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Al Qardhu
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alqardhuiaih@gmail.com
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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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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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ANALYSIS OF PRODUCT INNOVATION MODELS IN INCREASING CUSTOMER INTEREST IN BMT TUNAS HARAPAN SYARIAH Muhammad Sapwan
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.v3i01.1641

Abstract

The aim of this research is to determine the product innovation model in increasing customer interest in BMT Tunas Harapan Syariah. To find out more deeply, what innovation models are used by BMT to increase customer loyalty. Researchers also used qualitative research methods, where the research results showed that the existing innovation model at Tunas Harapan Syariah showed that the procedures and processes were easier. Where customers are pampered by BMT both in terms of service system and so on. There are three products innovated by BMT, such as: education savings, marriage savings, qurban savings. Where in these three products innovation was carried out by providing bonuses which created improvements both in terms of customers and improvements for BMT. The obstacles experienced in innovating products at BMT Tunas Harapan Syariah are the old system so that customers do not know and do not understand the system.
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
PERAN LAZ DASI NTB DALAM PENDISTRIBUSIAN ZAKAT UNTUK MUSTAHIQ KIRANA IKA PANDINI, LALE
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 Hidayatulloh, Muhammad Haris
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 Lukman Nugraha, Ahmad; Abdul Aziz, Muhammad; Huda, Miftahul
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 Huda, Miftahul; Wahyu Santika, Bunga; Septi Purnamasari, Dian; Lukman Nugraha, Ahmad
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.

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