Investama : Jurnal Ekonomi dan Bisnis
Investama : Jurnal Ekonomi dan Bisnis merupakan jurnal yang berisi tentang kajian Ekonomi, ekonomi islam, bisnis, asuransi, perbankan syariah, hukum ekonomi islam, manajemen, keuangan syariah dan muamalat. Juga memuat kajian tentang finance sosial islamic, seperti Wakaf, zakat, sedekah, dan lembaga Amil zakat.
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<![CDATA[ANALISIS PEMBIAYAAN PROPERTI MENGGUNAKAN AKAD MUSYARAKAH MUTANAQISAH PADA PERUMAHAN GRIYA HARTACU PATTALLASSANG KABUPATEN GOWA ]]>
<![CDATA[Jumarni, Jumarni]]>;
<![CDATA[Fathurrahman, Fathurrahman]]>;
<![CDATA[Katman, Muhammad Nasri]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.906
<![CDATA[The Griya Hartacu Pattallassang Housing Complex, Gowa Regency has two financing agreements used and is one of the subsidized housing under the care of PT. Three Great Revas. This housing uses financing agreements, including the Murabahah KPR contract, and the Musyarakah Mutanaqisah contract. The researcher himself focuses on the musyarakah mutanaqisah financing contract. This study aims to find out how the Musyarakah Mutanaqisah contract is implemented, and how the Musyarakah Mutanaqisah contract is compatible with the Fatwa of the National Sharia Council No. 73/DSN-MUI/XI/2008. The formulation of the problem is: (1), How is the Musyarakah Mutanaqisah contract implemented in the financing process for the Griya Hartacu housing in Pattallassang? (2), Is the transaction process for musyarakahmutanaqishah financing contracts in accordance with the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) No. 73/DSN-MUI/XI/2008?. This research is a field research using qualitative research. This research approach uses descriptive qualitative. The subject of this research is the people who live in Griya Hartacu Pattallassang housing. Data collection techniques were carried out by observation, interviews and documentation. The data validation technique uses theory and source triangulation techniques by collecting data and information from a variety of different sources. The results of this study indicate that financing for the Griya Hartacu Pattallassang housing uses two financing agreements, namely a murabahah mortgage contract, and a musyarakahmutanaqisah contract. These two contracts are also very influential in the transaction process of the people who are the actors in the two contracts. The musyarakahmutanaqisah contract is reviewed with the Fatwa of the National Sharia Council No. 73/DSN-MUI/XI/2008, researchers have analyzed and reviewed and then researchers found that the financing of the musyarakahmutanaqisah contract is in accordance with the DSN-MUI fatwa, but the contract has not been fully used, only some buyers use the contract in the home buying process.]]>
<![CDATA[IMPLEMENTASI PROGRAM KELUARGA HARAPAN DALAM MENINGKATKAN KESEJAHTERAAN DITINJAU DARI NILAI DASAR EKONOMI ISLAM (STUDI PADA PKH DI DESA KAMBUNO KECAMATAN BULUKUMPA KABUPATEN BULUKUMBA) ]]>
<![CDATA[hamdi, Hasniar]]>;
<![CDATA[Fathurrahman, Fathurrahman]]>;
<![CDATA[Sirajuddin, Sirajuddin]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.908
<![CDATA[Bulukumba Regency is one of the districts that has welfare problems (poverty), one of which is in the village of Kambuno. this village is one of the villages that received social assistance in the form of the Family Hope Program (PKH). The purpose of this study is to find out, understand and explain how the implementation of the Family Hope Program (PKH) improves people's welfare when viewed from the basic values of Islamic economics in Kambuno Village. The type of research used is "Case Study". Case study is research that focuses on a particular case with the aim that it can be analyzed and observed. The data sources in this study were primary data in the form of direct interviews with relevant informants and secondary data in the form of lists of PKH beneficiaries. The results of this study indicate that the implementation of PKH when viewed from the basic values of Islamic economics, namely in terms of tafakul does not provide social security to PKH participants from a fairness perspective, it has not been fully implemented, this is indicated by the inaccuracy of the target of receiving PKH assistance, as well as delays in disbursement. funds that are sometimes experienced by some KPM, and seen from the value of responsibility that has gone well, this is shown by the assistants or PKH participants having fulfilled their rights and obligations keywords: PKH, justice, responsibility, tafakul (social security),]]>
