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Abdul Rahman Ramadhan
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Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah
Published by Syamilah Publishing
ISSN : 31093752     EISSN : 31091563     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah (E-ISSN 3109-1563 | P-ISSN 3109-3752) merupakan jurnal ilmiah nasional yang terbit secara berkala 2 (dua) kali dalam setahun pada bulan Mei dan November sejak tahun 2024. Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah diterbitkan dan dikelola secara independen oleh SYAMILAH PUBLISHING yang berada di bawah naungan PT. SYAMILAH LITERASI ISLAMI dan didedikasikan sebagai media publikasi karya akademik terbaik para peneliti dari kalangan akademisi dan praktisi. Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah menempatkan isu-isu seputar Ekonomi Islam, Filantropi serta Perbankan Syariah sebagai fokus kajian akademis . Artikel yang dipublikasikan Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah ditulis menggunakan bahasa Indonesia, bahasa Inggris dan bahasa Arab. Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah telah terindeks di berbagai platform indeks artikel ilmiah seperti Google Scholar, dan lain-lain.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 40 Documents
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Analysis of the Effectiveness of Social Assistance Distribution for the Poor Family (Case Study in Sikayu Village, Comal, Pemalang, Central Java) Sheila Arisonya Mulyani; Hendri Hermawan Adi Nugraha; Zohaib Hassan Sain
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 1 (2024): Mei
Publisher : Syamilah Publishing

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Abstract

Governmental support programs aimed at enhancing people's economic well-being are essential components of their initiatives. These initiatives are crucial in fostering more prosperous livelihoods for individuals. Nonetheless, issues often arise in the equitable distribution of such aid, primarily due to inaccuracies in identifying eligible recipients. Sikayu Village, located in Comal Subdistrict, Pemalang, is no exception, facing similar challenges in ensuring efficient allocation. That is the main aim of this research which is to examining the problem of social assistance in sikayu village. This study adopts a descriptive qualitative approach, employing a case study methodology, incorporating interviews and observations. Sikayu Village encounters various obstacles hindering the attainment of optimal effectiveness, particularly evident in deficient coordination among government bodies responsible for aid distribution and a flawed data management system for beneficiaries. Consequently, there is an imperative need to enhance the management of beneficiary data, bolster community engagement, and, notably, improve interagency coordination to address these shortcomings effectively.
Cyber Security Challenges in Syrian Bank Liquidity Management: Maintaining Stability in The Digital Age Naila Fadilah; Hendri Hermawan Adinugraha
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 1 (2024): Mei
Publisher : Syamilah Publishing

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Abstract

This study explores the challenges facing cybersecurity. by financial institutions, especially the sharia bank, in the context of liquidity management to maintain financial stability in the digital age. The digital age marks the transformation of the financial landscape that gives facility but also poses a cybersecurity risk that Sharia Bank, as a financial entity that implementing the principles of Shariah, especially vulnerable to Cyber attacks that could threaten liquidity and financial stability This research covers an in-depth background on Cyber attacks and liquidity management in sharia banks. Consider the latest theories and related case studies, research This analyzes the impact of cyber attacks on liquidity and stability. Sharia bank finance. As part of the research methodology, the study In-depth literature is used to identify trends, challenges, and strategies related to cybersecurity in liquidity management. Findings This research provides a deep insight into how banks Shariah can face and respond to cybersecurity challenges, as well as strategies that can be applied to maintain stability financial in the digital age. Practical implications and recommendations for Similar financial institutions were discussed, contributing to practical understanding and policy related to liquidity management and cybersecurity. This research provides a better understanding deep on the relationship between cybersecurity and stability financial, providing the necessary framework for banks Shariah and other financial institutions to face the challenge This complex.
Islamic Accounting as An Information System for Sharia-Based Companies Desta Puji Fajariani; Hendri Hermawan Adinugraha
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 1 (2024): Mei
Publisher : Syamilah Publishing

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Abstract

This article discusses the importance of Islamic accounting as a source of information for sharia-based companies in the era of globalization and increased awareness of sharia principles. Sharia accounting is based on Islamic sharia principles, such as the prohibition of riba, gharar, and maysir, as well as the principles of accountability, fairness, and truth. Sharia accounting helps companies ensure compliance with Islamic teachings in operations and finances, and provides relevant and transparent information for stakeholders. Despite facing challenges such as cloud computing, blockhain, and artificial intelligence opens up new opportunities in optimizing the efficiency and accuracy of Islamic accounting. This article highlights the importance of a deep understanding of Sharia principles and the utilization of technology in the development of Islamic accounting. Sharia-based companies, such as Islamic banks, Islamic microfinance, institutions, and halal businesses, require accounting information system that are able to accommodate and monitor sharia-compliant transaction. In this context, Islamic accounting plays a central role in decision-making, finance reporting and corporate governance. The system assists companies in providing transparent, fair, and trustworthy financial reports, which are important to stakeholders including investors, customer, and regulators.
Analysis Of Interests of Young Generation in Becoming an Islamic Bank Leader Dyah Anindita Nur Wulandari; Hermawan Adinugraha; Muhammad Shultoni
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 1 (2024): Mei
Publisher : Syamilah Publishing

