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Suci Reza Syafira
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AL-UJRAH: Jurnal Ekonomi Islam
Published by Sekolah Tinggi Agama Islam Al Akbar Surabaya
ISSN : -     EISSN : 29862205     DOI : https://doi.org/10.62589/alujrah.v2i02.236
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Environmental Science
AL-UJRAH: Jurnal Ekonomi Islam merupakan jurnal akademik yang diterbitkan dua kali dalam 1 tahun (Desember dan Juni) oleh Program Studi Ekonomi Syariah STAI Al Akbar Surabaya. Jurnal ini menerbitkan penelitian orisinal dalam multi konsep, teori, perspektif, paradigma dan metodologi studi ekonomi Islam dimana proses penyuntingan diperlukan tanpa mengubah maksud dan isi tulisan. Ruang lingkup AL-UJRAH: Jurnal Ekonomi Islam adalah (1)Ekonomi Islam; (2) Mu’amalah; (3) Perbankan Syariah; (4) Keuangan Syariah; (5) Hukum Ekonomi Syariah; (6) Ekonomi; (7) Akuntansi; (8) Manajemen. E-ISSN Number : 2986-2205
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 73 Documents
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Strategi Promosi Umroh Plus Bebrbasis Kemitraan Holistik sebagai Upaya Eksistensi Daya Saing KBIH Yuharso Hadi; Lukmansyah Lukmansyah; Ali Machrus
AL-UJRAH Vol 3 No 2 (2025): Juni
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

This research was conducted to address the challenges posed by the rapid development of information technology, which demands tour and travel companies to promote their products in innovative, creative, and effective ways. The impact of this technological advancement is particularly notable in the field of Hajj plus and Umroh, where the "plus" Umroh package, integrating worship activities with Islamic tours, is undergoing development. Consequently, the competition among businesses has intensified, not only in terms of product offerings but also through irrational price competition. considering these circumstances, there is a need to enhance the strategies for the "plus" Umroh package and holistik partnerships. The research employed a qualitative approach, utilizing field research as the primary methodology. Data collection methods included observation, interviews, and documentation. The collected data underwent processes of data reduction, data presentation, and drawing conclusions. Based on the research findings, it was observed that the "plus" pilgrimage package holds superior appeal due to its ability to combine the exploration of Islamic cultural history in each country with the experience of pilgrimage in the holy land. Additionally, the holistik partnership strategy was found to be effective when community leaders with influence and congregations were approached. To further enhance the industry, it is recommended to establish an association organization comprising Hajj plus and Umroh travel entities. This association can play a pivotal role in determining standardized costs for Umroh fees.
Pengaruh Pemahaman Literasi Keuangan dan Gaya Hidup terhadap Perilaku Konsumtif Santri Putri Al-Hidayah Ketegan Tanggulangin Sidoarjo Adelia Anggraeni
AL-UJRAH Vol 3 No 2 (2025): Juni
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

This research aims to determine the influence of financial literacy and lifestyle on the consumptive behavior of al-Hidayah female students. This research uses quantitative methods with data and information collection techniques obtained directly from respondents. The sample in this study consisted of 86 respondents from 623 students using the Slovin formula. The data analysis technique uses a questionnaire with SPSS version 25 tools. The results of this research show that the influence of financial literacy has a significant effect on consumer behavior. Simultaneously, financial literacy and lifestyle have a significant effect on consumer behavior with a coefficient of determination of 48.2%.
Implementasi Akad Musyarakah dalam Ekosistem Metavers: Analisis Peluang dan Tantangan Pembiayaan Syariah di Era Digital Raviqa Noer Laily; Fauzan Fauzan
AL-UJRAH Vol 3 No 2 (2025): Juni
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

This study analyzes the implementation of musyarakah contracts in the metaverse ecosystem as sharia financing innovations in the digital era. Using descriptive qualitative research methods and Islamic legal analysis, this study explores the opportunities and challenges of applying the principles of sharia partnership in a virtual space. The results of the study show that the metaverse opens up new opportunities for sharia financing through virtual property investments, digital businesses, and blockchain-based economies. However, there are significant challenges related to sharia compliance, regulations, and technical aspects of implementation. This research contributes to the development of digital Islamic finance literature and provides practical recommendations for the Islamic banking industry.
Pengaruh Wisata Religi Sunan Giri dalam Meningkatkan Pendapatan dan Kemajuan Ekonomi Masyarakat Gresik Muhammad Thoriq Farchan
AL-UJRAH Vol 4 No 1 (2025): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

