cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Al Qardhu
Contact Email
alqardhuiaih@gmail.com
Phone
+6281997683831
Journal Mail Official
ismayadimataram@gmail.com
Editorial Address
Jl. TGKH M. Zainuddin Abdul Majid No. 134 Pancor, Kec. Selong, Kab. Lombok Timur, Provinsi Nusa Tenggara Barat, 83611
Location
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
 2   3   4   5   6 
BUSINESS CAPITAL AND LABOR AFFECT TOBACCO FARMERS' INCOME IN KABAR VILLAGE, EAST LOMBOK Jalil, Muh. Rabbul
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.v3i01.1640

Abstract

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.
ANALYSIS OF PRODUCT INNOVATION MODELS IN INCREASING CUSTOMER INTEREST IN BMT TUNAS HARAPAN SYARIAH Sapwan, Muhammad
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.
Analisis Perbandingan Motivasi dan Etos Kerja Pedagang Rantau Dengan Pedagang Lokal (Studi Kasus Kec. Selong Kabupaten Lombok Timur) Safi'i, Muh. Safi'i; Nurudin, Ayuddin
Al-Qardhu Vol. 2 No. 2 (2024): (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.v2i2.1963

Abstract

Motivation is a factor that can encourage individuals to do certain activities. While Work Ethic emphasizes that creative work is one source of happiness and achievement. Hard work is considered a virtue so that a trader who does his job with hard work and high spirits is likely to progress in his life, conversely if someone does not work hard in completing his work, his life is likely to fail. This study aims to determine the motivation and work ethic and analyze the differences between migrant traders and local traders. The method used in this study is a descriptive qualitative approach. The data in this study were obtained through observation, interviews and data documentation, then analyzed by reducing the data, presenting and drawing conclusions. The conclusions of this study are as follows: 1.) The main motivation of migrant traders and local traders in working is to meet the needs of themselves and their families. In addition to family motives, the motivation of migrant and local traders in running their businesses is to improve the level of family welfare and raise their standard of living. This can be seen from how to respond to the high and low levels of the number of consumers who choose to shop at their stalls and the level of income they earn. 2.) A good work ethic among fellow traders can provide a positive influence on a healthy work environment so that business competition between traders is not too obvious. In relation to the work ethic between local traders and migrant traders in Pancor Village, a good work ethic can provide comfort so that it can affect the level of productivity.
Implementasi Nilai-Nilai Adat dan Kearifan Lokal Dalam Tradisi Banjar Sebagai Instrumen Pemberdayaan Ekonomi Masyarakat di Desa Monggas Lombok Tengah Evi Listiana, Evi Listiana; Marjan
Al-Qardhu Vol. 2 No. 2 (2024): (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.v2i2.1964

Abstract

Penelitian ini dilatar belakangi oleh salah satu tradisi yang masih dijalankan oleh masyarakat Desa Monggas yakni tradisi banjar. Tradisi ini tidak hanya mencerminkan identitas kultural yang kaya, tetapi juga memiliki potensi besar untuk menjadi instrumen pemberdayaan ekonomi masyarakat di desa Monggas. Di tengah arus globalisasi dan modernisasi, keberlanjutan tradisi banjar dan implementasi nilai-nilai adat serta kearifan lokal dalam kehidupan sehari-hari menjadi krusial untuk mempertahankan keunikan kultural dan mengoptimalkan potensi ekonomi lokal. Tujuan penelitian ini adalah untuk mengkaji peran kelompok banjar sebagai modal sosial dalam meningkatkan kesejahteraan ekonomi masyarakat di desa Monggas. Metode yang digunakan dalam penelitian ini adalah metode penelitian kualitatif. Teknik pengumpulan data dalam penelitian ini menggunakan observasi, wawancara, dan dokumentasi. Adapun dalam menganalisis data menggunakan tahap reduksi data, tahap penyajian data, dan tahap verifikasi data atau penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa implementasi nilai-nilai adat dan kearifan lokal dalam tradisi banjar memainkan peran sentral dan berkontribusi positif terhadap pemberdayaan ekonomi masyarakat di desa Monggas. Nilai-nilai seperti gotong royong, kebersamaan, dan tanggung jawab sosial menjadi landasan kuat bagi kolaborasi dalam pengembangan usaha ekonomi lokal. Tradisi banjar menjadi perekat sosial yang kuat dalam komunitas desa Monggas. Melalui berbagai kegiatan sosial dan norma yang diwariskan, tradisi banjar menciptakan ikatan kebersamaan yang erat di antara warga desa. Hal ini menjadi dasar bagi terbentuknya jaringan sosial yang kuat, memperkuat rasa saling percaya dan keterlibatan dalam kegiatan ekonomi bersama. Sehingga tradisi banjar bukan hanya warisan budaya, tetapi juga modal sosial yang dapat diaktifkan untuk membentuk masyarakat yang lebih tangguh secara ekonomi.
Pengaruh Zakat Infak Sedekah (ZIS) dan Indeks Pembangunan Manusia (IPM) Terhadap Pertumbuhan Ekonomi di NTB Tahun 2018-2022 Virda, Virda noviyanti; Ismayadi
Al-Qardhu Vol. 2 No. 2 (2024): (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.v2i2.1965

