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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
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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,
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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 5 Documents
 1 
Search results for , issue "Vol. 3 No. 2 (2025): Februari" : 5 Documents clear
Pengaruh Tingkat Pendidikan dan Dummy Penggunaan Mesin Panen Padi (Combine Harvester) Terhadap Pendapatan Petani di Kec. Praya Barat Daya Kab. Lombok Tengah Afifudin, Afifudin; Fitriani, Rizka
Al-Qardhu Vol. 3 No. 2 (2025): Februari
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i2.1985

Abstract

The thesis entitled "The Influence of Education Level and the Dummy for Using a Rice Harvesting Machine (Combine Harvester) on Farmers' Income in Praya Barat Daya District, Central Lombok Regency" is research that aims to find out whether the Educational Level and the Dummy for Using a Rice Harvesting Machine (Combine Harvester) have a significant effect. partial and simultaneous impact on Farmer Income. This research uses quantitative methods with a descriptive approach. The data collection technique was carried out by distributing questionnaires. The population in this study was 858.42 farmers in Praya Barat Daya District, and the sample used in this study was 90 respondents. The analytical method used in this research is multiple linear regression analysis. Data analysis was carried out using an analysis tool, namely SPSS. The research results show that in the t test (partial), (1) the Education Level variable (X1) has a positive and significant effect on Farmer Income (Y). (2) The Dummy Combine Harvester variable (X2) has a positive and significant effect on Farmer Income (Y). The variables Education Level (X1) and Dummy Combine Harvester (X2) simultaneously influence Farmer Income (Y) in Praya Barat Daya District, Central Lombok Regency. Keywords: Education Level, Use of Combine Harvester, Farmer Income..
Zakat dan Pajak Analisis Prinsip Keadilan Menurut Dr. Yusuf Qardawi SITI RAIHANUN
Al-Qardhu Vol. 3 No. 2 (2025): Februari
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i2.1989

Abstract

Para ahli ekonomi Islam kontemporer berlomba-lomba dalam menterjemahkan makna keadilan dalam distribusi maupun pemungutan zakat, dimana hal ini juga dikaitkan dengan kewajiban seorang muslim dalam membayar pajak dan zakat dalam waktu yang bersamaan, Yusuf Qardawi dalam bukunya yang berjudul Fiqhuzzakah membahas tuntas tentang prinsip keadilan dalam pemungutan zakat bagi para muzakki, yang sebelumnya terlebih dahulu disampaikan oleh Adam Smith dalam teori “The Four Maxims” dalam buku The Wealth Of Nation tentang prinsip dalam pemungutan pajak dengan asas keadilan, kepastian, kelayakan, dan factor ekonomis. Metode yang gunakan dalam penelitian ini adalah metode pendekatan kualitatif dengan menggunakan data primer dan sekunder dengan tekhnik analisis isi (content analysis). Penelitian ini menunjukkan prinsip-prinsip dalam pemungutan zakat dan .
Efektivitas Implementasi Penggunaan Quick Response Indonesian Standard (QRIS) Pada Usaha Mikro Kecil dan Menengah (UMKM) di Kelurahan Jempong Baru Samahudin, Samahudin
Al-Qardhu Vol. 3 No. 2 (2025): Februari
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i2.2007

Abstract

This study was conducted with the aim of determining the implementation of the use of QRIS (Quick Response Indonesian Standard) and the effectiveness of the use of QRIS (Quick Response Indonesian Standard) in MSMEs (Micro, Small and Medium Enterprises) in Jempong Baru Village. The development of technology that continues to grow day by day so that people must be able to adapt quickly to these changes. One of the developments that must be followed by the community is online or non-cash payments. The presence of the QRIS application is one way to facilitate payment transaction activities in business activities. This is what MSMEs in Jempong Baru Village then tried to implement. The method used in this study is to use a descriptive qualitative approach, data collection through interviews, observation and documentation. Data analysis was carried out using a data reduction analysis model, data presentation and conclusions/verification. The results of the study show that the implementation of the use of QRIS (Quick Response Indonesian Standard) in Jempong Baru Village is quite effective, this is because the implementation of non-cash payments is very useful and can be understood by the local community and the cause of many MSMEs in Jempong Baru Village implementing the system is because the transaction process is very effective, easy, fast and safe. Keywords: Effectiveness, Implementation, QRIS, MSMEs.
Efektivitas Layanan Transaksi QRIS Pada Pelaku UMKM di Bank NTB Syariah KC Selong fathurrazak, Fathurrazak; Hikmatul Hidayati MZ; Baiq Jois Erlina
Al-Qardhu Vol. 3 No. 2 (2025): Februari
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i2.2025

