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JURNAL ALAMIAH
Published by Institut Agama Islam Sahid Bogor
ISSN : 27764656     EISSN : 29873169     DOI : 10.56406/jurnalalamiah.v2i01
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Education
Jurnal alamiah merupakan Jurnal Penelitian Program Studi Megister Ekonomi Syariah Institut Agama Islam Sahid yang upaya untuk mempromosikan ilmu ekonomi dan keuangan Islam kepada dunia, Pendiriannya bertujuan untuk menjadi jurnal ilmiah bereputasi internasional yang dimaksudkan sebagai tempat yang kredibel bagi para akademisi dan peneliti di seluruh dunia untuk menyebarluaskan karya, studi, makalah, dan format penelitian mereka lainnya.Kemashlahatan sebagai inti dari Muamalah dan Ekonomi Syariah menjadi titik sentral yang akan melihat segala aktifitas di bidang Ekonomi dan Bisnis Syariat Islam, namun juga perkembangan Tekhnologi Komunikasi dan Informasi, Adat dan Budaya Masyarakat hingga Perubahan yang terus terjadi menjadi tema-tema yang diangkat dalam Jurnal ini.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 65 Documents
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PENGARUH PENDIDIKAN DAN PENDAPATAN ISTRI TERHADAP KESEJAHTERAAN EKONOMI KELUARGA DI KECAMATAN CIOMAS Sukarnaesih , Heni; Misno; Waki, Ahmad
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 5 No 02 (2024): JULI 2024
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v5i02.446

Abstract

Ciomas District is one of the sub-districts in Bogor Regency, one of the sub-districts located close to Bogor City. Ciomas District consists of 10 villages and 1 sub-district, which has 150 posyandu and 789 posyandu cadres who always dedicate themselves to social activities, especially in the health sector. The livelihoods of residents of Ciomas District are private employees, civil servants, factory workers as a source of family economy. Ciomas District has succeeded in maintaining population growth. However, the number of unemployed increases, especially during the pandemic from 2020 to 2022, this results in family economic difficulties, which in the end, wives participate in helping the family economically. The formulation of the problem in this research is how the wife's education level and income influence the family's economic welfare. The method used is quantitative with test equipment using classical assumption tests and multiple linear regression analysis. Overall, the results of multiple linear regression analysis and hypothesis testing can be concluded that partially (T test) the wife's education level and income have a significant effect on the family's economic welfare. Simultaneously (F test) shows that the variables of the wife's education level and income have a simultaneous influence on the family's economic welfare with a significance <0.05 With the education that wives have, they can help the family economically. With formal, informal or non-formal education, wives hope to get a better job with sufficient wages for the family. Likewise with income, wives hope that with a high income the family's economic welfare will be guaranteed
ANALISA BISNIS PENGOLAHAN SAMPAH MENJADI BAHAN BAKAR RDF BERBASIS WAKAF PRODUKTIF DI KOTA BOGOR Jatmiko, Sigit Wahyu; Chaniago, Asdi; Misno
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 5 No 02 (2024): JULI 2024
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v5i02.447

Abstract

The aim of this research is to analyze the feasibility of processing waste into fuel, by utilizing productive waqf financing. The research was carried out by collecting data from literature studies and field surveys at the Galuga Bogor TPA, and analyzing it descriptively qualitatively and quantitatively technically and economically. In the financial aspect, it shows the value: NPV IDR 1,660,445,113.55; IRR 17.78 percent; B/C Ratio 1.10 and PBP 4.52 years. The variable cost component, RDF sales price and tipping fee income shows a value of 4.31; 6.70 ; 2.25, this value shows that it is sensitive to change. As a corporate entity that receives tipping fees from the government by involving funding from waqf, this is very feasible, both in part and in total investment costs. Seeing the small level of risk, waqf funds can be used for the RDF production business with a Mudhorobah or Musyarokah pattern, the whole capital or part of it, with sharia principles), with a period of 10-25 years
ANALISIS KEMASLAHATAN PENGGUNAAN LIMBAH DI INDUSTRI SEMEN DALAM PERSPEKTIF SYARIAH ISLAM Susanto, Yayan; Chaniago, Asdi; Misno
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 5 No 02 (2024): JULI 2024
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v5i02.448

