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Al-Muhtarifin: Islamic Banking and Islamic Economic Journal
Published by Universitas Muhammadiyah Sumatera Utara
ISSN : -     EISSN : 28099699     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal is published by Islamic Banking Department, Faculty of Islamic Religion, University of Muhammadiyah Sumatera Utara . Published twice a year (January and July). Jurnal Al-Muhtarifin is a scientific journal that contains the results of research and theoretical studies on Islamic Banking and Islamic Economic issues. Paper presented in Jurnal Al-Muhtarifin are solely author responsibility. The editorial board may edit without changing the substance of the paper.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol 3, No 1 (2024): Jan 2024" : 6 Documents clear
Peran Ekonomi Kreatif Sebagai Upaya Peningkatan Pendapatn Pengrajin di Tinjau Dari Ekonomi Islam (Studi Pada Batik Fanny Kelurahan Menteng) ningrum, Retno hadi
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 3, No 1 (2024): Jan 2024
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v3i1.16242

Abstract

Batik is a cultural heritage that should be preserved by the Indonesian nation because batik is a promising industry and must be introduced to new generations in the future. The problem in this research is that hand-written batik fades from year to year, due to the rise of printed batik products because the process is fast and the price is more affordable. The purpose of this study was to determine the role of the creative economy as an effort to increase the income of batik craftsmen in terms of Islamic economics. The descriptive approach used in this research is trying to get as complete information as possible to then re-descriptive the results of research on the role of the creative economy in increasing the income of batik craftsmen in terms of Islamic economics. Data collection techniques in this study used interviews for batik craftsmen. The results of the study show that Fanny batik craft in the Menteng Village has a very large influence on the people in the Menteng Village in terms of income and in opening jobs. The creative economy perspective in an Islamic perspective associated with this batik craft relates well to increasing income, opening jobs, and increasing intellectual property. Increasing income that has been regulated in the Koran surah An-nisa verse 29. Opening up employment opportunities which has been written in the Al-Quran surah Al-Kahf verse 95 about humans having to help each other, and even this is the result with this batik craft helping people in the Menteng sub-district. Adding to the intellectual property that has been discussed in surah al-hadid verse 7 which discusses everything in the form of property under his control, in this batik craft has added intellectual property to business owners that is unlimited.Abstrak: Batik merupakan warisan budaya  yang patut dijaga kelestariannya oleh bangsa indonesia karena batik merupakan industri yang menjanjikan dan harus dikenalkan pada generasi–generasi baru kedepannya. Permasalahan dalam penelitian ini Batik tulis dari tahun ke tahun semakin pudar, karena maraknya produk batik printing sebab pengerjaanya yang cepat dan harganya lebih terjangkau. Tujuan penelitian ini adalah untuk mengetahui peran ekonomi kreatif sebagai Upaya Peningkatan Pendapatan Pengrajin Batik Ditinjau Dari Ekonomi Islam. Pendekatan deskriptif yang digunakan pada penelitian ini, yaitu berusaha mendapatkan informasi yang selengkap mungkin untuk kemudian mendeskiptifkan kembali hasil penelitian mengenai peran ekonomi kreatif dalam meningkatkan pendapatan pengrajin batik ditinjau dari ekonomi Islam. Teknik pengumpulan data dalam penelitian ini menggunakan wawancara bagi pengrajin batik. Hasil penelitian menunjukkan kerajinan batik Fanny di Kelurahan Menteng memiliki pengaruh yang sangat besar terhadap masyarakat di Kelurahan Menteng dari segi pendapatan maupun dalam pembukaan lapangan pekerjaan. Perspektif ekonomi kreatif dalam perspektif Islam yang dikaitkan dengan kerajinan batik ini saling berhubungan baik tentang peningkatan pendapatan, pembukaan lapangan pekerjaan, dan bertambahnya kekayaan intelektual. Peningkatan pendapatan yang telah di atur dalam alquran surah An-nisa ayat ke 29. Membuka lapangan pekerjaan yang telah tertulis dalam Al-quran surah Al-kahf ayat ke 95 tentang manusia harus saling tolong menolong, dan inipun hasilnya dengan adanya kerajinan batik ini banyak membantu masyarakat di kelurahan Menteng. Menambah kekayaan intelektual yang telah di bahas dalam surah al-hadid ayat ke 7 yang membahas tentang segala sesuatu yang berbentuk harta yang dikuasainya, dalam kerajinan batik ini telah menambah kekayaan intelektual kepada pemilik usaha yang bersifat tidak terbatas.
Penggunaan Aplikasi Sekuritas Online Pada Generasi Z Harahap, Muhammad Ikhsan; Hasrimy, Nabila Felicia; Ubay, Fadhila Audi; Nawrah, Hilwatun
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 3, No 1 (2024): Jan 2024
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v3i1.15753

Abstract

Perkembangan aplikasi investasi belakangan ini mendorong untuk generasi milenial dan generasi z untuk memulai berinvestasi. Banyaknya berbagai teknologi informasi yang mudah dijangkau untuk mengenali investasi menjadi beberapa faktor lainnya yang memunculkan minat mereka dalam berinvestasi. Penelitian ini dilakukan dengan mengelompokkan responden dari generasi z. Dalam penelitian ini menggunakan metode kuantitatif dengan data yang digunakan adalah data primer yang bersumber dari hasil kuesioner yang telah dibagikan ke 100 responden dengan google form. Tujuan penelitian ini untuk mengetahui pengaruh social influence dan behavior intention terhadap penggunaan aplikasi Securitas online pada generasi z. Hasil penelitian menyatakan bahwa  social influence dan  behaviour intention memiliki pengaruh terhadap use behavior.
THE ROLE OF BLOCKCHAIN IN ZAKAT MANAGEMENT Yuannisa, Rizka Adlia; Nasution, Yenni Samri Juliati
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 3, No 1 (2024): Jan 2024
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v3i1.17403

