HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam, a journal, provides a forum for publishing the original research articles, review articles from contributors, and the novel technology news related to Business, Economics, and Management.
Research articles dealing with Islamic economics, Islamic banking, Islamic finance, etc. are particularly welcome. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries in Islamic economics, banking, and finance.
Articles
245 Documents
<![CDATA[KEBIJAKAN PEMERINTAH DALAM MENGATASI KELANGKAAN MINYAK GORENG PADA MASA PANDEMI COVID-19 DALAM PERSPEKTIF EKONOMI ISLAM ]]>
<![CDATA[Hidayat, Ahmad Agus]]>;
<![CDATA[Mustofa, Mustofa]]>;
<![CDATA[Arlina, Agustin Mila]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v10i1.14198
<![CDATA[In this study, the aim was to find out the policies implemented by the government in overcoming the scarcity of cooking oil during the Covid-19 pandemic in an Islamic economic review. This research resulted in a policy implemented by the government to restore cooking oil prices and ensure people's purchasing power which includes (1) regulating packaged cooking oil subsidies through (BPDPKS) (2) Setting the Highest Retail Price (HET) through Permendag no 6 of 2022 (3 ) Domestic Market Obligation (DMO) and Domestic Price Obligation (DPO) policies (4) Market intervention policies carried out by the government in overcoming the scarcity of cooking oil during the Covid-19 pandemic are following the principles of Maqashid Syariah because they aim to benefit and avoid harm. (5) Through the policies implemented by the government during the time of scarcity of cooking oil, corresponding to the phenomenon that occurred during the time of Abu Yusuf where he denied the theory of demand and supply, in which the price was not only affected by the aspect of demand but also depended on the power of bidding aspect.]]>
<![CDATA[STUDI LITERATUR ISLAMIC FINTECH ]]>
<![CDATA[Afrizal, Afrizal]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v10i1.10852
<![CDATA[This study aims to analyze the development of Islamic fintech and its role in Islamic finance from various literatures, especially journal articles of international repute and indexed by Scopus. This research is a type of qualitative-descriptive research with a literature study approach. The literature study was carried out by collecting journal articles that were in accordance with the research objectives using the Publish or Perish (PoP) application, then content analysis was carried out. Content analysis is an analytical method by trying to find out the content and intent of a text to produce an objective description. The results of the study show several findings, namely: first, the research topic is divided into three main topics, namely first, market analysis on what factors influence a customer to use or not use fintech, second, the impact of fintech on the economy, and third, fintech implementation. in various fields of the economy.]]>
<![CDATA[ANALISIS PERILAKU KONSUMEN DALAM KEPUTUSAN MENGGUNAKAN KOSMETIK HALAL DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERATING ]]>
<![CDATA[Humaira, Humaira]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v10i1.11210
<![CDATA[This study examines the factors of consumer behavior on decision making by Muslim women in the city of Medan on the use of wardah cosmetics. This study uses a quantitative descriptive method. When collecting the required data, the researcher will distribute questionnaires to the research samples. Related to this, the population of this study is all Muslim women in Medan City, and the research sample is Muslim women who are determined using the slovin formula. Where based on the calculations carried out with the formula, this study will use the responses of 100 Muslim women to a questionnaire that has been previously determined by the researcher. After getting responses from 100 samples, the researcher will recapitulate the data from the respondents. After that, the researcher will analyze the research data using the moderation regression method. The results showed that the variables of motivation, perception, and attitude influenced consumer decisions in using Wardah cosmetics. Religiosity as a moderating variable can only strengthen the influence of motivational variables on the decision to use Wardah cosmetics. This study proves that there is a need for information and education about halal and the benefits of a product, especially cosmetics so that Muslim women can determine which products are halal and suitable for consumption. It can also provide wider insight and knowledge regarding the variables that influence consumption behavior]]>
<![CDATA[PELUANG DAN TANTANGAN: PERANAN FINANCIAL TECHNOLOGY SYARIAH DALAM MEMAJUKAN UMKM DI KOTA MEDAN ]]>
<![CDATA[Edi, Sarwo]]>;
