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Elex Sarmigi
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Al Dzahab
Published by Institut Agama Islam Negeri Kerinci
ISSN : 28087585     EISSN : 28087631     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Al Dzahab: Journal of Economics, Management, Business and Accounting focus on economic research, the issues include the development of economics, management and business, accounting, and economic knowledge that focus on management and business, economic development, accounting, state owned enterprise, International Trade, and economic applications. Al-Dzahab also embraces Islamic economics and accounting issues. Al Dzahab: Journal of Economics, Management, Business and Accounting is accessible to academic and university researchers, research institutes, librarians, graduate and postgraduate students to share the result of their researches. Al-Dzahab is a forum for both academics and practitioners to share scientific knowledge on economic research.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 87 Documents
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THE IMPACT OF THE MUZARA'AH PRODUCT SHARING SYSTEM IN THE CULTIVATION OF COFFEE LANDS IN KERINCI REGENCY, INDONESIA Zuhri, Almuluk Fajar; Sakdan, Mohd. Fo’ad
Al Dzahab Vol. 5 No. 1 (2024): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v5i1.3586

Abstract

Purpose: The people of Kerinci Regency often do muzara'ah profit sharing called pduo in coffee land management. Therefore, the background of muzara'ah needs to be analyzed to determine the agreement system, the distribution of results, and the impact on the income of tenant farmers and landowners. Design/ Methodology/Approach: To get answers to the research objectives, qualitative research was conducted using a case study approach to obtain research results. Finding: The maharajah profit-sharing system is motivated by farmers who do not own land and have limited capital, landowners due to age, and other jobs such as traders and civil servants, so they do not have time to manage the land. Oral and non-verbal contracts with no witnesses present precede the management system. Muzara'ah profit sharing has a positive impact on increasing the income of tenant farmers and landowners. Research Implications: Based on this research's results, coffee farmers' income can be increased through the Muzara'ah profit-sharing system.Keywords: Muzara'ah; Coffee; Pduo; Management
Faktor-Faktor yang Mempengaruhi Kepuasan Pengguna Jaminan Kesehatan Nasional: Factors Influencing User Satisfaction with the National Health Insurance Anggreiniboti, Tanti; Primal, Def
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4351

Abstract

Purpose: This study aims to identify the factors influencing user satisfaction with the National Health Insurance in Indonesia. Design/Methodology/Approach: This is a quantitative study with an analytical method using a cross-sectional approach. The population in this study consists of Indonesian citizens, utilizing data from the 2014 Indonesian Family Life Survey (IFLS). The total sample used in this study is 5,041 respondents. Data processing is conducted using the Stata application, employing the logit analysis method. Findings: There is a positive and significant influence of healthcare facility utilization and health insurance ownership on user satisfaction with health insurance. However, out-of-pocket payments beyond regular insurance contributions and waiting time do not affect user satisfaction with health insurance. Research Implications: Policies are needed to anticipate dissatisfaction among health insurance users by minimizing additional costs beyond the regular insurance contributions. Efforts should also be made to reduce waiting times for healthcare services.
Bitcoin dalam Persepektif Fiqih Muamalah Kontemporer: Bitcoin in the Perspective of Contemporary Fiqh Muamalah Ulfah, Nurul; Aningti, Amanda Dwi; Suryani, Suryani; Marfu’ah, Siti; Humaemah, Ratu; Azim, Muhammad Fadli; Setiadi, Rezky Mehta
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4361

Abstract

Purpose: This research is to understand Bitcoin in the perspective of contemporary muamalah fiqh, find out how contemporary scholars understand bitcoin and analyze whether it is permissible or not from the perspective of contemporary muamalah fiqh. Design/methodology/approach: This research method is included in the quantitative category with a descriptive approach process, where the data collection technique relies on references in the library method as the main source. In other words, the data collection method is obtained from literature, such as articles, online media, books and other sources.  Findings: : The results of this research show that bitcoin as an investment is not permitted because it contains gharar and maysir, and is not recognized as an official medium of exchange. The Indonesian government also does not support bitcoin as an official currency and considers it illegal under the Bank Indonesia Law. Research implications: From the results of this research, it is known that the development of Bitcoin in the Contemporary Prefective Fiqh of Muamalah, namely cryptocurrency, whether Bitcoin or other related cryptocurrencies, is still not accepted in Islamic law. and it could be said that it has not been legally and legitimately accepted in Indonesia.
Pemberdayaan BUMDes dalam Mendukung Pembangunan Berkelanjutan Berdasarkan Maqashid Al-Shari’ah di Provinsi Jawa Timur: Empowerment of BUMDes in Supporting Sustainable Development Based on Maqashid Al-Shari'ah in East Java Province Siama, Lailatus
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4495

