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Al-Muzdahir: Jurnal Ekonomi Syariah
Published by Institut Pesantren Sunan Drajat Lamongan
ISSN : 26555492     EISSN : 28286278     DOI : 10.55352
Core Subject : Economy,
Economics, Econometrics & Finance
berisi naskah ilmiah yang diterbitkan oleh Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Pesantren Sunan Drajat Lamongan Jawa Timur
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 121 Documents
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Analisis Faktor Perubahan Akad Murabahah menjadi Akad Rahn (Studi Kasus di BMT Surya Raharja Palang Tuban) Sulis Setio Ningrum; Ahmad Afan Zaini; Elly Rustiana
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v3i1.353

Abstract

Banking is a very unique type. Its uniqueness lies in so many rules to protect all types of transactions. From the bank's internal side, regulations are made in such a way as to avoid risks that will bring material and immaterial losses. Many people in Indonesia do not yet know how the concept of how Islamic bank products work, especially in current financing products. Therefore, the basic thing for these banks must first be able to understand about financing products, especially murabahah financing and also financing using rahn contracts so that people can get to know them, and know more about products that are in accordance with BMT. With the existence of murabahah financing products and also financing with rahn contracts, people can carry out transactions in accordance with the applicable terms and conditions so that the transaction process can run smoothly. In this study, the authors used a qualitative type of research with a descriptive analysis approach. The method used in this study is the interview method and documentation from the financial institution concerned, which aims to answer the problem formulation raised by the author, namely: 1. What is the procedure for implementing murabahah and rahn contracts? 2. What factors cause the change of murabahah contract to rahn contract? The results of this study are: 1. There are basically two procedures for carrying out financing using murabahah and rahn contracts at BMT Surya Raharja, namely procedures in the field and also procedures in the office. 2. BMT Surya Raharja is a sharia-based financial institution, where in these financial institutions financing using a rahn contract is deemed more appropriate to apply than financing using a murabahah contract because financing using a rahn contract is more in line with financing that has been carried out at BMT Surya Raharja
Pengaruh Media Informasi Digital terhadap Keputusan Wakif dalam Melakukan Wakaf Uang (Studi pada Wakif di KSPPS BMT Mandiri Sejahtera Cabang Desa Kranji Kecamatan Paciran Kabupaten Lamongan) Muhammad Mahbub; Biyati Ahwarum
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v3i1.354

Abstract

KSPPS BMT Mandiri Sejahtera is a non-bank financial institution engaged in two financial fields, namely the baitul mall sector and the tamwil sector and has several branches including the Kranji Branch, Paciran District, Lamongan Regency. In the field of baitul malls, BMT Mandiri Sejahtera collects zakat, infaq, shodaqoh and waqf funds. Waqf managed by BMT Mandiri Sejahtera, namely immovable property and movable property including cash waqf. So that researchers analyze how the collection and management of cash waqf and also how a waqif decides to endow money. The method used in this study is a mixed method research method. Data collection techniques in this study used questionnaires, interviews, observation and documentation. The sample in this study was 38 respondents who were taken randomly from the number of cash waqifs at KSPPS BMT Mandiri Sejahtera. The data analysis technique used is validity test, reliability test, simple regression test and T test. The results of this study are research with qualitative methods indicating that the collection of cash waqf is collected with vouchers worth Rp. 10,000-. and collected through various elements, namely employees, members who carry out financing, members who receive SHU, apprentices or street vendors and also from the general public. According to researchers, this strategy of collection is very effective with a relatively small nominal so that many people want to donate money but there are things that seem coercive from the collection of cash waqf such as apprentices or street vendors are required to buy and also sell the money vouchers. Meanwhile, from its management, cash waqf is invested in two forms, namely invested in financing and also invested in Islamic banking. This is in accordance with the rules regarding cash waqf, Nazhir is tasked with investing cash waqf according to sharia with one condition: the nominal value of the money invested must not be reduced. The results of this study are research using quantitative methods showing that digital information media influences waqif decisions in conducting cash waqf. These results are obtained based on the answers from 38 respondents and also the results of the test which show that the t count is 2.241 while the t table is 1.688. So it is obtained that T_count (2.241) > T_table (1.688) thus Ho is rejected and Ha is accepted, which means that the information media influences the waqif's decision in conducting cash waqf at KSPPS BMT Mandiri Sejahtera, Kranji Branch, Paciran District, Lamongan Regency.
Pengelolaan Zakat untuk Pemberdayaan Masyarakat Miskin pada Badan Amil Zakat di Kabupaten Bojonegoro Nadya Septiana Wulansari; iswadi Siswadi; Arif Maghfur
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v3i1.355