<![CDATA[Husna, Asmaul]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v10i1.15033
<![CDATA[Utilization of technology can provide many convenience facilities in every business activity with fast access. One of the technological developments that has become the dynamics of business development today is Financial Technology. This paper aims to describe the role of Fintech in the progress of MSMEs in Medan City along with an explanation of the opportunities and challenges faced. This research was conducted through qualitative descriptive studies and analysis, where data were obtained from various reference sources regarding the topics and issues discussed. Data collection techniques used a literature study approach through various research journals, national and international articles. This research explains how the opportunities and challenges of Fintech for the development of MSMEs will be faced in the future. The results of the study show that Fintech has considerable potential for the development of MSMEs in Indonesia. Fintech can help MSMEs in providing convenience and efficiency in terms of technology-based financial management including digitizing financial reports, payment technology and online-based loans.]]>
<![CDATA[FILOSOFI HIDUP MASYARAKAT KRUCIL : ANALISIS KETAHANAN EKONOMI PETERNAK SAPI PERAH TERHADAP DAMPAK VIRUS PMK (PENYAKIT MULUT DAN KUKU) BERDASARKAN KONSEP EKONOMI ISLAM ]]>
<![CDATA[Sabrina, Anadia]]>;
<![CDATA[Huda, Nurul]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v10i1.16463
<![CDATA[Foot and Mouth Disease (FMD) Food and Mount Disease is caused by a virus that attacks cloven-hoofed animals, one of which is cattle. This virus can cause livestock health to be disrupted, so that the sale value and productivity in producing milk decreases. This of course has a significant impact on the economy, especially for residents who rely on income from the sale of cow's milk. The purpose of this study was to identify the level of economic resilience of the Krucil village community as a benchmark for people experiencing the same problems. The research was conducted using a qualitative method by taking a case study approach to several informants from related agencies and local residents who are members of farmer groups. The results of the study show that the Krucil community was able to survive in a situation affected by PMK, this happened because of the potential, tenacity, cooperation and optimism of the residents. So as to create economic resilience based on love for the creator, as well as nature that needs to be preserved and looked after.]]>
<![CDATA[ANALISIS INTERAKSI DAN KONTRIBUSI SBIS JUALAH DENGAN PENYALURAN PEMBIAYAAN PERBANKAN SYARIAH ]]>
<![CDATA[Nasution, Anriza Witi]]>;
<![CDATA[Tambunan, Khairina]]>;
<![CDATA[Ismal, Rifki]]>;
<![CDATA[Batubara, Chuzaimah]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v10i1.16511
<![CDATA[In Indonesia, the development of Islamic banking has increased significantly from year to year. Controlling the money supply through financing can be used with SBIS selling contracts as one of the sharia monetary policy instruments. The purpose of this research is to see how far the interaction and contribution of SBIS selling contracts with Islamic banking financing. The analytical method used is VECM. The results show that the causality between these two variables is not significant and for the interaction response both show stability in both the short and long term. This research recommends that SBIS is not only in the form of a ju'alah contract but also the implementation of the contracts given by the MUI.]]>
<![CDATA[TINJAUAN MAQASID SYARI’AH TERHADAP ANGCIU YANG DIOLAH DALAM MAKANAN ]]>
<![CDATA[Azizah, Nur]]>;
<![CDATA[Fauza, Muflihatul]]>;
<![CDATA[Husna, Nurul]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 1 │ 2024 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v11i1.17436
<![CDATA[This study aims to provide an overview of the use of angciu used in processed food. The method used is qualitative through netnography tracing halal influencer accounts such as: @dianwidayanti, @aishamaharani, @anca.id. The source of data from this research is in the form of journals, online websites related to Angciu. The results that the author found that the use of angciu in food will affect the maqasid of sharia especially in terms of hifdz aql, which is the main center for humans. If angciu products are contaminated with something halal, it will cause halal food to become haram in consumption. Angciu is an ingredient that contains substances berifat khamr, in the sense that the alcohol contained in angciu itself as much as 17% and they cooks still use, it, because they think that this angciu can add a special flavor to the dish. just as the seller does not know about it, so is the buyer whose level of awareness of Islamic law is low against the prohibition of angciu.]]>
