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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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Pengaruh Persepsi Terhadap Minat Menabung Pada Produk Simpanan Wadiah (Studi Masyarakat Desa Lepang Besar Lampung Utara) Sari, Putri Tiara; Fahlevi, Muhammad Ryan
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.v10i2.52196

Abstract

The purpose of this study was to see the effect of perceptions of the people of lepang besar village, North Lampung, on interest in saving on Islamic banking products, namely wadiah deposits. The approach in this study uses quantitative using data collection methods through distributing questionnaires with Likert scale instruments and supporting data collected through documentation techniques. Respondents in this study were 90 people from Lepang Besar Village, North Lampung. This study uses validity test analysis techniques, reliability tests, normality tests, heteroscedasticity tests, simple regression analysis, hypothesis testing using partial T tests and the Coefficient of Determination (R2). The results of this study indicate that the Perception variable (X) has a positive and significant effect on Interest in Saving (Y) with a significance value of 0.000 (<0.05) and a calculated t value of 11.464 (> 1.662). Based on the results of the Coefficient of Determination (R2) test, it is known that the effect of perception on saving interest is 59.9%. The results showed that perception has a positive and significant effect on interest in saving. Which means that people's perceptions of Islamic banks affect people's interest in saving at Islamic banks.
Keputusan Pembelian Air Mineral Dalam Kemasan Di Kabupaten Jepara Damayanti, Melisa; Musyafa', Musyafa'
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.v10i2.52350

Abstract

The purpose of this study was to examine how product knowledge, price, religiosity, and halal labeling influence consumers' decision to purchase bottled mineral water in 16 sub-districts located in Jepara Regency, Indonesia. Quantitative research methodology was applied to a population of individuals who have used bottled mineral water. The research sample amounted to 100 respondents obtained from the Lemeshow formula. Data were collected through questionnaires and used analytical techniques of validity test, reliability test, classical assumption test, multiple linear regression analysis, and hypothesis testing. The findings of the analysis show that although product knowledge, price, and halal label significantly influence consumers' decision to buy bottled mineral water, religiosity has no significant impact on the decision, indicating that consumers prioritize functional and practical factors over aspects of religiosity, among these variables, the halal label has the greatest influence on purchasing decisions. The results of this study provide valuable information for manufacturers and marketers to create more successful marketing strategies by considering the elements that influence consumer preferences.
Analisis Efisiensi pada Perusahaan Go Public Syariah Sektor Consumer Services di Masa Pandemi Covid-19 Anggita Nurcahyani; Syarifudin , Efi; Nurhab, Muhamad Irpan
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.v10i2.52358

Abstract

This research aims to analyze the efficiency level in the sharia-go public industry in the consumer service sector during the Covid-19 pandemic. This research uses a quantitative data envelopment analysis (DEA) approach. Secondary data is obtained through financial reports, which will then be measured by several variables in this research, namely total assets, operational expenses, Inventory, business income, and total asset turnover (TATO) with Maxdea Basic 8 software. The DEA model used is Variable Return to Scale (VRS). The results showed that the companies that efficiently obtained a score of 100% during 2020–2022 were PT Pembangunan Jaya Ancol (PJAA) and PT Fast Food Indonesia (FAST). Both companies operating in the tourism and restaurant sectors were able to maintain optimal performance during Covid-19. Strengthening Muslim-friendly services can be used as a strategy to restore the tourism, hotel, and restaurant business sector after the COVID-19 pandemic.
Boikot Produk Unilever: Adakah Dampaknya Terhadap Return Saham PT Unilever Indonesia? Fitriza Rahma; Anwar, Azwar; Oktaviyah, Nurafni
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.v10i2.52474

