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Genius: Jurnal Ekonomi Dan Manajemen
Published by Meta Nusantara
ISSN : -     EISSN : 30907470     DOI : https://doi.org/10.010124/n3c7kw07
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Genius: Journal of Economics and Management is a peer-reviewed journal published by CV Meta Nusantara, and published twice a year, namely in June and December each year. Genius: Journal of Economics and Management invites research articles (preferred) and conceptual articles related to economic and management issues. It is recommended to read and understand the guidelines for writing and submitting articles. Therefore, every author who wants to submit an article to Genius: Journal of Economics and Management is required to fulfill the applicable provisions. The editorial board will only accept articles that have been written in accordance with the guidelines. As such, any articles that do not meet the requirements will be automatically rejected prior to review. Genius: Journal of Economics and Management accepts writings or scientific works of research results in the fields of Pure Economics, Economic Education, Management, Digital Business, Entrepreneurship, Accounting, Banking, Islamic Economics and other fields relevant to economics that have never been published in other journals.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 23 Documents
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Akad Syariah pada Produk Pembiayaan BMT Mitra Arta Pekanbaru: Tinjauan Fatwa DSN-MUI Yoga Riski Andria; Azwar; Samsia Afriani; Cinto Hasanah Fitri; Muhammad Fahrizal; Raihan Maulidil Ahmad
Genius: Jurnal Ekonomi Dan Manajemen Vol. 3 No. 01 (2026): Jenius : Jurnal Ekonomi Dan Manajemen
Publisher : https://journal.metanusantara.com/jenius/index.php/jem

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.010124/5ke6s565

Abstract

Amidst these developments, Baitul Maal wat Tamwil (BMT) plays a strategic role as a micro-institution that performs business (tamwil) and social (maal) functions to empower the community's economy. The conformity of the application of contracts with Sharia principles regulated by the fatwa of the National Sharia Council Indonesian Ulema Council (DSN-MUI) is very important for the validity of transactions conducted at BMT. The conformity of transactions with Sharia principles established by the fatwa of the National Sharia Council Indonesian Ulema Council (DSN-MUI) is very important for the validity  transactions at BMT. The purpose of this research is to examine how murabahah, musyarakah, ijarah, and ijarah multijasa contracts are applied to financing products at BMT Mitra Arta Pekanbaru and to review their compliance based on the perspective of DSN-MUI fatwas. The main focus of the research is to ensure that the contract practices in the field meet the stipulated requirements to avoid elements of riba, gharar, and maisir. This research uses a qualitative approach with a descriptive research type thru field studies. Data were collected thru thorough interviews with relevant individuals, in addition to documentation, which consists of product brochures and other supporting documents. A comparative descriptive analysis method was used to compare practices at BMT Mitra Arta Pekanbaru with DSN-MUI fatwas number 04 (Murabahah), 08 (Musyarakah), 09 (Ijarah), and 44 (Ijarah Multijasa). The research results show that BMT Mitra Arta Pekanbaru has implemented murabahah, musyarakah, ijarah, and ijarah multijasa contracts in accordance with the provisions regulated in the DSN-MUI Fatwa
Sinergi Fungsi Sosial Dan Komersial BMT Al-Ittihad Rumbai Pekanbaru Sebagai Bentuk Dakwah Ekonomi Kamila Rakhmawati; Azwar; Nanda Putri
Genius: Jurnal Ekonomi Dan Manajemen Vol. 3 No. 01 (2026): Jenius : Jurnal Ekonomi Dan Manajemen
Publisher : https://journal.metanusantara.com/jenius/index.php/jem

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.010124/3vmbd008

Abstract

This research aims to examine the synergy between the social and commercial functions of Baitul Maal wat Tamwil (BMT) Al-Ittihad Rumbai Pekanbaru as a real manifestation of Islamic economic preaching. The background of this research is based on the phenomenon that BMT as a sharia microfinance institution not only plays a role in business activities, but also carries a social mission through the management of zakat, infak, alms, and waqf (ZISWAF) funds, but in its implementation the two functions have not fully run in a balanced and synergistic manner. This research uses a descriptive qualitative method with data collection techniques through in-depth interviews and direct observations at the headquarters of BMT Al-Ittihad Rumbai, Pekanbaru. The research results show that the commercial function of BMT Al-Ittihad runs through the collection of funds based on the wadiah and mudharabah contracts, as well as the distribution of financing with the murabahah, musyarakah, and mudharabah contracts. As for its social function, it is realized through the management of ZISWAF funds, the provision of scholarships, and the financing of Qardhul Hasan's virtues. The synergy of the two is proven to create an inclusive economic chain, where the benefits from the commercial sector support the sustainability of social programs, while the empowerment of the dhuafa community through social functions transforms into productive partners for the commercial sector.
Implementasi Akad Syariah pada Produk Simpanan dan Pembiayaan di BMT Indragiri Cab. Pekanbaru: Tinjauan Perspektif Keuangan Islam Arianti; Azwar; Sandrina Ananda Tasya; Roby Hadiansyah; Afira Adila Putri
Genius: Jurnal Ekonomi Dan Manajemen Vol. 3 No. 01 (2026): Jenius : Jurnal Ekonomi Dan Manajemen
Publisher : https://journal.metanusantara.com/jenius/index.php/jem

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.010124/6zkemz07

Abstract

The rapid growth of Islamic financial institutions in Indonesia is still accompanied by a gap between Islamic financial literacy and inclusion. This study employs a field research design with a descriptive qualitative approach. Data were collected through interviews with parties involved in the implementation of savings and financing products to obtain information regarding the application of Islamic contracts in the institutions’ operations. The collected data were then analyzed using an interactive data analysis model. Interactive data analysis involves three stages: data reduction, data presentation, and drawing conclusions or verification. The objective of this study is to analyze the implementation of Sharia contracts in savings and financing products at BMT Indragiri’s Pekanbaru Branch and to assess their compliance with Islamic financial principles. The research findings indicate that the implementation of Sharia contracts for savings and financing products at the Pekanbaru Branch of BMT Indragiri is in accordance with the principles of Islamic finance. Savings products utilize wadiah yad dhamanah, mudharabah, and musyarakah contracts, while financing products utilize murabahah, mudharabah, musyarakah, ijarah, and qardhul hasan contracts. The application of these contracts is carried out clearly, transparently, and based on mutual agreement between both parties, thereby avoiding elements of riba, gharar, and injustice. Additionally, the BMT fulfills its social function through qardhul hasan financing and the collection of social funds to assist the community. However, this study also found that public understanding of Sharia contracts still needs to be improved through more intensive outreach and education.

Page 3 of 3 | Total Record : 23

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