cover
Contact Name
Syamsurizal
Contact Email
syamsurizal.tandikek@gmail.com
Phone
+6285355069432
Journal Mail Official
alhijrahjounal@gmail.com
Editorial Address
Jln Kolonel Anas Malik Bypass Kota Pariaman
Location
Kota pariaman,
Sumatera barat
INDONESIA
Al-Hijrah: Journal of Islamic Economics and Banking
ISSN : 30308925     EISSN : 30256623     DOI : https://doi.org/10.55062//alhijrah
Core Subject : Economy,
Al-Hijrah : Journal of Economis Islamics and Banking a journal that publishes scientific work in the form of articles and as a publisher is the Campus of the Islamic Institute of West Sumatra (IAI SUMBAR) Pariaman. Focus And Aim Journal: Islamic Economics, Sharia Banking, Sharia Management and Sharia Accounting
Articles 46 Documents
Behavior Of Society In Management PNM Mekaar Loan Capital Ismi Affandi; Raja Putra Sakti Harahap; Tengku Hasan Basri
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 1 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i1.609

Abstract

This article aims to determine community behavior in providing loan capital from PNM Mekaar (Civil National Capital to foster a prosperous family economy) to the community in Tanjung Jati Village PTPN II District. Binjai, Langkat Regency. The government has established a financing program for business capital for people who lack capital. One of them is PT. PNM (Civil National Capital). PT. PNM (Civil National Capital) was established as part of the government's strategic solution to improve the welfare and economic equality of society through developing access to capital and capacity building programs for Micro, Small and Medium Enterprises (MSMEs). This research uses qualitative research methods, using primary data sources. The results of the research are community behavior in managing loan capital from PNM Mekaar (Civil National Capital to foster a prosperous family economy) in the community in Tanjung Jati Village PTPN II Kec. Binjai, Langkat Regency with its development Business Enhancement Income Which Done by poor people by taking advantage of it Source Available Power.
Financial Literacy And Income On Interests In Saving Tiara Wirda Yunengsih; Novi Yanti; Erniwati Erniwati; Abdul Rahim A; Anisa Marseli
Al-Hijrah: Journal of Islamic Economics And Banking Vol 1 No 2 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i2.560

Abstract

This study aims to determine the effect of financial literacy and income on the interest in saving at PT. BPR Tri Capital Investama (TCI) West Sumatra. The population in this study was the North Pariaman District Community with a total sample of 100 respondents, where the research data was obtained through a questionnaire which was then processed using an instrument test, data analysis techniques using the classical assumption test, multiple linear regression analysis, hypothesis testing and determination of the R2 coefficient. The results of the t test study show that (1) financial literacy has no significant effect on the intention to save with a t value of 1.937 < t table 1.98 with a significance value of 0.056 > 0.05, and (2) income has a significant effect on the intention to save by the calculated t value is 6.697 > 1.98 with a significance value of 0.000 < 0.05. The results of the f test show that (3) financial literacy and income simultaneously (together) affect the intention to save the t-count value of 6.697 > 1.98 with a significance value of 0.000 <0.05. The determination of 40.1% while the remaining 59.9% is influenced by variables other than the independent variables in the study. It is hoped that the people of North Pariaman Subdistrict will be able to increase awareness of the importance of financial literacy, and also be more proactive in studying existing financial aspects to maintain and manage finances in the future.
The Influence Of Service Quality On The Level Of Customer Satisfaction Indonesia Sharia Bank Mega Lestari; Eko Sudarmanto; Alhazar Rinaldi
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 1 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i1.608

Abstract

This study aims to determine the effect of service quality on customer satisfaction of Bank Syariah Pariaman City. In this study the authors used quantitative research methods. Data collection techniques using questionnaires, interviews and documentation. The population of this study were Bank Syariah Indonesia customers totaling 1,500 customers and the sample used was 94 customers. The data analysis used is Simple Linear Regression Y = a + bX using the help of SPSS software version 25 for windows. Based on the results of the research analysis conducted t-statistical test which shows that the service quality variable (X) has a positive effect on the customer satisfaction variable (Y) with the results from the coefficient table it is known that the t value is 5.969> t table 0.202 with the significance value of the service variable is 0.00 smaller than 0.05 (0.00 <0.05), thus H₁ is accepted. These results indicate that service quality is one of the variables that affects customer satisfaction. The higher the value of service quality, the stronger the effect on customer satisfaction. Through the coefficient of determination (R²) test, it can be seen that the coefficient of determination (R²) value is 0.279 which indicates that there is a significant influence of the independent or independent variable (service quality) on the dependent or dependent variable ( customer satisfaction) which is 0.279 where the number is rounded up to 28%, and the remaining 72% is influenced by other factors not examined by the researcher.
Analysis of Community Interest in Village Cooperative Unit in Nagari Tandikek dinila arifah; Widra Firdaus; lika Akana Helmi; Syukri Rosadi
Al-Hijrah: Journal of Islamic Economics And Banking Vol 1 No 2 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i2.405