Abstract

This study aims to analyze the benefit value of the use of waste in the cement industry, which is currently widely used in almost all cement industries in Indonesia from the point of view of Islamic sharia. This is considered and seen accompanied by supported data from observations and research that the waste used is consumable materials or leftovers from other materials that are no longer used which tend to decrease or even have no benefits or even harm, but can be utilized again as raw materials and fuel. However, in the end, after experiencing the production process of mixing and heating, these wastes will become building materials that will interact directly with users as a new material called cement This study conducted a review and analysis of the benefit value from the perspective of Islamic sharia on the consideration that waste is a material whose constituent ingredients are not known exactly where researchers see that there is potential for these waste materials to come from materials that are not allowed (haram) in Islam to be used as goods that can be used for people's daily life. Then the author uses a type of qualitative research with a descriptive analysis case study approach, with a normative approach to Islamic sharia, while in the discussion the ushul fiqh approach is used, namely istidlal qiyasi. The results of this study indicate that the beneficial value of using waste materials as cement-making materials as a result of the case study approach and normative Islamic sharia, in ushul fiqh istidlal qiyasi is both beneficial, lawful and beneficial because it undergoes a heating process at a high process temperature of 1400 degrees Celsius so that based on the opinion of Islamic scholars of the Hanafi school of thought, the blazing sun can purify soil that is exposed to uncleanness if it is dried in the sun until it loses its color and unclean smell. "The land that has dried up, then the land has been holy." (HR. Zaila'i).
ANALISIS METODE ISTINBATH HUKUM MUHAMMADIYAH DAN NAHDLATUL ULAMA TERKAIT PEMBELIAN KREDIT Marzuki; Imdadun, Muhammad; Pujiharto, Yaya Ruhenda Casmita
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.958

Abstract

Lately, buying and selling on credit is mostly done by the community. In the sale and purchase, the buyer will pay for the desired goods in installments with the agreed time limit. However, of course the price will be higher than paying in cash. The additional price is a problem among scholars. Some say it is haram, halal and even syuhbat. Apart from these differences of opinion, actually buying and selling (Taqsith) credit has benefits for both the seller and the buyer, namely the seller can make his merchandise sell quickly and the buyers can get the goods they want even though they do not have enough money to buy it. So that buying and selling credit can realize the benefit of the people. Several scholars from the Shafi'iyah, Malikiyah, Hanabilah, Hanafiyah schools and also Zaid bin Ali as well as the majority of scholars allow buying and selling with a credit system. As long as there is clarity during the buying and selling contract process. In determining Islamic law, the main reference sources are the Qur'an and al-Sunnah. The secondary source is the ijtihad of the scholars. Every istinbath (law-taking) in Islamic law must be based on the Qur'an and the Sunnah of the Prophet
PRAKTIK AKAD MUSYARAKAH DAN MURABAHAH PADA KOPERASI SYARIAH DALAM TINJAUAN FATWA DSN MUI (STUDI KASUS DI KOPERASI ABDI KERTA RAHAJA TANGERANG) Fajeri, Moh; Imdadun, Muhammad; Chaniago, Asdi
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.959

Abstract

Sharia cooperatives, as a form of Islamic financial institution, have emerged as an alternative for developing a Sharia-based economy. Musharaka and murabahah contracts are two frequently used contracts in Sharia cooperative business activities. This study aims to analyze the practice of musharaka and murabahah contracts in Sharia cooperatives in light of fatwas issued by the National Sharia Council - Indonesian Ulema Council (DSN MUI), a case study of the Abdi Kerta Rahaja Cooperative in Tangerang. This study employed a qualitative approach, collecting data through in-depth interviews with Sharia cooperative management, cooperative members, and other relevant parties. Secondary data was also collected from related documents and relevant DSN MUI fatwas. The results of the study indicate that first: The implementation of musyarakah and murabahah contract practices in sharia cooperatives in the observation of the DSN MUI fatwa in the Abdi Kerta Rahaja Tangerang Cooperative is normatively in accordance with the standard structure of the elements of the fulfillment of a contract in general, but in substance there are several deviations, namely unequal parties, no deferral when payment is due, a fixed and determined nisbah collection method at the beginning of the contract. Second: the settlement of default by customers (syarik) at the Abdi Kerta Rahaja Tangerang Cooperative prioritizes non-litigation channels, namely deliberation between the cooperative and customers. Overcoming default requires paying off the financing provided by the cooperative. This does not make the Abdi Kerta Rahaja Tangerang Cooperative absolutely halal, because the Abdi Kerta Rahaja Tangerang Cooperative is still accompanied by various practices that are prohibited by Sharia. This condition makes the Abdi Kerta Rahaja Tangerang Cooperative a syubhat in Islamic law. The management of the Abdi Kerta Rahaja Tangerang Cooperative needs to be reviewed through Islamic principles so that it aligns with expectations. This way, the Abdi Kerta Rahaja Tangerang Cooperative can carry out its functions without violating religious rules and potentially become the largest musyarakah and murabahah scheme in the world with the largest number of participants if the Abdi Kerta Rahaja Tangerang Cooperative adheres to Sharia aspects in its management.
ANALISIS CASHBACK PADA AKAD PEMBAYARAN FINTECH DAN KEMANFAATAN DALAM PERSPEKTIF EKONOMI SYARIAH Sudarma, Ade; Rahmat, Muhammad Imdadun; Casmita Pujiharto, Yaya Ruhenda
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.960

