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INDONESIA
Jurnal At-Tanmiyah Ekonomi dan Bisnis Islam
ISSN : 25799789     EISSN : 25799789     DOI : https://doi.org/10.65778/atjebi.v4i2.56
Core Subject : Economy,
At-Tanmiyah: Jurnal Ekonomi dan Bisnis Islam berfokus pada permasalahan utama dalam pengembangan ilmu ekonomi dan bisnis Islam. Jurnal At-Tanmiyah: Jurnal Ekonomi dan Bisnis Islam menerima bentuk pemikiran/ide konseptual dan hasil kajian yang mencakup: Filantropi Islam (Zakat, Infaq, Shodaqoh, dan Wakaf) Manajemen Rantai Pasokan Halal Etika Bisnis dan Kewirausahaan Islam Perbankan dan Keuangan Islam Sumber Daya Manusia dalam Perspektif Islam Pemasaran Islam Topik lain yang berkaitan dengan ekonomi Islam
Articles 40 Documents
POTENSI TEKNOLOGI BLOCKCHAIN DALAM PENGELOLAAN WAKAF TANAH: STUDI KOMPARATIF DI INDONESIA, MALAYSIA, TURKI, UEA, DAN QATAR Yusnita; Mirza Astia
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2025): Juni. At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

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Abstract

This study aims to explore the potential implementation of blockchain technology in the management of land waqf through a comparative analysis of five countries: Indonesia, Malaysia, Turkey, the United Arab Emirates (UAE), and Qatar. Globally, waqf management is undergoing a transformation from conventional systems to more transparent and accountable digital frameworks. Blockchain technology offers a decentralized data solution that can significantly reduce corruption, data duplication, and enhance accountability within waqf management organizations. This research adopts a qualitative approach, utilizing a literature review of official documents, academic journals, and reports from relevant institutions. The results reveal that each country has adopted different strategies for managing land waqf with varying levels of technological readiness. Turkey and the UAE have successfully integrated blockchain technology into their waqf systems, while Malaysia and Qatar are in the developmental phase. Indonesia, on the other hand, is still in the early stages of digitizing waqf. The study recommends a comprehensive roadmap for digitalizing waqf management based on blockchain technology in Indonesia, supported by appropriate regulations, human resources, and multi-sector collaboration.
DAMPAK PINJAMAN RENTENIR TERHADAP PEREKONOMIAN KELUARGA KELURAHAN PULO BRAYAN KOTA MEDAN Arsad Halomoan Sipahutar; Mirza Astia; Rizky Zhafran
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2025): Juni. At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

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Abstract

This study aims to analyze the impact of loan shark loans on the family economy of Pulo Brayan Village, Environment I. This study uses a qualitative descriptive method, where researchers obtain data from distributing questionnaires, interviews and literature studies with sample determination using the Non Probability Sampling method with incidental sampling types and based on the roscoe formula in determining the number of respondents. Researchers distributed questionnaires to 20 respondents consisting of the Pulo Brayan Village community, Environment I who have other livelihoods. The results of the analysis concluded that the impact of loan shark loans had a negative impact on the family economy, this was because most respondents used the loan as a consumptive and lifestyle channel, and the respondents' uncertain income made it increasingly difficult for respondents to convey their needs and difficulties in paying loans to loan sharks
HAMBATAN MEMPEROLEH SERTIFIKASI HALAL PERSPEKTIF PELAKU UMKM DI DESA BANDAR KLIPPA Mirza Astia; Yusnita; Abygael Paulina Sijabat
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2025): Juni. At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

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Abstract

Halal certificate is not only valid proof that the product produced is safe and in accordance with the provisions of Islamic law, but also plays an important role in increasing the competitiveness of micro, small and medium enterprises (UMKM) in the domestic and global markets. This research generally aims to determine the obstacles to UMKM in Bandar Klippa Village in obtaining halal certification. The type of research used in this research is a qualitative method with collection through field research and literature research. The results obtained from this research are external obstacles, namely uneven socialization and education from the government, expensive processing costs and complicated and long administrative procedures. The internal obstacles faced by Bandar Klippa Village UMKM actors in obtaining halal certification are limited resources, lack of halal knowledge and awareness and the perception of UMKM actors that halal certification is not urgently needed.
PERAN REGULATOR DALAM MENDORONG IMPLEMENTASI STANDAR AKUNTANSI SYARIAH PADA INDUSTRI PERBANKAN SYARIAH INDONESIA Raudhatun Nisa; Fitri Yani
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2025): Juni. At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