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Abstract

This research is based on the observation of researchers related to the number of Muslim communities more inclined to be interested in using the services of conventional banks than Islamic banks. This research uses a qualitative method with a descriptive approach. This study aims to analyze the determinants of the lack of interest from the younger generation to become customers of Islamic banks. The data analysis techniques used are interviews, observations, and documentation. Based on the results of the interview, it is suggested that the determinants of the lack of interest from the younger generation to become customers of Islamic banks are influenced by several things. First, promotional factors from Islamic banks to the public. Islamic banks are considered less competent in introducing their products. Second, infrastructure factors and unsatisfactory office networks. Infrastructure factors and office networks are an obstacle to other people's interest in switching to Islamic banks. Third, competitive factors that gain more trust make competition difficult.  The tight competition between Islamic banks and conventional banks exacerbates the existing situation.
Bureaucratic Pathology of Social Aid Services in Sragi Village Pekalongan Regency Nova Shella Rida Az-zahra; Hendri Hermawan Adinugraha
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 1 (2024): Mei
Publisher : Syamilah Publishing

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Abstract

This research aims to analyze the performance of government bureaucracy in the distribution of social assistance in Sragi Village, Pekalongan Regency. Through a qualitative approach with a case study, this research identifies various issues in the distribution of social assistance, including the inability to determine the right targets, distribution delays, lack of transparency, and accountability. Data were obtained through direct observation and analysis of community conversations.The results of the research show that the inability to distribute accurately and the delay in distributing social assistance are caused by various factors, such as inefficiency in bureaucracy, technical issues, and lack of transparency. Although no acts of corruption or abuse of authority were found, the integrity and responsibility of employees in carrying out their duties are crucial to maintaining public trust. The conclusion emphasizes the need for improvements in the social assistance distribution system, including increasing efficiency, transparency, and integrity in bureaucracy, as well as emphasizing employee responsibility. By addressing these various aspects, it is hoped that the social assistance distribution process can become more effective and efficient, with a greater impact on the communities in need.
Marketing Strategies in Maintaining a Business According to an Islamic Economic Perspective: Case Study of Teh Desa Outlet in Pekalongan Karismatun Khasanah; Muhammad Shulthoni; Hendri Hermawan Adinugraha
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 2 (2024): November
Publisher : Syamilah Publishing

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Abstract

This research aims to find out more about the marketing strategies used in maintaining business at the Teh Desa outlet, whether it has met the maximum standars or not. This research usesfield reserach with a descriptive qualitative approach. Then for the location of this research was conducted in Pekalongan, Central Java. The results of this study found that the 4P marketing buaran strategy at Es Teh Desa has a positive impact on sales. In addition, the sharia marketing strategy applied to Teh Desa in Pekalongan is in accordance with the principles of Islamic law, namely with pricing and promotion strategies that are in accordance with Islamic law by always being guided by the rules, limits in doing business, avoiding fraund and inaccurate doses. This is evidenced that the Teh Desa business hass implemented sharia marketing practices which consist of divinity (rubbaniyah), ethical (akhlaqiyah). realistic (waqi'iyah) and humanities (al-insaniyah) and all of which are the foundation of the marketing strategy carried out by the owner of the Teh Desa outlet in Pekalonga.
ANALISIS IMPLEMENTASI SERTIFIKASI PRODUK HALAL BAGI PARA PELAKU UMKM (Studi Kasus Pelaku UMKM Di Kraton Lor) Adimas Adinugroho; M. Sulthoni; Hendri Hermawan Adinugraha
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 1 (2024): Mei
Publisher : Syamilah Publishing

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Abstract

The implementation of halal certification also has a significant impact on the competitiveness of MSMEs in domestic and international markets. By having halal certification, MSMEs can expand access to markets that prioritize halal products, increase consumer confidence, and create added value for their products. However, challenges such as certification costs, process complexity, and difficulties in understanding certification requirements still need to be overcome. This study highlights the importance of appropriate support from the government, non-governmental organizations and financial institutions in helping MSMEs overcome the challenges of implementing halal product certification. Training, education, and technical assistance are also needed to improve understanding and compliance with halal certification procedures. In this way, MSMEs can exploit the full potential of halal certification to increase their competitiveness in an increasingly halal-conscious market. The type of research that researchers use is a descriptive and interpretive approach to explore the phenomenon being studied thoroughly. The descriptive qualitative analysis technique is an analysis of data in the form of oral or written information that does not have the nature of numbers.
The Influence of Money Demand on the Rupiah Exchange Rate Ahead of Eid: Pengaruh Permintaan Uang terhadap Nilai Tukar Mata Uang Rupiah Menjelang Lebaran Muammalatul Fauzah, Nur; Meliyana, Hildah; Rohaini, Jannatul
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 1 (2024): Mei
Publisher : Syamilah Publishing

