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DEDE AJI MARDANI
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La Zhulma jurnal ekonomi syariah
Published by Institut Agama Islam Tasikmalaya
ISSN : -     EISSN : 29639069     DOI : -
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
Jurnal La Zhulma - Program Studi Ekonomi Syariah Insitut Agama IslamTasikmalaya merupakan Jurnal yang membahas terkait isue-isue ekonomi dan bisnis syariah terkini. Penyusunan jurnal ini didukung oleh segenap dosen tetap program studi ekonomi syariah Insitut Agama Islam Tasikmalaya, tidak menutup kemungkinan untuk membuka kesempatan bagi akademisi-akademisi di luar IAI Tasikmalaya untuk berkontribusi demi kemajuan ilmu pengetahuan dan penelitian di bidang ekonomi dan bisnis syariah. Harapan ke depan jurnal menjadi jurnal yang bereputasi dan terkareditasi secara nasional dan internasional. Semoga jurnal ini bermanfaat bagi pembaca, baik itu akademisi, praktisi, dan masyarakat pada umumnya yang terbit bulan September dan Maret ISSN:2963-9069
Arjuna Subject : Umum - Umum
Articles 104 Documents
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ANALISIS PENDAYAGUNAAN DANA ZIS PRODUKTIF DALAM PEMBERDAYAAN EKONOMI MUSTAHIK : (STUDI KASUS PADA LPI AL-MUTTAQIN KOTA TASIKMALAYA) Nur Arbaien, Muhamad Fasya; Nurhasanah, Elis
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2024): Maret 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v4i2.270

Abstract

Kemiskinan merupakan permasalahan negara yang hingga saat ini masih belum dapat diselesaikan. Islam menawarkan konsep zakat dalam mengentaskan kemiskinan dan meningkatkan kesejahteraan masyarakat. Penelitian ini bertujuan untuk mengetahui peranan dana zakat produktif dalam pengembangan perekonomian mustahik di Badan Amil Zakat Al-Muttaqin Kota Tasikmalaya. Metode yang digunakan adalah deskriptif kualitatif dengan model analisis Cibest. Data yang digunakan dalam penelitian ini adalah data primer yang bersumber dari 23 mustahik yang diambil dengan menggunakan probabilitas sampling, dimana tekniknya menggunakan pendekatan probabilitas acak dalam menentukan unsur sampel. Teknik pengumpulan datanya adalah penelitian lapangan, sedangkan alat yang digunakan adalah observasi, wawancara dan dokumentasi. Hasil penelitian ini menginformasikan bahwa penyaluran dana zakat produktif sudah efektif, karena dapat meningkatkan kesejahteraan mustahik, hal ini dibuktikan dengan peningkatan pendapatan.
Situasi dan Proyeksi Kuantitas Penduduk Kota Tasikmalaya Tahun 2045 Arip Nugraha, Junjun
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2024): Maret 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v4i2.288

Abstract

The research is intended to provide a scientific description as supporting research for the preparation of the Grand Design Document for Population Development of Tasikmalaya City, by presenting an overview of the situation and projected population quantity for Tasikmalaya City in 2045. This research uses an exploratory sequential design approach. The population of Tasikmalaya City at the Golden Indonesia moment in 2045 is estimated to reach 891,049 people with growth of 2.82% from 2040. The sex ratio continues to decline to below 100. The Total Fertility Ratio in 2022 is 2.19 (towards a stable population), while the Age Specific Fertility Rate in 2022 reaches 12.80 which is in line with the 2020–2024 RPJMN target. In 2023, the city of Tasikmalaya is projected to start entering an aging population. The demographic bonus is at the ongoing demographic transition stage. Crude Birth Rate is 16.91, including the low category. The median age at first marriage reached 20.51, which is not in line with the 2020–2024 RPJMN target. The rate of use of modern contraception has reached 62.81 in accordance with the 2020–2024 RPJMN target. The prevalence of using long-term contraceptive methods has reached 29.21, which is in line with the 2024 BKKBN target. The decrease in unmet need is a positive thing.
PENGARUH KUALITAS PELAYANAN ZAKAT TERHADAP KEPUASAN MUZAKKI DI BAZNAS KOTA TASIKMALAYA (Studi Kasus Pada Muzakki di Baznas Kota Tasikmalaya) Fauzy Ridwan, Irwan
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2024): Maret 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v4i2.290