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This study aims to analyze the role of regulators in encouraging the implementation of Sharia accounting standards in the Islamic banking industry in Indonesia. The regulatory bodies involved include the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and the Sharia Supervisory Board (DPS). Using a qualitative descriptive approach with data collected from relevant books and academic journals, the results show that DSNMUI and DPS play an important role in developing Sharia accounting standards in Indonesia and strengthening the supervision of compliance with Sharia principles in the Islamic banking industry. The study recommends that DSNMUI and DPS continue to strengthen their roles and functions in facilitating the implementation of Sharia accounting standards in the Islamic banking industry
OPTIMALISASI KEPUASAN NASABAH MELALUI PENGGUNAAN MOBILE BANKING BYOND BY BSI: STUDI KASUS DI BANK SYARIAH INDONESIA KCP PADANG PANJANG Sarah; Muhammad Al Mighwar
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 3 No 1 (2024): Juni .At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

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In today's digital era, the transformation of banking services through mobile technology has become an important requirement in increasing customer convenience and satisfaction. The same is the case with this research which aims to analyze the optimization of customer satisfaction through the use of the Byond by BSI mobile banking application with a case study at BSI KCP Padang Panjang. The research method used is descriptive with a qualitative approach, where data is collected through literature studies, interviews with customers and customer service, and Customer Satisfaction Survey (CSS) results. The results showed that the Byond by BSI application provides convenience in transactions, more modern features, and increased security aspects, which overall have a positive impact on customer satisfaction. On the other hand, there are still obstacles such as system disruptions due to maintenance and difficulties for some customers who are less familiar with digital technology. The results of this study contribute to the development of more inclusive and user-friendly mobile banking services.
Peran Instrumen Keuangan Syariah Dalam Mendorong Stabilitas Ekonomi Nasional: instrumen keuangan syariah Gusnawati Nurbaba; Syahriyah Semaun
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2025): Desember.At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65778/atjebi.v4i2.56

Abstract

Islamic financial instruments play a vital role in maintaining national economic stability through principles of justice, partnership, and linkage to the real sector. This study employs a descriptive qualitative method using literature review to analyze the contribution of four key instruments: Islamic banking, Islamic capital markets and sukuk, productive zakat and waqf, and Islamic microfinance institutions. The results show that these instruments complement one another in strengthening the real sector, expanding financial inclusion, and reducing economic inequality. Their synergy creates a more resilient, equitable, and sustainable financial system, making it a key pillar of Indonesia’s economic stability. Keywords: Islamic finance, economic stability, sukuk, productive waqf, Islamic microfinance institutions.
Penerapan Prinsip Maqāṣid Al-Sharī'ah Dalam Rancang Bangun Sistem Ekonomi Islam Di Indonesia : Rancang Bangun Ekonomi Islam Gusnawati Nurbaba; Damirah
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2025): Desember.At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

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Abstract

The integration of Maqāṣid al-Sharī‘ah principles into the design of the Islamic economic system is essential to achieve social justice and collective prosperity in Indonesia. The Islamic economy must not be limited to formal sharia compliance but should aim toward maqāṣid compliance, the realization of the five objectives of Sharia: the preservation of faith (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-‘aql), lineage (ḥifẓ al-nasl), and wealth (ḥifẓ al-māl). This study explores the integration between the conceptual framework of Islamic economics based on the principles of tawḥīd (monotheism), justice, prophethood, governance, and accountability in the hereafter and the practical application of maqāṣid in the national economic context. Using a descriptive qualitative method, this paper analyzes how maqāṣid serves as both a normative and operational instrument in formulating Islamic economic policies, ranging from microfinance, zakat and waqf systems, to the emerging Islamic digital economy. Findings show that a comprehensive application of maqāṣid can strengthen Indonesia’s Islamic economic architecture, promoting equity, sustainability, and human-centered development.Keywords: Maqāṣid al-Sharī‘ah, Islamic Economic Design, Welfare, Social Justice, Indonesia.
Pendapatan Nasional dalam Sistem Ekonomi Islam Antara Keadilan dan Kesejahteraan: Pendapatan Nasional Nur Aini; Syahriah Semaun
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2025): Desember.At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

