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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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Analisis Rasio 3 - Bank Komersial dengan Uji - Rls: Implikasi dan Bukti Kinerja Keuangan Bank Indonesia dan Malaysia Lucky, Muhammad; Zawawi, Abdullah
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 2 (2024): 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.v6i2.888

Abstract

Abstracts This research aims to analyze the interaction between commercial banks in Indonesia and commercial banks in Malaysia on bank financial performance reports seen from the ratio aspect of bank financial reports. The method used in this research is a quantitative descriptive method by knowing the existence of the Dependent variable value on the variable (Independent) or more without making relationships and comparisons with other variables. In terms of bank value using the 3 - RLS implementation route, namely, the bank's Profitability Ratio is calculated by looking for Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), and Operating Expenses / Operating Income (BOPO). The Liquidity Ratio is calculated by finding the Quick Ratio (QR), Loan to Deposit Ratio (LDR), and Loan to Assets Ratio (LAR). The Solvency Ratio is calculated by looking for the Capital Adequacy Ratio (CAR) and Debt to Equity Ratio (DER). The results of this research evaluate and see the feasibility of 3 commercial banks in Indonesia and Malaysia against the Central Bank using the Triple - RLS method concept. As for commercial banks, there is policy integration with central bank criteria. Therefore, there needs to be discipline and commitment in improving financial performance in financial reports between Indonesian and Malaysian commercial banks.
Sistem Cash on Delivery (COD) dalam Jual Beli Online Menurut Perspektif Ekonomi Islam Musbikhin, Musbikhin; Maghfur, Arif; Elisia, Dian
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 2 (2024): 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.v6i2.917

Abstract

Online buying and selling are transactions carried out by parties using the internet network. The payment method that is often used today is the COD system. The aim of this research is to find out and explain the mechanism of the Cash On Delivery (COD) system in online buying and selling according to an Islamic economic perspective. In this research the researcher used a library research method with descriptive qualitative analysis using a deductive method regarding the cash on delivery (COD) system and analyzed using an Islamic economics approach. The results of this research include the following: 1) the online buying and selling mechanism with the COD system in the marketplace can be implemented by selecting the goods first and then payment is made in cash when the goods arrive. To purchase products, you can order them via the website or application. 2) (2) Based on the analysis of online buying and selling using the COD system carried out by the marketplace, it is in accordance with Islamic economic principles, such as aspects of justice, transparency and compliance. So online buying and selling using the COD system is permitted from a Sharia Economic perspective.
Pandangan Yusuf Qardawi dalam Kitab Daurul Qiyam Wal Akhlaq Fil Iqtishadil Islami Mengenai Etika Produksi, Konsumsi dan Distribusi dalam Upaya Membangun Kesadaran Bisnis Beretika Ghofur, Abdul; Samsuri, Ali
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 2 (2024): 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.v6i2.935

Abstract

The term Islamic economics has existed since the religion of Islam emerged in the world. Yusuf alQardhawi described Islamic Economics as an economic system rooted in religious principles. According to him, this is a system inspired and regulated by Allah SWT, with goals and laws originating from His teachings. All economic activities, such as production, distribution, consumption, and international trade, are directed by divine principles and aim to gain God's approval. In an era of globalization that tends to ignore morals and ethics, Yusuf al-Qardhawi emphasizes the importance of Economic Ethics, which he considers to be the guardian of economic sustainability. This research uses a qualitative approach to explore and explain qualities and social aspects that cannot be measured quantitatively. The scientific method used is library research, which relies on data and information from various sources in the literature. From a production perspective, Islamic Economics encourages everyone to work diligently and compete to find work, because this is considered an obligation and honor, as well as the right of every individual. In the consumption aspect, the wise use of wealth is emphasized, remembering that ownership of wealth is not the main goal, but rather a means to enjoy God's gifts. In distribution, the main principles are freedom and justice. Freedom in this case rejects oppression that hampers the lives of ordinary people and controls their sources of sustenance. Justice is defined as appropriate placement in the position that it should be.
Regulation and Practice of Salam and Istishna Contracts in The Islamic Banking System in Indonesia Amalia, Eliza; Rahma, Ely; Aulia, Mutifah; Qamariah, Zaitun
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 2 (2024): 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.v6i2.941