Abstract

Purpose: To analyze the existence of BUMDes for sustainable development based on maqasid al-shari’ah in East Java. Design/methodology/approach: This study uses a qualitative research approach with a literature review method. Data sources were taken from 5 samples of BUMDes empowerment in East Java sourced from Journals. Findings: Based of the 5 samples used, the implementation of BUMDes in East Java, has supported the SDGs in the areas of zero poverty, zero hunger, gender equality, decent work and economic growth, responsible consumption and production, and partnership for the goals, which align with the 5 fundamental elements of maqasid al-shari’ah, namely hifz al-din, hifz al-nafs, hifz al-nasl, hifz al-aql, and hifz al-mal. Research implications: The empowerment of BUMDes in East Java is implemented in the form of establishing various business units in different field, ranging from MSMEs shops, land utilization for agriculture, livestock, and fisheries, rental business, sharia financing business, and training programs that can ebhance human resources.
The Alternative Use of Islamic Endowment (Waqf) for Educational Desire Among Contemporary Northern Nigerian People: Penggunaan Alternatif Wakaf Islam untuk Kebutuhan Pendidikan di Kalangan Masyarakat Nigeria Utara Kontemporer Muhammad, Adamu Abubakar; Ardo, Adam Muhammad; Aliyu, Shafa’at Ahmad; Muhammad, Zuwaira Jibril
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4932

Abstract

Purpose: The feasibility and effective use of Waqf to bridge educational disparities in Northern Nigeria are investigated in this study. Design/methodology/approach: This study employs a qualitative methodology that includes a review of the literature, case studies, and expert interviews. These methods enable a thorough understanding of the challenges facing the local educational system as well as the contributions Waqf has made to the growth of education both historically and currently. Findings: Important insights into how Islamic endowment systems can reduce significant educational disparities in the region are obtained via the examination of relevant theoretical frameworks and empirical research. It highlights the potential uses of these endowments, which are motivated by religious beliefs, to fund education for disadvantaged pupils by examining Waqf models that have been successful in other Muslim nations. Research implications: Incorporating Waqf into educational funding would offer a workable, long-term way to reduce the negative consequences of the socioeconomic crisis and enhance educational goals in the region.
Education and Socialization of Understanding the Importance of Halal Food and Drinks for Elementary School Students: Pendidikan dan Sosialisasi Pemahaman Pentingnya Makanan dan Minuman Halal bagi Siswa Sekolah Dasar Amin, Ageng Rayhan Al; Nasution, Ayu Niatasya; Faddila, Luthfiya; Putra, Nanda Nofaldi; Riswanto, Riswanto; Fatira, Marlya AK; Rahman, Abdul
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4936

Abstract

Purpose: This study aims to improve elementary school students' literacy regarding the consumption of halal food and drinks in the school environment and to establish it as a habit. Design/methodology/approach: This activity was conducted at SDT Al-Bukhari Muslim, located at Jl. Sriwijaya No. 57, Petisah Hulu Village, Medan Baru District, Medan City, North Sumatra. Data collection techniques included interviews with SDT Al-Bukhari Muslim representatives. The proposed solution is knowledge transfer to students through Educational Seminars and Socialization on the Importance of Halal Food and Drinks for Elementary School Students. Findings: The results indicate that the lack of students' understanding of the importance of consuming halal food and drinks was successfully addressed. Students' comprehension increased by 87% after educational and socialization activities on the importance of consuming halal food and drinks. Research implications: An educational program on halal food and drink consumption for SDT Al-Bukhari Muslim students can be implemented through a sustainable education and socialization program to enhance students' understanding of the importance of halal food and drinks.
Halal Economic Ecosystem of Indonesia and Thailand through Halal Certification Bodies (BPJPH & CICOT): Ekosistem Ekonomi Halal di Indonesia dan Thailand melalui Lembaga Sertifikasi Halal (BPJPH & CICOT) Jannah, Muti’ah Nurul; Suryani, Suryani; Syarifudin, Efi
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4937