<![CDATA[ANALISIS RISIKO DAN PENGELOLAAN RISIKO PADA KONTRAK MUDHARABAH DAN MUSYARAKAH DALAM PERBANKAN SYARIAH ]]>
<![CDATA[Dayu, Wulan]]>;
<![CDATA[Anggara, Windu]]>;
<![CDATA[Sudiarti, Sri]]>;
<![CDATA[Marliyah, Marliyah]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 2 │ 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v2i10.16976
<![CDATA[Mudharabah and musyarakah contracts are the two main forms of sharia banking products and services used to support financing and investment in business according to sharia rules. This study aims to conduct an in-depth analysis of the risks associated with the implementation of mudharabah and musyarakah contracts in the Islamic banking business, as well as analyze effective approaches to managing these risks. The research method used is a qualitative approach with in-depth interviews and document analysis from leading Islamic banks. The results of the analysis show that mudharabah and musyarakah contracts have unique risks compared to conventional banking products. The main risks identified include financial risk, operational risk, legal and sharia risk, and reputation risk. However, there are some differences in the type of risk involved in these two contracts. Risk management on mudharabah and musyarakah contracts needs to be done carefully and proactively to ensure the sustainability of the sharia banking business. Some of his practices include implementing good governance, selecting the right business partners, portfolio diversification, and close monitoring of project implementation and the use of investment funds. The implications of the results of this research are expected to assist Islamic banks in improving operational sustainability, facing challenges, and achieving their business goals by minimizing the risks that may arise in the implementation of this product.]]>
<![CDATA[RENTABILITAS BANK UMUM SYARIAH DI INDONESIA: STUDI DENGAN METODE VECTOR AUTOREGRESSIVE ]]>
<![CDATA[Safarida, Nanda]]>;
<![CDATA[Wirdaniah, Wirdaniah]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 2 │ 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v2i10.18782
<![CDATA[This study aims to determine the effect of operating costs and operating income, capital adequacy ratio, non-performing financing and inflation on the profitability ratio of Islamic commercial banks for the 2011-2020 period. This research method was used using time series data with VAR analysis, as well as data collection sourced from www.bi.go.id and www.bps.go.id site data for the period 2011-2020 with a total of 10 years of observations from all syarah commercial banks. The results showed that the BOPO variable had a positive and significant influence on the profitability ratio with a probability value of 0.03 < 0.05 the CAR variable has a positive and significant effect on the profitability ratio with a probability value of 0.02 < 0.05 the NPF variable has a positive and significant effect on the profitability ratio with a probability value of 0.01 < 0.05 the inflation variable has a positive and insignificant effect on the profitability ratio with a probability value of 0.38 > 0.05.]]>
<![CDATA[PENGARUH AUDIT TENURE, UKURAN PERUSAHAAN, DAN UKURAN KAP TERHADAP AUDIT REPORT LAG DENGAN SPESIALISASI AUDITOR SEBAGAI VARIABEL MODERATING (STUDI EMPIRIS PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BEI (2015-2021) ]]>
<![CDATA[Anwar, Chairul -]]>;
<![CDATA[Nurlaila, Nurlaila]]>;
<![CDATA[Hasugian, Hotbin]]>
<![CDATA[ HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 1 │ 2024 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30829/hf.v11i1.19253
<![CDATA[The purpose of this research aimed to anlyzed the effect of Audit Tenure, Company Size, and KAP Size on Audit Report Lag with Auditor Specialization as Moderating Variable. This research used secondary data, that were from audited financial statements of manufacturing companies listed on the Indonesia Stock Exchange for the 2015-2021 period. The study population was 181 manufacturing companies listed on the Indonesia Stock Exchange for the 2015-2021 period. Sample selected by purposive sampling, amount of 99 companies with 5 years of observation were 495 datas. The analysis method used was Logistic Regression Analysis and Moderated Regression Analysis (MRA). Based on the results of this research showed that audit tenure and company size don't significantly influence audit report lag, KAP size significantly influence audit report lag.Auditor specialization doesn’t moderate the relationship of audit tenure and company size to audit report lag. However, auditor specialization does moderate the relationship of KAP size on audit report lag in manufacturing companies listed in Indonesia Stok Exhange in year of 2015-2021.]]>
