Al Qardhu Jurnal Ekonomi dan Bisnis Islam
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
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52 Documents
<![CDATA[PERKEMBANGAN OBLIGASI SYARI’AH (SUKUK) DI INDONESIA ]]>
<![CDATA[Mujiatun Ridawati]]>
<![CDATA[ Al-Qardhu Vol. 1 No. 02 (2023): (Februari) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v1i02.996
<![CDATA[Pasar modal adalah kegiatan yang berkaitan dengan penawaran umum dan perdagangaan efek, perusahaan public yang berkaitan dengan efek yang diterbitkan nya serta lembaga dan profesi yang berkaitan dengan efek. Kebanyakan masyarakat ingin bergelut dalam dunia pasar modal yaitu masyarakat yang kelebihan pendapatan yang dialokasikan untuk konsumsi. Sehingga kelebihan tersebut akan digunakan untuk menabung atau investasi pada pasar modal. Salah satu instrument pasar modal yaitu obligasi. Seiring dengan berkembangnya zaman, maka obligasi saat ini ada yang berprinsip Islam. Atau yang dinamakan dengan Obligasi Syariah. Menurut Undang-Undang Surat Berharga Syariah Negara (SBSN) sukuk adalah surat berharga yang diterbitkan berdasarkan prinsip syariah, sebagai bukti atas bagian penyertaan terhadap aset SBSN, baik dalam mata uang rupiah maupun valuta asing. Pihak yang menerbitkan sukuk negara adalah badan hukum yang didirikan berdasarkan ketentuan undang-undang untuk menerbitkan sukuk. Asetnya adalah barang milik negara yang memiliki nilai ekonomis yang dijadikan sebagai dasar penerbitan sukuk Negara. Di Indonesia, pasar keuangan syariah termasuk sukuk tumbuh dengan cepat, meskipun porsinya dibandingkan pasar konvensional masih relatif sangat kecil. Untuk keperluan pengembangan basis sumber pembiayaan anggaran negara dan dalam rangka pengembangan pasar keuangan syariah dalam negeri, pemerintah telah mengesahkan RUU tentang Surat Berharga Syariah Negara (SBSN). UU SBSN tersebut akan menjadi legal basis bagi penerbitan dan pengelolaan sukuk negara. Sukuk merupakan salah satu instrumen investasi yang memberikan peluang bagi investor muslim dan non-Muslim untuk berinvestasi di Indonesia. Sehingga, sukuk dapat dimanfaatkan untuk membangun perekonomian bangsa dan menciptakan kesejahteraan masyarakat. Fakta selama ini menunjukkan bahwa pasar akan sangat responsif terhadap penerbitan sukuk. Hampir semua sukuk yang diterbitkan, diserap habis oleh pasar, bahkan pada beberapa kasus menimbulkan kelebihan permintaan. Salah satu inisiatif strategis yang perlu segera dijalankan dalam upaya meng- optimalkan peluang pengembangan instrumen sukuk ini adalah melakukan sosialisasi dalam rangka memberikan pemahaman kepada masyarakat luas tentang keberadaan sukuk dengan melibatkan banyak pihak seperti praktisi, pengamat, akademisi, dan ulama di bidang ekonomi Islam.]]>
<![CDATA[REVIEW OF ISLAMIC FINANCIAL MANAGEMENT ON THE MANAGEMENT OF RESOURCES OF FUNDS IN BMT AL-HASAN MITRA UMMAT: : Study of Effectiveness, Efficiency and Accountability ]]>
<![CDATA[Zamroni Alpian Muhtarom]]>
<![CDATA[ Al-Qardhu Vol. 1 No. 02 (2023): (Februari) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v1i02.1005
<![CDATA[This paper discusses the review of Islamic financial management on the management of sources of funds at BMT Al-Hasan Mitra Ummat. In this article, the authors examine three scopes, namely effectiveness, efficiency and accountability in the management of financial resources. To obtain data regarding the main theme, the authors use field research methods and rigorous and mathematical validation methods. After going through lengthy research, the authors found that from 2018-2020 the results of the service operational cost ratio show very efficient and efficient. Then the fixed asset ratio and service efficiency ratio both show less efficient criteria. The effectiveness of the working capital turnover ratio at BMT Al-hasan Mitra Ummat from 2018-2019 the ratio is ≥5.3 with a value of 100 and in 2020 the ratio is 2.5 to <3.5 with a value of 75 This indicates that the turnover of working capital is very effective and effective. Meanwhile, in terms of Return On Assets (ROA) of BMT Al-hasan Mitra Ummat from 2018-2020. Where in 2018 the total Return On Assets (ROA) was 20.31% at the ROA level ≥ 10% with an assessment of 100 and very effective. In 2019 the Return On Assets (ROA) of 2.1% is at the ROA level of 1% to <3% with an assessment of 25 and less effective criteria. In 2020 the Return On Assets (ROA) of -1.7% is at the ROA level ≤ 1% with a rating of 0 and the criteria are not effective. In the Accountability of the BMT Al-hasan Mitra Ummat cooperative in presenting financial statements it has not met the listed Financial Accounting Standards for Entities Without Public Accountability (SAKETAP).]]>
