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University of Muhammadiyah Banjarmasin Main Campus (St. Gubernur Syarkawi, Lingkar Utara, Handil Bakti, Kab. Barito Kuala, South Kalimantan, Indonesia)
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Tawazuna
Published by Universitas Muhammadiyah Banjarmasin
ISSN : -     EISSN : 2809588X     DOI : https://doi.org/10.35747/twz.v3i2.1005
Core Subject : Economy,
Economics, Econometrics & Finance
Focus: Tawazuna Journal focuses on publishing research and reflections in the field of Islamic banking, with an emphasis on the integration of Sharia principles in financial systems, banking practices, and economic development. Scope: The journal covers topics including: Islamic banking principles, practices, and innovations. Sharia compliance, governance, and regulations in Islamic finance. Risk management in Islamic banking. Islamic capital markets and investment. Economic development and financial inclusion through Islamic banking. Ethical and social responsibility in Islamic financial institutions. Case studies and practical applications of Islamic banking. Islamic Capital Market (Islamic Bond/SUKUK & Islamic Stock Islamic Financial Accounting. The journal invites contributions from researchers, academics, and practitioners in the field of Islamic banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
 1   2   3   4 
Analysis of Bad Loan Management in Islamic Perspective in Village Owned Enterprises (Case Study in Pakis Putih Village, Kedungwuni District Pekalongan Regency) Awali, Husni; Santi, Anisah
Tawazuna Vol. 1 No. 1 (2021)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i1.78

Abstract

Along with the development of Islamic Economics in the business world in Indonesia. BUMDes is a microfinance institution that has an important role that aims to improve the economic level of the community, as well as provide funds to the community to develop development in the form of providing credit. The purpose of this study was to determine the factors causing bad loans and how to manage them in an Islamic economic perspective in BUMDes Bina Pakis, Kedungwuni District, Pekalongan Regency. This type of research was conducted with a qualitative descriptive method. Researchers collect data by means of interviews through Social Media such as Whatsapp and Chat Messenger, as well as observations by thoroughly exploring the social situation to be studied. The results of the study can be said that (1) BUMDes "Bina Pakis" Pakis Putih Village, Kedungwuni District, Pekalongan Regency has 75 debtors with a total number of bad loans of Rp. 34,800,000. Since the beginning of BUMDes, bad loans have averaged 12% per year. (2) the causes of bad credit at BUMDes Bina Pakis, namely the tendency to apply for credit funds by customers, there are business constraints, the BUMDes are less thorough in analyzing lending to debtors, and so on. As for when viewed from the perspective of Islamic Economics, in the process of paying credit funds there are delays in payments and breaking promises that have been agreed upon thus violating the provisions in the Word of Allah SWT. in Surah Al-Isra: 34 which contains "the promise must be carried out because there will be accountability". On the other hand, the existence of bad loans will cause the circulation of BUMDes funds to be hampered and have an impact on losses for the BUMDes and the community.  
Management of Waqf Land at Jami Islahuddin Mosque Districts Manggala Makassar City Putra, Trisno Wardy; Nur Adilah, Azizah; Ruqayyah Yunus, Ayu
Tawazuna Vol. 1 No. 1 (2021)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i1.82

Abstract

The pattern of waqf property management in Indonesia still tends to be in the management traditional pattern. Waqf in Indonesia still has narrowed of its meaning and purpose, the mosques and prayer rooms that were built have not been able to act as a center for driving community activities, and are only used as places of worship. In the city of Makassar, Jami Islahuddin Mosque is one of the Mosque that has been built on waqf land. Therefore, it is deemed necessary to conduct a study of how the management of waqf assets at the Jami Islahuddin mosque. This study uses a qualitative method with field research to describe the existing facts related to the management of waqf land at the Jami Islahuddin Mosque. The data collection technique used is through literature review, observation, interviews and documentation. The results of the study are: The management of the Jami Islahuddin Mosque Waqf Land has been carried out productively. This can be seen from the mosque which is not only used as a place of worship but is also used as an Al-Qur'an Education Center (TPA), Baitul Maal Wa Tamwil (BMT), and the Mosque Business Entity (BUM) Jami Islahuddin Mosque.
F Forecasting Broiler Sales on CV. Berkah Bersama: Forecasting Broiler Sales on CV. Berkah Bersama Muta Ali, Abdul; Ismaiyah, Ismaiyah
Tawazuna Vol. 1 No. 1 (2021)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i1.90