Abstract

The purpose of this study was to analyze and find out how much zakat service quality and how big the level of muzakki satisfaction towards BAZNAS Tasikmlaya City and to determine whether or not there is a relationship between zakat service quality and Muzakki satisfaction carried out by BAZNAS Tasikmalaya City. This study used primary data collection techniques carried out by survey methods with a quantitative approach. The analytical method used is Simple Linear Regression Analysis. In this study, to test the hypothetical relationship, data processing was carried out using SPSS Statistics version 24 software. Based on the results of data analysis using SPSS Statistics version 24 Software, it is known that the quality of zakat services in the City of Tasikmalaya needs special attention because the services provided by BAZNAS in the City of Tasimalaya are not optimal. It can be seen from the data distributed, there are some who do not feel and are not satisfied with the quality of service provided by the Tasikmalaya City BAZAS. The satisfaction of muzakki with BAZNAS Tasikmalaya City can be said to be quite satisfied based on a questionnaire conducted to a number of muzakki, but there are still those who are not satisfied with the performance of BAZNAS Tasikmalaya City. The direct effect of service quality on muzakki satisfaction, based on the statistical calculation of the t-test, the t-count value was -0.030 with a significance value of 0.976 greater than 0.05 (0.976> 0.05) and the regression coefficient had a negative value of -0.006. Thus the quality of service does not significantly affect the satisfaction of muzakki. The coefficient value between service quality variables and muzakki satisfaction at BAZNAS Tasikmalaya City which was formed resulted in a negative relationship. With a correlation result of -0.006, this shows that the quality of service provided by BAZNAS Tasikmalaya City is still far from expectations and cannot be felt by muzakki at BAZNAS Tasikmalaya City or it can be said that the quality of service is still very low.
TINJAUAN HUKUM ISLAM TERHADAP PENYELESAIAN KREDIT MACET PADA PEMBIAYAAN MURABAHAH DI KBMT (KOPERASI BAITUL MAAL WAT TAMWIL) AL-MUAWANAH Zainul Abidin, Muhamad
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2024): Maret 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v4i2.291

Abstract

The objectives of this study are: To find out how the settlement of bad credit murabahah financing at the Baitul Maal Wat Tamwil Al-Muawanah Cooperative and other options used to resolve it; and to find out how Islamic law reviews the settlement of bad credit murabahah financing at the Baitul Maal Wat Tamwil Al Muawanah Cooperative. The basis of this research with the type of data used is qualitative data. The research used is included in the category of field research, which is descriptive analysis, namely where it describes and describes the circumstances and and phenomena that are clearer about the situation that occurs in an institution. The results of this study indicate that: Bad credit financing on murabahah financing is caused by two factors, namely external factors and internal factors. There are several alternative solutions including reschedulling. The legal review in handling problematic financing is found in Surah Al-Baqoroh verse 280, namely by giving deferred to customers. And in accordance with the settlement made by the Baitul Maal Wat Tamwil Al-Muawanah Cooperative
ANALISIS PEMBIAYAAN QARDHUL HASAN TERHADAP PENDAPATAN USAHA MIKRO (Studi Komparatif pada Koperasi Serba Usaha Solusi Terencana Finansial Jembar Tasikmalaya) Rini Muflihah
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2024): Maret 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v4i2.293

