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Jalan G.Obos, Komplek Islamic Centre, Kelurahan Menteng, Kecamatan Jekan Raya, Kota Palangka Raya, Provinsi kalimantan Tengah
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INDONESIA
Jurnal Al-Qardh
Published by Institut Agama Islam Negeri Palangka Raya
ISSN : 23546034     EISSN : 25990187     DOI : 10.23971/jaq.v1i2.
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
Journal Alqardh published by Faculty of Islamic Economics and Business is aimed at being a medium for research results dissemination and scientific papers on the Indonesian economy and business among international academics, practitioners, regulators, and public. The Alqardh is issued two times annually, i.e., in July, and Desember. The Editor receives research manuscripts that not have been offered for publication elsewhere. Since its first issue published in 2016, the Journal Al-Qardh has more progress. Its commitment toward the development of education, especially in the realm of research, the aim Alqardh being a prestigious scholarly periodical in the world on the Indonesian economy and business
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol 9 No 1 (2024): AL-QARDH" : 6 Documents clear
Exploring Factors and Impacts of Online Lending on UMKM Expansion in North Sulawesi Haris, Chadijah
AL-QARDH Vol 9 No 1 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Abstract

This study examines Micro, Small, and Medium Enterprises' (UMKM) perceptions of online loans, employing a descriptive qualitative approach. The research draws upon theoretical frameworks surrounding perception and financial behavior to analyze how UMKM players perceive online loans for business development. Findings indicate that while UMKM players perceive online loans as additional capital facilitating business expansion, there exists a gap in their comprehension of associated risks, notably concerning high-interest rates and over-indebtedness. Consequently, the study emphasizes the critical role of financial education in mitigating these risks effectively. By elucidating the theoretical underpinnings guiding the analysis, this research offers valuable insights into UMKM perceptions of online loans and underscores the importance of educational interventions in enhancing their financial literacy and risk management capabilities. This study contributes to the existing literature by providing a nuanced understanding of UMKM attitudes towards online loans and advocating for comprehensive educational strategies to empower UMKM in navigating the complexities of financial decision-making.
Role Of The Elderly In Bamboo Handcraft Production In Households At Bumi Subur Village Katingan Kuala Sub-District Katingan Regency Lestari, Ulva Ayu; Safitri, Novi Angga; Jaki, Akhmad
AL-QARDH Vol 9 No 1 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Abstract

The research background is low in a family economy, so older people still have an important role in fulfilling their life needs, with a very low economy, they need help funding their daily lives. The objectives are to know the process of handcraft making by older people, the role of older people in bamboo handcraft marketing, and the older people's motivation in bamboo handcraft making in Bumi Subur Village. This research used field research with descriptive qualitative. Then, the subjects were the people who were active in bamboo handcraft production at Bumi Subur Village Katingan Kuala Sub-district Katingan Regency, older people, and their workplaces had permission. The sampling technique used purposive sampling. Data resources were obtained from interviews, observation and documentation. Data validation used triangulation technique, source triangulation and theory triangulation.The results showed that: the first process in handcraft making by older people was cutting the bamboo tree, bamboo stem can not be used directly, after that, rest it for 2-3 days. The measurement has been set to become an ingredient that is ready for plaited. the role of older people in bamboo handcraft marketing was to introduce the product directly to consumers and promote the product door to door, Pagatan market and Katingan market. the older people's motivation in making bamboo handcraft got additional income, so in elder time, they didn't just keep silence at home but were more productive with reason as a hobby and other.
Analysis Of The Implementation Of Tax Amnesty In Indonesia Wartoyo, Wartoyo; Usman, Usman
AL-QARDH Vol 9 No 1 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Abstract

The purpose of this study is to analyze the implementation of the tax amnesty policy in Indonesia by describing the indicators of its success on macroeconomic variables. This study uses a descriptive qualitative approach with the type of case study research method and data analysis technique using literature study. The results of the study show that the tax amnesty program based on Law Number 11 of 2016 has not succeeded in significantly increasing taxpayer compliance, and the realization of revenue from this program is still below the set target. However, the implementation of this program has a positive impact on Indonesia's economy, including increasing liquidity, improving the rupiah exchange rate, lowering interest rates, and stimulating increased investment. Thus, while tax amnesty has not been optimal in improving overall tax compliance, the program has made a significant positive contribution to several aspects of the national economy.
Factors that Influence People to Take Loans from Mobile Banks Arrizky, Bintang Juannita; Adinugraha, Hendri Hermawan
AL-QARDH Vol 9 No 1 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Abstract