Abstract

The global financial system continues to experience rapid development along with advances in information technology. The development of information technology can create opportunities and even challenges at the same timeBlockchain in the field of Islamic economics, adaptation to digital systems is also a major concern, however the Islamic economic system must be able to adapt to increasingly rapid technology. This research uses qualitative methods with library research. The results of this research: The application of Sharia smart contracts in blockchain has the potential to provide various benefits, such as facilitating fair and transparent transactions, minimizing the risk of violating sharia principles, and increasing public trust in carrying out digital transactions. Having a blockchain system in managing zakat is very important, because in the blockchain zakat system there is already some data from mustahik and programs from zakat institutions that have been provided and verified by the zakat institution itself. Then in this blockchain zakat system, the muzakki process who will pay zakat can distribute their zakat directly through programs or mustahik whose data is already in the system. Furthermore, the transaction process will be verified by a verifier who has been determined by the zakat institution regarding the truth of the transaction carried out by the mustahik.Keyword: Blockchain, Digital Economy, Islamic Economy, Zakat
MEASUREMENT OF THE LEVEL OF PROFIT AND THE FACTORS AFFECTING IT TO DONATAWA MSMEs Faraiddin, Nurfadillah Najwa
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 3, No 1 (2024): Jan 2024
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v3i1.15245

Abstract

Business is a productive activity carried out by companies or people in the economic sector with the aim of gaining profit or profit. One of the businesses that we often hear about is UMKM, UMKM is a micro, small or medium business carried out by companies or individuals who stand alone. One of the MSMEs that we encountered was the Donatawa UMKM. This MSME focuses on the field of bakery sales. We chose this Donatawa store as our research material with the aim of analyzing the level of profit they earned during early 2023, and what factors influenced it. The method that we used in this research is a qualitative method that we did by interviewing Ms. Nisa as the owner of the Donatawa shop, which we carried out on May 19, 2023. And the result is that the profit every month at the beginning of 2023 is January, February, March, and In April, the Donatawa shop experienced a decrease and increase every month, this was due to an event that month. And the average profit they get during the beginning of 2023 is 24.3 million.
Peran Lembaga Penjamin Simpanan dalam Memberikan Perlindungan Nasabah Pada PT. Pembiayaan Bank Syariah Puduarta Insani Amini, Aisyah
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 3, No 1 (2024): Jan 2024
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v3i1.16512

Abstract

This research was conducted to find out about the understanding and knowledge of customers regarding the function of the Deposit Insurance Corporation (LPS) and the form of protection carried out by LPS in handling customer deposits made at PT. Puduarta Insani Islamic People's Financing Bank. The method used in this research is a qualitative method with a descriptive approach, the source of data in this study comes from primary data obtained from interviews with employees and customers of PT BPRS Puduarta Insani. The results of this study are after conducting interviews, customers do not know and understand exactly the function of the Deposit Insurance Corporation and until now customers feel that LPS is not so necessary because their deposit funds are safe and for efforts made by LPS in providing customer protection is to provide guarantees to depositors. With the existence of LPS, if there is a bank that is experiencing business difficulties and then its business is revoked and liquidated, the position of the customer will still be guaranteed.Keyword: Deposit Insurance Corporation, Protection, Customers, and Knowledge
IMPLEMENTASI PERATURAN OTORITAS JASA KEUANGAN NOMOR: 3/POJK.03/2016 TENTANG PENERAPAN KEPATUHAN SYARIAH PADA PT. BPRS PUDUARTA INSANI Gaspari, Andrian
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 3, No 1 (2024): Jan 2024
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v3i1.16374

Abstract

The purpose of this study is to describe murabahah financing for business capital, the constraints and problems encountered, whether or not they comply with the implementation of financial services authority regulations: 3/POJK.03/2016 concerning the implementation of sharia compliance and supervision and DPS duties in BPRS puduarta Insani. Method the research used by the author is a qualitative approach. Qualitative research is a research method used to research on natural object conditions where the researcher is a key instrument, data collection techniques are carried out in a triangulation (combined) manner, data analysis is inductive in nature, and the results of qualitative research emphasize more meaning of generalization. This qualitative research is a research procedure that produces descriptive data in the form of written words from the results of interviews, observations, literature studies, and documentation.The results of the study show that the BPRS Puduarta Insani in general is in accordance with sharia principles and the provisions of the DSN-MUI Fatwa and the OJK. Which has been directly supervised by the DPS. From the submission mechanism to the signing of the contract, it is in accordance with sharia principles and it is also explained in detail how the mechanism for carrying out the business and installments until the completion of the financing so that there is no longer any attachment to the bank. In selecting customers, the bank also applies the precautionary principle by applying the 5C principle. Therefore BPRS Puarta Insani should comply with sharia principles and the principle of prudence in its activities. DPS also works according to its authority in supervising BPRS and providing advice and advice to BPRS, but the public still thinks that Islamic banks are the same as conventional banks, even though the problems they encounter often occur due to bad customer characteristics.Keywords: Implementation of Sharia Compliance and Murabahah

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