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Al Qardhu
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alqardhuiaih@gmail.com
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+6281997683831
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ismayadimataram@gmail.com
Editorial Address
Jl. TGKH M. Zainuddin Abdul Majid No. 134 Pancor, Kec. Selong, Kab. Lombok Timur, Provinsi Nusa Tenggara Barat, 83611
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Kab. lombok timur,
Nusa tenggara barat
INDONESIA
Al Qardhu Jurnal Ekonomi dan Bisnis Islam
Published by Institut Agama Islam Hamzanwadi NW Pancor
ISSN : -     EISSN : 29636469     DOI : https://doi.org/10.37216/alqardhu.v3i01
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Al-Qardhu (Jurnal Ekonomi dan Bisnis Islam) is a scientific peer-reviewed journal published by Institut Agama Islam (IAI) Hamzanwadi, Indonesia. Al-Qardhu: Journal of Economics and Business Islamic is published 2 times every year, on Agust and February. The journal is created for researchers and academics, as well as the public audiences and who has an interest in the scientific repertoire of Islamic Economics, Islamic Banking and Finance, Islamic Accounting, Islamic Business
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 52 Documents
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POTENTIAL FISHERY SECTOR TO THE WELFARE OF THE COMMUNITY IN THE PERSPECTIVE OF MAQASID SYARI'AH: Case Study Of People Around Jobokuto Fish Auction Site In Ujung Batu Village, Jepara City, Central Java Ahmad Lukman Nugraha; Azizah Zawaj
Al-Qardhu Vol. 1 No. 01 (2022): (September) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i01.619

Abstract

Jepara Regency is located at the northern end of Java Island, astronomically Jepara Regency is located between 50 43 ' 20.67 " to 60 47 ' 25.83 " South Latitude and 1100 9 ' 48.02 " to 1100 58 ' 37.40 " East Longitude. The area of fishing area that can be reached by jepara fishermen on the type of pelagic fish covering an area of 1,555.2 Km2, and demersal fish species covering an area of 1,360.8 Km2. Fishery sector is one of the sectors that the government used as one of the potentials to increase economic growth in local, regional or state scale, in the development of fishery sector includes the development of human resources such as fishermen, infrastructure development of fisheries facilities and infrastructure such as fishing ports , Fish Auction Place (TPI) and so on. There are 12 Fish Auction Places in Jepara Regency, one of the largest TPI in Jepara District is TPI Jobokuto. Welfare is measured not only in terms of economy, but from the perspective of sharia maqashid, namely, hifzh al-din, hifzh al-nafs, hifzh al-aql, hifzh al-nasl, and hifzh al-mal. The purpose of this research is 1) To know the role and function of fish auction place to the welfare of the surrounding community who depend on the place of auction of fish Jobokuto: 2) To know the potential of the fishery sector to the welfare of the community around the Fish Auction Place Jobokuto Village Ujung Batu Jepara District Jepara Regency Central Java prespektif maqashid syari'ah. This research method uses qualitative research method approach, using qualitative descriptive method, with case study model. data collection techniques through observation, interviews, and dokumetasi. Data analysis techniques use data reduction, data presentation, and inference. The results of this study that: 1) researchers found that the role and function of TPI for the surrounding community, has not been fully implemented properly and still lacks efficiency in its implementation; 2) The concept of Maqashid Syari'ah has not been fully accepted by the individual community around TPI Jobokuto in Ujung Batu.
PENGARUH FDR DAN ROA TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH BANK SYARIAH DI INDONESIA Rizka Nur Wahyuni; Ferry Khusnul Mubarok; Rofiul Wahyudi
Al-Qardhu Vol. 1 No. 01 (2022): (September) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i01.620