<![CDATA[ANALISIS MINAT BELI FASHION MUSLIM PADA MAHASISWA UIN WALISONGO SEMARANG MELALUI APLIKASI LAZADA ]]>
<![CDATA[Zaharo , Diana Nur]]>;
<![CDATA[Lafiah , Lafiah]]>;
<![CDATA[Izza Hafida Milla , Ghifarina]]>;
<![CDATA[Fahmy , Zulfa]]>;
<![CDATA[Zikrinawati , Khairani]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.915
<![CDATA[This study aims to determine the intention to buy Muslim fashion among UIN Walisongo Semarang students through the Lazada application. This research was conducted using a descriptive qualitative approach. Descriptive qualitative research focuses on extracting data by using interviews through Google meet with the subjects to collect in-depth information regarding consumer preferences and needs through focus group discussions. The results of the study show that UIN Walisongo students have a high interest in buying Muslim fashion through the Lazada application. This can be seen from the positive responses given by respondents during interviews conducted through Google Meet. Respondents stated that they often use the Lazada application to buy Muslim fashion. Students, most of whom are young people, are more interested in trending things, namely keeping up with the times (updating). They are interested in wearing any trending fashion so that they appear confident when wearing trending fashion]]>
<![CDATA[PENGARUH PEER ATTCHMENT DAN GAYA HIDUP HEDONISME TERHADAP PERILAKU KONSUMTIF (FASHION) PADA MAHASISWA PENGGUNA SHOPEE ]]>
<![CDATA[Haque, Alya Dita Mazaya]]>;
<![CDATA[Zulfan, Abiyyu Fadhil]]>;
<![CDATA[Afifah, Siti]]>;
<![CDATA[Fahmy, Zulfa]]>;
<![CDATA[Zikrinawati, Khairani]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.918
<![CDATA[As we know, clothing or fashion is a necessity for all people, one of which is for some students who have a high sensitivity to a trend and consider it something very important. The purpose of this research is intended to; 1) know that there is an influence between Peer attachment on consumptive behavior, 2) there is an influence between hedonism and consumptive behavior, 3) there is an influence between peer attachment and hedonism on consumptive behavior. This research is quantitative research with purposive sampling as a sample collection method. The subjects in this study were students using the Shopee application with an age range of 17-28 years. The data obtained is the result of distributing questionnaires to the subject, namely, there is a simultaneous significant effect between Peer Attachment and Hedonic lifestyle on consumptive behavior with a sig value. 0.000<0.05. However, the Peer Attachment variable partially does not have a significant effect on the consumptive variable with a sig value. 0.807> 0.05, and the hedonic variable has a sig value. 0.000 <0.05 which means that the hedonic variable has a significant effect on the consumptive variable partially.]]>
<![CDATA[PENGARUH KOMUNIKASI PERSUASIF INFLUENCER TERHADAP KEPUTUSAN PEMBELIAN DI TIKTOK SHOP ]]>
<![CDATA[Sa'adah, Salsabila Nur]]>;
<![CDATA[Alfiyah, Rohmi]]>;
<![CDATA[Hidayah, Nur]]>;
<![CDATA[Zikrinawati, Khairani]]>;
<![CDATA[Fahmy, Zulfa]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.919
<![CDATA[TikTok is a social media and music video platform that creates a new feature called TikTok Shop as a means to make it easier for brands to attract consumer interest by carrying out attractive and practical marketing through social media. This study aims to determine the effect of influencers' persuasive communication on consumer purchasing decisions at the TikTok Shop. This study uses two research variables, namely persuasive influencer communication and purchasing decisions. Processing techniques and data analysis in this study used the normality test, linearity test as an assumption test, then tested the hypothesis using a simple linear regression test with the help of SPSS software. This research was conducted by distributing questionnaires to 200 TikTok Shop users. The results of the study show that influencers' persuasive communication has a significant influence on consumer purchasing decisions at the TikTok Shop.]]>
