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Harun Alrasyid
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El-Aswaq
Published by Universitas Islam Malang
ISSN : -     EISSN : 27454266     DOI : https://doi.org/10.33474/laswq
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
The scope of El-Aswaq are limited to islamic economics, islamic banking and finance, islamic economic management, islamic economics law, management Zakat, Infaq, Shodaqoh, and Waqf, islamic entrepreneurship and business, islamic economics thought, islamic insurance, islamic accounting
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 128 Documents
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ANALISIS PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENGGUNAKAN PRODUK PERBANKAN SYARIAH (Studi pada Mahasiswa Program Studi Perbankan Syariah FEB UNISMA) Ahmad Basori; Maslichah Maslichah; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study aims to determine the effect of Islamic financial literacy on decisions to use Islamic banking products in students of the Islamic Banking Study Program FEB UNISMA. The location of this research was carried out on students of the Islamic Banking Study Program FEB UNISMA. This research is a quantitative research. This research uses a case study method where data is obtained by distributing questionnaires to students of the Islamic Banking Study Program FEB UNISMA who were selected by purposive sampling. Determination of the number of samples using the Slovin formula and the results obtained were 100 respondents. Data were analyzed using simple regression analysis and determination test. Based on the results of data analysis, the results of the t-test indicate that Islamic financial literacy has a significant and positive effect on purchasing decisions and has an effect on decisions to use Islamic banking products for students of the Islamic Banking Study Program FEB UNISMA. Furthermore, the results of the t test show that Islamic financial literacy partially has a significant and positive effect on the decision to use Islamic banking products. The results of the determination test show that the percentage is 9.9%, where the decision to use the product can be influenced by Islamic financial literacy. Furthermore, in this study, the data collection method can be continued by paying attention to the willingness of respondents, follow-up to fill out, so that when given a questionnaire, they can immediately fill in the data properly.
PENGARUH LITERASI KEUANGAN SYARIAH DAN LINGKUNGAN SOSIAL TERHADAP KEPUTUSAN MENGGUNAKAN JASA PERBANKAN SYARIAH Dicke Ratna Puspitasari; Afifudin Afifudin; Siti Aminah Anwar
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan syariah dan lingkungan sosial terhadap keputusan menggunakan jasa perbankan syariah. Jenis penelitian ini adalah penelitian kuantitatif. Dalam penelitian ini sampel yang diambil adalah mahasiswa FEB Universitas Islam Malang Angkatan 2018 yang berjumlah 90 orang. Pengambilan jumlah sampel  menggunakan rumus Slovin. Alat analisis yang digunakan adalah analisis regresi linier berganda dengan SPSS 16. Hasil dari penelitian ini menunjukkan bahwa literasi keuangan syariah (X1) dan lingkungan sosial (X2) berpengaruh positif dan signifikan secara parsial dan simultan terhadap keputusan menggunakan jasa perbankan syariah (Y).
FAKTOR-FAKTOR MEMPENGARUHI MINAT MEMBAYAR ZAKAT PADA LAZ (Studi Kasus Pada LAZ Yatim Mandiri Kepanjen) Maulidiyah Lestari; Afifudin Afifudin; Siti Aminah Anwar
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan zakat, tingkatpendapatan, religiusitas dan kepercayaan organisasi pengelola zakat terhadap minatmembayar zakat di LAZ. Jenis penelitian yang digunakan adalah penelitian denganpendekatan kuantitatif. Berdasarkan hasil penelitian yang dilakukan peneliti denganmenyebarkan kuesioner kepada muzakki yang membayar zakat di panti asuhan mandirilembaga amil zakat. Peneliti mendapatkan 96 responden berdasarkan Jenis Kelamin, Usia,Pendidikan Terakhir. Pengambilan sampel dari penelitian ini menggunakan teknikprobability sampling yaitu simple random sampling. Alat analisis yang digunakan adalahAnalisis Regresi Linier Berganda dengan menggunakan SPSS. Hasil penelitian membuktikanbahwa variabel pengetahuan zakat (X1) berpengaruh positif dan signifikan secara parsialterhadap minat berzakat di panti asuhan amil zakat mandiri kepanjen (Y). Tingkatpendapatan (X2) berpengaruh secara parsial dan signifikan terhadap minat berzakat dipanti asuhan mandiri amil zakat Kepanjen (Y). Religiusitas (X3) berpengaruh secara parsialdan signifikan terhadap minat berzakat di panti asuhan mandiri amil zakat Kepanjen (Y).Kepercayaan (X4) berpengaruh secara parsial dan signifikan terhadap minat berzakat dipanti asuhan mandiri amil zakat Kepanjen (Y).