Abstract

This study aims to determine the effect of FDR and ROA on the rate of profit sharing on mudharabah deposits at Islamic banks in Indonesia. The population in this study are commercial banks registered with the Financial Services Authority (OJK) and Bank Indonesia (BI). Sampling by taking a census. The number of samples used in this study were 8 Islamic commercial banks and their objects were 2016-2018. The test results show that the variable FDR (X1) has a significant positive effect on the rate of profit sharing for mudharabah deposits (Y) and the ROA variable (X2) has a significant positive effect on the rate of profit sharing on mudharabah deposits
ANALISIS PENGARUH KEMISKINAN DAN PENGANGGURAN TERHADAP TINGKAT INDEKS PEMBANGUNAN MANUSIA DI PROVINSI NUSA TENGGARA BARAT TAHUN 2011-2020 Muhammad Masruron
Al-Qardhu Vol. 1 No. 01 (2022): (September) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i01.621

Abstract

This study aims to determine the effect of poverty and unemployment on the level of the human development index in West Nusa Tenggara Province in 2011-2020. The method used in this research is descriptive quantitative with multiple regression analysis with the help of SPSS Ver. 20. Multiple regression can be seen from the partial, simultaneous and determination tests. The results of this study indicate that the poverty variable has a negative and significant effect on the level of the human development index in the Province of NTB in 2011-2020, while the unemployment variable has a negative and significant effect on the level of the human development index in the Province of NTB in 2011-2020. The results of the F test prove that all independent variables (poverty and unemployment) have a negative and significant effect on the level of the human development index in NTB. It is proven that the value of Fcount is greater than the value of Ftable (185.229 > 3,288) by using a significance limit of 0.05 (5%). Islam gives views on unemployment, including awareness of every Muslim, seeking opportunities, availability of public facilities, facilitating licensing, eradicating mafia, utilizing resources and establishing friendship. Likewise with poverty, Islam advises not to be lazy, not stingy, always give charity, infaq and zakat, be frugal.
KONSEP KARTU KREDIT (BITHAQAH I’TIMAN) SEBAGAI ALAT PEMBAYARAN DALAM EKONOMI ISLAM Mujiatun Ridawati
Al-Qardhu Vol. 1 No. 01 (2022): (September) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i01.622

Abstract

This article discusses the concept of a credit card as a means of payment in Islamic law. There are two main problems studied, namely (1) the conception of Shariah credit cards (alternatives) in Sharia Banking that can accommodate the needs of the community that are appropriate and do not conflict with Islamic Sharia; (2) the opinion of the scholars regarding the use of credit cards. The two problems were studied using a library approach by using books, magazines, journals and several other scientific works as primary sources. After conducting research, the authors found that Islamic credit cards can only be accessed for transactions on goods that have been determined with halal criteria. There are several opinions of scholars regarding the law on the use of credit cards related to the problems above. There are scholars who allow and there are also those who forbid based on their respective foundations. The MUI National Sharia Council stated that the use of sharia credit cards is allowed as long as it fulfills the provisions, and if it violates these provisions, the law will become illegal.
DETERMINAN KEPUTUSAN BERKUNJUNG KE RESTORAN HOTEL BERSERTIFIKASI HALAL DI KOTA MATARAM NTB Rosida Rusmiati
Al-Qardhu Vol. 1 No. 01 (2022): (September) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i01.623

Abstract

Indonesia has a great potency in the development of Halal Tourism Destination, Moslem Friendly Tourism Destination and Sharia Tourism. The existence of these terms is the answer for the negative view and the unproductiveness of tourism sector particularly for the national or international Moslem travelers. In fact, such tourism is a part of the need of human life. The potency of the halal tourism industry must be supported by developing more halal certified hotel restaurants that in this case becomes the preference not only for the Moslems but also for the non-Moslems in consideration to that the halal food must be healthy. Many products that have no halal certificate has led the customers, particularly the Moslem customers find it difficult to differentiate which products that are really halal and can be consumed in accordance with the Islam law. This research aims to observe the determining factor and the most dominant factors in the decision of customers to visit the halal certified hotel restaurants in Mataram City, NTB. The research method was conducted qualitatively with the doubled regression model and analysis of Ordinary Lease Square (OLs). The result of this research showed that the independent variables (religion, personality, and psychology) had a significantly positive impact on the dependent variables (decision of customers to visit the hotel restaurant in Mataram City, NTB). The dominant factor determining the customers to visit the halal certified hotel restaurant included the personal, religious and psychological factors. Meanwhile, the most dominant factor was the personal factor with the level of the significantly positive impact (t count of 5.911, Sig t:0.00) on the dependent variables obtaining the value of R² 0.9 meaning that 49.4% independent variable in this research was impacted by the factors in this research. On the other hand, the rest of it (50.4%) was influenced by other factors outside this research.
PERAN LAZ DASI NTB DALAM PENDISTRIBUSIAN ZAKAT UNTUK MUSTAHIQ LALE KIRANA IKA PANDINI
Al-Qardhu Vol. 1 No. 02 (2023): (Februari) JURNAL AL-QARDHU
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i02.867