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Abstract

Penelitian ini bertujuan untuk mengkaji apakah permintaan uang berpengaruh terhadap nilai tukar mata uang Rupiah, khususnya menjelang perayaan. Permintaan uang meningkat seiring mendekati perayaan Lebaran karena tradisi memberikan THR, belanja kebutuhan Lebaran, dan persiapan mudik. Lebaran sebagai salah satu perayaan dalam budaya dan tradisi masyarakat Indonesia khususnya umat Islam. Permintaan uang di masyarakat cenderung meningkat hal ini dipengaruhi oleh kegiatan ekonomi dan pola konsumsi secara keseluruhan.. Penelitian ini menggunakan metodologi kuantitatif. Jenis data yang digunakan adalah data sekunder yang bersumber dari BI rate yang menunjukkan data inflasi setiap bulan. Kemudian di Uji Normalitas dan Uji One Sample T-Test menggunakan SPSS dan pengambilan keputusannya berdasarkan nilai signifikansi. Hasil penelitian menunjukkan adanya korelasi positif yang signifikan antara permintaan uang dengan nilai tukar Rupiah meskipun R-squarednya relatif rendah. Berdasarkan hasil penelitian menunjukkan bahwa peningkatan permintaan uang menjelang hari raya Lebaran dapat mempengaruhi nilai tukar Rupiah terhadap mata uang asing. Hal ini disebabkan oleh tradisi Lebaran seperti memberikan THR, membelanjakan kebutuhan Lebaran, mempersiapkan mudik, memberikan gaji dan bonus, serta aktivitas perdagangan dan investasi yang terkait dengan hari raya.
The Contribution of Money Arisan in Improving Family Welfare According to the Islamic Economic Perspective: Case Study in West Kayunan District of Karanganyar Muhamad Subagiyo; Hendri Hermawan Adinugraha; Mualimin Mochammad Sahid
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 2 (2024): November
Publisher : Syamilah Publishing

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Abstract

An arisan is a group of people or groups of people who collect money regularly at any given time. The research aims to find out the contribution of money in increasing family welfare according to the Islamic economic perspective in West Kayunan. The methods used by the researchers in this study are qualitative methods and interpretative approaches to provide the results of data analysis on the contribution of money and practices of its implementation according to Islamic economic views thoroughly and accurately. Data in this study are primary data and secondary data. To analyze data, researchers use data reduction techniques, data presentation, and conclusion drawings. The results of this study show that arisan conducted by the community in West Kayunan hamlet can have an influence on improving family welfare. So this arisan activity is assessed to considerably contribute to increasing the family's well-being. This is because the funds obtained from such arisan activities can be used for consumer and productive purposes. The practice of the arisan system carried out by the community of the West Kayunan is permitted in Islam because in such arisan, there is no element of deception, fair, transparent, witnessed by the participants and no harm. 
Analysis of Factors Affecting Housewife Using Tongol’s Bank Services in Plumbon Village According to the Islamic Perspective Nayla Safarah; Hendri Hermawan Adinugraha; Sigun Ade Prayoga
Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah Vol 1 No 1 (2024): Mei
Publisher : Syamilah Publishing

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Abstract

Needs continue to rise in both quantity and price, resulting in a gap between income and expenditure, even when people's incomes tend to remain even lower. In this case, people usually seek loans from someone or an institution that provides loans, both formal and informal. An informal bank, like a tongols bank, is preferred by the public. The aim of this research is to find out the factors that influence housewife borrowing in the bank and how the Islamic perspective affects debt borrowers. The method used in this research uses a qualitative method with a case study approach. The results of the research show that the Islamic view of debt practices is acceptable and encouraged by Islam. It can be done in practice and implementation in accordance with the rules, procedures, and rules of play applied in Islam. The factors leading to the occurrence of debt transactions in Plumbon's capital are the presence of urgent needs and lifestyle factors that are beyond capacity. Besides, the borrowing process is easy and can be done at any time. Their level of understanding of fiqih muamalah is so minimal that the people in Plumbon Hamlet are engaged in debt transactions that are clearly prohibited in Islam, that is, they owe to a tongols bank that clearly takes the profits that were required in the beginning. Besides, not all the terms and conditions of the debt of the borrower are also implemented by the customer.

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