Abstract

The purpose of this study was to find out forecasting broiler chicken sales at CV. Berkah Bersama with using the trend moment method in May to July 2021. Previously the method was tested by its accuracy using the Mean Absolute Percentage Error (MAPE) calculation method. The data used in the form of sales data in the perioe January to April 2021. The result of the calculation of the accuracy of the trend moment method are 3% which indicate that the method is feasibleor can be used to predict the sale of broiler chicken on CV. Berkah Bersama. The result of calculation of forecasting chicken sales in the period May, June and July are equal to 60,957.90 Kg, 62,739.79 Kg dan 64,521.68 Kg. Keywords : Sales forecasting, Trend Moment Method, MAPE
Researching Local Wisdom “Ba’i Sighat Al Aqd” Aqd Murabahah in City of Thousand River’s: Menelisik Kearifan Lokal “ Ba’i Sighat Al Aqd” Akad Murabahah Di Kota Seribu Sungai Hasanah, Ikhwatun; nafidzi, elman; Safitri, Dewi
Tawazuna Vol. 1 No. 1 (2021)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i1.102

Abstract

Everybody experienced a purchase, if a researching knowledge about purchase since of a barter system, and then thrived along with the development in implementation of Islamic Sharia. In purchase activities, Islamic regulates everything related to it, including purchase procedure. There are several things that need attention about the terms and conditions of purchase including: buyers and sellers, object of sale and purchase, sale and buying agreements. Get along in buying and selling (A Pillars of Islamic) and provisions absolutely necessary, if one of the pillars is not fulfilled, the sale and purchase is canceled. Without going through the purchase contract process, the buying and selling activity is not legal in Islam, this has become a guideline for banjar residents in buying and selling activities, the pronunciation of the qabul consent agreement is mandatory that has been practiced for generations, and without realizing it, it has become one of the local culture of the banjar community
Money Demand and Monetary Policy in the Perspective of Islamic Economics Maharani, Dewi; Fattah, Abdul
Tawazuna Vol. 1 No. 1 (2021)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i1.111

Abstract

This paper is about the concept of money demand and monetary policy in the perspective of Islamic economics. Money and monetary policy are two interesting things to discuss in the study of Islamic economics. This is due to the dynamics of the monetary sector which is growing rapidly when compared to the development of the real sector, both in theory and in practice. In fact, monetary instruments dominate the global economic system and are increasingly taking root. Money greatly affects the economy of a country and this is related to monetary policy.
The Transactions of Buying-Selling of Pre-Baligh Children According to Islamic Law: The Transactions of Buying-Selling of Pre-Baligh Children According to Islamic Law Zain, Anwar; yusuf, muhammad; faisal, muhammad
Tawazuna Vol. 1 No. 2 (2022)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i2.327

Abstract

Destination study this for know law transaction buying and selling by child who hasn't baligh based on Islamic perspective . Method used  in study this that is study literature with study by laws normative sharia by origin based on the Koran and sunnah then strengthened with ijtihad opinion para cleric fiqh about law transaction jula buy for child prebaligh and must - have attitude conducted by parents  as in charge child . Results research law transaction buy and sell child prebaligh in Islam divided into 3 opinions , namely : 1 ) Yes and legitimate buying and selling child prebaligh with condition already get his parents ' permission . 2) No legitimate buying and selling child prebaligh because the condition of the person who does activity the must Baligh / Mukallaf . 3) Yes and legitimate sell buy buying and selling child prebaligh although no there is permission from his parents but goods / objects purchased including "little " or simple ”. Activity child in buy and sell under not quite enough answer the parents , because the parents who become mukallaf (burdened with reward and sin ) for always knowing in activity child To do purchase in the stalls nor in place purchase where only , so that children miss from impact loss , fraud and fraud by other people or other people affected make a loss on purchases made  child because they no understand score money must  paid
Model Of The Entrepreneurial Process For Early Childhood: Model Of The Entrepreneurial Process For Early Childhood Rahman, afif; Mardiah; Anshari, Muhammad Fatih
Tawazuna Vol. 1 No. 2 (2022)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i2.330