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana peran LAZ DASI NTB dalam pendistribusian zakat kepada masyarakat yang wajib menerima zakat (mustahiq), dan bentuk pendistribusian LAZ DASI NTB untuk mustahik. Penelitian ini merupakan penelitian kualitatif yang bersifat deskriptif. Data awalnya mengenai teori pendistribusian Lembaga Amil Zakat yang penyaluranya kemana dan apa saja bentuk pendistribusiannya pada mustahiq. Kemudian dianalisis apakah sudah sesuai dengan faktor-faktor yang menjadi tepat tidaknya LAZ DASI NTB mengelola dana zakat yang diperoleh atau dimilikinya dari Muzaki untuk Mustahiq. Maka berdasarkan hasil analisis peneliti yang dilakukan tersebut dapat diketahui bahwa, LAZ DASI NTB tersebut sudah bagus dan tepat dalam pendistribusiannya untuk Mustahiq. Kemudian sudah sesuai dengan apa yang telah di ajarkan dalam Al-Qur’an dalam surat At-Taubah ayat 60 dan juga sudah ditetapkan dalam peraturan badan amil zakat nasional nomor 3 tahun 2018 dimana zakat yang didapatkan dari muzaki dapat di distribusikan kepada delapan golongan mustahiq yang berhak menerima zakat. Kemudian dalam hasil analisis bentuk pendistribusian yang dilakukan oleh LAZ DASI NTB juga sudah sesuai dengan ketentuan peraturan yang dibuat oleh BAZNAS dalam peraturan badan amil zakat nasional republik indonesia nomor 3 tahun 2018 tentang pendistribusian dan pendayagunaan zakat.
SEJARAH PENCETAKAN UANG DINAR, DIRHAM, DAN UANG KERTAS DALAM LINTAS SEJARAH Muhammad Haris Hidayatulloh
Al-Qardhu Vol. 3 No. 01 (2024): (September) JURNAL AL-QARDHU
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i01.868

Abstract

Uang merupakan alat tukar yang sah, yang digunakan oleh setiap masyarkat untuk melakukan transaksi, uang juga sudah ada ketika sebelum datangnya islam, uang bukan hanya terbuat dari kertas, tetapi dari dinar dan dirham, perkembangan pencetakannya terus berkembang seiring masa pemerintahan khalifah, dinasti dan sesudahnya. Adapun tujuan dari penulisan ini adalah untuk mengetahui sejarah pencetakan uang secara pasti. Metedologi yang digunakan adalah kepustakaan. Penulisan ini menemukan bahwa telah ditetapkannya secara sah uang kertas sebagai Alat tukar yang digunakan oleh manusia di seluruh dunia.
‘Urf: Medinan’s Tradition as a Shari'a Business Law Ahmad Lukman Nugraha; Muhammad Abdul Aziz; Miftahul Huda
Al-Qardhu Vol. 1 No. 02 (2023): (Februari) JURNAL AL-QARDHU
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i02.993

