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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 95 Documents
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Pengaruh IPM dan Pengangguran terhadap Pertumbuhan Ekonomi dalam Perspektif Islam di Provinsi Bengkulu Fasmala Sari, Fina; Mursalin, Supardi; Putra Hasibuan, Rahmat
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.1777

Abstract

This study aims to determine how the economic growth of Bengkulu Province is influenced by the unemployment rate and the Human Development Index (HDI) from an Islamic economic point of view. If HDI measures the quality of human resources in terms of living standards, education, and health, then unemployment shows how effective the use of labor in a field is.  The time series of data from 2012 to 2023 obtained from the Bengkulu Province Central Bureau of Statistics (BPS) is the secondary data source in this study.  The method applied is Mixed Method. Multiple linear regression is the test used to analyze, along with hypothesis testing and classical assumptions, to determine the extent to which independent factors affect the dependent variable. The results showed that HDI had a partially negative and significant impact on economic growth, but had no significant effect on the unemployment variable. Unemployment and HDI together have a major impact on the economic growth of Bengkulu Province in 2012-2023. Therefore, increasing and reducing HDI is considered an important effort to realize fair and sustainable economic growth according to sharia principles because from the point of view of Islamic economics, economic development is measured by considering material aspects as well as the balance between the needs of the world and the hereafter.
Pengaruh Kepemimpinan dan Kompetensi Pegawai terhadap Kinerja Pegawai Pada Pusat Data dan Teknologi Informasi Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi Handayani, Rima; Hermawati, Rahmi; Astuti , Eni Puji
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.1781

Abstract

The purpose of this study was to determine the effect of leadership and employee competence on employee performance at the Pusat Data dan Teknologi Informasi Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi (Pusdatin Kemendikbudristek). The research method uses quantitative methods. The population in this study were all employees of the Pusat Data dan Teknologi Informasi Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi (Pusdatin Kemendikbudristek) totaling 179 people. The sampling technique used the Slovin formula with a sample size of 64 people. The data analysis method in this study uses the IBM SPSS version 26 application. Includes validity test, reliability test, classical assumption test, simple linear regression test, multiple linear regression test, coefficient of determination test, t test and f test. The results of this study are Leadership (X1) has a significant effect on Employee Performance (Y) with a determination value of 79.4% and in the hypothesis test obtained a tcount value of 14.371> t table 1.999 with a significance of 0.008 <0.05. Employee Competence (X2) has a significant effect on Employee Performance (Y) with a determination value of 63.2% and in the hypothesis test obtained a tcount value of 10.320> t table 1.999 with a significance of 0.006 <0.05. Leadership (X1) and Employee Competence (X2) simultaneously have a significant effect on Employee Performance (Y) with multiple linear regression equations Y = 4.193 + 0, 630X1 + 0.253X2. With a determination value of 43.1%. Hypothesis testing obtained Fcount value 117.553> Ftable 3.15 with a significant level of 0.000 <0.05, thus Ho1 is rejected and Ha1 is accepted, meaning that simultaneously Leadership and Employee Competence have a positive and significant effect on Employee Performance of the Pusat Data dan Teknologi Informasi Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi (Pusdatin Kemendikbudristek).
Analisis Standar Pelayanan Wakaf di Lembaga Roumah Wakaf Surabaya Meidiana, Meidiana; Sarifudin, Muhammad Farid
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.1949

Abstract

This study aims to analyze the implementation of waqf service standards at the Roumah Waqf Institution Surabaya. Optimal service standards are an important element in increasing trust and community participation in waqf management. This study uses a qualitative approach with a descriptive design, through document analysis and literature review. The findings show that Roumah Waqf implements various service innovations, including a personal approach to donors, digital services, and waqf asset management policies in accordance with sharia. Factors such as transparency, and responsiveness. In service, it is proven to have a significant impact on the level of community satisfaction. This research contributes to identifying best practices that can be adopted by other waqf institutions in Indonesia, as well as offering strategic recommendations for the development of more professional service standards
Analisis Pengaruh Upah Minimum Regional (UMR) dan Indeks Pembangunan Manusia (IPM) terhadap Tingkat Pengangguran Terbuka (TPT) di Provinsi Banten dalam Perspektif Ekonomi Islam Tahun 2015-2024 Kusuma, Rhima; Putri, Rosydalina; Hasimi, Diah Mukminatul
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.2013

