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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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Analisis Ekonomi Syariah Terhadap Hubungan Patron-Klien Pada Jual Beli Gabah di Kabupaten Pinrang Jamal, Riska; Bahri S, Andi; Mahsyar, Mahsyar
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.50490

Abstract

This study aims to determine the analysis of Islamic economics on patron-client relationships in the sale and purchase of rice in Pinrang. This study is qualitative. Researchers conducted observations and interviews according to the main problem. The results of the study showed that the terms of sale and purchase had yet to be fully implemented in the transaction. The price used was based on the market price by the intermediaries. The scale deduction was reduced by 5-10 kg/sack according to the rice problem. The intermediaries imposed deferred payments. This happened because of the involvement of the patron-client relationship between farmers and intermediaries. As a result of the dependence between the two, they had a long-lasting and lasting relationship; farmers had an attitude of dependence, accepted low prices, and were easily exploited by intermediaries. Thus, the analysis of Islamic economics on the patron-client relationship in the sale and purchase of rice in Pinrang Regency is not in accordance with the provisions of Islamic economics because there is still injustice.
Implementasi Etika Bisnis Islam Pada Aspek Produksi dan Sistem Marketing Bisnis Skincare Ratu Glow Syaharuddin, Syaharuddin; Irfan, Fitriani; Awaluddin, Awaluddin
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.45730

Abstract

The main problem of this research is how to apply Islamic business ethics in an effort to increase consumer confidence in the Ratu Glow skincare business. This type of research is a qualitative field study, with the research approach used being a normative theological and phenomenological approach. Then the primary data source for this research comes from Ratu Glow management and consumers who have used Ratu Glow skincare. The data collection methods used were observation, interviews and documentation. The results of this research reveal that the Ratu Glow skincare business has implemented Islamic business ethics in its business operations, both in the production aspect and in the marketing aspect. The forms of Islamic business ethics that have been applied to the production aspect of Ratu Glow's skincare business include the principle of monotheism, the principle of justice, the principle of freedom, the principle of responsibility and the principle of Ihsan. Meanwhile, the business ethics applied to the marketing aspect are honesty, trust, fathana, tabliq and tolerance.
Understanding Compliance With Paying Zakat: Insights From Recent Literature Azis, Saipul; Hulwati, Hulwati; Novia, Aidil
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.50453

Abstract

This study aims to understand zakat compliance through the latest literature review from 2020-2024. The method used is a literature study by collecting and analyzing data from relevant scientific articles. Data analysis uses content analysis to identify and categorize the main themes that emerge from the analyzed literature, as well as thematic analysis to identify recurring patterns or themes in the data. While the analysis tools use the Vosviewr application, Microsoft Excel and Mendeley. The results of the study show that the latest literature insights from 2020-2024 have 15 variables with the most appearances in publications on zakat, including attitudes 78 occurrences, knowledge 63 occurrences, zakat institutions 62 occurrences, income 55 occurrences, compliance behavior 52 occurrences, influence 52 occurrences, religiosity 52 occurrences, income zakat 43 occurrences, subjective norms 43 occurrences, trust 41 occurrences, awareness 34 occurrences, professional zakat 18 occurrences, self-efficacy 18 occurrences, BAZNAS 14 occurrences, and accountability 13 occurrences. By understanding the variables that influence the fulfillment of zakat, it is hoped that the level of fulfillment can increase, so that zakat collection will also increase. This will support the redistribution of wealth and facilitate poverty alleviation efforts.
Analisis Pemahaman Masyarakat tentang Ke-halal-lan Produk Bank Syariah Indonesia Cabang Kota Sungai Penuh Pratama, Adrian; Sarmigi, Elex
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.50889

Abstract

The development of Indonesian Sharia Bank (BSI) is currently developing in Indonesia. Sharia banking provides benefits for the people of Sungai Penuh City, especially for those who are Muslim. The aim of using field research (empirical) like this is to assess the level of understanding of customers using BSI products at the Sungai Penuh City Branch using interview and observation methods. This research uses a qualitative descriptive method. The subjects used were customers of the BSI Sungai Penuh City Branch. The results of this research show that BSI customers' understanding of the Sungai Penuh branch regarding the halal and halal nature of BSI products is not yet fully understood, customers still think that BSI products are not much different from conventional banks. However, customers already understand about BSI products which are related to the element of usury.
Loyalitas Nasabah Pada Bank Syariah Indonesia: Peran Kualitas Pelayanan, Atribut Produk Islami, dan Citra Perusahaan Pasya, Andhira Juanita; Widyaningsih, Meilana
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.51358

Abstract

This study aims to determine the effect of service quality, Islamic product attributes, and corporate image on customer loyalty with the aim of continuous improvement and customer balance at Bank Syariah Indonesia (BSI). The data type used in the study is quantitative, with primary data. The population used in this research were all Bank Syariah Indonesia customers in Surakarta. They were collected using questionnaires physically and online to Bank Syariah Indonesia (BSI) customers. The questionnaires collected were 138 respondents to be used as samples and then analyzed using SPSS 23. The analysis method used was multiple linear regression analysis. The research results showed: that (1) service quality has no effect on customer loyalty, (2) Islamic product attributes have an effect on customer loyalty, and (3) company image has an effect on customer loyalty.
Peran Modal Intelektual dalam Keunggulan Bank Syariah di Indonesia Rahmadhani, Annisa; Widyaningsih, Meilana
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.51359