Abstract

This paper aims to define 'urf and its foundations in the Qur'an and Hadith as well as the implementation of the 'urf method in islamic business. The research method used in this paper is qualitative with a normative juridical approach. The findings in this paper are that the Qur'an and hadith underlie the use of 'urf as a islamic business solution which certainly does not conflict with existing texts. 'Urf is often applied in sharia business through aspects of business transactions, profit taking from sellers of goods and services, and determination of wages. 'Urf can be applied in sharia business with several conditions, namely: 1) The business tradition does not conflict with the texts, (2) the business tradition is long-term, (3) the business tradition is known to the general public, (4) the business tradition is innovative according to space and time
Abu Ubaid's Thoughts On Taxes and Zakat: Relevance Approach In Indonesia Miftahul Huda; Bunga Wahyu Santika; Dian Septi Purnamasari; Ahmad Lukman Nugraha
Al-Qardhu Vol. 1 No. 02 (2023): (Februari) JURNAL AL-QARDHU
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i02.994

Abstract

This researcher discusses Abu Ubaid's concept of thinking about Taxes and Zakat, and its relevance to be providing solutions to the level of community welfare. Indonesia as a country with Muslim as a majority on his population, has a high potential for collecting zakat and be any of sources the state income. This study aims to examine more deeply the concept of public finance, especially regarding zakat and taxes from Abu Ubaid's perspective, and examine public finance in Indonesia. The method used is qualitative with a library study approach or library research, the primary source used in this study is the book of Al Amwal by Abu Ubaid. The results from this analysis is Abu Ubaid's concept of jizyah, kharaj, ushr, and various kinds of zakat being the solution and the concept of public finance, such he has described in Al Amwal's book. Researchers also try to analyze the tax concept that exists in Indonesia and the current contemporary zakat system. There are several things that can be concluded in this study that the capitalist system with various kinds of taxes applied in Indonesia it's been quite burdensome for the community, and the concept of zakat and its contemporary implementation become the solution for community welfare. Good management and funds are required and needed for zakat improvement.
DAMPAK PEMAFAATAN DANA PRAKERJA DALAM MEMBANGUN EKONOMI MASYARAKAT DI DESA BAGIK PAYUNG SELATAN Hikmatul Hidayati Mz
Al-Qardhu Vol. 1 No. 02 (2023): (Februari) JURNAL AL-QARDHU
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v1i02.995

Abstract

Pengangguran merupakan salah satu masalah yang di hadapi pemerintah di Indonesia. Apalagi dimasa pandemi covid-19 saat ini membuat banyak masyarakat yang kehilangan pekerjaannya. Terbatasnya aktifitas masyarakat membuat mereka menjadi pengangguran. Masyarakat tidak tau apa yang harus dilakukan. Oleh sebab itu pemerintah berupaya menyelesaikann permasalahan ini dengan segera. Salah satu upaya pemerintah yakni dengan cara mengadakan program kartu prakerja. Program kartu prakerja ini menjadi langkah awal pemerintah dalam rangka mengurangi dampak covid-19. Covid-19 berdampak pada semua kalangan, dari yang miskin sampai yang kaya. Meskipun masyarakat mendapatakan kartu prakerja, namun masih banyak masyarakat yang bingung harus memulai dari mana dan bagaimana mereka harus bekerja. penelitian ini bertujuan untuk mengkaji dampak pemanfaatan dana prakerja pada masyarakat desa bagik payung selatan. Penelitian ini menggunakan metode Penelitian lapangan (field research) yakni penelitian yang dilakukan secara intensif, terperinci dan mendalam terhadap suatu objek tertentu dengan mempelajarinya sebagai contoh kasus. Hasil penelitian ini menunjukkan bahwa dampak pemafaatan dana prakerja di desa bagik payung Selatan masih kurang maksimal. Hal ini berdasarkan realisasi data penerima dana program kartu prakerja. Dimana masyarakat yang mendapatkan kartu prakerja sebagian besar mengambil manfaat terlebih dahulu sebelum dana itu cair dan sebagian kecil dari mereka yang membuka usaha itu pun hanya berjualan pulsa, jadi belum sesuai dengan tujuan program kartu prakerja itu sendiri.

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