<![CDATA[PENGARUH VOUCHER DISKON GOFOOD DAN GAYA HIDUP HEDONISME TERHADAP PEMBELIAN IMPULSIF PADA MAHASISWA DI APLIKASI GOJEK ]]>
<![CDATA[Ariyani, Rina]]>;
<![CDATA[Lestari , Flony Syera]]>;
<![CDATA[Putra, Hery Tiyas Pramana]]>;
<![CDATA[Zikrinawati, Khariani]]>;
<![CDATA[Fahmy, Zulfa]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.926
<![CDATA[One of the service-based applications that provide food purchase is a Gojek through a Gofood feature. A discount voucher on the application can have an effect on the user as well as on college students. The purpose of the study is to test the impact of Gofood discount vouchers on Gojek and hedonism on impulse purchase among students on food product purchases. The method used in this study is the quantitative study method. The data analysis used to test hypotheses on this study using Multiple linear Regression analysis, which is it used to determine the influence of independent variables on the dependent variable. Based on the conducted test, it is shown that there is an influence between variables X and X1 on variable Y with a significance result of 0.000 < 0.05, which means that discount vouchers and hedonistic lifestyle have an influence on impulsive purchasing among students in food product purchases on the Gojek application.]]>
<![CDATA[KEBERADAAN PRINSIP (MAQASHID AL-SYARIAH) HIFDZUL MAL DALAM KEGIATAN INVESTASI KONVENSIONAL NON MAISIR ]]>
<![CDATA[suharsono, suharsono]]>;
<![CDATA[Aini, Kuratul]]>;
<![CDATA[Irbah, Ariq Nurjannah]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.1006
<![CDATA[This scientific article will review in depth about The existence of the principle of maqashidusya'riah, namely hifdzul mal (safeguarding property) in conventional non-maisir investment practices, Maqashidusya'riah as the main foundation of syariah principles in various muamalah activities of Muslims today has been packaged in such a way, Thus creating a stigma in people's understanding that a service product that does not dissolve itself as a syariah based product is understood as incompatible with Islamic principles. The principle of maqashidusya'riah may not only exist in products that have syariah license but also exist in conventional products that have developed to date Based on a review of several studies and relevant articles, the results were found that: If a conventional investment service product in terms of services has prioritized transparency over the progress of related shares as well as possible without any element of manipulation or gharar (fraud), Also, investment activities in the world of capital markets are carried out properly according to the limits in Islam so that it is in accordance with the principles of hifdz al-mal in maqashidussyari'ah.]]>
<![CDATA[PENGELOLAAN KEUANGAN ENTITAS BERORIENTASI NONLABA MENURUT ISAK 35 PADA MASJID AGUNG DARUSSALAM PURBALINGGA ]]>
<![CDATA[Setiawan, Agus Bakti]]>;
<![CDATA[Arofah, Anastasia Anggarkusuma]]>;
<![CDATA[Amelia, Shella Rizqi]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.1054
<![CDATA[Non-profit oriented entities are organizations that operate not for personal or specific group interests but for the benefit of the congregation or common interests. The presentation of financial statements for non-profit oriented entities is regulated by ISAK 35 standards. The objective of this research is to prepare financial statements for the Great Darussalam Mosque in Purbalingga, following the guidelines of ISAK 35 and the accounting cycle, from transaction identification to financial statement presentation. The methodology used is a qualitative descriptive approach. Data collection techniques include interviews, observations, and documentation. The research was conducted at the Great Darussalam Mosque in Purbalingga. The data sources utilized in the research consist of primary and secondary data. Primary data was obtained through interviews conducted directly with the Ta’mir Mosque's Chairman, Treasurer, and Secretary. The research findings indicate that the Great Darussalam Mosque in Purbalingga still uses a simple financial statement presentation, limited to recording cash inflows and outflows, and has not fully implemented ISAK 35. This is primarily due to the lack of human resources with accounting knowledge and the absence of accounting experts or management officials with an accounting background.]]>