Abstract

Zakat is a pillar of islam the must be issued by every muslim by fulfilling certain condition. Zakat contains two dimensions, namely direct worship to Allah and worship to fellow human beings. Zakat is worship that prioritizes social values in addition to spiritual values. in addition, the empowerment of zakat funds, if managed properly, will improve the economy of the poor at the productif age.This type of research includes field research, which is a research that is carried out systematically by lifting data from the field. By using qualitative research methods that produce deskriptive data in the form of written or spoken words form poeple and observed behavior. The result of this study indicate that the strategy used by BAZNAS of Bojonegoro Regency and ASN, Civil Servants, BUMN, BUMD, as well as various agencies. Institutions and mosques to intruduce the importance of zakat and establish UPZ (Zakat Collection Unit). The programs carried out by the Religious Bojonegoro, Genius Bojonegoro, philanthropic Bojonegoro, Productive Bojonegoro. And for the community empowerment program, namely the Productive Bojonegoro Program, the activities of this program have been going well and can improve the mustahiq economy which is provided by the productive Bojonegoro program. The obstacle experienced by BAZNAS in Bojonegoro regency during zakat management is that there is still a lack of public awareness of the importance of paying zakat and when during the pandemic BAZNAS redusec gathering activities and is more active on social media.
Strategi Pengembangan Wisata Pantai Biru dalam Upaya Menarik Kunjungan Wisatawan (Studi Kasus Desa Telaga Biru Kecamatan Tanjung Bumi Kabupaten Bangkalan) Asiya Febrianti; Akhmad Sirojudin Munir; Sutopo Sutopo
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v3i1.356

Abstract

Indonesia has a lot of potential tourist objects scattered throughout the region that can be relied on to become a tourist attraction that is able to attract local and foreign tourists. Bangkalan Regency has a very potential area in the tourism sector because it has many interesting tourist objects. Telaga Biru village has a very interesting tour, pristine nature, a calm and comfortable atmosphere, namely blue beach tourism. Blue beach tourism is always developing to increase tourist visits. Indicators of the success of a tourist attraction can be measured by the number of tourist visits. This research is a qualitative research, while the type of research used is a qualitative research with a descriptive approach. Data collection was carried out through research instruments in the form of interviews, observations, and documentation. Then check its validity using the triangulation technique. The results of this study are: 1. tourism development strategies in an effort to attract tourist visits, in developing tourism by adding tourist attractions such as photo spots, swimming pools, water bikes, plastic flower trees, flower tunnels, and fish therapy, air bicycles, and air balloon. The promotions used are through social media, Facebook, Instagram, YouTube, and websites. 2. Factors that support the development of blue beach tourism, namely, natural resources, good security, a comfortable atmosphere, the role of social media, a supportive community. While the inhibiting factors for the development strategy are, internal factors have not been well organized with tourism potential as well as facilities and infrastructure, while external factors are the lack of road access for bus vehicles because this tour is located in community settlements, and also there is no budget from the government.
Strategi Islamic Marketing dalam Meningkatkan Penjualan Usaha Pancake Durian Tri Putri di Desa Payaman Kecamatan Solokuro Kabupaten Lamongan Faizatul Umroh; Dymas Yulia Putri Kusumaningtyas
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v3i1.357