PENGARUH KUALITAS LAYANAN MOBILE BANKING TERHADAP KEPUASAN NASABAH BANK SYARIAH DALAM MELAKUKAN TRANSAKSI DI MASA PANDEMI COVID-19 (Studi Kasus Mahasiswa Universitas Islam Malang Pengguna Mobile Banking) Navilah Laila Wardani; Nur Diana; Harun Al Rasyid
El-Aswaq Vol 1, No 2 (2020): El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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Abstract

This study aims to determine the effect of the quality of mobile banking services on the satisfaction of Islamic bank customers in conducting transactions during the covid-19 pandemic. Samples were taken using purposive sampling method. The method used in this study uses quantitative methods with simple linear regression analysis techniques and hypothesis testing with SPSS. The results of data analysis show that the quality of mobile banking services simultaneously affects customer satisfaction in conducting transactions during the covid-19 pandemic. Partially, the quality of mobile banking services affects customer satisfaction in conducting transactions during the COVID-19 pandemic.
KAJIAN EFEKTIFITAS PENGGUNAAN PENGELOLAAN DANA DESA DALAM PENGEMBANGAN EKONOMI PERSPEKTIF EKONOMI ISLAM (STUDI KASUS DI KECAMATAN PRAGAAN KABUPATEN SUMENEP) Moh Farhan
El-Aswaq: Islamic Economics and Finance Journal Vol. 2 No. 1 (2021): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Retracing to the village funds (DD) provided are so large, it should be managed as well as possible. In the implementation of village project and village funds also should  involve the communities, so the communities know the progress of their village which is managed by using village funds. For the sake of an independent village creation, the community-based economic potential of the village must be raised. In improving the village economy, it is necessary to involve the community surrounding especially in prioritising the village development or empowerment of village communities. Empowerment is as a process of development, independence and self-reliance. Based on the backgorund of the problem above, this study will discuss about the management in the use of village funds in Pragaan subdistrict and analysis of the effectivenes in the use of village funds in economic development. This study aims to understand the management of village funds and analyse the effectiveness in the use of village funds in economic development.The result of this study is budgets for APBN namely village funds (DD) should be maximized for the project of village to be better. The effective development is the establishment in accordance with the expectation of beneficiaries of village project, especially in the development of village economy. The result of the problem are (1) Management of the village fund used is an activity which is designed for village project and community empowerment. In hopes of getting prosperity and village development. (2) Analysis of effectivenessin the use of village funds in Economic Development is a success for community empowerment in economic development so the community  can feel the success of village fund management planning for villlage economic development; Economic development or commuunity empowerment
PENGARUH ZAKAT, INFAK DAN SHODAQOH (ZIS) PRODUKTIF TERHADAP KINERJA UMKM YANG TERDAMPAK PANDEMI COVID-19 (Studi Kasus UMKM Binaan LAZIZNU Kertosono) Bayu Kurnia Rizki; Nur Diana; Harun Alrasyid
El-Aswaq: Islamic Economics and Finance Journal Vol. 2 No. 1 (2021): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to determine the effect of Productive Zakat, Infaq and Shodaqoh (ZIS) on the performance of MSMEs affected by the Covid-19 pandemic. Samples were taken using purposive sampling method. The method used in this research is descriptive quantitative method with simple linear regression analysis technique and hypothesis testing with SPSS. The results of data analysis show that Productive ZIS simultaneously affects the performance of MSMEs affected by the COVID-19 pandemic. Partially, productive ZIS affects the performance of MSMEs affected by the COVID-19 pandemic.