Abstract

The development of internet technology has driven changes in aspect of human transaction affairs, including buying and selling activities. Over time, the growth of online businesses has increased significantly, marked by the rise of e-commerce platforms or startups. Its implication is to encourage innovation in transaction methods. Financial technology (fintech) is one such innovation, with Go-Pay being a prominent example in Indonesia. Go-Pay is a cashless transaction application. Its ease of use and various promotions offered by Go-Pay have attracted consumers. One of the promotions that is often offered is cashback. Cashback refers to the return of funds from the purchase of products or payment for services using Go-Pay. This study aims to analyze the impact of cashback from Go-Pay transactions on the economy of society by employing a qualitative method supported by quantitative analysis, quantitative data was processed using a two-tailed T-test with SPSS version 26 assistance. Qualitative data analysis was done by using analytical descriptive case study approach and library research, incorporating a normative (Islamic law) perspective. Data validity was tested using source and technique triangulation, while the discussion applied the principles of ushul fiqh, specifically istidlal qiyasi (analogical reasoning). The results of this study show a significant value of 52.652, while the T-table at a significance level of 0.05 is 2.020. This indicates that the null hypothesis (H0) is rejected, and the alternative hypothesis (Ha) is accepted. The conclusion is that cashback in Go-Pay transactions has an impact on both the economy of society and its benefits. However, from an Islamic law perspective, cashback still contains elements of riba, which users should avoid. Furthermore, it is recommended that Go-Pay clarify the terms of its transaction in detail and partner with Islamic banks.
ANALISIS PEMANFAATAN DANA ZAKAT DEWAN DAKWAH ISLAMIYAH INDONESIA (DDII) PADA PROGRAM POLA KADERISASI DAI DI KABUPATEN BEKASI Nasruloh , Diyan; Sumengkar, Apung; Yusnita , Titien
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.961

Abstract

Da'wah is the responsibility of every Muslim, both male and female. The implementation of Islamic da'wah activities will be more successful if equipped with adequate expertise and skills. This research method uses a qualitative approach, which aims to investigate, find, describe, and explain the quality or specialty of social influence that cannot be measured or explained by a quantitative approach. Analysis of the Utilization of Zakat Funds in the Dai Cadre Program shows several important things. First, the need for da'wah in remote areas is very limited, while there is an increase in Christianization activities by missionaries. Second, students from these areas study religion with the hope of returning to their hometowns to da'wah. Third, the mechanism for collecting funds for financing cadre formation is carried out in two ways, namely offline and online. Fourth, the challenges faced in da'wah cadre formation include funding problems, lack of technological skills among students, and the abilities of the students themselves. Fifth, it is hoped that this cadre formation program can continue and be sustainable. Furthermore, the factors that support the success of the Analysis of Zakat Fund Utilization in the Dai Cadre Program include several aspects. First, the supervision methods applied, such as controlling, supervision from musrif, and lecturer visits. Second, steps to overcome challenges, including improving selection on campus, increasing knowledge about zakat, and preparing programs for students who experience academic difficulties. Third, the results that have been achieved include the number of Islamizations, the establishment of schools, Islamic boarding schools, and roles as marbot, muezzin, imam, and khotib, as well as teaching in pengajian. Fourth, the form of cooperation with national zakat institutions (Laznas), such as PT Paragon and the Wardah cosmetics company. Fifth, support from the government in the form of ease in licensing, and sixth, support from the community in the form of self-help funds.
MODEL STRATEGI KOPERASI SYARIAH BAYTUL IKHTIAR DALAM PEMBERDAYAAN EKONOMI UMMAT DI KOTA BOGOR Mitra; Casmita Pujiharto, Yaya Ruhenda; Sumengkar , Apung
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.962

