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Fahmi Achta Pratama
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INDONESIA
Risalah Iqtisadiyah: Journal of Sharia Economics
Published by STEI Ar Risalah Sumatera Barat
ISSN : -     EISSN : 29860792     DOI : https://doi.org/10.59107/ri
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
This journal focuses on the results of Sharia Economics research which includes the Halal Industry, Finance Sharia, Management and Business Sharia, Islamic Economic Thought, Islamic Development Economics, and Islamic Philanthropy. The Editorial Team welcomes contributions in the form of articles from scientists, scholars, professionals and researchers related to sharia economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol 2 No 1 (2023): January - June 2023" : 6 Documents clear
Pembiayaan Sukuk dalam Skema Kerjasama Pemerintah dan Badan Usaha (KPBU): Pengembangan Sumber Daya Manusia (SDM) di Sektor Energi dan Sumber Daya Mineral (ESDM) yang Berkelanjutan Dzulfaqori Jatnika, Muhammad; Andani, Listia
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.25

Abstract

Indonesia is one of the countries in the world that has a large potential for energy and mineral resources. Therefore, this potential can be managed by the government for social welfare. This study aims to develop a financing model using Sukuk as the main source of financing instruments. The scheme used in this sukuk financing is Public-Private Partnership. This research adopts a qualitative approach with a descriptive analysis method through a literature study. The results of the study demonstrate that the design of the development model for financing human resource development can be executed using the Government and Business Entity Cooperation scheme supported by funds from Sukuk. This scheme offers several benefits for related ministries, business entities, the community, and human resources working in the energy and mineral sector. The government obtains additional capital and partners in conducting human resource education and training. Business entities generate income from the services provided and acquire additional capital. Communities can participate in investing through the development and financing model of Sukuk, and the number of beneficiaries of education and training increases.  It is hoped that the financing development model with the KPBU and sukuk schemes can be welcomed and responded to by the government by issuing a legal umbrella as the basis for its implementation.  For future research, it is also necessary to design the next mechanism to link the return on investment with the revenue earned from project operations.
Kualitas Layanan, Harga dan Religiusitas Terhadap Minat Beli Produk Pembiayaan Murabahah Studi Kasus PT. BPRS Madina Mandiri Sejahtera Yogyakarta Afifah, Afina Ayu; Salam, Abdul
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.26

Abstract

The development of Islamic Banking, especially Islamic People's Financing Banks in Indonesia is currently quite significant, this can trigger competition that offers murabahah financing products. With the existence it is hoped that it can improve the economy of the middle and lower classes of society. The purpose of this study was to find out how the influence of service quality, price and religiosity on the intention to buy Murabahah financing products at PT. BPRS Madina Mandiri Sejahtera Yogyakarta. This study used a quantitative with a cross section approach. There’s 90 samples customers BPRS Madina 2022 using the Yamane formula and processed by E-views 12.0. This research uses data analysis techniques used classical assumption tests, multiple linear regression, partial tests (t), simultaneous tests (f), and coefficient of determination (R2). The results of this study based on the (t) and (f) tests show that service quality has a positive and significant, price has a negative and religiosity has significant. Then the R square value of 0,25 indicates that the independent variable is able to influence the dependent variable by 25%. While the remaining 75% is explained by other variables outside this study.
Muslim Prosperous Family (MPF) Consumption in Koto Tuo Ujung Pasir Village: Is It Consistent with Islamic Consumption Behaviour? Fauzi, Muhammad; Kurniawan, Mhd.
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.29

Abstract

This study aims to see the consumption behaviour of Muslim Prosperous Family (MPF) in Koto Tuo Ujung Pasir Village in line (consistent) with consumption behaviour Islamic economic. This study uses a qualitative approach, and data sources are collected from primary sources using Miles and Huberman model as a data analysis tool. The results of this study show consumption behaviour of MPF is in line with the consumption behaviour of Islamic economics, it can be seen from of balanced behaviour in consumption (such consumption for oneself, family, and Fisabilillah), spending wealth in halal and good ways. However, there are still some consumption behaviours of MPF that are not in line with consumption behaviour Islamic economics, it can be seen from in form of behaviour for oneself and the family that reflects more wasteful (Tabzir), royal (Israf), and also makes Ribawi loans at Conventional Banks in order to obtain luxury goods. This study can add to the existing reading of Islamic economics literature, because this study is based on the theory and concept of consumption behavior in Islamic economics to see MPF consumption behavior. This study also has many limitations, so it is open for further research to examine it in depth.
Peran Kalangan Milenial Terhadap Pengembangan Ekonomi Syariah Di Kabupaten Mandailing Natal Rahmat, Paisal; Fitri, Meliani; Hanum Lubis, Fadhilah; Fauzi, Muhammad
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.30

Abstract

Millennials are people who are very attached to technology and the internet. Millennials prefer everything that is instant and efficient. The role of millennials in the sharia economy in Indonesia is to develop technology that can facilitate the Indonesian people in carrying out economic activities that are more efficient and not wasting time, millennials can disseminate sharia economic products through social media in Indonesia or abroad. This article aims to determine the role of millennials in the Islamic economy in Indonesia. The instrument in this study is an inductive thinking model and interviews with research informants. Based on interviews conducted by researchers, they found that millennials have had a positive impact on the Islamic economy in Indonesia, namely: 1) introducing Islamic economics to society, 2) developing Islamic economic products, 3) adding new innovations to the Islamic economy through existing technology.
Implementasi Manajemen Risiko Berbasis Syariah Pada Lembaga Keuangan Syariah Mahirah Nurfadhilah, Nisrina; Fajrini Ridhati; Marsha Ananda Putri, Raden
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.32

Abstract

The main objective of risk management is to identify, measure and manage the risks associated with the operational and financial activities of a bank or Islamic financial institution. This study uses a literature review research method. The process of data analysis begins with reducing the collected data into important data that is relevant to the research topic. The findings from this study are that Risk Management in Islamic Banking and Finance is important for identifying, measuring, managing and monitoring risks in order to minimize losses due to uncontrolled risks and ensure business continuity. Characteristics of Risk Management in Islamic Banking and Finance includes sharia principles that must be followed, namely fairness, sharing risks, and not harming other parties. Risk identification in Islamic Banking and Finance is carried out to identify the types of risks faced by Islamic financial institutions. Risk Monitoring and Evaluation in Islamic Banking and Finance is carried out to ensure that risks are controlled and in accordance with standards, so that Islamic financial institutions can minimize risks and ensure the continuity of their business.
Analisis Ekonomi Dalam Pembentukan Hukum (Kasus Perizinan Bisnis Ritel Modern di Sumatera Barat) Deddi Ajir; Yusnita Eva; Yas Wirman
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.46

Abstract

Indonesian Modern Retail Business is a business activity selling various goods or services for direct or indirect consumption. Retail business in Indonesia can generally be classified into two, namely modern retail and traditional retail. Modern retail is actually a development of traditional retail which in practice applies modern concepts using technology and accommodates lifestyle developments in society (consumers). Modern shopping centers currently operating in West Sumatra include Plaza Andalas, Basko Grand Mall, Rocky Plaza, Transmart and SPR Plaza. To protect micro, small and medium enterprises (MSMEs), the West Sumatra Government also does not give permits to franchise retail networks in the form of minimarkets such as Indomaret and Alfamart which have mushroomed in various cities in Indonesia. Instead, the Minang Mart minimarket network was formed by the Regional Owned Enterprise (BUMD) PT Graphics Jaya West Sumatra in collaboration with PT Sentra Distribution Nusantara.

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