Abstract

Purpose: This study aims to analyze the halal economic ecosystem in Indonesia and Thailand through the role of halal certification bodies, namely BPJPH (Halal Product Assurance Organizing Agency) in Indonesia and CICOT (Central Islamic Council of Thailand) in Thailand. Design/methodology/approach: Using a qualitative descriptive research method, this study examines how both countries develop the halal economic ecosystem through aspects of demand, government support, and the availability of halal products. Findings: The results indicate the growth of the halal economic ecosystem, which requires approaches in terms of demand, support, and supply. Research implications: The growing Muslim population drives the increasing demand. The establishment of BPJPH (Halal Product Assurance Organizing Agency) in Indonesia and CICOT (Central Islamic Council of Thailand) illustrates the government’s support for developing the halal economic ecosystem in Indonesia and Thailand. Lastly, the collaboration between Indonesia and Thailand serves as an additional effort to advance the global halal economic ecosystem.
Development of Syariah Fintech: Challenges and Opportunities in the Digital Economy: Pengembangan Fintech Syariah: Tantangan dan Peluang dalam Ekonomi Digital Hasanah, Riska Ardila; Hasan, Zulfikar; Muhardi, Sona
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4938

Abstract

Purpose: This study aims to analyze the challenges and opportunities in the development of Sharia Fintech in the digital economy era. Design/methodology/approach: This study employs a library research approach. The researchers identify, evaluate, and analyze literature that discusses Islamic economics, digital technology, and the integration between the two. Findings: The development of Islamic economics in the digital era faces various complex challenges. One of the main challenges is the low level of digital literacy among the target market of Islamic economics. Many individuals and small and medium enterprises (SMEs) have not fully understood or adopted digital technology, which hinders the integration of Islamic economic services with digital platforms. Research implications: The Sharia Fintech industry needs to enhance education and services to make them more accessible to the public. The government also needs to strengthen regulations and infrastructure to support the growth of this sector. Additionally, society must improve digital literacy to fully utilize Sharia Fintech services. Therefore, collaboration between industry, government, and society is crucial in building an inclusive and sustainable Islamic financial ecosystem in the digital era.
PENGARUH KUALITAS PELAYANAN, KELENGKAPAN PRODUK DAN LOKASI TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN Mutia, Agustina; Rahma, Sri; Gustina, Chairunnisa
Al Dzahab Vol. 5 No. 2 (2024): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v5i2.3094

Abstract

Purpose: This research aims to determine and analyze the influence of service quality, product completeness, and location on purchasing decisions. Design/Methodology/Approach: The method used is a quantitative method with data analysis, namely the Determinant Coefficient Test. Findings: The research results show that service quality, product completeness, and location have a positive and significant effect on purchasing decisions. Research Implications: The results of calculating the coefficient of determination show that the variables of service quality, product completeness and location are 39% and the remaining 61% are influenced by other variables outside this research.
FINANCIAL INCLUSION (FI): KINERJA UMKM DI INDONESIA DARI PUBLISH OR PERISH Jeprianto, Eeng; Satria, Chandra
Al Dzahab Vol. 5 No. 2 (2024): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v5i2.3234

Abstract

Purpose: This study aims to analyze the financial inclusion of Micro, Small, and Medium Enterprises (MSMEs) that are currently supporting economic growth in Indonesia. Design/Methodology/Approach: Systematic Literature Review (SLR) is a method in this observation by reviewing certain topics of discussion that focus on specific problems that have been identified and classified in a structured manner, assessed, concluded, and selected based on previously determined benchmarks based on evidence and facts from quality research that is relevant to the research question. Research data was obtained from Google Scholar for the period 2011-2022 based on the initial search, there were 198 articles, and only 25 articles were used as data sources and will be studied in more depth. Findings: The results of the research show that through investment diversification, risk management, and wise financial planning, individuals and companies can reduce the negative impact of economic impacts and maintain their financial stability. Research Implications: Insulation can help MSMEs protect their businesses from market shocks, interest rate changes, or other external impacts that can be detrimental. Financial inclusion after the economic crisis that occurred in 2008 hurt financial stability in Indonesia.

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