Abstract

This study is entitled "Strategy model of Baytul Ikhtiar Sharia Cooperative in empowering the economy of the people in Bogor City" This study aims to examine the strategy model of Baytul Ikhtiar Sharia Cooperative in empowering the economy of the people in Bogor City. By using qualitative methods and SWOT analysis, this study found that the strategy model used is based on sharia finance, mentoring MSME members and optimizing social funds (ZISWAF and Qardhul Hasan) with the Grameen Bank concept, while the factors that influence it are the Implementation of Sharia Principles, Digitalization Support, Mentoring and Training of MSMEs, Optimization of Social Funds (ZISWAF & Qardhul Hasan), Collaboration with Sharia Financial Institutions and partners, Strong Networks and Communities. However, there are several major challenges faced, such as limited capital and competition. The SWOT analysis reveals that the main strengths lie in cooperative services, Mentoring and training, and optimizing social funds in empowerment programs. However, weaknesses such as limited capital, and lots of competition. Opportunities include government support and collaboration with other institutions, increasing public awareness, while threats include economic instability and policy changes, lack of trust in Islamic cooperatives, and competition between other institutions.
EVALUASI PENGELOLAAN WAKAF PERSATUAN UMMAT ISLAM (PUI) DI KABUPATEN BOGOR DAN SOLUSINYA (PENDEKATAN METODE DELPHI) Hendrawan, Herdi; Chaniago, Asdi; Sasongko, Aryo
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.963

Abstract

The potential for PUI waqf is enormous, however, the fact is that waqf management still encounters obstacles. This study identified problems that became obstacles in the management of PUI waqf, especially in Bogor Regency. The method used in this study is a quantitative method with the Delphi method of analysis. Based on the results of the Delphi analysis, the highest ranking obstacle is the lack of understanding and public awareness about waqf. As for the highest solution rating, there are three criteria, namely providing effective education and socialization to the public regarding good waqf, innovative waqf management from the PUI Waqf Asset Institution, and transparency and accountability of the PUI waqf asset institution. as well as transparency and accountability of PUI waqf asset institutions. The management solution offered by the expert is that each PUI institution looks for potential and productivity that can be developed, collaborates with other existing institutions, and consolidates PUI waqf assets. Increasing nazhir competence, developing waqf digitalization, participating in diversifying waqf products that have developed, strengthening the legal standing and certification of waqf land.
ANALISIS FUNGSI INTERMEDIASI LEMBAGA PEMBIAYAAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) AMANAH UMMAH DALAM MENGEMBANGKAN SEKTOR USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI BOGOR BARAT Cholil , Ahmad; Sumengkar, Apung; Rahmat, Muhammad Imdadun
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 02 (2025): JULI 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i02.964

Abstract

Bank Pembiayaan Rakyat Syariah is a sharia bank that in its activities does not provide services in payment transactions. The legal form of BPRS is a limited liability company. BPRS may only be owned by Indonesian citizens and/or Indonesian legal entities, local governments, or partnerships between Indonesian citizens or Indonesian legal entities and local governments. The MSME sector has advantages and is very potential to be further developed through appropriate policies and support from appropriate institutions. The main problem faced by the MSME sector is in the form of capital. Data collection techniques are a method used by researchers to capture or collect qualitative information from interviews, documentation, research observations. The intermediary role of BPRS Amanah Ummah carried out by the bank does not yet exist, however, BPRS Amanah Ummah continues to help the community in order to meet their needs and provide subsidized housing to the poor and also distribute tabarru funds "such as zakat, infaq and shodaqoh. The Influence of the Murabahah Financing Intermediation Function of BPRS Amanah Ummah on the Welfare of MSME Actors in West Bogor through family, deliberation, and negotiation through customer summons or warning letters, rescheduling, and selling "together" collateral. Because according to BPRS Amanah Ummah, it does not take long and the costs incurred are relatively cheaper. The results of research that has been tested using the t test analysis technique explain that there is an influence of BPRS financing on the growth of West Bogor

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