Abstract

This research was taken because the writer wanted to know why the Tandikek community's interest in KUD was decreasing. The purpose of this research is to find out the development of KUD Tandikek from the beginning until now and what causes the lack of interest of the Tandikek community in the services of KUD Tandikek. This research method is a qualitative method, the place of this research is KUD Tandikek, one research respondent is taken, namely KUD Tandikek employees. The research instruments used were field observations, interviews and documentation. The author uses data analysis, namely data reduction, data presentation and drawing conclusions. The research findings obtained by the author are KUD Tandikek, village unit cooperatives (KUD), namely cooperatives in rural areas that have an important role in rural communities, especially the agricultural sector. With the development of the business era, KUD Tandikek has decreased, this decline was caused by several factors including the lack of firmness from KUD Tandikek management in terms of savings and loans, many other institutions that match the activities of KUD Tandikek, BRI LINK is increasingly widespread in society. For this reason, a strategy is needed so that KUD Tandikek returns to life and develops in the midst of today's technological advances, one of which is to redevelop existing businesses in KUD Tandikek and improve services to the community by utilizing technological sophistication. From here the author can give the title Analysis of Community Interest in KUD in Nagari Tandikek, Patamuan.
Audit Opinion And Sharia Compliance In Increasing Trust In Zakat Baznas Padang Panjang Nasfi Nasfi; Zakaria Aziz; Yunimar Yunimar; Adi Perwira
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 1 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i1.452

Abstract

The purpose of this research is to determine audit opinion and sharia compliance in increasing trust in zakat in Baznas Padang Panjang City. Type of qualitative research, phenomenological approach method. Baznas Research Location Padang Panjang City. The results of research on audit opinion and sharia compliance are complementary audit instruments. Sharia compliance audits complement conventional financial audits, so that the picture of Baznas' financial performance reports is more comprehensive. So that Baznas is worthy of being an authority institution in carrying out zakat management professionally and with integrity in zakat management, realizing a commitment to transparency, increasing the value of accountability as a manager of zakat funds and finally building a positive reputation and image in society. Public trust is the main factor in increasing zakat receipts at Baznas. A positive audit opinion and sharia compliance predicate is a combination of instruments that contribute to increasing Baznas zakat receipts. The research is implemented in providing recommendations to zakat management institutions that have not carried out audit activities to start implementing them. Audits help zakat institutions in building public recognition and trust.
Family First or Business First? Balancing Family and Business Interests in an Islamic Economic Perspective Suud Sarim Karimullah
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 2 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i2.669

Abstract

This article aims to prove that Islamic economics can provide holistic solutions that can be applied to achieve a harmonious balance between family and business interests without sacrificing either of them. This study uses a library research method with an integrative and comprehensive literature analysis to develop a solid and applicable theoretical framework. The results state that the balance between family and business in a family business is not just an effort to divide time and roles but a strategic integration that demands a harmonized vision, high professionalism, and strong values of togetherness. Family businesses can develop professionally without sacrificing family ties by building a vision based on Islamic principles, implementing good corporate governance, maintaining open communication, and enforcing strict role boundaries. This strategy makes the family business a space that creates profit and realizes blessings and long-term prosperity. Only with a thorough commitment to these values can a family business become an example of true strength rooted in togetherness and integrity amidst increasingly fierce competition.
Effectiveness of Management Information System Applications in Increasing Zakat at the National Zakat Amil Agency Moelyadi Moelyadi; Abdul Rahim A; Anisa Marseli; Syamsurizal Syamsurizal; Novi Yanti; Alhazar Rinaldi
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 2 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i2.725