Abstract

improve people's standard of living and encourage distribution and changes in income. In economic growth, there are several factors that influence growth itself. This study aims to analyze the effect of ZIS (Zakat, Infak and Sedekah) and IPM (Human Development Index) on the economic growth of NTB Province (West Nusa Tenggara) in 2018-2022. The method used is the classical assumption test and multiple regression analysis with the help of the SPSS version 26.0 program to obtain a comprehensive picture of the relationship between one variable and another. The sample in this study consisted of 10 cities/regencies in NTB Province during 2018-2022. The data used in this study is secondary data from the National Zakat Agency (BAZNAS) of NTB Province, for data on the distribution of ZIS funds, IPM, and economic growth sourced from the Central Statistics Agency of NTB Province from 2018-2022. The results of the study indicate that the ZIS variable does not have a significant effect on Economic Growth partially while the HDI has a significant effect on Economic Growth partially. The results of the simultaneous regression analysis obtained that the estimated linear regression model is feasible to be used to explain the effect of ZIS and HDI on Economic Growth.
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) 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.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) 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.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) 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.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.
Efektivitas Layanan Transaksi Qris Pada Pelaku UMKM di Bank NTB Syariah KC Selong fathurrazak, Fathurrazak; Hidayati MZ, Hikmatul; Jois Erlina, Baiq
Al-Qardhu Vol. 3 No. 2 (2025): (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.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.
Implementasi Infak Produktif Dalam Pengembangan Ekonomi Keluarga (2020-2021) Di BMT Al-Hidayah, Kotaraja Muhammad Iswandi, Lalu; Hasanah, Hidayatul
Al-Qardhu Vol. 2 No. 2 (2024): (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.v2i2.2439

Abstract

This research is motivated by the fact that the economic crisis experienced by the Indonesian nation has increased the number of poor people. Their number has increased over time along with the current decline in the national economic conditions. One effort to improve the economic welfare of the community is to maximize the potential of institutions that have been regulated by Islamic teachings, such as zakat, infak, and shadaqah. The purpose of this study is to determine the effect of productive infak on building the local economy. The data collection method is carried out using 3 methods that are often used in qualitative research for data collection, namely observation, interviews and documentation. The data obtained is then processed by collecting research data through three stages, including the preliminary stage, the filtering stage and the stage of completing data that is still lacking. The methods used are increasing perseverance, triangulation and open discussion. The data analysis in this study uses the stages of data collection, data reduction, data presentation and drawing conclusions. The results of the study indicate that the management of productive alms at BMT Al-Hidayah Kotaraja is good and has been in accordance with sharia provisions, so that the productive alms funds at BMT Al-Hidayah are felt to be beneficial by the community, especially the recipients of productive alms assistance funds as the purpose of BMT in improving physical and spiritual welfare is implemented without an interest system in BMT providing various assistance and training as well as providing business financing for small entrepreneurs. So that they are able to run independently and can open up job opportunities for the people, especially recipients of productive alms assistance funds, this explains that there is an influence of the Implementation of Productive Alms in developing the family economy

Page 5 of 6 | Total Record : 52

 2   3   4   5   6 

Filter by Year

2022 2025


Reset
Filter By Issues
All Issue Vol. 3 No. 2 (2025): Februari Vol. 3 No. 2 (2025): (Februari) Jurnal Al-Qardhu Vol. 3 No. 01 (2024): (September) JURNAL AL-QARDHU Vol. 2 No. 2 (2024): (Februari) Jurnal Al-Qardhu Vol. 2 No. 01 (2023): (September) JURNAL AL-QARDHU Vol. 1 No. 02 (2023): (Februari) JURNAL AL-QARDHU Vol. 1 No. 01 (2022): (September) Jurnal Al-Qardhu