Sunan Giri religious tourism in Gresik district has a significant influence on the income and economic progress of the Gresik community. This study presents an explanation of the influence of religious tourism Sunan Giri in Gresik district in increasing the income and economic progress of the Gresik people. This research aims to provide information and insight for readers, especially the local government, because the location of the two great ulama's graves is very strategic and also has a big impact on the people of Gresik, especially in the economic field. This phenomenon was studied using a qualitative method with descriptive presentation which was analyzed based on form of literature studies with a research focus on economic actors around the Sunan Giri tomb and the Gresik district government in developing and utilizing the religious tourism sector to maximize the economy in Gresik Regency. This study found that by developing and utilizing Sunan Giri religious tourism, it will increase income and progress in the economic sector, especially the Sunan Giri tomb in the Kebomas sub-district, as well as economic centers that utilize religious tourism.
Pengaruh Struktur Modal dan Kualitas Aktiva Produktif terhadap Kinerja Keuangan pada Bank Syariah di Indonesia Fadila Thalib; Siti Nurhaliza Koniyo
AL-UJRAH Vol 4 No 1 (2025): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

This study aims to determine the effect of capital structure on financial performance, productive assets on financial performance, and capital structure and productive assets on financial performance at Bank Syariah Indonesia. The research method used is quantitative using documentary data collection techniques. The data source used in this research is secondary data. The secondary data used is the financial statements of Bank Syariah Indonesia in 2015-2018 which are taken from the official website of the BSI Annual Report. The financial ratios used are debt to Equity Ratio, Earning Asset Quality, and Return On Assets. The data analysis technique used in this study is the classic assumption test, normality test, multicolonierity test, auto correlation test and heterocodasitation test. In this research it is found that (1) partially Debt to Equity (DER) has a negative and significant effect on Return on Assets (ROA) at Islamic Commercial Banks in Indonesia, (2) partially Earning Asset Quality (KAP) has a negative and significant effect on Return on Assets (ROA) at Islamic Commercial Banks inIndonesia, and (3) simultaneously Debt to Equity Ratio (DER) and Earning Asset Quality (KAP) have a joint and significant effect.
Pengaruh kualitas Produk dan Kualitas Pelayanan Terhadap Kepuasan Konsumen Pada Mini Market Hikmah Ketegan Tanggulangin Iin Ilviatul Hikmah; Suci Reza Syafira
AL-UJRAH Vol 3 No 1 (2024): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

Hikmah mini market is one of the mini markets located in Sidoarjo, more precisely in Ketegan Tanggulangin. Hikmah mini market provides various kinds of products ranging from food, drinks, kitchen necessities and others. In this thesis research, researchers used quantitative methods which aimed to determine the influence of product quality and service quality on consumer satisfaction at the Hikmah mini market. This research was conducted in Ketegan with consumer respondents who bought or shopped at the Hikmah mini market. In this research, the data collection technique used is non-probability sampling. The sample used was 90 respondents from 900 consumers using the Sovlin calculation formula. This research method uses multiple linear regression with SPSS 25 tools. The results of this research show that product quality and service quality have a significant effect on consumer satisfaction. Simultaneously, product quality and service quality have a significant effect on consumer satisfaction with a coefficient of determination value of 73,4%.
Analisis Perbandingan Return dan Risk antara Saham Syariah dengan Saham Konvensional (Studi pada Saham Syariah di Jakarta Islamic Index dan Saham Konvensional di Investor 33 Periode 2020-2022) Alfu Alfi Ni'am; Diah Syifaul A'yuni
AL-UJRAH Vol 3 No 1 (2024): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

In the era of globalization, investment has become a long-term strategy to achieve financial well-being and independence. Technological advancements have facilitated access to various investment instruments, including the Islamic capital market that offers investment options aligned with Islamic economic principles. This study employs a quantitative descriptive method to analyze the comparison of returns and risks between sharia stocks in the Jakarta Islamic Index and conventional stocks in the Investor33 Index during the 2020-2022 period. Quantitative analysis is used to test hypotheses, while descriptive analysis illustrates the collected data. Results show that the average return for sharia stocks is 1.06% and for conventional stocks is 1.61%, while the average risk for sharia stocks is 11.56% and for conventional stocks is 11.59%. The independent sample t-test yields significance values (2-tailed) of 0.372 for return and 0.491 for risk, both greater than 0.05. This indicates no significant difference in either return or risk between sharia and conventional stocks during the study period.
Analisis Faktor-Faktor Penyebab Pembiayaan Bermasalah pada Akad Murabahah dan Proses Penyelesaiannya Di BMT Harapan Ummat Tulungagung Mohammad Saiful Rifai; Nurwahyuni Nurwahyuni; Chosinawarotin Chosinawarotin
AL-UJRAH Vol 3 No 1 (2024): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