Abstract

This study analyzes the regulation and practice of akad salam and istishna in the Sharia banking system in Indonesia. By paying attention to the existing regulatory framework, this article examines the practical implementation of akad salam and istishna by Sharia banks in Indonesia as well as the challenges faced in the application of the contract. The results of the analysis highlight the importance of a deep understanding of sharia principles in the development of appropriate sharia banking products and services. Keywords: Akad Salam, Istishna, Sharia Banking, Regulation, Practice.
Faktor-faktor yang Mempengaruhi Volume Penjualan Pakan Ternak di PT Japfa Comfeed Indonesia, Tbk. Unit Makassar Aisyah, Aisyah; Sari, Anita; Azis, Winda Ariyanti
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 2 (2024): 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.v6i2.1012

Abstract

Product sales strategies are supported by technology that makes it easy for consumers to buy a product. According to Sulastri (2014) sales volume is the level of sales obtained by the company for a certain period in units (units/total/rupiah). The purpose of this study was to determine what are the factors that affect the sales volume of animal feed at PT. Japfa Comfeed Indonesia, Tbk. Makassar Unit. Feed is a single or mixed food material, both processed and unprocessed, which is given to animals for survival, reproduction and breeding. This research was conducted in April and July 2023, which took place at PT Japfa Comfeed Indonesia. Based on this, this research uses qualitative data so that in collecting data interviews with 30 respondents are conducted. The results of this study indicate that when viewed simultaneously or as a whole the factors that affect the sales volume of animal feed at PT. Japfa Comfeed Indonesia, Tbk. Makassar Unit, namely demand and supply, fluctuating feed prices, upward trends in raw material prices, and demand on holidays. However, after several data analysis tests, only demand and supply and the trend of rising raw material prices have a very strong (significant) influence on the volume of animal feed sales.
Pengaruh Social Media Marketing dan Influencer Marketing terhadap Keputusan Pembelian Produk Deliwafa di Kota Gresik Septrilia Putri, Alicya Dewi; Zawawi, Abdullah; Zaini, Ahmad Afan
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): 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.v7i1.1262

Abstract

The ease with which people can access information about a product has given rise to a new shopping system that can be done online. Then, this is used by companies to attract the interest of their potential consumers by utilizing social media as a part of digital marketing, this strategy is also called Social Media Marketing (SMM). One of the social media applications that is currently frequently used is the Tiktok and Instagram applications. The TikTok and Instagram application algorithms are different from other applications, making it easier for people to go viral and be recognized by many people. So, the term influencer emerged as someone who can have an influence on other people. To become a company that can be known to the wider public, a company must have a good brand image so that potential consumers can easily remember what products the brand produces. Referring to this, the question arises of the influence of social media marketing and influencer marketing on purchasing decisions for Deliwafa products in Gresik City. This research used quantitative research with 100 respondents who were followers of the Gresik City branch of the Deliwafa Instagram account who were analyzed using multiple linear regression. Based on the results of data analysis, it is known that social media marketing influences the decision to purchase Deliwafa products in Gresik City, the influencer marketing variabel also has a positive and significant influence on the decision to purchase Deliwafa products in Gresik City
Pengaruh Harga dan Promosi terhadap Keputusan Pembelian pada Layanan Dine-in di McDonalds Ciceri Kota Serang Novitasari, Sela; Sari , Ade Ratna
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): 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.v7i1.1317

Abstract

The purpose of this research is to determine the effect of prices and promotions on customers' purchasing decisions for dine-in services at Mcdonalds Ciceri , Serang City, both partially and simultaneously. The method used in this research is associative quantitative with a population of 37,500 customers taken as a sample of 100 respondents. The sampling technique uses a probability sampling method, namely accidental sampling. The data analysis techniques in this research are: simple linear regression analysis, multiple linear regression analysis, and coefficient of determination analysis. Then hypothesis testing is the t test and f test. The results of this research are that price influences purchasing decisions, this can be seen from the t test with the calculated t value > t table or (10.084 > 1.660). This is also reinforced by the ρ value < Sig.0.05 or (0.000 < 0, 05). Promotions influence purchasing decisions this can be seen from the t test with the calculated t value > t table or (9.126 > 1.660). This is also reinforced by the ρ value < Sig.0.05 or (0.000 < 0.05). Price and promotions influence purchasing decisions, this can be seen from the results of the f test where F calculated > F table or (73.628 > 2.70), this is also reinforced by ρ value < Sig.0.05 or (0.000 < 0, 05).
Efisiensi Bank Umum dengan Pendekatan Data Envelopment Analysis (DEA) untuk Mewujudkan Green Banking di Indonesia fitri, Heti Suryani Fitri; Abrianto, Heri; Ramadhani, Annisa Alifa; Dewanti, Lintang Kresna; Jatiningrum, Pebriantika Wahyu; Khairunnisa, Khairunnisa
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): 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.v7i1.1323