<![CDATA[IMPLEMENTASI AKAD ISTISHNA TERHADAP JUAL BELI FURNITURE (STUDY DI RASYID MEUBEL KABUPATEN TAKALAR) ]]>
<![CDATA[risma, rismayanti]]>;
<![CDATA[Amiruddin, Amiruddin]]>;
<![CDATA[Sirajuddin, Sirajuddin]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.1060
<![CDATA[The development of traditional patterns to modern patterns in the buying and selling process has occurred in people's lives. Human life is increasingly developing in various fields, as well as in industrial activities. If viewed from the needs of the community, one of the areas of interest is the furniture business. In the current process of buying and selling furniture, consumers order according to the specifications of the goods they want. However, after making an agreement between the seller and the buyer, the contract that has been implemented has not been carried out as desired due to obstacles such as the cancellation of the agreed contract between the two. Cancellations made will have an impact on the seller because it will be detrimental, the goods that have been made are now left and displayed but the goods are difficult for other people to buy because they do not match expectations with the specific goods desired, therefore, the seller must improve the way of marketing his goods so that buyers are interested want to buy it. This study aims to find out, understand and explain the cancellation of the istishna contract for the sale and purchase of furniture and the completion of the cancellation of the istishna contract for the sale and purchase of furniture at Rasyid Furniture. The type of research used is a qualitative method. The data analysis techniques include data reduction, data presentation, data editing, data analysis and drawing conclusions. The results of the study explain that 1. The practice of canceling istishna contracts for buying and selling furniture at Rasyid Furniture focuses on the causes of delays in financing. There was an extravagant attitude when the execution of the contract was in progress or for other reasons such as the party falling bankrupt which resulted in no longer having power over the assets that became valid in the contract 2. Completion of the cancellation of the istishna contract for buying and selling at Rasyid Furniture in a peaceful way such as providing some facilities to be able to pay partial down payment and can be paid off when the goods are delivered to the buyer's house.]]>
<![CDATA[INOVASI BMT: SOSIAL DAN KOMERSIAL BISNIS UNTUK PERTUMBUHAN EKONOMI ]]>
<![CDATA[Hamdani, Hamdani]]>
<![CDATA[ Investama : Jurnal Ekonomi dan Bisnis Vol 9 No 2 (2023): Investama : Jurnal Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Investama : Jurnal Ekonomi dan Bisnis ]]>
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DOI: 10.56997/investamajurnalekonomidanbisnis.v9i2.1082
<![CDATA[BMT as a sharia-based microfinance institution seeks to encourage economic improvement, economic equality and economic growth for the poor through social business programs. This is what Baitul Maal Wat Tamwil (BMT) Nurul Ummah Ngasem Bojonegoro is doing with two business models, through sharia microfinance products and sharia-based social programs. This research method uses a qualitative approach with a case study type approach. The focus of this dissertation is on the business model implemented by BMT Nurul Ummah Ngasem Bojonegoro with sharia savings products and sharia social programs for economic independence and community income. Meanwhile, testing the validity of the data and the validity of the data was carried out using the triangulation technique, namely a combined technique with various methods used to study the phenomenon of the research object. Data collection techniques were carried out by means of indepth interviews, observation and documentation on the objects studied. The products and programs were then analyzed using qualitative descriptive data analysis techniques. Referring to Miles and Huberman's theory, data analysis includes data reduction, data display, and data conclusion drawing verification]]>