Abstract

          In a developing country, the role of entrepreneurs cannot be ignored, especially in carrying out development.  A nation will develop faster if it has entrepreneurs who can be creative and innovate optimally, namely realizing new ideas into real activities in every business. This method use the method used is the library method. by taking study materials from various reference sourcescitations  
Life Skills as an Element of Media for Learning Entrepreneurship for AUD Educators: Life Skills as an Element of Media for Learning Entrepreneurship for AUD Educators Fitri Syahrida, Annisa; baiti, noor; Fatah, Abdul
Tawazuna Vol. 1 No. 2 (2022)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i2.331

Abstract

The application of life skill education in suor educational institutions will give birth to outputs that have high competence, with us having the provision of life skills will be more productive and able to compete. which we often refer to as life skills.Library study is a method of data collection that is directed to the search for data and information through documents, both written documents, photographs, images, and electronic documents that can support the writing process." The results of the research will also be more credible if they are supported by existing photographs or academic and artistic papers." (Sugiyono, 2005:83).
THE EFFECT OF TEACHING ABILITY AND DISCIPLINE OF LECTURERS ON STUDENT SATISFACTION FACULTY OF ISLAM, MUHAMMADIYAH UNIVERSITY OF BANJARMASIN: THE EFFECT OF TEACHING ABILITY AND DISCIPLINE OF LECTURERS ON STUDENT SATISFACTION FACULTY OF ISLAM, MUHAMMADIYAH UNIVERSITY OF BANJARMASIN Safitri, Dewi; taufik, herman; putri, noorhalimah
Tawazuna Vol. 1 No. 2 (2022)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i2.332

Abstract

  The objectivites of this study include: 1) Knowing and analyzing the performance of lecturers on the teaching abilities of students of the faculty of islamic religion, university of muhammadiyah banjarmasin. 2) Knowing and analyzing the discipline of lecturers on the teaching and learning process of students of the faculty of islamic religion UM Banjarmasin. 3) Knowing and analyzing student satisfaction on the teaching performance of lecturers at. This type of research is quantitative research because this research emphasizes the influence on the processed numerical data. The population of 50 students became 45 students using the Simple Random Sampling technique
The Benefits And Security Of The Interest Of Students At The Muhammadiyah University Of Banjarmasin In The Use Of Mobile Banking: The Benefits And Security Of The Interest Of Students At The Muhammadiyah University Of Banjarmasin In The Use Of Mobile Banking fai, maulidi; hanifah, hanifah
Tawazuna Vol. 1 No. 2 (2022)
Publisher : UMBanjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35747/twz.v1i2.333

Abstract

In Indonesia, mobile banking is not a new thing, because it has become part of banking innovation in following global business competition. Therefore, banking institutions try to provide service satisfaction to their customers by providing banking facilities, in the form ofumobile banking services to conduct transactions or business. This study aims to determine the effect of perceived ease of use, perceived benefits, risks, access capabilities, and security on the use of mobile banking. In this study, researchers used quantitative research. This quantitative choice is because it is a type of research activity whose specifications are systematic, well-planned, and clearly structured from the beginning to the making of research designs, both regarding research objectives, research subjects, research objects, data samples, data sources, and methodologies. Based on the results of the analysis and discussion of the previous discussion, it can be concluded that the security guarantee variable has no partial effect on the benefits of saving customers

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