<![CDATA[PRACTICE OF BUYING AND SELLING BARTERING VEGETABLES WITH KITCHEN SPICES IN ISLAMIC ECONOMY ]]>
<![CDATA[Eny Widiaty]]>;
<![CDATA[Hendri Saleh]]>
<![CDATA[ Al-Qardhu Vol. 2 No. 01 (2023): (September) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v2i01.1115
<![CDATA[The background of this article is that several farmers and planters in Dasan Bawak Hamlet, Lelede Village, made barter transactions which must be further studied whether these transactions are in accordance with religious law. The purpose of this thesis is to find out how the practice of buying and selling goods for goods in Dusun Dasan Bawak is carried out and to find out how Islamic law analyzes the practice of bartering that occurs in Dusun Dasan Bawak. The results of this study concluded that the practice of buying and selling goods for goods (barter) that occurred in Dasan Bawak Hamlet, between the owner of the goods and the buyer did not hand over the goods directly and there was no clarity and agreement between the two in the type, quantity and size of the goods to be purchased. there will be bartering and there will be no time constraints on both parties and there is a sense of loss that is often experienced after bartering. One of the causes is that the number and type of goods that have been bartered do not match the size of the goods that have been taken by the buyer from the seller's field, so that the seller feels a loss due to the discrepancy. As for buyers who will sell these goods to the market, sometimes these goods do not sell well so that buyers who will sell goods feel at a loss because the goods must still be paid for with other goods, and also due to ambiguity, loss and a bit of compulsion. This problem is the cause of illegal barter buying and selling transactions that occurred in Dasan Bawak Hamlet because they did not fulfill some of the pillars and conditions of buying and sellingeven though there was a mutual feeling of letting go between the two until now this transaction is still being carried out to help meet the needs of life and the world of marriage. for mothers in Dasan Bawak Hamlet.]]>
<![CDATA[THE ROLE OF WOMEN IN THE POTTERY BUSINESS TO IMPROVE THE FAMILY ECONOMY IN EAST MASBAGIK VILLAGE ]]>
<![CDATA[Septian Hari Putra]]>
<![CDATA[ Al-Qardhu Vol. 2 No. 01 (2023): (September) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v2i01.1132
<![CDATA[This article examines the role of women in the pottery business in East Masbagik Village. The main issue studied is the extent to which this role can help improve their family's economy. The author uses descriptive qualitative research techniques to interpret and describe data related to the current situation, attitudes and views that occur in society, the conflict between two or more situations, the relationship between variables, differences between facts, the influence on a condition. After going through a series of scientific research, the author found that the role of housewives in improving the economy of their husbands is very helpful in terms of selling the pottery that housewives make which can ease household finances, because the average income of the husbands of mothers who make pottery is not enough to cover expenses. everyday, and never forget her main task, namely as a housewife who takes care of her husband and the needs of their children. The Islamic review of mothers who make pottery craftsmen helping their husbands to earn a living is recommended by Islam because it is stated in the Qur'an and Hadith, besides that permission is obtained from each husband as long as it does not violate Islamic law, for example not open your private parts and avoid buying and selling that smells of usury.]]>
<![CDATA[IMPLEMENTATION OF MURABAHAH AGREEMENTS TO MEET CUSTOMERS' NEEDS REGARDING THE BUYING OF BAITUT TAMKIN LUMBUNG BERSAING ]]>
<![CDATA[Lia Idayani]]>
<![CDATA[ Al-Qardhu Vol. 2 No. 01 (2023): (September) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v2i01.1133