Abstract

Tujuan penelitian ini adalah untuk mengetahui dan mengkaji Pengaruh Pembiayaan Qardhul Hasan terhadap Pendapatan Usaha Mikro pada KSU STF Jembar Tasikmalaya dengan membandingkan Pendapatan Usaha Mikro sebelum dan sesudah mendapatkan Pembiayaan. Penelitian ini menggunakan Metode penelitian komparatif dengan pendekatan kuantitatif. Teknik Sampling yang digunakan adalah non probability sampling dengan pendekatan sampling jenuh sehingga populasi yang menjadi subjek penelitian adalah semua anggota populasi yang berjumlah 28 orang. Pengambilan data dilakukan dengan menggunakan kuesioner untuk mengetahui Tingkat pendapatan Sebelum dan sesudah dilakukannya Pembiayaan. Teknik pengolahan dan analisis data dilakukan dengan uji statistik Paired T-test dengan menggunakan program komputer SPSS versi 22.Berdasarkan hasil penelitian menunjukan bahwa Pembiayaan Qardhul Hasan di KSU STF Jembar Tasikmalaya berpengaruh positif terhadap pendapatan usaha mikro. Di buktikan dengan uji Paired Sample Ttest Terlihat bahwa thitung adalah dengan nilai probabilitas 0,000 < 0,05, maka Ho ditolak. Yang berarti Pendapatan sebelum dan sesudah Pembiayaan adalah tidak sama atau berbeda secaca nyata
Ekowisata, Wisata Religi-Spritual: Sebagai Cara untuk Mewujudkan Pariwisata Berkelanjutan Mardani, Dede Aji
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2024): Maret 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v4i2.294

Abstract

When we talk about the topic of the spiritual dimension of tourism, one of the most important issues to ask is how people search for the meaning of their lives, as well as their subjective experience and sense of connectedness, when they are away from home. In fact, there is a close relationship between tourism and religion, which is and has always been a significant driving force behind travel, from the early days of pilgrimage to modern day trips to holy places. Followers of religions with strong belief systems, as well as travelers with only a passing interest in the topic, consider religious sites, rituals, festivals and ceremonies to be among the most important attractions. People who have recently started participating in spiritually-driven experiences, as well as people who want to build sustainable greatness through travel, have made spiritual tourism experiences increasingly popular. It is possible that these qualities are the main cause of the recent surge in popularity of this trend. In contrast to common conceptions of pilgrimages and religious tourism, traveling can be beneficial to one's spiritual development for a number of different reasons. Despite the fact that religious tourism and the spiritual connection to a location are wide-ranging, few scholars have investigated the complex interactions between religion, spirituality and environmentally responsible tourism. The social, societal and ecological implications of (mass) religious tourism is a topic that has received relatively little attention in the world of academic research. Some authors have highlighted the adverse impact that religious tourism has on the commercialization of places and objects that were previously considered sacred. Researchers should pay attention to the commodification of religious symbols and the economic implications of selling these symbols as the world becomes more consumer-oriented
ANALISIS PERMINTAAN SEMBAKO DI BULAN SUCI RAMADHAN: (Studi Kasus di Pasar Baru Cikatomas 2022-2024) Novia Tia Tanjung; Mardani, Dede Aji
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2024): September, 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v5i1.356

Abstract

The purpose of this study was to determine the analysis of basic food demand in the holy month of Ramadhan (Case Study at Baru Market Cikatomas 2022-2024). The method used is qualitative research. The sample in this study were market traders in Cikatomas. The sampling technique used Snowball Sampling technique, This study explores the factors that cause the increase in basic food prices during the month of Ramadhan, focusing on the seasonal increase in demand. The study found that price spikes are caused by the tradition of preparing special dishes, increased income, as well as other factors such as production and distribution costs and import policies. After periods of peak demand, prices tend to stabilize or decline. Changes in consumption patterns and cultural values also affect the price dynamics of groceries, with consumers tending to buy high-quality foodstuffs during the holy month despite the increased prices. The study identified that factors such as price speculation by large traders and increased consumption of chicken meat and eggs contributed to the price spike. The findings illustrate how cultural and social values influence consumption patterns and prices of basic food items during these special periods, and provide insights into how price fluctuations can be managed by considering seasonality, production and distribution factors.
PENGARUH MEDIA SOSIAL, KONFORMITAS TEMAN SEBAYA DAN LIFESTYLE TERHADAP BERPERILAKU KONSUMTIF PADA MAHASISWA INSTITUT AGAMA ISLAM TASIKMALAYA Hindun Hiriyanti; Arip Nugraha, Junjun
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2024): September, 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v5i1.357