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ABSTRACT National income is one of the main indicators used to assess a country’s economic condition. However, in the perspective of Islamic economics, national income is not only measured in terms of quantitative growth, but also in terms of justice and societal welfare (falah). This article aims to analyze the concept of national income within the Islamic economic system, emphasizing the integration between economic growth, fair distribution, and the achievement of both material and spiritual well-being. The research method used is qualitative-descriptive through literature review, document analysis, and examination of the thoughts of Islamic economists such as Chapra, Mannan, and Antonio. The results show that national income in Islamic economics must originate from lawful (halal) and productive activities, be distributed fairly through instruments such as zakat, infak, sadaqah, and waqf, and be directed toward improving the overall welfare of society. In conclusion, national income from the perspective of Islamic economics is not merely an indicator of economic growth but also a tool to realize social justice and sustainable prosperity. Keywords: national income, Islamic economics, justice, welfare, income distribution.
ZAKAT MEMBERSIHKAN, MENSEJAHTERAKAN DAN JANGAN MELUPAKANNYA Sri Maharani
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2025): Juni. At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

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Abstract

Zakat fitrah memiliki peran penting sebagai kewajiban yang harus ditunaikan setiap Muslim yang telah memenuhi syarat sebelum pelaksanaan sholat Idul Fitri. Ibadah ini bukan hanya, sebagai bentuk kepedulian sosial terhadap sesama, melainkan juga sebagai sarana pensucian diri setelah menjalani ibadah puasa di bulan Ramadhan. Hukum Zakat fitrah adalah wajib bagi setiap Muslim, baik laki-laki maupun perempuan, tua ataupun muda, bahkan bayi yang baru lahir sekalipun. Waktu pembayaran zakat fitrah dimulai sejak awal bulan Ramadhan dan paling lambat sebelum pelaksanaan shalat Idul Fitri. Kriteria mampu membayar zakat fitrah menurut jumhur ulama, yaitu ulama mazhab Maliki, Syafi’i, dan Hambali, adalah jika seorang muslim mempunyai kelebihan (ziyâdah/fâdhil) bahan makanan pokok pada malam Hari Raya untuk dirinya dan orang-orang yang menjadi tanggungannya. Zakat diberikan kepada delapan asnaf. Lupa membayar zakat fitrah artinya adalah lupa membayar hingga terlampauinya batas akhir zakat fitrah, yaitu shalat Idul Fitri, bukan tenggelamnya matahari pada hari Idul Fitri. Zakat fitrah itu tidak gugur dari orang yang lupa membayarnya dan dia tetap wajib mengqadha` zakat fitrah itu. Berdasarkan kaidah fikih, orang yang lupa membayar zakat fitrah tetap wajib membayar zakatnya walaupun sudah melewati batas akhir yang ditentukan. Orang yang lupa membayar zakat fitrah, tidak berdosa namun wajib mengqadha` zakatnya itu. Dengan kata lain, kewajiban zakat fitrah itu tidak gugur darinya dan tetap wajib dibayarkan walaupun sudah melewati batas waktu akhir yang ditentukan
Dinamika Teori Penawaran Dalam Menentukan Struktur Harga Dan Output Pasar ahmad azizul muttaqin; khoirun niswah; sri wigati
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2025): Desember.At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65778/atjebi.v4i2.61

Abstract

This study aims to comprehensively analyze and describe how the dynamics of supply theory influence the structure of market price and output level. The research method adopted is the descriptive-qualitative method, utilizing library research, which involves collecting secondary data from books, scientific journals, and economic reports. The results of this analysis indicate that supply dynamics occupy a central role in the formation of price and market output; therefore, understanding these dynamics can provide extremely valuable insights into how markets function. The key drivers are production costs, technology, government policies, and the resource base, which includes both natural resources and human resources. For producers, marginal cost is a very critical determinant in their supply strategy in an attempt to obtain maximum profit. However, different market structures exhibit different supply mechanisms. In perfect competition, supply is elastic and sensitive to price, whereas in a monopoly, supply tends to be more rigid and controlled by the producer's profit strategy. This change in supply has a direct effect: increasing supply tends to lower the price and increase output, while decreasing supply tends to raise the price and reduce output. With this in mind, it is expected that a more in-depth analysis of market mechanisms can be carried out, which allows for making forecasts of the changes taking place within them.

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