Abstract

This study is entitled Effectiveness of QRIS Transaction Services for MSMEs at BANK NTB Syariah KC Selong, the purpose of this study is to determine the application of digitalization to the QRIS system and to determine the effectiveness of the digitalization system for MSMEs with QRIS transactions. The approach used in this study is a qualitative descriptive approach. The descriptive approach is a study to determine facts with the right interpretation to recognize phenomena and to describe or accurately describe the characteristics of several phenomena, groups or individuals that are occurring. Data processing is a process that changes raw data into useful and easily accepted information. Data processing techniques are a series of steps or processes carried out to organize, clean, analyze, and interpret data collected in the study. Based on the results of the research and analysis that have been presented above, the researcher concludes that the QRIS service at Bank NTB Syariah KC Selong is a QRIS mobile application service provided by the bank that can be used by users or merchants to serve non-cash transactions by customers and non-customers of Bank NTB Syariah KC Selong. 1. The implementation of QRIS transactions based on a SWOT analysis of the QRIS transaction service at Bank NTB Syariah KC Selong shows that the implementation of the QRIS service at Bank NTB Syariah KC Selong has strengths such as complete application features, no administration fees, fast and easy transactions, and meets all transaction needs. However, it also has weaknesses such as transaction limits, registration can only be done at the office, only for users domiciled in NTB, and lack of socialization about the QRIS service. There are opportunities in this QRIS service which include, a fairly wide marketing coverage, the rapid growth of MSMEs in NTB, a comparison of the number of young people who are more than the old age in NTB, and strong support from the government. And this QRIS service has threats including, competition, limited information, old-fashioned people's mindsets, and internet networks that are still lacking. 2. The effectiveness of the QRIS transaction service for MSME actors through the QRIS transaction at Bank NTB Syariah KC Selong, namely it is said to be effective for MSME actors because it has several indicators such as ease of use, transaction security and being able to track sales. Then it is said to be ineffective for UMKM actors using the QRIS service of Bank NTB Syariah KC Selong because of several indicators such as technological accessibility, lack of public knowledge and understanding of QRIS and customer preferences. Keywords: QRIS, Effectiveness, Service, UMKM and Bank NTB Syariah
Analisi Pengaruh Kualitas Produk dan Daya Saing Produk Dalam Meningkatkan Nilai Penjualan Dalam Industri Anyaman Ketak (Studi Kasus di Dusun Nyiurbaya Gawah Kec. Lingsar) Mala, Mala Vinuzia; Muhammad Masruron; Patisa Ilyana
Al-Qardhu Vol. 3 No. 2 (2025): Februari
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v3i2.2049

Abstract

This study aims to analyze the effect of product quality and product competitiveness on sales value in the ketak woven industry in Nyiurbaya Village, Lingsar District. There are three formulations of the problem studied: (1) the effect of product quality significantly on sales value, (2) the effect of product competitiveness significantly on sales value, and (3) the effect of product quality and product competitiveness significantly on sales value. The method used in this study is multiple linear regression analysis. The results of the partial test (T test) show that the product quality variable (X1) has a significant value of 0.00, <0.05, with a t-count of 7.040> t-table 1.991, so that product quality has a significant effect on sales value. The product competitiveness variable (X2) also shows a significant value of 0.00, <0.05, with a t-count of 6.169> t-table 1.991, so that product competitiveness also has a significant effect on sales value. The results of the simultaneous test (F test) show that the significant value is 0.00 <0.05 with an F-count of 40.489> F-table 3.12, which means that product quality and product competitiveness together have a significant effect on sales value. The coefficient of determination (R²) value of 0.513 indicates that 51.3% of the variation in sales value can be explained by product quality and competitiveness, while the rest is influenced by other factors not included in this study. Keywords: Product Quality, Product Competitiveness, Sales Value, Ketak Woven

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