MEKANISME LAYANAN PEER TO PEER LENDING DALAM TINJAUAN SYARIAH BERDASARKAN FATWA DSN MUI No. 117/DSN-MUI/II/2018 (STUDI KASUS PT AMMANA FINTEK SYARIAH) Durotin Masruroh; Nur Diana; Harun Alrasyid
El-Aswaq: Islamic Economics and Finance Journal Vol. 2 No. 1 (2021): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to explain the mechanism of Peer to Peer Lending services at PT Ammana Fintek Syariah and explain the application of DSN MUI Fatwa Number 117/DSN-MUI/II/2018 regarding Peer to Peer Lending products. The analysis uses qualitative methods with content analysis. The results of this study indicate that the Peer to Peer Lending service mechanism at PT Ammana Fintek Syariah has been registered and licensed at the OJK, there are three service mechanism products, namely Ammana funding, Hajj financing, and Ammana Paylater. Legally, it is in accordance with the DSN-MUI fatwa. The financing agreement sourced from PT. Ammana Fintek Syariah based on QS. Al-Anfaal verse 27 and Ijab Qobul in accordance with the QS. Al-Maidah paragraph 1. Application of Peer to Peer Lending products that are not in accordance with the DSN-MUI fatwa no. 117/DSN-MUI/II/2018 in the general provisions of point 19, namely Gharar. At PT. Ammana Fintek Syariah which is a product of Dana Ammana regarding contracts, there is confusion with the contracts used that are not in accordance with sharia principles
Analisis Pengaruh Pemahaman Mahasiswa Pada Wadiah Dan Bagi Hasil Terhadap Minat Menjadi Nasabah Bank Syariah (Studi Kasus Pada Mahasiswa FEB UNISMA) Yeni Kurniati; Noor Shodiq Askandar; Afifudin Afifudin
El-Aswaq: Islamic Economics and Finance Journal Vol. 2 No. 1 (2021): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to determine the effect of understanding on wadiah and profit sharing on interest in becoming a customer of a sharia bank. this type of research is quantitative research. In this study, the sample taken was FEB UNISMA students starting from the 2017-2020 class, totaling 100 people. Taking the number of samples using the Slovin formula. The analytical tool used is Multiple Linear Regression Analysis using SPSS 16. The results showed that the variable Wadiah (X1) had a positive and partially significant effect on student interest (Y), profit sharing (X2) had a positive and significant effect on partial to student interest (Y)..
Pembangunan Ekonomi Islam dalam Perspektif Maqashid Syari’ah Kartika Rose Rachmadi; Kasuwi Saiban; Misbahul Munir
El-Aswaq: Islamic Economics and Finance Journal Vol. 2 No. 1 (2021): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

The economic development of the people is a big problem faced by people today, and indeed The solution can only be done by Muslims himself by returning to Allah's rules, in among others by: instilling entrepreneurial traits for each individual people, build strong partnerships/networks with various parties, especially with fellow Muslims, make policies that are more pro-economic growth of the people, by supporting morally and materially sourced from zakat funds, carry out transactions and economic behavior in accordance with the rules of Islamic teachings.
Fenomenologi Produk Lending Perbankan Syari’ah dalam Perspektif Maqashid Syari’ah Ahsani Taqwiem; Kasuwi Saiban; Misbahul Munir
El-Aswaq: Islamic Economics and Finance Journal Vol. 2 No. 1 (2021): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Defrayal or financing is funding provided by one party to another to support the planned investment, either by themselves or institution. In other words, the financing is funding incurred to support the planned investment. Financing terms in effect means that I believe, I trust. The word financing means (trust) that means financial institutions as sahib al-mal put their trust in someone to carry out the given mandate. The fund should be used properly, fairly, and must be accompanied by a bond and the terms are clear and mutually beneficial for both parties. Each financial institution has syari’ah philosophy to seek the pleasure of Allah. to obtain good in the world and the hereafter. Therefore, any activities of financial institutions which feared deviate from the guidance of religion should be avoided. In the implementation of the financing, Islamic bank must fulfill two very important aspects, namely: (1) syar’i aspect, where in each realization of financing to customers, the Islamic bank must be oriented to the Islamic Shariah; and (2) the economic aspect, which is still considering the gains, both for banks and for Shariah bank customers

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