Abstract

Tri Putri Durian Pancakes in Payaman Village are Home Industry. Tri Putri Durian Pancake products are currently in great demand by the public, especially among young people, this is shown by the Tri Putri Durian Pancake Marketing which has now expanded in several cities, including Lamongan City, to other cities such as Surabaya, Gresik, and Tuban. The location of Tri Putri Durian Pencake is in Payaman Village, Solokuro District, Lamongan Regency.This study aims to answer, describe, and analyze the formulation of the problem, namely how marketing is used for Tri Putri Durian Pancakes in Payaman Village, Solokuro District, Lamongan Regency and How is the Islamic marketing strategy in increasing sales of Tri Putri Durian Pancakes in Payaman Village, Solokuro District, Lamongan Regency. . The method used in this research is descriptive qualitative research method. The data collection technique of the researcher used the method of observation, interviews and documentation.The results of this study concluded that First Tri Putri Durian Pancakes in Payaman Village had implemented a 7P marketing mix strategy, namely product, price, promotion, place, people, process, and physical evidence that were able to increase sales at Tri Putri Durian Pancakes in Payaman Village. The marketing mix strategy that has been implemented by Pancake Durian Tri Putri in an effort to increase sales has also been carried out properly and correctly and in accordance with existing theory. The two Islamic Marketing Strategies in Tri Putri Durian Pencake Payaman Village viewed from the perspective of Islamic Economics it can be seen that the strategy used by Tri Putri Durian Pencake Payaman Village is in accordance with Islamic marketing theory such as: Theitis (robbaniyah) religious marketing, Ethical (akhlaqiyyah) Prioritizing moral issues (moral, ethical), realistic (al waqiiyah) being a flexible marketer, and humanistic (al insaniyyah) is a human trait. By implementing these Islamic Marketing strategies, it is hoped that the sales of Durian Pancake products carried out by Tri Putri Durian Pencakes in Payaman Village will experience success both in this world and in the hereafter
Budaya Organisasi Mempengaruhi Kinerja Karyawan CV. Air Mineral dalam Kemasan Aidrat Pondok Pesantren Sunan Drajat Banajarwati Paciran Lamongan Siswadi Siswadi; Ahamad Khaerul Rozikin; Fitri Ariyanti
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v5i2.607

Abstract

Culture in the organization can optimize the attitude of employees in acting according to the expectations and goals of the organization. The performance of an employee is individual, because each employee has a different level of ability in carrying out their duties. This research is a quantitative study, which aims to analyze the influence of organizational culture on the performance of CV employees. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan. The research formulation consists of: 1) is there an influence of organizational culture on the performance of employees of CV. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan?, and 2) how much influence does organizational culture have on employee performance at CV. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan?. This study uses primary data and secondary data. The sample used is a saturated sample that uses all members of the population as a sample of 23 people. And the data collection techniques used are: Questionnaire (Questionnaire) and Documentation. As well as data analysis techniques used simple regression analysis and T test. The results of the analysis show that organizational culture influences the performance of CV employees. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan. The results showed that it was suspected that there was a positive influence between organizational culture on the performance of employees at CV. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan. And quite a big influence of organizational culture on the performance of CV employees. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan so that the Organizational Culture in the company is very influential in improving the performance of CV employees. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan.
Strategi Pemasaran di Toserba Sunan Drajat Perspektif Ekonomi Syariah R. Zainul Musthofa; Siti Aminah
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v5i2.610

Abstract

In every company must have a different marketing strategy, but there may also be the same. It's the same with the Sunan Drajat Department Store, because this is done in order to direct business efforts towards success. While we as Muslims in running a business, it is not enough just to implement strategies that are widely used by conventional people, but these strategies must also be based on sharia principles and values. The research method used is a qualitative research method, which is sourced from primary and secondary data, and uses data collection techniques including; observation, interview, and documentation. The results of this study are: 1. The marketing strategy implemented by the Sunan Drajat Department Store, includes: a. In terms of price, that is not only looking for profit but also for charity (as a supporter of PPSD development). b. In terms of location, namely always maintaining the cleanliness of the location. c. In terms of HR (people), namely trying to provide good service to consumers. d. Promotion is trying to be honest in introducing products to consumers. 2. In determining or assessing the strategy implemented by the Sunan Drajat Department Store with sharia principles, there are several indicators that must be met, including: a. The principle of Rabbaniyah, namely not only seeking worldly benefits, but also the hereafter. b. Ethical Principles, namely providing good service to consumers. c. Realistic Principles, that is clean, tidy, understated, flexible, and flexible in appearance. d. Humanistic Principles, namely providing universal services. In conclusion, it can be seen that the marketing strategy implemented by the department store is in accordance with sharia marketing principles.
Penerapan Strategi Marketing dalam Meningkatkan Pelanggan di Toserba Sunan Drajat (Studi di Toserba Sunan Drajat Banjarwati Paciran Lamongan) Rizqi Ananda Putri; Abdullah Zawawi; Arif Maghfur
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v5i2.611