Abstract

ZIS management at Baznas Padang Pariaman City before the creation of SIMBA was still done manually. This causes several problems, such as the process of receiving, recording, and distributing ZIS funds which are slow and inefficient. These problems can have an impact on decreasing public trust in Baznas Padang Pariaman City. To overcome these problems, Baznas Padang Pariaman developed the SIMBA application. This study uses a qualitative method approach. This research was conducted at the Padang Panjang City National Zakat Agency Office. The instrument used in this study was an interview. The data sources in this study were primary data and secondary data. Data analysis techniques in this study were data collection, data reduction, data presentation and data verification. Data validity techniques in this study were source triangulation, technical triangulation and time triangulation. The results of the study showed that the Baznas Management Information System Application (SIMBA) at the Padang Pariaman National Zakat Agency was very effective because the results of direct research on the use of the SIMBA application met the indicators of program understanding, target accuracy, timeliness, and achievement of goals, real change. The advantages of SIMBA are that it makes it easier to input data, such as Muzaki registration, zakat data recording, to issuing receipts. Zakat distribution becomes more targeted and transparent with data and information on zakat recipients, types of assistance, and the amount of assistance provided. Accurate and faster zakat management reports are carried out. Muzaki can easily access information about zakat management, including their zakat data, zakat recipients, and BAZNAS zakat programs. Increased productivity by automating tasks. Increased accuracy of zakat data and minimize errors.
Gross National Product And Gross Domestic Product In Measurement Of Community Welfare Muhammad Afdhal Arrazak
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 2 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i2.733

Abstract

This article aims to discuss GNP and GDP as the main indicators in measuring community welfare. The research method used in writing this article is library research or literature study. The research results show that GNP reflects the total value of services and goods obtained by citizens, both inside and outside the country, while GDP only calculates the value of production within a country's geographical boundaries. Furthermore, in considering production factors, GNP measures the total production produced by a country's citizens, both within the country and abroad. Meanwhile, GDP only includes production that occurs within the country itself. In terms of the influence of income from abroad, GNP also takes into account the income earned by citizens from abroad and reduces the income received by foreign citizens residing in the country. In contrast, GDP does not consider the income received by citizens from abroad.
The Role Of Inflation On Economic Stability In An Islamic Economic Perspective Alfin Rahmawan Surya Saputra
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 2 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i2.659

Abstract

This research aims to understand Indonesia's current inflation rate, its impact on purchasing power and economic stability, and the Islamic perspective on inflation and potential policy solutions. This research uses a qualitative approach with a type of literature study by reviewing books, literature, records, and reports related to the problem to be solved. The study found that Indonesia's inflation rate has fluctuated over the past four years, and has recently shown a downward trend due to falling prices in certain sectors. The predicted inflation rate at the end of 2024 is 2.4%. Inflation can directly affect purchasing power, with rising inflation eroding people's ability to purchase goods and services. This, in turn, impacts economic stability. Islamically, stabilizing the prices of basic necessities and equitable distribution of wealth are key to controlling inflation and maintaining economic stability. For Indonesia, the government should continue to implement policies to manage factors that affect inflation, such as demand, production costs, money supply, energy prices, and taxes.
PEMANFAATAN DISTRIBUSI HARTA DALAM KONSEPSI KEADILAN EKONOMI ISLAM MELALUI ZAKAT Dadang Heru Jatmiko
Al-Hijrah: Journal of Islamic Economics And Banking Vol 2 No 2 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i2.660

Abstract

The concept of economic justice in Islam covers various important aspects such as wealth distribution, fairness in business, and fair management of profits. Unlike capitalist and socialist economic systems, Islamic economics emphasizes the equal distribution of wealth and equal rights for every individual to manage factors of production. In Islam, economic justice aims to achieve common good, avoid economic inequality, and prohibit all forms of exploitation, monopoly, and hoarding of wealth. This system emphasizes the importance of distributive justice, where each individual gets their rights according to the contribution they make without exploiting others. Efforts for socio-economic justice are implemented through policies such as zakat, alms, and fair distribution of wealth, as regulated in Islamic law. In addition, the concept of wealth and consumption in Islamic economics is also regulated by principles that maintain a balance between physical and spiritual needs, as well as between individual and community rights. Islamic economics ensures that every individual has access to the resources and wealth needed for the common good.