Abstract

This study aims to determine the influence of Intellectual Capital on Profitability in Sharia Commercial Banks in Indonesia. The population used in this research is the annual financial reports of Islamic banks registered with Sharia Commercial Banks (BUS) for 2019-2023. The number of samples used in this research was 11 samples. The type of data used in this research is quantitative research, using secondary data with financial reports. The analysis tool used is SPSS 23.0. The data analysis used is in the form of classical assumption tests and multiple linear regression analysis. The results of this test show that simultaneously Intellectual Capital (VACA, VAHU, and STVA) has an effect on profitability (ROA) of 72.1%. Partially, it indicates that VACA and VAHU have a significant impact on bank profitability (ROA), because the significant value of these two variables is <0.05. Meanwhile, STVA does not have a significant effect on profitability (ROA), this is because the significant value of STVA is > 0.05.
The Analysis of Macroeconomic Factors in The Sharia Stock Index Performance: Comparison Between Indonesia and Malaysia Sholikah, Mar'atus; Safitri, Anni
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.51468

Abstract

This study aims to determine the effect of macroeconomic factors on the performance of the Sharia stock index in Indonesia and Malaysia during 2013-2018. The data source for this study is secondary. The data was collected using documentation and analysed using several linear regressions with the EVIEWS 8 program. The results of this study are that the exchange rate does not affect the performance of the Sharia stock index in Indonesia. In contrast, the exchange rate harms the performance of the Sharia stock index in Malaysia, meaning that the negative effect is supported when the currency depreciates, so that it will increase exports carried out by exporting companies. Inflation does not affect the performance of the Sharia stock index in Indonesia. However, in Malaysia, inflation positively affects the performance of the Sharia stock index, meaning that increasing inflation will increase the stock price index. Interest rates and production indexes do not affect the performance of the Sharia stock index in Indonesia and Malaysia.
Fenomena Praktek Ba’I An-Najasy di E-Commerce Perspektif Ekonomi Syariah Safitri, Denta; Erdiansah, Alim; Darma Yanti, Juli; Rozalinda
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.51757

Abstract

This research was conducted with the aim of analyzing the phenomenon of ba'i an-najasy on e-commere , namely comments that praise goods, even though they are not appropriate at the time of receipt of goods, this is done to increase sales. This type of research is qualitative, namely research based on descriptions of words and sentences that are carefully and methodically arranged, from data collection to interpretation and reporting of research findings. data collection using field research methods with interviews and participatory observation, where researchers are involved in the daily activities of the people observed. Thetype of data is primary data with data sources, namely information collected directly from the field, namely consumers who have made purchase transactions on e-commerce in Kerinci Regency and actively participate in buying and selling on e-commerce. The sample was determined using the snowball sampling method, the data was analyzed descriptively. The results showed that33 out of 40 consumers felt market engineering and although 7 people did not feel the same way, the problem of the phenomenon of ba'i an-najasy practice still often occurs among e-commerce users in the community in Kerinci Regency.
Pandangan Ekonomi Syariah terhadap Praktik Gesek Tunai Pay Later pada GoPay Later Wulandari, Silvia Anggraeny Sri; Kalimah, Siti
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.51859

Abstract

Technological advances have made it easier to make transactions, one of which is through paylater payment systems, such as GoPay Later. However, this convenience provides a gap for abuse, especially through the disbursement of paylater limits that are not in accordance with company regulations, known as cash swipe. In this practice, the Gopay Later limit owner uses the services of a third party to disburse the limit through fictitious transactions. This research reviews the concept of an ijarah contract, which means that transactions must not be tied to certain conditions and must be based on the benefits obtained. This research aims to provide further understanding to readers about the importance of conducting transactions according to sharia principles. This research uses descriptive qualitative method with primary data obtained through interviews with service owners. The results show that ijarah contracts in the practice of cash swipe services are allowed if both parties agree and understand the agreement. However, this cash swipe transaction has risks that need to be considered by both parties.
Analisis Pembiayaan Perumahan Syariah pada Perumahan Balad Residence Property Arfah, Nafis Ali Muhammad
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.51866

Abstract

This study aims to analyze the Islamic housing financing scheme of Balad Residence Property, focusing on the contract, process, marketing strategies, and risk management from an Islamic perspective. The study is motivated by the increasing demand from Indonesia's Muslim community for interest-free housing financing, as conventional mortgage schemes contain interest elements that conflict with Islamic principles. The Sharia mortgage scheme has emerged as a solution to address this demand. This research employs a descriptive qualitative method, collecting primary data through field observations and interviews with developers, employees, and consumers. The findings reveal that the financing scheme uses an istisna’ contract (a sales contract based on orders), where consumers make payments directly to the developer without involving a third-party bank. Although this scheme aligns with Islamic principles, its risk management remains insufficient, leading to challenges for both developers and consumers. This study provides valuable insights for developers to improve the Islamic housing financing scheme and offers considerations for consumers when making decisions.

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