Abstract

The development of the business world is growing rapidly both in the service and industrial sectors. This causes competition between companies to become increasingly stringent. This requires companies to improve their capabilities so that the products or services produced are increasingly innovating. So in the process a marketing strategy is needed to improve the development of the business. This type of research uses qualitative research methods with a descriptive approach which is obtained through collecting data from the process of observation, interviews/interviews, and documentation. While the data analysis technique used is data reduction, data presentation, and conclusion. The purpose of this research is to answer, find out, describe and analyze the formulation of the problem; 1) at the Sunan Drajat Banjarwati Paciran Lamongan Department Store. 2) How to plan the implementation of the marketing strategy at the Sunan Drajat Banjarwati Paciran Lamongan Department Store. 3) What are the supporting and inhibiting factors encountered in marketing products at the Sunan Drajat Department Store Banjarwati Paciran Lamongan. The analysis used is the Marketing Mix analysis approach with seven indicators from an internal and external perspective. In addition, it is strengthened by Segmentation, Targeting and Positioning which are collaborated on the analysis of the application of marketing strategies at the Sunan Drajat Department Store. The results of the study explain that the Sunan Drajat Department Store applies a marketing mix strategy, namely product, place, price, promotion, people, processes, physical evidence and in its development also apply segmentation, targeting, and positioning in it.
Legalitas Cryptocurrency: Tinjauan terhadap Fatwa-Fatwa Institusi dan Personal Arzam Arzam; Muhammad Fauzi; Mursal Mursal; Abdul Muid
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v5i2.612

Abstract

This study aims to review and comprehensively explain the legality of Cryptocurrency based on a number of institutional and personal fatawa. To answer the research objectives, it was carried out using descriptive research with a qualitative approach. The research data comes from secondary data in the form of institutional and personal fatawa that have been published online, and are accompanied by supporting writings explaining these fatawa. The collected research data were analyzed by following the steps including material collection, discussion, and descriptive analysis. This research shows that a number of institutional and personal fatawa are divided into three decisions on the legality of Cryptocurrency, namely the first is Halal Cryptocurrency; on the grounds that it can be treated as a form of Maal (property), because it is based on social approval and general use so it is permissible to own;, trade;, transact;, etc. there is a clear decision), on the grounds of excessive gharar (speculation); security risk; can easily be used in illegal activities;. Third, Cryptocurrencies are illegal, for various reasons, they are not currency and are not legal means of payment; decentralized validation; excessive gharar (speculation); can easily be used for maysir (gambling);, and used to fund terrorists;. This research needs to be continued considering the limitations it has, such as seeing arguments against Cryptocurrency due to its properties (characteristics) so it is very good and it takes hard work to see it from various perspectives.
Analisis Manajemen Produksi pada UMKM Batik untuk Meningkatkan Efisiensi Usaha di Desa Sendangduwur Syarifatul Hidayah; Jihan Abidatul Musyfiqoh; Putri Lailatul Mufarikha
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 8 No. 2 (2026): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v8i2.3119

Abstract

This study aims to analyze the implementation of production management in batik UMKM in Sendangduwur Village and identify efforts to improve business efficiency. The method used was qualitative research with a descriptive approach. Data were obtained through interviews, observations, and literature reviews. Data were then analyzed through data reduction, presentation, and conclusion drawing using triangulation techniques to ensure data validity. The results indicate that the production management applied remains simplistic and based on inherited experience, particularly in aspects of planning, raw material management, production processes, and quality control. Despite this, the batik business remains resilient by relying on traditional methods of hand-drawn batik, which possess high artistic value. Business efficiency is achieved through practical means, such as adjusting production to demand, but still faces challenges such as limited labor and rising raw material costs. Therefore, strengthening a more structured production management system, improving workforce skills, and managing resources more effectively are necessary for the business to grow sustainably and be more competitive.

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