Abstract

Banking competitiveness can be reflected in the level of operational efficiency. Measuring performance based on efficiency is very crucial for banks. Banks that have better performance must manage efficiency levels to be better able to compete. This research aims to determine the level of efficiency of commercial banks and the potential for improving commercial bank inefficiencies. This type of research is quantitative descriptive research. The sample taken used purposive sampling, namely taking KBMI 4 banks, namely commercial banks which have core capital of more than 70 trillion, consisting of Bank BNI, Bank Mandiri, Bank BCA and Bank BRI. The data analysis method uses Data Envelopment Analysis (DEA) and the software used is MaxDEA. The results of this research show that the KBMI 4 bank that has achieved the most perfect efficiency levels, namely an efficiency score equal to 1, is BRI.  The reason for Bank KBMI's inefficiency 4 is that most of the resources used have not been able to increase interest income and fee based income. Potential improvements that can be made are by increasing Third Party Funds, increasing total assets, reducing labor costs and switching manual transaction strategies to digital transactions
Waste and Overconsumption in Modern Finance: an Analysis of Qs Values. Al-Isra: 26-27 Arum, Hafidza Sanshia; Mawardi, Mawardi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): 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.v7i1.1375

Abstract

Excessive consumption and wastefulness have become critical issues in modern finance, especially in the digital era that facilitates consumerist behavior through online shopping and easy access to credit. This article explores the impact of consumerist lifestyles on individual and global economic stability and its relevance to the Islamic prohibition of wastefulness as stated in QS. Al-Isra: 26-27. This study employs a qualitative descriptive approach using thematic exegesis to analyze the concept of israf in the Qur'an. Findings reveal that consumerist behaviors, such as impulsive buying and consumer debt, harm financial stability and psychological well-being while exacerbating social inequality. QS. Al-Isra: 26-27 offers moral guidance on prudent financial management, avoiding wastefulness, and prioritizing social responsibility. This article emphasizes the importance of Islamic finance education, the use of Islamic financial technology, and the application of maqasid shariah principles to establish a sustainable economic system. Hence, Islamic values can serve as an effective solution to address the challenges of consumerist lifestyles in the modern era.
Syariah Pawnship in Indonesia: Analysis of Fiqh and Its Practice in Syariah Financial Institutions Mustaniroh, Mustaniroh; Musadad, Ahmad; Zahro, Umi Indasyah; Pujiati, Tri
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): 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.v7i1.1413

Abstract

Economic and business developments are always accompanied by developments in capital requirements and additional business capital facilities which always require guarantees to maintain the security of the capital provided. business. Pawning is a type of debt and receivable agreement and has been in place since the time of the Prophet. Over time pawnshop institutions were formed to encourage economic survival. This research aims to explain various aspects of sharia pawning starting from the history, legal basis of sharia pawning to the implementation of pawning in both banking and pawnshop institutions in Indonesia. This research is research with a qualitative descriptive approach using documentation studies through references related to sharia pawning in Indonesia. The research results show that sharia pawn operations in Indonesia do not conflict with Islamic sharia (Al-Qur'an, Hadith, Ijma, and DSN Fatwa). Not only that, the principle of pawning is actually in line with maqashid sharia, namely the protection of property, body, mind, offspring and soul. Handling problems at sharia pawnshops by providing several ways to pay off and not adding to the burden of deposits and administration costs. The results of this research provide recommendations that the implementation of sharia pawning can be implemented in the community for the benefit of the people.

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