<![CDATA[In this research approach, the author uses a qualitative approach, as for the reason the researcher uses this qualitative approach, it is hoped that the researcher will obtain as much information as possible in the form of concepts, information, impressions and responses to the problems that the researcher is studying so that a clear picture of the Implementation of the Murabah Agreement in Meeting Needs will be seen. Customers Regarding the Buying and Selling of Goods (BTLB Aikmel Unit Case Study. The author can conclude that the implementation of Murabahah financing at Baitut Tamkin, Baitut Tamkin acts as the party that provides financing in the form of goods and members submit applications for financing in purchasing goods. Murabahah products are financing products that most popular with members, where in implementing the Murabahah contract the transaction process is also easier for members to understand, and Baitut Tamkin facilitates financing in buying and selling goods provided to members. Financing carried out at Baitut Tamkin in the form of purchasing goods for members is multi-purpose goods such as (electronic goods, household equipment, procurement of merchandise, basic necessities, raw materials) which do not conflict with Islamic Sharia, for this reason members associated with Baitut Takin. The forms of contracts and convenience in the stages of the financing process provided by Baitut Tamkin to meet members' needs are: Baitut Tamkin provides financing for goods desired by members, Baitut Tamkin purchases the types of goods desired by members, Payment for goods is made in installments in accordance with mutual agreement.]]>
<![CDATA[APPLICATION OF ISLAMIC BUSINESS ETHICS IN RICE BUYING AND BUYING TRANSACTIONS IN TRADITIONAL MARKETS ]]>
<![CDATA[Zaitun Fitri]]>
<![CDATA[ Al-Qardhu Vol. 2 No. 01 (2023): (September) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v2i01.1134
<![CDATA[This article examines the application of Islamic business ethics in traditional markets. The main problem studied is the extent to which traders apply Islamic business ethics in carrying out trade transactions in traditional markets. In this research, researchers used qualitative research methods, namely a research procedure that produces descriptive data in the form of written or spoken words from people and observed behavior. The reason researchers use a qualitative approach is so that they can get as much information as possible, namely in the form of concepts, information, impressions and responses to the problems that researchers are studying so that it will be clear. After conducting long research, the author found that the application of Islamic business ethics cannot be applied by rice traders as business people in the Tanjung market. This can be seen from the answers of buyers and based on the results of observations obtained by researchers, there are still many traders who sell quality rice. poor with good quality rice, and traders also have not provided information if there are defects in the goods sold and have not been able to provide satisfaction with the service and quality of the rice sold to consumers, the lack of friendliness of traders towards buyers.]]>
<![CDATA[THE CONTRIBUTION OF PARKING GUARDS IN IMPROVING FAMILY WELFARE ]]>
<![CDATA[Zalina Fitriani]]>
<![CDATA[ Al-Qardhu Vol. 2 No. 01 (2023): (September) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v2i01.1135
<![CDATA[Pancor Terminal Market is a shopping center and gathering place for sellers and buyers. Buyers who visit will of course use vehicles and will need the services of a Parking Attendant who will help monitor and manage their vehicles. With the parking attendant service, visitors at the Pancor terminal market no longer worry about the vehicles they leave behind. Therefore, the role of the parking attendant is very important, apart from being tasked with maintaining the security of the market environment, the parking attendant also has a big responsibility to support his family's economy in order to achieve family welfare. Prosperity is a condition where a person can fulfill the needs that support a person to live in society and create a sense of security and peace physically and mentally. The research results show that family welfare can be seen from primary, secondary and tertiary needs that can be fulfilled by a family. In this case, the parking attendant contributes to improving the welfare of his family. The welfare of parking attendants after explaining the income earned from work every day, the attendants are classified as prosperous because they are able to meet the family's primary and secondary needs. If you look at the 2020 East Lombok Regency Minimum Wage (UMK), it is IDR. 2,184,197 per month parking attendant wages have met the East Lombok UMK.]]>