Abstract

This study analyses the effect of the Regional Minimum Wage (UMR) and Human Development Index (HDI) on the Open Unemployment Rate (TPT) from an Islamic economic perspective from 2015 to 2024 using cross-sectional data covering eight districts in Banten Province sourced from the Central Statistics Agency (BPS). This quantitative study employs the Common Effect Model. This model is deemed appropriate after passing the Chow and Hausman tests, enabling classical assumption tests, partial tests, and simultaneous tests to be conducted. The findings indicate that, partially, the UMR does not have a significant effect on the TPT. Conversely, the IPM has a significant partial effect on the TPT. Simultaneously, the UMR and IPM have a positive and significant effect on the TPT. From an Islamic economic perspective, unemployment is a social and moral issue, with an emphasis on social justice and wealth distribution. Wages are the right of workers, and improving human resource quality through the HDI is important for reducing unemployment. These results are expected to provide deeper insights into the variables studied and valuable input for formulating national economic policies aimed at reducing open unemployment in Banten Province.
Preferensi Pelaku Usaha Mikro Kecil Menengah terhadap Alternatif Pembiayaan Syariah di Perbankan Syariah Sharoh, Siti Mayyas; Nur Aini, Aprilia Faizah; Kholmi, Masiyah
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.2041

Abstract

This research examines the preferences of Micro, Small and Medium Enterprises (MSMEs) actors towards Sharia financing schemes offered by Islamic banking. The research uses a qualitative approach with a descriptive-analytical method based on a literature study of various relevant scientific literature, articles, books, and reports. The focus of the research is to understand the factors that influence the tendency of MSMEs to choose certain schemes, as well as their relationship with the understanding of Islamic economic principles, especially usury. Usury, which is expressly forbidden in Islam, involves unfair profits from loans that cause significant financial burdens, especially for small businesses. The high interest rates imposed by conventional financial institutions often result in increased debt, decreased productivity and even bankruptcy for MSMEs. The research findings show that MSMEs' preference for Islamic financing is influenced by the level of understanding, trust in sharia principles, ease of procedures, and risk perception. The Islamic financial system offers an alternative that complies with sharia principles and provides a more equitable and mutually beneficial financing solution.  
Strategi Toserba Sunan Drajat Paciran Lamongan dalam Menarik Minat Berbelanja Masyarakat Fi Jaisyi, Muhammad; Musthofa, R. Zainul; Aminah , Siti; Ulum, Miftachul
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v6i1.625

Abstract

The number of modern retailers in the Paciran area, Lamongan indicates that retail business competition in this area is becoming increasingly complex. Therefore, retailers try to design a strategy to take advantage of opportunities appropriately because these strategies play an important role in facing market competition. Retailers have their own strategies and ways related to the market they want to get, so the business strategy of each retailer is required to be able to attract attention and meet the needs and desires of consumers. This research aims to know, analyze and prove the formulation of the problem; 1) What is the strategy carried out by Sunan Drajat Department Store in attracting public shopping interest? 2) What are the factors that cause the high interest of people to shop at Sunan Drajat Department Store?. This type of research uses descriptive qualitative research methods, using primary and secondary data sources obtained through data collection from the observation process, interviews, and documentation. While the data analysis techniques used use data reduction techniques, data presentation, and conclusion drawing. The result of this study is Sunan Drajat Paciran Department Store in attracting public shopping interest by using 5 strategies, namely product strategy, price strategy, promotion strategy, service strategy, and physical facilities. The reason why consumers shop at Sunan Drajat Department Store if sorted from the most prominent reason is the influence of Sunan Drajat, KH. Abdul Ghofur and pesantren, then prices, services, products, promotions, and facilities. This is in accordance with the theory put forward by Utami and Christina Widya in their book Retail Management that the components of the retail mix strategy are products, prices, promotions, services, and physical facilities
Penerapan Analisis Swot terhadap Strategi Pengelolaan Bumdes Mitra Sejahtera dalam Peningkatan Ekonomi Masyarakat Studi Kasus Desa Tempuran Kecamatan Ngluyu Kabupaten Nganjuk Jawa Timur Rodiatuz Zahro, Dewi Anifa; Zaini, Ahmad Afan; Munir, Akhmad Sirojudin
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v6i1.660

Abstract

The management of BUMDes Mitra Sejahtera aims to act as a driving force for village-level local development. The management of Mitra Sejahtera BUMDes is based on potential needs, village capacity, increasing village community income with the aim of improving the community's economy based on cooperative, emancipatory and participatory principles from the community. The discussion of this research aims to analyze the SWOT method, challenges to the Mitra Sejahtera BUMDes manager, with the aim of being able to overcome all the problems that will later become obstacles to the glory of Mitra Sejahtera BUMDes by using the SWOT method. The research methodology used in this study is a qualitative approach, namely by interviewing the community, the head of the Mitra Sejahtera BUMDes, the village head. In order to find out the management carried out by the Mitra Sejahtera BUMDes which is used to improve the community's economy. This discussion gets The result is that Mitra Sejahtera BUMDes has many opportunities to improve the community's economy, has competent leaders and has good planning and management which is very necessary for the progress of Mitra Sejahtera BUMDes. the research that has been done is the application of swot analysis to the prosperous partner BUMDes management strategy in improving the community's economy. where people participate and cooperate with each other. In the management of BUMDes where HR is the determinant of the running of a Mitra Sejahtera BUMDes, it is necessary to provide education to the community and education to managing HR. With a SWOT analysis, it can make it easier and know where to study events and threats in the future, anticipate losses if an obstacle occurs and with this analysis it can be avoided and applied for the good and welfare of society and can help people in need
Pandangan Abdullah Saeed Tentang Riba: Teks dan Konteks Ekonomi Islam Azid, Raka Malik
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v6i1.662