Abstract

The boycott campaign, actively promoted by the predominantly Muslim population in Indonesia, is seen as a form of solidarity with the Palestinian people and a response to the Indonesian Ulema Council (MUI) Fatwa Number 83 of 2023. This campaign has led to a decline in stock prices and returns for the targeted companies. This article aims to examine the impact of the boycott campaign against Unilever products on the stock returns of PT Unilever Indonesia before and after the issuance of MUI Fatwa Nmber 83 on November 8, 2023, which serves as the event date (t-0). A quantitative comparative approach was employed using time series data and probability sampling methods, specifically systematic sampling. The sample consists of weekly closing stock prices from observation windows ranging from t-30 to t+30, t-20 to t+20, and t-10 to t+10 around the event date. Data analysis was conducted using statistical tests, including normality tests, paired sample t-tests, and wilcoxon signed-rank tests. The results indicate no significant differences during the analyzed periods, suggesting that the boycott campaign had no substantial effect on stock returns before and after the issuance of MUI Fatwa Number 83 of 2023. This reflects the strength of brand loyalty, the stability of the Fast Moving Consumer Goods Industry, and market perception that remains unaffected by the negative signals from the boycott.
Transformasi Pasar Modal Syariah Indonesia: Menavigasi Tantangan Digitalisasi dan Inklusi Keuangan di Era 5.0 Maulana, Nora; Mukhtasar, Mukhtasar; Wibowo, Muhammad Ghafur; Razali, Razali; Safwan, Safwan
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.v10i2.52677

Abstract

The research aims to explore the development of the Indonesian Islamic capital market in the 5.0 era, explore the transformation, advantages and challenges faced by the Indonesian Islamic capital market, and formulate development strategies that can be applied in an effort to create a more modern, inclusive, transparent Islamic capital market structure, and still adhere to sharia principles. The research uses a qualitative method with an analytical literature approach. The findings of the research reveal that there are significant changes taking place in Indonesia's Islamic capital market. These transformations include the role of digitalization in promoting financial inclusion, the adoption of blockchain technology and digital security systems, the implementation of Islamic fintech, and the optimization of Islamic financial literacy. The research also highlights a series of strategic advantages for the development of Indonesia's Islamic capital market, including the synergy between the world's largest Muslim population and demographic bonus, increasing global demand for sustainable finance, and rapidly growing digital connectivity. The findings confirm a number of crucial challenges faced such as limited technological infrastructure, suboptimal regulatory harmonization, low levels of literacy, public perception and trust in Islamic capital markets, high competition with conventional capital markets, limited product variety, and risk management and security of digital transactions.
Evolusi Mata Uang Logam, Fiat Money hingga Uang Elektronik: Manakah yang Lebih Unggul? Ummah, Dewi Roichatul; Khusnudin, Khusnudin
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.v10i2.52699

Abstract

This study aims to analyze the evolution of metal currencies in dinars and dirhams, fiat money to electronic currencies, namely e-money, and compare currencies superior to the three currencies and see people's preferences for currencies. Qualitative research with a literature study approach. The result is to find out the evolution of metal currencies in the form of dinars and dirhams, banknotes, and electronic money see the preferences of the Indonesian people towards the currencies used, and see the impact of using e-money. These results will show the public how the currency is superior in terms of intrinsic value, and socio-economic, and technological developments so that later the public will know which currency is good to use in transactions.
Larangan Riba dalam Hadits di Era Digital Arum, Hafidza Sanshia; Muzan, Amrul
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.v10i2.52720

Abstract

This study discusses the relevance of the prohibition of usury in the hadith in the digital era, focusing on the application of sharia principles in modern financial technologies such as fintech, cryptocurrency, and online lending. The purpose of the study is to explore the concept of usury in the hadith and identify its implications for the contemporary digital financial system. This research uses a qualitative method with a descriptive-analytical approach. Data collection was conducted through library research, using primary sources in the form of relevant hadith texts and secondary sources such as journal articles and books. The data were analyzed using a thematic approach to identify the relevance of the prohibition of usury in digital financial transactions. The results show that although digital financial technology offers wider financial inclusion, some financial products still have the potential to involve usury practices. The implications of this study include the need for stricter regulations, development of sharia-based fintech products, and improvement of public financial literacy. Thus, the prohibition of usury in the hadith remains relevant as a guide in facing the challenges of modern financial technology in order to achieve economic justice in accordance with sharia principles.
Maqashid Syariah dan Kesejahteraan Masyarakat Lokal di Kawasan Destinasi Wisata Sungai Kapuas Safira, Laila; Hakim, Luqman; Kalbarini, Rahmah Yulisa
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.v10i2.52744

