. Penyebaran kuisioner kepada responden dalam penelitian ini menggunakan teknik random sampling. Kemudian data yang telah berhasil terkumpul diuji dengan alat bantu aplikasi SmartPLS 3.2.9. Penelitian ini memperoleh hasil variabel pengetahuan tidak berpengaruh positif dan signifikan terhadap keputusan milenial dalam berinvestasi emas. Variabel harga emas berpengaruh positif dan signifikan terhadap keputusan milenial dalam berinvestasi emas logam mulia. Variabel pendapatan tidak berpengaruh positif dan signifikan terhadap keputusan milenial dalam berinvestasi emas logam mulia. Variabel motivasi berpengaruh positif dan signifikan terhadap keputusan milenial dalam berinvestasi emas logam mulia.
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.
Zakat Distribution in Minimizing Poverty Levels For Economic Development Apriyani, Nur
Jurnal Iqtisaduna Vol.10 No.1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i1.39931

Abstract

Poverty is one of the significant societal challenges in many countries. The government and social organizations have tried to reduce poverty through various programs and policies. One instrument recognized as having the potential to reduce poverty is zakat, a social obligation for Muslims to give a portion of their wealth to those who deserve it. The purpose of this study is to analyze the role of zakat in minimizing poverty. Zakat has great potential to help reduce poverty in Indonesia. Evaluate the effectiveness of zakat distribution by assessing the extent to which zakat has been effectively distributed to those entitled to receive it. Many zakat programs implemented have directly assisted individuals and families in need. As well as measuring the impact of zakat on the economic empowerment of zakat recipients. This can involve analyzing economic growth, creating jobs, and improving the economic welfare of zakat recipients. Zakat has also been used to develop program skills and training, positively impacting Zakat recipients' social and economic mobility. However, this study also identifies several challenges that must be overcome in implementing zakat to minimize poverty. Some of these include the need for more awareness about zakat and its distribution mechanisms, uneven distribution, and governance problems within zakat institutions.
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.

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