Indonesia's population, which exceeds 280 million, is not accompanied by a sufficient number of job opportunities. The difficulty in finding employment has led to high unemployment rates. This situation forces the society to become more creative in generating income, one of which is by starting a business. Running a business requires a considerable amount of capital, especially with the rising prices of goods. Murabahah financing is one solution to address this issue. Murabahah is a sale and purchase agreement between a customer and a financial institution, with an agreed-upon margin value. BMT Harapan Ummat Tulungagung is one of the financial institutions offering this service. This study aims to examine the standard assessment of the feasibility of Murabahah financing approval, the factors causing problematic financing, and the resolution stages. The research adopts a phenomenological approach with a field research type using a descriptive qualitative method. The findings reveal that the feasibility assessment of potential customers for financing approval is based on the 5C principle. First, Character is assessed through interviews with the customer and cross-checked with the local community. Second, Collateral refers to the requirement that financing must be secured by collateral such as land or building certificates, civil servant identification (SK ASN), or vehicle registration certificates (BPKB) for motorbikes or cars. Third, Capacity is evaluated from the financial reports of the business, salary slips, employment status, and business location surveys for self-employed customers. Fourth, Condition is assessed from internal factors such as the economic status and the number of dependents, and external factors such as the environmental conditions. Fifth, Capital is evaluated from the physical evidence of the ongoing business and can also be measured by the assets owned. The factors causing problematic Murabahah financing in BMT Harapan Ummat Tulungagung from external factors include: 1) educational expenses; 2) daily living expenses; 3) business disruptions; 4) unpaid receivables; and 5) existing loans from other places. Internal factors include the absence of penalties for problematic financing in the agreement letter, which ultimately leads customers to neglect their obligations. The resolution stages for problematic financing in BMT Harapan Ummat Tulungagung are: 1) contacting the customer through messages and phone calls; 2) visiting the customer's residence, either with or without prior agreement; 3) negotiating installment payments through restructuring or selling the Murabahah collateral to cover the remaining payment obligations; and 4) waiting for the customer to acknowledge the need for payment. The final stage occurs when the customer cannot be contacted or met.
Pengaruh Atribut Islami, Kelengkapan Produk, dan Harga terhadap Loyalitas Konsumen pada Toko Basmalah cabang Plumbon, Pandaan, Pasuruan Nirza Balqisa Mabruroh; Nur Dinah Fauziah
AL-UJRAH Vol 3 No 1 (2024): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

In Indonesia, retail sales growth in 2023 has increased to around 4% or in line with Indonesia's economic growth of around 5.5%, according to the Indonesian Retailers Association (APRINDO). The increase in retail is also accompanied by consumptive behavior, the population continues to grow, and the need for consumers to meet their needs. This study is entitled "The Influence of Islamic Attributes, Product Completeness, and Prices on Consumer Loyalty at Basmalah Stores, Plumbon Pandaan Pasuruan Branch" and aims to prove whether there is an influence of Islamic attributes, product completeness, and prices partially and simultaneously on consumer loyalty at Basmalah Stores. Plumbon Pandaan Pasuruan branch. This study uses a quantitative method with a survey method. With a total of 100 respondents selected using the probability sample technique (probability sample) using the Lemeshow formula from all consumers who shop at Basmalah Stores. The analytical method in this study used multiple linear regression analysis with the help of SPSS 25. The results of this study, the t test shows that the independent variable Islamic attributes and price partially have a positive and significant effect on consumer loyalty, while the product completeness variable has no positive and significant effect on consumer loyalty. In the F test of the independent variable Islamic attributes, product completeness and price simultaneously have a positive and significant effect on consumer loyalty. And based on the value of the coefficient of determination shows that 53.4% ​​of consumer loyalty is influenced by the three factors above, while the remaining 46.6% is influenced by other variables not explained in this study.
Dampak Kontribusi Pengusaha Tani Kopi dalam Meningkatkan Pendapatan Masyarakat (Studi Kasus Desa Sumberduren Kecamatan Krucil Kabupaten Probolinggo) Mochamad Sabiq Al Hadi; Intan Putri Nazila
AL-UJRAH Vol 3 No 1 (2024): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

This research is motivated by the situation in East Java, coffee plantations have become the main pillar in advancing the local economy and can increase people's income. However, many people in Sumberduren Village still sell their coffee harvest in wet logs. By looking at the abundant natural resources of coffee, especially since coffee has now become a mainstay in East Java, there is a need for innovation in product processing in order to increase the added value of coffee products and the selling price of coffee products. The problem formulation of this research is (1) What is the impact of the contribution of coffee farming in increasing the income of the people of Sumberduren Village. (2) What is the income level of the community in Sumberduren Village, Kec. Krucil, Probolinggo Regency. This research uses a qualitative type of research. The approach used in this research is a qualitative approach. This approach is a research procedure that produces descriptive data in the form of written or spoken words from organizations and behavior that is observed and directed at natural settings and individuals as a whole. Data collection techniques use observation, interviews and documentation. Data analysis was carried out using qualitative descriptive methods. The results of this research show that the contribution of coffee farming in increasing people's income in Sumberduren Village has had a broad impact. Economically, this business provides the main source of income for coffee farmers. Apart from that, the community's income is high, namely 61%. This means that the coffee farming business that the respondents are undertaking has quite a significant influence. Previously they only earned around 44% of their income, but with the contribution of coffee farming businesses in Sumberuren Village it has increased. Which is quite good. This is based on the results of interviews with farmers and other communities in Sumberduren Village, Kec. Krucil, Probolinggo Regency.

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