Abstract

Tourism development is considered necessary to realize the welfare of the community, especially community, this welfare is not only seen from income alone but also Maqashid sharia. This research aims to see how the fulfillment of the needs if local communities aroud the Kapuas River tourist area seen from Maqashid Sharia. This research uses a descriptive method with a qualitative approach. The data collection techniques used were observation, interview, and documentation. Data were obtained from informants, such as Pontianak City Tourism Office, local community leaders and local communities. Based on the data collection and processing techniques above, the conclusions of this study are; The existence of the Kapuas River Tourism Area with existing tourism carrying capacity is able to improve the economy of the surrounding community. Judging from the increase in efforts to fulfill the needs of hajiyah and tahsiniyah needs. While in Maqashid sharia, this tourist area provides the potential to fulfill the needs for Hifsz al-Din (Maintenance of Religion), Hifdz al-Nafs (Maintenance of Life), Hifdz al-Aql (Maintenance of Intellect), Hifdz al-Nasl (Maintenance of Descent), Hifdz al-Mal (Maintenance of Property).
Penerapan Analisis Kelayakan Pembiayaan 5C+1S untuk Meminimalisir Pembiayaan Bermasalah pada Bank Syariah Indonesia (BSI) Hasna Aulia Rahmawati; Rohmah, Hafiza Zaidatur; Marsheila, Clarisa Devi; Asiyah, Binti Nur
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.v10i2.52828

Abstract

Pembiayaan Bank Syariah Indonesia (BSI) tidak luput dari pembiayaan bermasalah. Pembiayaan bermasalah menimbulkan kerugian bagi pihak bank ataupun pihak lain yang berkepentingan. Untuk menanggulangi dampak tersebut, maka Bank Syariah Indonesia (BSI) perlu melakukan tindakan preventif salah satunya dengan menerapkan analisis kelayakan pembiayaan. Tujuan penelitian ini adalah untuk meneliti penerapan analisis kelayakan pembiayaan 5C+1S untuk meminimalisir pembiayaan bermasalah pada Bank Syariah Indonesia (BSI). Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui studi literatur. Hasil penelitian menunjukkan bahwa penerapan aspek 5C+1S yang mencakup Character (karakter), Capacity (kapasitas), Capital (modal), Collateral (jaminan), Condition (kondisi), dan Sharia (syariah) dapat meminimalisir pembiayaan bermasalah di Bank Syariah Indonesia (BSI). Hal ini ditunjukkan oleh penurunan rasio NPF dari 2,93% pada 2021 menjadi 2,08% pada 2023, yang mencerminkan keberhasilan meminimalisir pembiayaan bermasalah sekaligus meningkatkan kinerja bank secara keseluruhan.
Model Pemberdayaan Ekonomi Umat Melalui Aset Wakaf Masjid Besar Darul Muttaqin Kecamatan Alang Alang Lebar Palembang Syukriah, Syukriah; Antasari, Rina; Azwari, Peny Cahaya
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.v10i2.52837

Abstract

This research aims to describe the model of economic empowerment of the people through the waqf assets of the Darul Muttaqin Grand Mosque. The research problem is to find out the description of the model, analysis and transformation of economic empowerment of the people through waqf assets at the Darul Muttaqin Grand Mosque, Alang Alang Lebar District. The research method the author uses is qualitative. Based on the results of the research and discussion, it is known that the description of the economic empowerment model for the people is a consumptive model and a productive model which is useful in assisting in poverty alleviation programs and leading to a prosperous society by empowering an independent community economy. Useful for increasing economic welfare, helping to increase community income, economic independence and reducing poverty, and for economic empowerment of the people based on sharia values in congregation, carried out based on cooperation and based on the spirit of helping each other in goodness, and can be transformed into the community or congregation appropriate and in accordance with Islamic law.

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