Abstract

The aim of this research is to determine the interpretation of usury using Abdullah Saeed's views. The method used is a qualitative method with a literature review type with data collection techniques using context analysis. The results obtained are that Abdullah Saeed is a Muslim scholar who has the concept of contemporary thought with various brilliant ideas by creating the values ​​of hierarchical principles. Seed has interpreted everything that is still being discussed in circles, one of which is usury. Usury does not necessarily mean that it is haram. According to Saed, there is a need for references from historical narratives to see a problem, such as covering the scope of a law, not necessarily directly legalizing usury law itself. Likewise, humans do not have to always prioritize the `illah aspect (literally in the text of the Qur'an) by ignoring the reasons underlying its interpretation (hikmah). The haram labeling of usury is a view only from the 'god' side, without using wisdom. So, if we look at usury from the perspective of `illat, it is clearly considered haram. However, according to Saeed, the addition of bank interest to debtors is done for a moral aspect. The aspect is mutually beneficial to each other, where the debtor borrows to meet his needs and business, while the institution provides additional fees to the debtor who are due as sanctions and intimation profits to roll back the results of the additional fees
Analisis Penggunaan Akad Kafalah bi Al Ujrah pada Produk BSI Hasanah Card di Bank BSI–KCP UINSA Surabaya Mahfudloh, Filla Apriliani; Asy'ari, Mochammad Syahrul; Huda, Bakhrul
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v6i1.711

Abstract

This research aims to find out how the kafalah contract is used in BSI Hasanah Card products. The research method used is a qualitative method using a descriptive approach. The data sources used are primary data and secondary data. Primary data was obtained through a direct interview process with BSI KCP UINSA Surabaya. Secondary data was obtained from various literary sources such as books, journals, articles and other documents that support discussions related to the research theme. The results of this research show that the BSI Hasanah Card is in accordance with sharia principles. BSI Hasanah Card uses three sharia contracts, namely the kafalah bil ujrah, qard and ijarah contracts. The use of the BSI Hasanah Card places restrictions on its users by not being able to use it for types of transactions that are not in accordance with sharia. This can provide a sense of security and eliminate worry for BSI Hasanah Card users from all forms of transactions that contain elements of gharar and usury and are not in accordance with sharia provisions.
Strategi Koperasi Syariah TKI Artha Mulya dalam Meningkatkan Perekonomian Purna TKI Abdullah Zawawi; Wulandari, Erni
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v6i1.786

Abstract

The Artha Mulya TKI Cooperative is a Sharia Cooperative founded by TKI and retired TKI. The Artha Mulya TKI Sharia Cooperative has a market segment that includes the middle to lower levels of society. This research aims to answer, describe and analyze the problem formulation, namely 1. What is the Strategy of the Artha Mulya TKI Cooperative in Improving the Economy of Retired TKI through Creative Economy activities. 2. What are the obstacles and solutions for the TKI Artha Mulya Sharia Cooperative in improving the economy of retired TKI through creative economic activities. The research method used in this research is descriptive qualitative, namely a research method based on scientific objects. And the research instruments used to collect data are observation, interviews and documentation. The Artha Mulya TKI Sharia Cooperative has become popular and close to the community. The results of this research concluded that: (1) The Artha Mulya TKI Sharia Cooperative has several strategies to help improve the economy of its members and the wider community, namely borrowing business capital, creating business groups, holding business training, supplying raw goods, marketing production results, helping with paperwork. permission, while the strategy for the TKI Artha Mulya Sharia Cooperative in improving the economy of retired TKI through creative economic activities is to create a creative economic business in the form of a snack making business with the name "Snack Bu Ernie and KKBM Bintang Mulya". (2) The existence of creative economic activities held by the Artha Mulya Sharia Cooperative in this new normal era has increased the income level of retired migrant workers. The Artha Mulya TKI Sharia Cooperative has several obstacles in helping to improve the economy of retired TKI through creative economic activities, namely capital constraints, member creativity constraints, and product marketing constraints

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