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Miftachul Ulum
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Rashid
Published by Jaanur Elbarik Indonesia
ISSN : -     EISSN : 30909252     DOI : https://doi.org/10.65065/rashid
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences
Rashid: Journal of Economic adalah jurnal penelitian yang ditinjau oleh rekan sejawat yang menerima manuskrip di bidang Ilmu Manajemen, Ekonomi, Makroekonomi Islam, Makroekonomi, Ekonomi Syariah, Keuangan Syariah, dan Manajemen Operasional dan Produksi.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 15 Documents
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Implementasi Prinsip Syariah dalam Pengelolaan Keuangan melalui Produk Simpanan Umat: Studi Kasus KSPPS BMT Dana Mentari Muhammadiyah Purwokerto Adibatunnisa Adibatunnisa; Zahra Ayu Agustin; Reifka Nur Amalia; Sulasih Sulasih
Rashid : Journal of Economic Vol. 1 No. 2 (2025): Rashid : Journal of Economic
Publisher : Jaanur Elbarik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65065/nx8nz449

Abstract

This study aims to analyze the implementation of sharia principles in managing the Simpanan Umat product at KSPPS BMT Dana Mentari Muhammadiyah Purwokerto and evaluate its contribution to institutional integrity, member trust, and community empowerment. Using a descriptive qualitative method, data were collected through semi-structured interviews, observations, and document studies involving management, staff, and members selected by purposive sampling. The data analysis followed the Miles and Huberman model consisting of data reduction, data display, and conclusion drawing. The findings reveal that KSPPS BMT Dana Mentari consistently applies sharia principles—trustworthiness (amanah), justice, balance, and public interest—in operational activities. These values are reflected in transparent contracts, ethical fund management, member-centered services, and educational efforts that strengthen sharia literacy and accountability. This strategic approach ensures that financial activities not only achieve economic goals but also uphold spiritual and social values in accordance with Islamic ethical standards.
Studi Literatur: Faktor-Faktor Motivasi Kerja dalam Upaya Meningkatkan Kinerja Karyawan Apritama Putra Gafur; Mashita Dayana; Reski Amalia Karim; Evanda Parebong; Chris Dayanti Br. Ginting
Rashid : Journal of Economic Vol. 1 No. 2 (2025): Rashid : Journal of Economic
Publisher : Jaanur Elbarik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65065/kjcdwd68

Abstract

This study aims to identify and examine the factors influencing work motivation and its impact on employee performance. The research adopts a qualitative approach through a literature review, analyzing various references such as books, scientific articles, and previous research findings. The study reveals that work motivation is influenced by internal factors (needs, goals, attitudes, abilities, and self-drive) and external factors (compensation, job security, social relationships, supervision, and organizational policies). Based on motivational theories proposed by Maslow, Herzberg, Vroom, Adams, and Skinner, motivation plays a central role in improving performance through the fulfillment of needs, fairness, recognition, and reinforcement of positive behavior. Overall, work motivation is not solely determined by financial aspects but also by intrinsic drives, career development opportunities, and a participative work culture. Therefore, organizations need to develop reward systems and work environments that effectively foster employee performance improvement
Konsep Akad Qard Alhasan dalam Pengembangan Pembiayaan Pedidikan di Bank Mini Syariah UIN Sunan Ampel Surabaya Najlatus Syarifah Roihana; Siti Alfia Nur Rohmayanti
Rashid : Journal of Economic Vol. 1 No. 2 (2025): Rashid : Journal of Economic
Publisher : Jaanur Elbarik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65065/p93xre73

Abstract

 The Qard-Al Hasan contract is a form of sharia-compliant financing that focuses on social aspects and benefits. In the development of educational funding at Bank Mini Syariah UIN Sunan Ampel Surabaya, this contract plays a crucial role as an alternative option that complies with sharia principles to meet the educational funding needs of underprivileged communities. This article aims to explain the meaning and application of the Qard-Al Hasan contract in the context of developing educationalfinancing. Through a literature review and conceptual analysis, it was found that this contract not only provides financial benefits such as cost efficiency but also increases public trust and loyalty to Islamic financial institutions. The main challenges faced include credit risk and a lack of public information about the benefits and how this contract works. With strategic implementation and appropriate education, the Qard-Al Hasan contract can be an effective tool in supporting the sustainability of sharia-compliant educational financing and strengthening the role of Islamic financial institutions in society.
Analisis Akad Ijarah Pada Sistem Kerja Platform Digital: Perspektif Fiqih Kontemporer Al Maghfuri, Rahmah Salsabila; Yazid, Muhammad
Rashid : Journal of Economic Vol. 1 No. 2 (2025): Rashid : Journal of Economic
Publisher : Jaanur Elbarik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65065/c42ht291

Abstract

This study aims to analyze the implementation of the ijarah contract in the working system of digital platforms from a contemporary Islamic jurisprudence perspective. The research method used is a qualitative method with a literature study approach that examines classical sources, contemporary fatwas, and modern research related to the digital economy. The results show that digital platforms such as Gojek still fulfill the main elements of the ijarah contract, namely clarity of benefits (manfa'ah), clarity of ujrah, and clarity of implementation time that are clearly displayed in the application. The click mechanism in the application is considered a valid form of digital ijab and qabul as long as it demonstrates the willingness of both parties. In addition, an automatic, algorithm-based tariff calculation system can increase transparency, although dynamic tariff changes have the potential to create elements of gharar if not clearly regulated. The division of commissions between the platform and the worker partner based on a certain percentage is also acceptable in contemporary Islamic jurisprudence as long as it is agreed upon from the start and does not harm either party
Analisis Perbandingan Realisasi Anggaran BPHTB Periode (2020-2024) Terhadap Peningkatan Pendapatan Asli Daerah Kota Medan Ananda, Iqbal; Rosalina, Melissa; Rahmansyah, Riki
Rashid : Journal of Economic Vol. 1 No. 2 (2025): Rashid : Journal of Economic
Publisher : Jaanur Elbarik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65065/yn6gfs94

Abstract

This study aims to examine the discrepancy between the targeted figures and the actual achievement of Land and Building Acquisition Tax (BPHTB) revenue in the Medan City area during the period 2020 to 2024. Quantitative methods include descriptive analysis, comparative techniques, and simple linear regression on secondary data from the local Regional Revenue Agency (BAPENDA). The results of the study indicate that the realization of BPHTB has a significant impact on the growth of PAD, with a peak achievement of 95.59% occurring in 2021 and a low point of 62.84% in 2023. Although the average value tends to increase, the data shows a high level of variation and extreme distribution. The results of statistical tests show a very close positive linear relationship between the realization of BPHTB and PAD (indicated by a correlation coefficient reaching 0.971), however, its statistical significance is limited due to the relatively small number of samples and quite sharp data fluctuations. Among the inhibiting factors identified are the still low level of understanding and concern of taxpayers, inadequate levels of compliance, and socialization and supervision from local governments that have not been running optimally

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