Abstract

Many students have social media and actively play social media. Some students can spend more than 3 hours a day accessing social media. The social media they have are Instagram, Tiktok, Whatsapp and they also actively follow the trending lifestyle on social media, and often spend some of their pocket money to buy goods and visit places that are trending on social media. This study aims to determine the effect of the use of social media and lifestyle on the consumptive behavior of students of the Institute of Islam Tasikmalaya.The research method used is quantitative method with data collection techniques through questionnaires. The population in this study were students of the Institute of Islam Tasikmalaya and the sample taken was 116 respondents with purposive sampling technique. Data analysis using multiple linear regression analysis.The findings of this study indicate that social media, peer conformity, and lifestyle are important determinants that influence consumptive behavior among college students. Each of these variables plays a significant role both individually and collectively in encouraging consumptive behavior. The implication of the results of this study is the importance of awareness of social and lifestyle influences on consumption behavior, which can be used by marketers in devising more effective marketing strategies, as well as by individuals to understand the dynamics behind their consumption decisions.
PERANAN HOME INDUSTRY DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT Agung Wahyu Subasriyanto; Fauzy Ridwan, Irwan
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2024): September, 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v5i1.358

Abstract

The purpose of this research is to determine the role of home businesses that produce traditional food in Cihaur Manonjaya Village, to determine the supporting and inhibiting factors in home businesses and their role in improving the economy of the Cihaur Manonjaya community, Tasikmalaya district, as well as an Islamic Economic review of Home Businesses in Cihaur Manonjaya Village . The data analysis method is descriptive qualitative, namely explaining in depth and then conducting qualitative analysis which is described in the form of a description. Research findings regarding the production process of home businesses that produce food in Cihaur Manonjaya are managed simply and do not meet the standards set by the government. Supporting factors in this business are people's high buying interest and ease of marketing, the skills and knowledge that home entrepreneurs have in producing their products, people's desire to increase their income, and the capital that home industry entrepreneurs have. Meanwhile, the inhibiting factor is that the products they produce are easily damaged and do not last long. Even though there are inhibiting factors, this business has contributed to improving the economy of the Cihaur Manonjaya community
ANALISIS PENGELOLAAN KEUANGAN PADA TOKO KUE JHINNY CAKE SALOPA KABUPATEN TASIKMALAYA Salsa Rofiatul Ula; Nurnawati, Rani
La Zhulma | Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2024): September, 2024
Publisher : LPPM IAIT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70143/lazhulma.v5i1.359

Abstract

Financial management is very important for individuals and companies, because it can manage all forms of financial activities well. Small, Micro and Medium Enterprises at the Jhinny Cake Cake Shop are a case study in this research topic regarding financial management analysis. Jhinny Cake Cake Shop operates in the food sector. As his business continues to grow, problems also occur internally in his business, especially poor financial management. The purpose of this research is to determine the financial management implemented at the Jhinny Cake Salopa Cake Shop, Tasikmalaya Regency. This research study uses qualitative research methods. The data source in this research is primary data through interviews with owners, employees and consumers at the Jhinny Cake Salopa Cake Shop, Tasikmalaya Regency, then secondary data is obtained through books, journals, articles from the internet, and collecting data and documents in the shop. Jhinny Cake Salopa Cake, Tasikmalaya Regency which is related to the research discussion. The data collection techniques used are through observation, interviews and documentation. The research results show that the financial management carried out at the Jhinny Cake Cake Shop is still not optimal in terms of financial management, the shop owner still uses manual recording and does not use financial accounting rules.

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