Economics is one of the problems experienced by humans in their daily lives, especially in terms of meeting needs. Humans must fulfill all their complex needs to survive. Human needs are very diverse and tend to always change from time to time. This situation is influenced by the nature of humans themselves who tend to never feel satisfied with what they have obtained. This article aims to analyze the behavior of people who borrow from roving banks and the problems that occur due to the existence of these banks for the public. Among the middle and lower economic classes, roving banks are quite popular because they provide easy loan services and fast processing. This convenience makes people idolize mobile banks because they provide emergency money and are welcomed by the public. For this reason, this article contains a discussion of how the behavior of the public, especially for those who borrow money from roving banks, and what factors are behind mothers borrowing from roving banks. This research uses a descriptive qualitative method. This method was chosen because the author intends to describe and explain the factors that influence people to make loans to roving banks. Based on the results of the discussion, many people are ensnared by this roving bank. Many problems arise, ranging from the family economy getting strangled, the destruction of family relationships, to social relationships with neighbors becoming less good. This happens because many people borrow from more than one bank and use the names of other people who have never borrowed from the bank. So that many people are ultimately ensnared by the practice of digging holes to pay these debts
Moderation of Religiosity in Fashion Trends and Lifestyle on Muslimah Clothing Purchasing Decisions Matondang, Zulaika; Nasution, Hamni Fadlilah; Panggabean, Asrani
AL-QARDH Vol 9 No 1 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Abstract

The increasingly diverse fashion trends for Muslim women's clothing have apparently not been able to increase the decision to purchase Muslim women's clothing among students at the Faculty of Islamic Economics and Business, UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan because it does not suit their passion and lifestyle, even though many Muslim women's fashion now follows fashion but also following current trends. The purpose of this research is to determine the influence of fashion trends and lifestyle on purchasing decisions for Muslim women's clothing with religiosity as the moderating variable. This research is quantitative research with primary data sources, and the sample used was 66 female respondents from the sharia economics study program class of 2019. The data analysis technique used prerequisite tests and moderated regression analysis (MRA) tests. The results of this research show that there is a partial influence between the fashion trend variable on purchasing decisions, and lifestyle on purchasing decisions. With the moderation test, the regression equation model two states that religiosity does not moderate the influence of fashion trends on purchasing decisions. The lifestyle variable with the third model regression equation moderation test states that religiosity is unable to moderate the influence of lifestyle on purchasing decisions.
The Effect Of Open Unemployment On Criminality In Banjarmasin City 2018-2022: Using Eviews 12 Perspectives Of Shariah Economics Aisyah, Lisda; Nilasari, Erissa
AL-QARDH Vol 9 No 1 (2024): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Abstract

This research is motivated by the problem of poverty in Banjarmasin City which is caused by the imbalance between labor force growth and job creation. Increased destruction will have an impact on crime. This research aims to: 1) describe the efforts made to reduce crime in Banjarmasin. 2) illustrates that the increasing number of poverty and low income are one of the factors causing the increase in criminal cases in Banjarmasin. 3) describe the impact of poverty on crime in Banjarmasin. This type of research is quantitative descriptive research. The data used in this research is secondary data in the form of time series data obtained from the Central Statistics Agency. The analysis technique used is simple linear regression using the Eviews 12 program. The results of this research prove that poverty has a big impact on crime that occurs in the City of Banjarmasin, that is because the impact of crime only simultaneously has a significant influence on crime in the City of Banjarmasin, This can be seen from the results of the F Test where the Prob (F-Statistic) value = 0.103287 < 0.05 and F_statistics = 5.372431. The findings of this study indicate that unemployment does not have a direct effect on crime in Banjarmasin and is influenced by other factors. In Shariah Economics, it is important to implement economic justice and social assistance to prevent crime even though unemployment is high.

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