<![CDATA[IMPACT OF THE EXISTENCE OF THE MANDALIKA CIRCUIT ON THE COMMUNITY ECONOMY IN KUTA VILLAGE, CENTRAL LOMBOK ]]>
<![CDATA[L. Muhamad Iswandi]]>
<![CDATA[ Al-Qardhu Vol. 3 No. 01 (2024): (September) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v3i01.1632
<![CDATA[This research is motivated by the existence of the Mandalika Circuit which has brought changes to the people of Kuta Village, Pujut District, Central Lombok Regency. This research uses a descriptive-analytic research method that analyzes the data found with data obtained in the field. The method used to obtain data is by using observation, interviews and documentation methods. As well as data analysis using the data reduction stage, data presentation or data display stage and verification or conclusion drawing stage. The results of this research show that the impact of the existence of the Mandalika Circuit on the income of the people of Kuta Village, Pujut District, Central Lombok Regency has had a positive impact on the economy of the people of Kuta Village. Especially for business actors in Kuta Village, they really feel the change in their business income compared to their income before the Mandalika Circuit existed.]]>
<![CDATA[THE INFLUENCE OF LIQUIDITY, SOLVENCY AND EFFICIENCY ON PROFITABILITY AT PT BANK MUAMALAT INDONESIA YEAR 2017-2022 ]]>
<![CDATA[marjan marjan]]>
<![CDATA[ Al-Qardhu Vol. 3 No. 01 (2024): (September) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v3i01.1637
<![CDATA[The aim of this research is to determine the influence of the Financing Deposit Ratio (FDR), Debt Equity Ratio (DER), and Operating Costs Operating Income (BOPO) variables on Return On Assets (ROA) at Bank Muamalat Indonesia in 2017-2022. This research is quantitative research. The type of data used is in the form of quarterly and annual financial reports obtained from the official Bank Muamalat Indonesia website from 2017-2022. The analytical methods used are classical assumption tests, multiple linear regression analysis, hypothesis testing, and coefficient of determination (R2 test). From the research results it can be concluded that based on partial test results (t test), the FDR variable shows that FDR has a positive direction and has a significant influence on ROA. The DER variable shows that DER has a positive direction and does not have a significant effect on the ROA variable. Meanwhile, the BOPO variable has a negative and significant effect on (ROA). Then based on the simultaneous test results (f test), the three variables, namely FDR, DER, and BOPO simultaneously have a significant effect on ROA.]]>
<![CDATA[BUSINESS CAPITAL AND LABOR AFFECT TOBACCO FARMERS' INCOME IN KABAR VILLAGE, EAST LOMBOK ]]>
<![CDATA[Muh. Rabbul Jalil]]>
<![CDATA[ Al-Qardhu Vol. 3 No. 01 (2024): (September) JURNAL AL-QARDHU ]]>
Publisher : <![CDATA[Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia ]]>
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DOI: 10.37216/alqardhu.v3i01.1640
<![CDATA[Tobacco (Nicotiana Tabacum L) is one of the agricultural commodities that has contributed to the economy in Indonesia. Tobacco is a commodity that has important meaning because apart from providing economic benefits, social benefits. The role of tobacco and the tobacco products industry in the socio-economic life of society is state revenue in the form of excise and foreign exchange, providing employment opportunities, as a source of income for farmers, laborers and traders as well as regional income. The aim of this research is, among other things, to determine the effect of business capital and labor on tobacco farming income in Kabar Village, Sakra District, East Lombok Regency. The research method used is quantitative with research data sources from primary and secondary data. Sampling in this research used the Purposive Sampling method, with a sample size of 40 respondents. The data analysis method used simple linear regression to analyze the influence of business capital and labor on farmers' business income. Based on the results of simple linear regression, among others: (1) Business capital has a significant effect on the total business income of tobacco farmers. (2) Meanwhile, labor does not have a significant effect on tobacco farmers' business income.]]>
